vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I HAD A PARTERN WHO STOLE MY IDENTITY I WENT TO THE POLICE AND THIS IS A UNDER INVESTIGATION CASE WITH NAME AND EVERYTHING PROVIDED OF THE PERSON WHO DID THIS TO ME. I WILL ATTACH POLICE REPORT AND IDENTITY THEFT FTC REPORT TO REMOVE THIS FROM MY CREDIT PLEASE. THESE ARE THE ACCOUNTS CAPITAL ONE AUTO FINAN XXXX Repossessions {$38000.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$1100.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$580.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Other Account {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-29 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account needing accurate reporting. I have two late payments on an account that I was paid on time. The consumer report agency needs to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ), I am now requesting you investigate this account and update this payment to pay on time immediately. Thank you for your understanding and prompt action.

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 2024-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Harley Davidson Financial Services Inc
State: IL

Complaint narrative:
Harley Davidson Financial. Been paying 8 months on time and they haven't report the loan and payment history to credit report. Called them they say the been reporting it to the credit bureau so it your fault it's not showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my repeated attempts to resolve the issue of fraudulent inquiries on my consumer report, I have not achieved a satisfactory outcome. These inquiries are not related to me, and I am not responsible for them. Their presence has caused me significant XXXX  and financial XXXX. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not addressed appropriately. The inaccuracies on my consumer report have severely impacted my ability to purchase my dream home and support my family. For your reference, I have attached a copy of my previous letter to the Federal Trade Commission ( FTC ), which outlines this issue and requests a resolution.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I made a purchase through XXXX XXXX for XXXX XXXX reservations. I cancelled reservations w/ the hotel XX/XX/XXXX for travel dates XX/XX/XXXX. The hotel had a XXXX hr cancellation rule. I had XXXX reservations XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX that relates to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The hotel employee XXXX said I was getting refunded and needed to wait " XXXX business days '' .Then I called back after that time period and XXXX said they XXXX not refund the credit card because it would not accept pesos & the hotel XXXX, XXXX, wanted my private banking info.I called to resolve this on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX multiple times with the merchant and XXXX I cancelled according to my consumer obligations.XXXX  should not offer their service to merchants who cant fulfill their financial obligations & abide by their own rules and called my bank and the were willing to help me do a wire transfer with the hotel on XX/XX/XXXX because I felt pressure to do business outside of XXXX and directly with the hotel to get refunded. I called XXXX on XX/XX/XXXX to give him my bank info, he said they " already sent it to the states and that it went to XXXX bank, who would then pay the XXXX XXXX  ''. This should have been the same bank the original payment method was associated XXXX XXXX XXXX XXXX XXXX as they are in partnership with XXXX  But it did not. There were XXXX wire transfers to XXXX separate banks NOT associated with XXXX, the wire transfer went to XXXX XXXX  XXXX. I have NOT got my money back. XXXX confirms there is NO refund by the merchant. As the original method of purchase was with a XXXX credit card in my name, ending in XXXX XXXX and XXXX XXXXXXXX I am declaring fraud on the part of the XXXX that XXXX has affiliated themselves with. I have consumer protections wXXXX  the use of a credit card a VISA XXXX XXXXXXXX and VISA XXXX  XXXX that was used to make the purchase of the reservations and am seeking a full refund based upon services not received/rendered. I have in good faith tried to resolve the issue with the merchant and the lender. I have consumer protection rights and have fulfilled my obligation as a consumer. I also tried to call XXXX XXXX  in XXXX, XXXX  but they say they only provide the funds and can not help. XXXX says that if I do not pay the remaining {$900.00} in the load that my credit will be negatively affected. I am worried I will never get my money back, will have to pay for a service I never received, and will also have my credit negatively affected.

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 2024-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against TransUnion regarding inaccurate reporting of one of my accounts information.This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ), which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

I have recently discovered that TransUnion has included inaccurate information on my credit report, which appears to be linked to identity theft. This misuse of my personal information is concerning, as it undermines my financial credibility and affects my ability to secure credit. Identity theft occurs when someone unlawfully uses another person 's personal information, such as their name and Social Security number, without authorization. 

Additionally, I request that the account associated with XXXX XXXX XXXX be removed from my credit report, as it is a violation of the FCRA to report information that is not accurate. I have supporting documents that substantiate my claim and demonstrate that this account is not a charge-off. It's best contact XXXX XXXX XXXX about this account. Wanted to point this out as well Transunion continues to send me by mail stall tactic letters. 

I kindly ask that you investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please inform me of the outcome of your investigation and any steps taken to resolve this issue.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Dear Credence Resource Management, I am writing to dispute yet AGAIN the fraudulent account you have reported on my credit file. XXXX XXXX is the supervisor and has took full responsibility of reporting this inaccuracy and should be punished and unable to access anyone 's private information. I have never conducted any business with your company, nor have I signed any application or agreement authorizing you to access or report on my credit. I also sent them letters and emails stating this was not my debt and they were suppose to cease collection yet they have continued to wrongfully report it causing me heart ache and pain. I plan to sue for {$1000.00} per violation and seeking to have XXXX jailed for using my personal information to her own benefit of meeting This is a clear breach of my privacy, a violation of my consumer rights, and a misrepresentation of facts under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Here are the key facts : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. Upon discovering this, I contacted XXXX, who investigated the matter, confirmed the fraud, and closed the account. XXXX XXXX responded on behalf of XXXX , confirming that I was not responsible for the account. Despite this, Credence Resource Management contacted me weeks later, falsely claiming I owed a debt related to the fraudulent XXXX account. I informed Credence that the account was fraudulent, and they requested I send a fraud form to XXXX, which I did. XXXX has acknowledged the fraud and confirmed that I am not responsible.

Despite never doing business with your company and after XXXX acknowledgment of the fraud, Credence has now inaccurately and unlawfully reported this account on my credit report.

This is a clear violation of my rights under the following laws : FCRA ( 15 U.S. Code 1681s-2 ) Duty to provide accurate information to consumer reporting agencies. Credence has reported false information, failing to correct it after being notified of the fraud.

FDCPA ( 15 U.S. Code 1692e ) Prohibition against false or misleading representations. Credence is falsely representing a debt that I do not owe, and reporting it to credit bureaus without any legitimate basis.

FCRA ( 15 U.S. Code 1681b ) Permissible purposes of consumer reports. Credence has no permissible purpose to access or report my information, as I never entered into any business relationship or signed any contract with your company.

I expect written confirmation of your compliance with this request within 10 business days of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-10-29 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: TX

Complaint narrative:
This serves up to a follow up dispute regarding the inaccurate information on my report with the following accounts XXXX XXXX XXXX ACCOUNT # XXXX BALANCE {$31000.00}, XXXX XXXX ACCOUNT # XXXX BALANCE {$500.00}, XXXX ACCOUNT # XXXX BALANCE {$5900.00}. According to 15 U.S.C. 1681i ( 4 ), you must consider all relevant consumer information during the investigation process. My official FTC and CFPB complaints directly address the removal of these fraudulent accounts and must be taken into account for their permanent removal within the next 4 business days of this written notice. It has surpassed the 4 days and is now a violation of the FCRA concerning the time frame for identity theft information removal. I request for immediate action or I will pursue legal action.

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 2024-10-29 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: GA

Complaint narrative:
I am writing to dispute a charge off/collection account on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681 where you are bound to report accurate information. The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been cancelled and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off/collection/derogatory on my credit report is inaccurate and should be removed immediately. I request that XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted

Company response to consumer: Closed with non-monetary relief