vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-09 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I purchased XXXX items at one time and when I purchased the items, the vendor guaranteed me a certain price for shipping, which would be an additional cost so I agreed and I paid for the items and then he raised the shipping by several XXXX dollars now I could not purchase all of it at once I could pay for the XXXX bikes and one shipping and then I had to wait a month to pay the second shipping the first time I paid he sent the bike immediately and I had it within a week the second time I paid which Ive already waited an additional month for because he was price gouging me. My credit card company refused to stop the transaction and give me my money back and he refused to give me a refund so I was forced to pay the additional increased charges, despite his agreement in writing that it would be a certain amount or less so now Im waiting for my bike and it never comes so I call my credit card company again to dispute this transaction now because Ive only received one of the items they give me a provisional credit for the shipping but they tell me that the bike is a different kind of claim and Im not gon na receive a provisional credit for that and I said how hard is it to prove that he didnt ship the item very easy. He can show you the shipping information because he actually shipped it but he didnt ship the second one and now he cant because you gave the shipping money back so you wont give me the money back that you gave me the money back for the shipping so even if you wanted to cant ship it, so why cant I have the money or a provisional credit back for the bike itself if you gave it to me for the shipping which is part of the same claim so I can get another bike here now its been XXXX months and I cant replace the bike because they have my money ive called four times so far about this and all four times when I questioned them further about why would they give me the money back for the shipping so he cant ship me the bike but they wont give me the money back for the bike they hang up on me every single time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agency has failed to provide a method of verification that includes a clear and detailed explanation of how they continue to update inaccurate information as " verified. '' This lack of transparency raises concerns about the accuracy and legitimacy of their verification process.

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 2024-10-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX - # XXXX Account settled. According to IRS guidelines, a XXXX reports it as income. I want the settlement status removed. Equifax is also showing it as 120 days late. 
XXXX XXXX XXXX # XXXX. Disputed the incorrect balance, Equifax updated incorrect amount as correct. 
XXXX  XXXX # XXXX. Disputed amount owed, Equifax still updated incorrect amount. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to this account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to verify account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXX  # XXXX. Disputed account with Equifax. Requested original documents to verify account. Still reporting as correct. Requested validation of account. 
XXXX XXXX XXXXXXXX. The debt is reported as written off, which makes it taxable and needs to be removed from the credit report. Equifax is reporting it as updated info. 
XXXX XXXX XXXX XXXX # XXXX. Account settled, which makes it taxable income. Equifax reporting as updated and correct and as late payment. Want removed. 
XXXX XXXX XXXX XXXX. Disputed balance. XXXX paid off. Equifax reporting updated, {$610.00} balance.Requested original documents. Requesting validation of account. Payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reporting balance of {$820.00}. Requested original documents. Request validation of account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Account Paid in full. Request that it be removed from collection. 
Requesting validation of all inquiries. Documents to verify authorization of the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-09 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: CA

Complaint narrative:
Hello, I had to fill out an application to rent a room in XXXX. XXXX. 
I thought there would be a problem since I had all reporting agencies freeze my credit after that huge data breach at XXXX XXXX XXXX and after finding out that my social security number was found in the dark web. 
TransUnion is the bureau that -XXXX- uses to screen applicants. 
The application, with all the information listed in the credit check, was given without any problem. 
I was quite surprised, since I thought the credit had been frozen over a month ago. 
I then went of TransUnion site and I saw -- CREDIT FROZEN!!! 
It is obvious they are lying, and laying again after being punished for doing the same thing a few years back. 
Now, we the consumers who are captives of these unscrupulous and often negligent companies, have no recourse, obviously. They get punished and don't give a hoot because they keep doing the same as if nothing had happened. 
They play with our lives, put us in jeopardy with their inefficient and often shabby modus operandi, such as not taking obvious precautions to protect our precious information. 
All my information is in the dark web. Some is wrong, and I wonder where they found that too. Probably some error from the bureaus was picked up and now is there in perpetuity. 
Who is going to protect us? They sell our information and on top of that they request money for services that should be free. But, of course, when you entrust the " private market '' with personal information, they always want to make a buck and can care less if they destroy your life or not. We are just numbers!!! What is really sad is that I CAN NOT FIRE this less-than- good company, I am stuck with them and the only thing I can do is cross my fingers and hope that no one will decide to steal my identity which is readily available at TransUnion site despite the freeze. 
Well, thank you for listening, but unfortunately I don't think there is much you can do, I am just one of the millions who have no clue their credit says FROZEN but is not.

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 2024-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed incorrect information on my credit report that falls under 15 USC 16c-2. The details in question are inaccurate and negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-10-09 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: Kriya Capital, LLC
State: PA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CREDENCE RESOURCE XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the Pennsylvania Consolidated Statutes Title 18, Section 4120 ( Identity Theft ). 

It has unequivocally come to my attention that CREDENCE RESOURCE XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Pennsylvanias identity theft statute, Title 18, Section 4120, criminalizes the unauthorized use of personal identifying information, including its use in fraudulent credit reporting activities. This statute provides strong protections to consumers, and any unauthorized reporting to credit bureaus without explicit consent is in direct violation of my rights. 

I assert with unwavering certainty that I have not provided consent for CREDENCE RESOURCE XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDENCE RESOURCE XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias identity theft law. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Pennsylvanias identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDENCE RESOURCE XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: OH

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Under XXXX ( b ) ( XXXX ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of XXXX ( b ) ( XXXX ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of XXXX ( b ) ( XXXX ) ( i ), unless the debt collector is also a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
After my initial complaint, I heard from XXXX XXXX of Shellpoint ' Compliance Department. On XX/XX/year> I wrote to XXXX XXXX and addressed my concerns which were not addressed in her initial correspondence. 

This correspondence which was sent by Certified Mail was received by Shellpoint a few days after my letter of XX/XX/XXXX, but to date no response. 

Additionally I received an odd communication from Shellpoint saying I has asked for who the owner of my loan was and that was not information I requested. 

The confusion and constant errors really gives the appearance of malfeasance and does not make me comfortable with Shellpoint 's ability to service my loan properly.

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 2024-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners
State: GA

Complaint narrative:
I asked this debt collection agency to send me documents validating this alleged debt and I received a document that does not state that at all! There was nothing addressed and still no valid documentation supporting the alleged debt. They provided a document with an address that I never resided, the date of service alleged by the original biller is a date that no service was utilized and the contact number listed is invalid and has been invalid since 2019, which was before the alleged date and year of supposed service. Please provide an accurate bill reflecting the alleged date of service along with documentation as evidence that the original biller and/or creditor ( s ) did attempt to contact me before sending the alleged account to a debt collector. The document provided is NOT a validation of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and I have no clue why theyre there. When I checked my report, I saw unexpected discrepancies that werent there before. I tried refreshing my browser to make sure it wasnt a glitch, but nothing changed. The unauthorized inquiries remained. I urgently request that you carefully review the documents Ive sent, so this problem is fixed immediately and I dont have to deal with it anymore.

Company response to consumer: Closed with explanation