vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
**Re : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/ and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Subject : Complaint Against Capital One Regarding Reporting Inaccuracies and Lack of Assistance During Financial Hardship Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting on my account # XXXX. Capital One has reported three consecutive months of late payments for XXXX, XXXX, and XX/XX/2023, despite my efforts to make partial payments due to unforeseen financial hardship that significantly affected my ability to meet the minimum payment requirements. 

During this challenging period, I communicated my financial hardship to Capital One in XXXX, XXXX, and XX/XX/2023 and attempted to manage my payments to the best of my ability, albeit below the stipulated minimum amounts. Regrettably, Capital One did not provide meaningful assistance or accommodations until three months later, offering a lowered payment and interest rate, which could have significantly alleviated my financial burden during the critical months of XXXX through XX/XX/2023. 

Enclosed with this letter are documents supporting my claim, including communication records with Capital One and financial statements demonstrating the hardship I faced during the disputed period. These documents serve as evidence of the challenges I encountered and my attempts to manage my obligations during this time. 

I believe Capital One 's delayed assistance and inaccurate reporting violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX Reform and Consumer Protection Act, which safeguard consumers from unfair treatment and inaccurate reporting by financial institutions during times of financial hardship. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I am seeking a fair resolution that includes a review of the inaccurately reported late payments and the lack of timely assistance provided by Capital One when I struggled to meet my financial obligations. 

I appreciate your prompt attention to this matter and kindly request updates regarding the investigation 's progress. I am willing to provide any further information or documentation necessary to facilitate a swift resolution. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
This Debt Was originally with XXXX XXXX XXXX who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
CREDIT ACCEPTANCE CORPOR is the XXXX {$28000.00} Original balance {$19000.00} that XXXX XXXX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information. 
( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
CREDIT ACCEPTANCE CORPOR is the accoun {$28000.00} Original balance {$19000.00} that XXXX EQUIFAX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information. 
( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
AmericanCollectionsEnterprise is reporting an erroneous account to the credit bureau. I do not owe any money to AmericanCollectionsEnterprise nor do I have a contract with them. Furthermore, I do not owe any medical bills. This account is ruining my otherwise good credit score. I never received validation of this alleged debt. The only way I knew about this account was from Credit monitoring app. They have no right to cause such damage. It's unfair and illegal to report invalid accounts. Its been long enough. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023, I tried to apply for XXXX XXXX and they denied me due to a freeze on my TransUnion account ( please see document ). I logged into my account on TransUnion and there was no freeze reported on TransUnion 's website. On XX/XX/2023, I tried to apply to XXXX credit but my application was denied due to XXXX citing that there was a credit freeze on my TransUnion account ( see image ). After investigating to clarify the issue, I chatted with an online customer service representative from TransUnion who assured me there was not a freeze on my account ( see images ). I then chatted with a XXXX customer service representative and they reiterated that my application was not processed to due the TransUnion freeze. TransUnion is being incredibly unhelpful and isn't investigating into the issue further or escalating the issue. I asked the customer service rep to escalate the issue for me and they said they wouldn't ( see images ). Because of this " freeze '' I'm not able to apply for credit or loans as long as this freeze is in place, and I have now been denied application to XXXX loaners because of this " freeze. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
HEADWAY CAPITAL IS INACCURATELY REPORTING A DEBT LOAN TO MY PERSONAL CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This debt collector continues to try and use area codes the same as mine to make it seem like a local caller. There are thousands of complaints online just in my rural Nevada area code of XXXX. If you block the number they just call the next day with a different number. I have no debt after losing my paid off home during XXXX lockdown. Unable to collect back rent from tenants made it difficult to pay taxes while waiting for unemployment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX Bank NA account number XXXX, XXXX XXXX XXXX account number : XXXX, XXXXXXXX XXXX XXXX  account number : XXXX, Total XXXX account number : XXXX, XXXX XXXXXXXX XXXX account number : XXXX, XXXX XXXX XXXX  account number : XXXX, XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX, account number : XXXX has violation my rights. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify account that aren't reporting correctly.

15 U.S.C 1681 section 602 A. states I have the to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I have Grain Technology. My account has NEVER been delinquent. I get an alert today saying that my account has been past due since XXXX. How is that possible when payments have been coming out? They said they have been trying to contact me, nothing. Not in the app, not in email, not on phone. My credit score has gone down XXXX points over an account that is technically NOT delinquent. Grain technology is terrible, DO NOT USE THEM. They do not communicate and they charge a XXXX times a month only to show the account is delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I request bad information be removed from My Transunion Account several times this Year ( XXXX  ) from about XXXX all the way time XXXX and it stopped me from getting a apartment and Buying a Home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX assumed servicing of our loan XX/XX/2023. At that time I had a perfect payment history. Despite making my payment to XXXX XXXX XXXX each of the subsequent months since, they have continued to report foreclosure started each month to Equifax. Each month I have had to contact them and file a dispute with equifax. This is the 3rd consecutive month they have falsely reported my home in foreclosure. Their negligence in accurately reporting our mortgage as an open, active, current, and never delinquent has caused my and my wifes credit scores to drop damaging our good credit. 
See attached files. XXXX XXXX states this is an issue they are having with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: ID

Complaint narrative:
Round Point Mortgage LLC assumed servicing of our loan XX/XX/2023. At that time I had a perfect payment history. Despite making my payment to Round Point LLC each of the subsequent months since, they have continued to report foreclosure started each month to XXXX. Each month I have had to contact them and file a dispute with XXXX. This is the 3rd consecutive month they have falsely reported my home in foreclosure. Their negligence in accurately reporting our mortgage as an open, active, current, and never delinquent has caused my and my wifes credit scores to drop damaging our good credit. 
See attached files. Round Point states this is an issue they are having with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 I have tried to contact them numerous of times and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I request bad information be removed from XXXX XXXX Account several times this Year ( XXXX ) from about XXXX all the way time XXXX and it stopped me from getting a apartment and Buying a Home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are a total of 15 Hard inquiries on my consumer report that is a result of identity theft. I did not give written permission, consent or instructions for the identified inquiries on my consumer report. I have reasonably cause that the information is inaccurate, and I am demanding that the reporting of this information be blocked and deleted. ( SEE ATTACHMENT )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation