vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
Ive had a on going issue with GM financial in regards to my account being set up on automatic payment. I was told it was done and it never happened. Then they said they tried calling me to inform me of a late payment. This did not happen. Its very frustrating as they have place all blame on me stating Im completely at fault for the account not being set up. Its unfortunately as Im not computer savvy and they made it out like I dont pay my bills. Ive become very stressed over this. As you can see my credit has been impeccable over the last XXXX years. 

I hope you can help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Mistake on other complaint due to autofill. As stated previously I have tried to request validation of credit from debt collector however they were not able to provide that for me. I have also requested that they stop contacting me due to this as I was not aware that I have any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Request for Documentation Regarding Late Payment Reporting for Account [ Account Name/Number ] XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX , I hope this letter finds you well. I am writing to formally request documentation regarding a late payment reported on my credit report for the account referenced above. I believe there may be an error in this reporting, and I seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific legal procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the
consumer at least 21 days before the due date of the payment. This notice should include an attached form as prescribed by 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure my rights have been respected and the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing.

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions.

If you are unable to provide this documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law.

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will have no choice but to pursue further action to ensure my credit report is accurate and my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
Request for Documentation Regarding Late Payment Reporting for Account [ Account Name/Number XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request documentation regarding a late payment reported on my credit report for the account referenced above. I believe there may be an error in this reporting, and I seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific legal procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the due date of the payment. This notice should include an attached form as prescribed by 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment.

To ensure my rights have been respected and the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing. 

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions. 

If you are unable to provide this documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law. 

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will have no choice but to pursue further action to ensure my credit report is accurate and my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-10-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to continue my dispute regarding the incorrect reporting of late payments on my account during the COVID-19 pandemic. In response to my initial dispute CFPB previous complaint number XXXX, Wells Fargo stated that they would not remove the late payments because the relief offered was the suspension of interest charges during that period. However, this response is inconsistent with the protections provided under the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), which clearly specifies that creditors are obligated to report accounts as " current '' if the consumer requested forbearance and the account was in good standing prior to such a request.

Violation of the CARES Act : The CARES Act, specifically under section 4021, mandates that if a creditor offers forbearance or any relief plan to a consumer affected by the pandemic, and the account was current prior to the request, the creditor must continue to report the account as " current '' during the forbearance period. This means that while I was under the forbearance agreement, late payments should not have been reported on my credit history. 

Late payments in : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

As we can see I only had late payments within the first 3 months of the XXXX beginning and before i always paid on time, and even after those 3 months i always was diligent with my payments. 

Since my account was current before the pandemic and I requested forbearance due to loss of employment related to the pandemic, your decision to report the payments as late constitutes a direct violation of the CARES Act. Merely stating that the relief provided was the waiver of interest charges is insufficient to comply with the CARES Act, as the law clearly stipulates that my account status should have remained " current '' during the relief period.

Reference to Section 4021 of the CARES Act : Credit Status Protection : The CARES Act modifies the Fair Credit Reporting Act ( FCRA ) to protect consumers who were in good standing with their accounts prior to the pandemic. If a consumer requests forbearance and is current, the creditor is obligated to report the account as current during the forbearance period.

Late Payment Reporting : The fact that late payments were reported during the months when I was supposed to be protected under the CARES Act, and you accepted my forbearance request, constitutes a clear violation of Section 4021 of the CARES Act, which governs credit reporting during the pandemic.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/year> # XXXX XXXX  {$120.00} sent to wrong person. 
I was told to ask them fornit back directly. I couldn't being that I had only one option if communication which was the refund Button. Please keep inund that I contactedbsuppoetbwithin XXXX secs. The cashapp user known as XXXX XXXX XXXXeclined to return my money. My email is XXXX and my cashtag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : 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 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 2024-10-31 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: NY

Complaint narrative:
This company still has inaccurate information on my credit file! This information needs to be deleted because it's a clear violation of my consumer rights. How did they conduct a proper investigation but still have multiple inaccurate accounts on my credit file! If you don't delete this I will speak to my local attorney general about deformation, and compensation for violating my rights or simply delete the inaccurate information I pointed out!

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 2024-10-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit.

Two requests at different times. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: SC

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: UT

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) iter reviewing my recent credit report, I have identified we following inquiries that I do not recognize or authorize Disputed Inquiry : 1. 
XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
Interest rate is incredibly high that the overall balance never changes after multiple months of charging me it remains the same

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your help regarding the false account reflected on my credit report. This has harmed my standing as a customer, and I am reaching out for your assistance. These accounts need to be removed because they are reported inaccurately and are negatively affecting me.

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 2024-10-31 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
AppleCard/GS Bank : XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In
generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
Consumer Name : ( XXXXXXXX XXXX XXXXXXXX ), Consumer Social Security Numer : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$530.00} XXXX. XXXX XXXX XXXX Original creditor : JXXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX. XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-31 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am filing a complaint against LVNV Funding for failing to validate a debt and for inaccuracies in reporting on my credit report. Despite my prior dispute, LVNV Funding has neither provided validation of the debt nor corrected the incorrect account open date. 

The account states it was opened in XX/XX/XXXX, which is inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), LVNV Funding has accessed and reported my credit information without proper validation. Additionally, as per the Privacy Act of 1974 and 15 U.S.C. 6802, I have a right to privacy and protection of my personal financial information, which LVNV Funding has disregarded. 

Due to these violations, I request that LVNV Funding validate the debt, correct the inaccuracies, or remove the entry from my report. I also request compensation for the stress and inconvenience caused by this noncompliance. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I looked at my credit report from credit wise a there is a Well Fargo Bank card that I never applied for nor do I have or ever had a credit car with their back. I have asked for them to do a personal investigation and audit where and why is this on my credit report. 
card name WF XXXX Cards account number XXXX, XXXX XXXX XXXX XXXX XXXX IA XXXX : XXXX Date opened XX/XX/year> credit spent XXXX credit limit XXXX I have this on my credit report but it will not allow me to upload it is stating that the file is to long. I beleive there is nothing wring with your website. I can email it to your office please contact me.

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 2024-10-31 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: WY

Complaint narrative:
On XX/XX/year> I sent dispute letters to XXXX XXXX and equifax regarding inaccurate and unknown things on my credit report, also I attached an ftc report # XXXX it's been over 60 days and I still have no response to these inaccurate/fraudulent accounts being reported.i informed them that Im a victim of identity theft and to remove the following accounts ( 1. ) XXXX XXXX XXXX XXXX balance of {$170.00} ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXX balance of {$63.00} ( # XXXX ) .XXXX XXXX XXXX XXXX balance of {$1400.00} ( XXXX. ) XXXXXXXX XXXX  account XXXX XXXX balance of {$26000.00} and XXXX XXXX account XXXX XXXX  balance of {$5300.00} its been over 60 days and they are stil reporting these aforementioned accounts.i am attaching the ftc report as well as the identity theft Affidavit.

Company response to consumer: Closed with explanation