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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681-B : permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of the account listed IMMEDIATELY : XXXX XXXX XXXX. I demand the deletion of these unauthorized inquiries IMMEDIATELY : XXXX XXXX, XXXX XXXX XXXX XXXX VIA DEALER, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I demand the deletion of the following incorrect information : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: KS

Complaint narrative:
In accordance to the fair credit reporting act, this creditor has violated my rights. 15 USC 1681 section 602 States that I have the right to privacy.

15 U.S. Code 1681 Section 604A Section 2 states that a consumer reporting agency ( CRA ) can not provide an account without a consumer 's written instructions.

15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 — Account status incorrect
Company: EQUIFAX, 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 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 — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing regarding Ally Financials mishandling of a repossession of my XXXX XXXX  XXXX, and associated violations under New York State law, the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and other applicable federal statutes. Ally Financial has failed to adhere to legally required procedures in conducting the repossession, auction sale, and subsequent reporting to credit bureaus, and I have suffered significant damages as a result. 

Background On or about XX/XX/XXXX, I financed the purchase of a XXXX XXXX XXXX through Ally Financial. Subsequently, on or about XX/XX/XXXX, the vehicle was repossessed by Ally Financial. However, Ally Financial has engaged in a series of actions and omissions that have violated both state and federal requirements. 

Violations and Basis of Complaint Failure to Provide Timely Notice of Repossession and Sale Under New York State law and the Uniform Commercial Code ( U.C.C. ), creditors are required to provide notice to the debtor within a reasonable timeframe after repossession. I did not receive a prompt or proper notice from Ally Financial concerning the repossession, nor did I receive timely notification of the sale date and location of the auction where the repossessed vehicle was sold. 

Failure to Provide Post-Sale Notice Ally Financial failed to issue a post-sale notice indicating the final amount owed, as required under New York State law and the U.C.C. This omission denied me the opportunity to address any remaining balance, preventing the ability to resolve or mitigate potential deficiencies or other financial consequences. And lead to inaccurate information being reported to the credit bureaus.

Inaccurate Credit Reporting and Failure to Correct Following the repossession and sale of the vehicle, Ally Financial reported incorrect debt amounts to credit bureaus. My client has attempted to correct these inaccuracies on at least six separate occasions,
with documented correspondence sent to Ally Financial, yet Ally Financial has failed to amend the erroneous information with accurate information. These actions constitute violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which mandates accurate credit reporting and requires creditors to correct inaccuracies promptly when brought to their attention. 

Thank you for your attention to this matter. Please contact me at your earliest convenience if you require further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> by mistake I had zelle money to a wrong person ( XXXX XXXX XXXX ) using my XXXX XXXX XXXX app. 
XXXX wrong recipient has returned the money to her bank wells fargo to return it to my XXXX XXXX XXXX account. 
For some reason wells fargo is holding that ( {$450.00} ) money since XX/XX/year>.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Original complaint closed however company did not provide information requested Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws. Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA.

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 — Account information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
As credit report analysis date XXXX it was showing Capital One Credit card XXXX with balance of {$1300.00}, I called ( XXXX ) Capital One to confirm, but they found not records of this account, I want demand Capital One Credit Card to remove this negative credit inmmediatelly ftom my credit report.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the fraudulent accounts and inquiries you have reported on my credit file. I have never conducted any business with your company, nor with XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I did not authorize any of these companies to access or report on my credit. This is a clear breach of my privacy and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Here are the key facts : XXXX Fraudulent Account : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. After contacting XXXX XXXX they confirmed the fraud and closed the account, as verified by XXXX XXXX XXXX However, despite this, Credence has inaccurately reported this account on my credit report. 

XXXX XXXX Fraudulent Account and Inquiry : I have never had any business with XXXX XXXX, yet a fraudulent account and inquiry have appeared on my credit report in their name. This is unauthorized and must be removed immediately. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their inquiries on my credit report are fraudulent. I did not authorize these inquiries, and they violate my rights under the FCRA. 

These actions constitute violations of : FCRA ( 15 U.S. Code 1681s-2 ) XXXX and the above-mentioned companies are reporting inaccurate and unauthorized information to consumer reporting agencies. 
FDCPA ( 15 U.S. Code 1692e ) False representation of a debt, as I have no legitimate relationship with these companies. 
FCRA ( 15 U.S. Code 1681b ) These companies had no permissible purpose to access or report my information. 
I demand the immediate removal of : The fraudulent XXXX account and any associated negative information reported by XXXX. 
The fraudulent XXXX XXXX account and inquiry. 
The unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
I expect written confirmation that all of this information has been removed from my credit report within 10 business days. If this matter is not resolved promptly, I will proceed with legal action for violations of the FCRA and FDCPA, and I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Better Business Bureau ( BBB ).

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the fraudulent accounts and inquiries you have reported on my credit file. I have never conducted any business with your company, nor with XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I did not authorize any of these companies to access or report on my credit. This is a clear breach of my privacy and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Here are the key facts : XXXX Fraudulent Account : I was the victim of identity theft, where a fraudulent XXXX account was opened in my name. After contacting XXXX , they confirmed the fraud and closed the account, as verified by XXXX XXXX XXXX However, despite this, XXXX has inaccurately reported this account on my credit report. 

XXXX XXXX Fraudulent Account and Inquiry : I have never had any business with XXXX XXXX, yet a fraudulent account and inquiry have appeared on my credit report in their name. This is unauthorized and must be removed immediately. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and their inquiries on my credit report are fraudulent. I did not authorize these inquiries, and they violate my rights under the FCRA. 

These actions constitute violations of : FCRA ( 15 U.S. Code 1681s-2 ) XXXX and the above-mentioned companies are reporting inaccurate and unauthorized information to consumer reporting agencies. 
FDCPA ( 15 U.S. Code 1692e ) False representation of a debt, as I have no legitimate relationship with these companies. 
FCRA ( 15 U.S. Code 1681b ) These companies had no permissible purpose to access or report my information. 
I demand the immediate removal of : The fraudulent XXXX account and any associated negative information reported by XXXX. 
The fraudulent XXXX XXXX account and inquiry. 
The unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
I expect written confirmation that all of this information has been removed from my credit report within 10 business days. If this matter is not resolved promptly, I will proceed with legal action for violations of the FCRA and FDCPA, and I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Better Business Bureau ( BBB ).

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

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 status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have tried many times to get this violation of my right to an accurate credit file corrected. As seen in the attachment Capital One continues to report two charge offs as open on my credit report. These charge offs happened years ago yet show as if they happened last month. XXXX as well as XXXX continue to support this violation of my rights. I held these accounts for years in good standing until I was forced to retire. Even then I paid on time for XXXX more years until my saving ran out and I could no longer pay. The irony is my credit has recovered somewhat because I pay on time. I could have used Capital One again but cant and wont because of the vindictive nature of the company.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried many times to get this violation of my right to an accurate credit file corrected. As seen in the attachment XXXX XXXX continues to report XXXX charge offs as open on my credit report. These charge offs happened years ago yet show as if they happened last month. XXXX as well as Experian continue to support this violation of my rights. I held these accounts for years in good standing until I was forced to retire. Even then I paid on time for XXXX more years until my saving ran out and I could no longer pay. The irony is my credit has recovered somewhat because I pay on time. I could have used XXXX XXXX again but cant and wont because of the vindictive nature of the company.

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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX [ Date ] Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX XXXX  XXXX ( XXXX XXXX  XXXX ). Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), only a verification was provided, without sufficient proof that this account belongs to me. As I am a XXXX, it is crucial that I receive physical evidence linking this account to me to ensure accuracy. 

Below are the details of the account in question : Account Information : XXXX  XXXX XXXX Account Number : XXXX ( XXXX ), XXXX ( Experian ) Credit Bureaus : XXXX, Experian, XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$1000.00} Credit Limit : {$700.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Comments : Charged off as bad debt Canceled by credit grantor Account closed due to inactivity Unpaid balance reported as a loss by the credit grantor Please provide the following validation : A copy of the original signed agreement or contract. 
Any supporting documentation linking me to this account beyond the listed details. 
If the creditor or reporting agency can not provide this documentation, I request immediate removal of this account from my credit report. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Please respond promptly with either the requested validation or confirmation of the account 's removal from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report has billing errors showing late payments that aren't consistent with my payment history. Kindly correct these and update my account.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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