vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 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: IL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX  Employer - XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Public Records that are being challenged XXXX  - XXXX Listed below are XXXX Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M Squared Financial LLC
State: MO

Complaint narrative:
Twice during the process of getting to the closing table, I signed disclosures for the loan for a house. The first time they extended the closing date and asked me to get more information from my financial and did second and third credit checks on my credit, they found derogatory marks on one of my credit report sites. Then the week of my first closing date, they told me I had to pay off or get a letter stating I didnt owe it. These items had been payed off 2 years ago but had not been removed from my credit. I had already been preapproved for this house months before. The closing date was reset for the end of XXXX at which time I signed another loan disclosure only to be denied and contract was canceled the day of our final walk through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MD

Complaint narrative:
Subject : Request to Remove Late Payments From Credit Report | I am writing to request assistance in removing late payments reported on my credit report. I was reviewing my credit report and found some errors relating to my payment history on some of my accounts. And I know that by law Credit reporting agencies have the responsibility to report accurate information IN WHICH THEY ARE NOT. Attached file are proofs shown on my XXXX! 
Date of late payment : XX/XX/year> and XX/XX/year> and XX/XX/year> are reported as inaccurate through my accounts and should be removed because it is prohibiting my future requirements. 
I have already contacted the creditor and the credit reporting agency to dispute these late payments but the issue has not been resolved. I believe these late payments are either inaccurately reported or should be reconsidered due to the extenuating circumstances.

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 2024-06-28 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: TX

Complaint narrative:
15 U.S.C. 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as the information that resulted from an alleged identity theft, not later than 4 business days Ater the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EXPERIAN.

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 2024-06-28 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: FL

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ; 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2024-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have not applied for credit with Capital one in 2023. That's a hard inquiry that I haven't done. 
I have never lived in XXXX Texas. 
This needs to get fixed asap. I don't know who did this but it wasn't me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
Under FCRA 605B, you are obligated to remove any incorrect accounts from my credit report. Please verify the documents, as some listed accounts contain inaccuracies in the reporting, amounts, and dates.

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 2024-06-28 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: FL

Complaint narrative:
This account was charged off on XX/XX/year>. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : 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 non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
This account was charged off on XX/XX/2024. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
Issue is with Huntington National Bank not forwarding my overpayment funds within 10 day service level. 

1. my account was paid off in full and closed first week in XXXX. 
2. XXXX XXXX sent check {$13000.00} end of XX/XX/XXXX. Huntington received on XXXX XXXX  and cashed on XXXX XXXX 4. I called Huntington on XX/XX/XXXX & XXXX verified above & would investigate. 
5. XX/XX/XXXX, supervisor stated XXXX would get back to me. Supervisor did confirm the standard service level for refund of overpayment is 10 business days! 
6. I sent XXXX email after XXXX on XX/XX/XXXX, since no update. 
7. Finally on XX/XX/XXXX, received email from XXXX stating still working on refund. Also working on GAP refund with dealership. 
Replied with a thank you. 
8. XX/XX/XXXX requested update but no response as of this email. 
9. Accident happened on XX/XX/XXXX, and XXXX took till XX/XX/XXXX to approve to pay off loan. 
10. I am paying 22 % interest on credit card for expenses from accident. Interest on {$13000.00} is adding up. I am not getting reimbursed for that. Also I am retired on fixed income. 
11. I would like for the {$13000.00} monies be released immediately and I wait for GAP to complete processing. ( XXXX XXXX was CC so they may help expedite any GAP processing on their end- thanks ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: NC

Complaint narrative:
Experian is reporting inaccurate information, I specifically requested accounts associated with identity theft be blocked and removed, Experian response was 1. The request to block information was based on a material misrepresentation.

2. I have agreed in writing that the information was blocked in error.

3. I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of the blocked transactions. I requested how this was determined specifically, 1. A detailed explanation of how it was determined that my request to block information was based on a material misrepresentation. 
2. Evidence of the written agreement you mentioned, where I purportedly agreed that the information was blocked in error.

3. Specific documentation and evidence that led to the conclusion that I knowingly obtained or should have known I obtained possession of goods, services, or money as a result of the blocked transactions. Please provide this information in compliance with the FCRA, which mandates that consumers are entitled to know the basis for decisions affecting their credit reports. Additionally, I request copies of all documentation, communications, and evidence that were used to determine these results. 

Furthermore an account with XXXX XXXX is also reporting inaccurate information and Experian has verified it as accurate. I've spoken with XXXX XXXX and they have stated they have not provided this inaccurate information to Experian. Therefore Experian is violating my consumer rights and multiple consumer protection laws.

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 2024-06-28 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: NY

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-28 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: MD

Complaint narrative:
I submitted wrong info for XXXX XXXX XXXX Im submitting correct infoI have attached a statement showing I have reached and disputed this months ago and they didnt do anythingLegally they are not properly verifying the incorrect and inaccurate info on my 3 credit reporting agenciesThey never got me the info I requested.So they could properly verify the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
As per FCRA 605B, you are required to eliminate any incorrect accounts from my credit report. Could you examine the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.

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 2024-06-28 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: MN

Complaint narrative:
I RECENTLY DISCOVERED AN ACCOUNT ON MY CONSUMER REPORT THAT DOES NOT BELONGS TOME, I REQUESTED A XXXX FORM THAT SHOWS MY BARE SIGNATURE AND IT WAS NOT PROVIDED TOME. I AM ASKING THAT THIS ITEM BE DELETED FROM MY CONSUMER REPORT AS IT IS A DIRECTVIOLATION OF MY CONSUMER RIGHTS AND THE FCRA VIOLATED WHICH STATES COMPLETE ANDACCURACY AND SHOW WITHOUT A DOUBT THAT THE ALLEGE DEBT BELONGS TO ME, BECAUSE SAIDINFO HASN'T BEEN PROVIDED AND MY RIGHTS AS A CONSUMER WAS VIOLATED UNDER THE 15 US1681B I DEMAND REMOVAL ASAP OR I WILL BE FILING A LAWSUIT TO PURSUE FUTHER ACTIONS. THEACCOUNT IS XXXX XXXX XXXXXXXX PLEASE REMOVE ASAP

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 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Capital One advertises that payments made will be fully processed and credit will be reflected on the account the payment was made within 3 business days. I made a payment of {$220.00} on XX/XX/year>. My credit will not be reflected until XX/XX/XXXX almost 8 days after my initial payment! They are purposely misleading because they dont iterate that in their agreement with consumers. I spoke with supervisor XXXX on XX/XX/year> at XXXX regarding my complaint that the credit will not reflected on my account in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: TX

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 non-monetary relief
Consumer complaint received 2024-06-28 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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