vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my bank records, the payment was made before the due date. I have attached payment confirmation and bank statements for your reference. 
Clerical Error in Reporting : There seems to be an inconsistency in the payment date reported versus the actual payment date. My records show no outstanding payments during the reported period. 
Account Closed Before the Reported Late Payment : This account was closed and paid in full prior to the date the late payment was recorded. Documents showing the closure and final balance are attached. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX Equifax XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: LEXISNEXIS
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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received an invitation to apply for a credit card from Capital One that would provide a XXXX mile bonus upon achieving a minimum spend of {$4000.00} on this credit card within a 3 month period. I applied for and received approval for this card. It took several weeks for me to receive this card and I called Capital One multiple times to follow up. Upon charging at least $ XXXX to this card and waiting a few weeks, I checked my account to see if the miles had posted. Not seeing this, I decided to call customer service and was informed that the card they approved me for did not come with the promised XXXX miles. This is classic bait and switch. This practice is very deceiving. I would never have applied for an entry level credit card without the bonus. I have excellent credit and hold other premium cards from other reputable financial institutions. There was no reason for Capital One to provide me with a card that did not have the XXXX mile bonus which was the whole reason behind why I applied for this card in the first place. Capital One can fix this by switching me to the card I originally applied for and crediting my account with the XXXX bonus miles they promised in their offer. 

XXXX XXXX should be held accountable to the promises they make and not deceive consumers with bait and switch products. Capital One should also improve their customer service by providing timely responses to concerns such as this. The claim number filed with their customer service department is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I have tried to called TransUnion and XXXX to fix the late and wrong reporting payments on my credit report. 
I just pulled my credit report today XX/XX/XXXX. 
And on TransUnion since XX/XX/XXXX they have not update update my balance correclty. I have not had a balance on my accounts for XXXX XXXX Accounts for almost 6 months. I used them and pay off the total balance. 
Since I cancelled my subscription with them, I can even go and update or make a request to fix my credit and also elimnate my Inquiries that are due five of them for deletion. 
See credit report from XXXX. XXXX XXXX is XXXX, with a balance of only XXXX XXXX XXXX Accounts one for {$120.00} and XXXX XXXX with a balance of {$19.00}. I have not have a balance of {$940.00} Dollars and {$500.00} for almost five month. Even that I tried to log in to see my present scores. Please I am trying my best to keep my scores up to buy a house, but credit reporting agencies like TransUnion and XXXX not reporting correclty. 
See attached of previous statements.

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 2024-10-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I notified LVNV in 2017 that a debt that were billing me for was not mine. They ignored all correspondence. The debt was bought by XXXX XXXX and they have since won a judgement against me. My pay is currently being garnished. XXXX XXXX XXXX has sent notices to the court and my employer without my knowledge. I received the notice of garnishment from my employer. Then days later in the mail I got notice from XXXX. This gave me no time to file an exemption. I am owed the exemption since I earn less than {$750.00} a week. And am Head of Household. These are shady practices all to the benefit of LVNV and XXXX XXXX. All the paperwork and the garnishment of wages should be thrown out since I was never given a chance to file an exemption. They have my name spelled incorrectly and the dates are all over the place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I have tried to called XXXX and Equifax to fix the late and wrong reporting payments on my credit report. 
I just pulled my credit report today XX/XX/XXXX. 
And on XXXX since XX/XX/XXXX they have not update update my balance correclty. I have not had a balance on my accounts for XXXX XXXX Accounts for almost 6 months. I used them and pay off the total balance. 
Since I cancelled my subscription with them, I can even go and update or make a request to fix my credit and also elimnate my Inquiries that are due five of them for deletion. 
See credit report from XXXX. Credit score is XXXX, with a balance of only XXXX XXXX XXXX Accounts one for {$120.00} and XXXX XXXX with a balance of {$19.00}. I have not have a balance of {$940.00} Dollars and {$500.00} for almost five month. Even that I tried to log in to see my present scores. Please I am trying my best to keep my scores up to buy a house, but credit reporting agencies like XXXX and Equifax not reporting correclty. 
See attached of previous statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
My lease date ended XX/XX/year>. I have documented this with emails sent to me from XXXX XXXX XXXX, The lease I signed for a new apartment shows I vacated on the day of the lease ending. The move-out report shows this was not due to any damage. Yet, they continued to assert this debt belonged and refused to supply anything to validate it. 

The office at XXXX XXXX XXXX had a new staff and they had my lease dates incorrectly put in their file. I let them know when I was leaving ( the date of my accurate lease agreement ) and then they charged me for breaking the lease, even though the lease was complete. 


I sent this information to all three credit bureaus, and they ignored my indisputable evidence, and did not supply me with proof of their claim. 
They just stated the collection companies reaffirmed the debt. 

This false reporting is affecting my ability to apply for credit, and is financially burdening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XX/XX/XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XX/XX/XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XX/XX/XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XX/XX/XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: SC

Complaint narrative:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

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 2024-10-11 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: SC

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

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 2024-10-11 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: MO

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-11 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: NC

Complaint narrative:
This morning, I was shocked to discover incorrect accounts on my credit report, and I can't understand why. I regularly check my report, and everything was always fine until now, but today, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but unfortunately, the errors remained. Because of this, Im requesting a thorough review of the documents Ive submitted so that I never have to deal with this worry again.

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 2024-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: AR

Complaint narrative:
My private student loan, through Sallie Mae, is in default. I have been unable to make payments sufficiently, the last payment I was able to make is dated XX/XX/XXXX. I have paid as much as possible each month ; however, after the death of my parent I was off work for XXXX and became behind on finances. At this time, I have not been able to become current with this loan. I have explained this to the company and they agreed to lower payments. I explained I would pay what I could, when I could ; but, if the funds are not there, I can not make a payment. I am a parent of XXXX and to provide necessities for my children, while the economy is well beyond XXXX  class means/prices of everything are steadily rising, will always take precedence over any other expense. Regardless of this information, it is my belief that Sallie Mae has violated The Telephone Consumer Protection Act : " Called third parties ( family, friends, coworkers, or neighbors ) even though the collection agency knows your contact information ''. 
The company continues to make communication attempts to my mobile phone, no less than twice daily, through live representatives, robo-calls, voicemails, and text messaging. Over the past XXXX XXXX, the company has called XXXX of my spouse 's family members requesting to speak with me urgently " regarding a very time sensitive matter ''. The family members of my spouse they have reached out to are not listed on the loan nor as contacts of mine. 
This loan was initially accepted XX/XX/XXXX. Today, XX/XX/XXXX, my EX ( divorced her son in XXXX of XXXX ) -mother in law reached out to me, through social media, stating the company had called her inquiring to reach me and asking if I had " any idea '' why they would be contacting her regarding me. Again, this person is not listed to have any association with this loan nor as a contact of mine. 
At this time, I feel the company has violated my privacy through harassment of repeated phone calls, texts, and by contacting outside sources of which are not individuals listed anywhere within the loan contract of affiliation with me. It is my belief that Sallie Mae is actively degrading my character and has violated my privacy, through persistent harassment and attempts of embarrassment and shame, as an approach of attempting to force funds from me that are non-existent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: 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 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief