vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: AZ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-25 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: TX

Complaint narrative:
In XXXX, I discovered several inaccuracies on my credit reports provided by XXXX and TransUnion, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. 

Initial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my XXXX credit report and submitted a dispute. XXXX had previously confirmed these entries were reported in error. 
I sent further communications to TransUnion on XX/XX/year>, emphasizing the urgency of correcting similar errors on my TransUnion credit report. 
Copies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. 
XXXX 's Response : XXXX acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications. 
Lack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either XXXX or TransUnion. 
Repeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely. 
Requested Resolution : I seek the CFPBs intervention to ensure that XXXX and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. 
I request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX and the credit bureaus stating that the corrections have been made.

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 2024-10-25 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: TX

Complaint narrative:
In XXXX, I discovered several inaccuracies on my credit reports provided by Experian and XXXX, specifically concerning late payment entries inaccurately reported by XXXX. Despite multiple disputes filed with both credit reporting agencies and direct correspondence with XXXX, the issues have not been rectified. 

Initial Discovery and Actions Taken : On XX/XX/year>, I noticed erroneous late payment entries on my Experian credit report and submitted a dispute. XXXX had previously confirmed these entries were reported in error. 
I sent further communications to XXXX on XX/XX/year>, emphasizing the urgency of correcting similar errors on my XXXX credit report. 
Copies of my identification, a complete payment history from XXXX, and utility bills were provided as part of the dispute documentation. 
XXXX 's Response : XXXX acknowledged the errors in reporting late payments but has not provided adequate documentation to the credit bureaus to correct these errors, as confirmed by direct communications.

Lack of Resolution : Despite providing all necessary documents and following up, as of today, there has been no adjustment or removal of the inaccurate late payment entries by either Experian or XXXX. 
Repeated disputes and the provided evidence have been seemingly ignored, leaving the incorrect data on my credit reports, continuing to impact my credit score adversely.

Requested Resolution : I seek the CFPBs intervention to ensure that XXXX and the concerned credit bureaus adhere to the Fair Credit Reporting Act ( FCRA ) by investigating and rectifying the inaccuracies reported in my credit files promptly. 
I request the removal of all inaccurate late payment entries from my credit reports and a written confirmation from XXXX and the credit bureaus stating that the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am a victim of unfair debt collection practices. The company ABSOLUTE RESOLUTIONS CORPORATION is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: VW Credit
State: FL

Complaint narrative:
My daughter had been making the payments since XX/XX/year> and we also lived together. She has XXXX ( XXXX ) children as well. I didn't see her car on XX/XX/XXXX and asked where she parked her car on the street. This is when she and I discovered her vehicle had been towed. Sometimes, our HOA tows vehicle for not parking in the proper areas ; however, this was not the case. It this time, she said VW may have taken my car. Naturally, I flipped and was really upset. I told her that she should have come to me to help with the payments. However, the father of her children also stopped child support payments at the same time, to further incumber her ability to pay. I never received a phone call, email or letter in the mail from VW Credit. My daughter was 5 months behind per VW Credit when I made contact with them. 

This was an avoidable repossession and my rights as a owner of the vehicle were violated and not given the opportunity to assist my daughter with the car payments. If they needed me on the car loan, they should have contacted me before repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible. SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a solar loan from Dividend Financial, a division of Fifth Third Bank. On XX/XX/XXXX, I contacted Dividend Financial to make my Incentive Investment Payment of {$20000.00} to maintain my monthly payment of XXXX. However, I was charged {$22000.00} to keep my payment at the current amount. That was an additional {$2100.00} charge. Below is what my loan document stated. 

Amount of Payments ( assuming Full IIP Payment is made ) Pre-Incentive Monthly Payments {$420.00} beginning XX/XX/XXXX Incentive Investment Payment {$20000.00} paid on or before XX/XX/XXXX Post-Incentive Monthly Payments {$420.00} As part of your signed loan agreement, you are encouraged to make the Incentive Investment payment {$20000.00} by XX/XX/XXXX in order to keep your monthly payments low. This amount is based on the federal Residential Renewable Energy Tax Credit ( RRETC )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have 2 credit cards with Discover. One since XXXX and one since XXXX. I received an email on XX/XX/XXXX stating they wanted they wanted me to sign a consent to let them get my IRS return for this last year. I called the company and they put me through some " fraud prevention '' department. He basically said you do this or we close your account. Again, I was so confused why they are asking me for all this information to " prove my identity '' when I've never been late or missed a payment and I'm not over my credit limit.

Knowing how much fraud and scams are out there - I sent this to my CPA. He said in all his years of doing tax returns he has NEVER heard of a credit card company wanting something like this. That it is complete overreach and reeks of a scam. He advised me to not do anything. So I didn't. This week I received a letter saying they have now closed both accounts. because I didn't do what they wanted. I called again. I talked to an agent who was less than friendly and basically said they can do this if I don't give them what they want. Doesn't matter if I make payments or not. I told her if I do send my tax return I will redact everything BUT my name, address etc. that tells them I am who I say I am. She said it doesn't work that way- they want EVERYTHING. I am NOT going to do this! It is complete over reach and they don't give you any other options for proving who you are. I asked once again if there is any other way to show who I am ... .nope- they only want my tax return. And now, since the " window is closed '' to sign the consent- they have closed my two accounts. This is absolutely unfair and will cause a detriment to my credit history which I have worked so hard to keep in a good status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
XXXXXXXX XXXX call to the business- Representative made an attempt to transfer my call twice to two different managers and they both hung up when they thought the Representative completed the transfer. 
Sent two letters requesting information and the removal of the debt to XXXX, XXXX, XXXX, and Exeter. 

Request for Investigation, Removal of Erroneous Charge-Off, and Compensation from Exeter Finance The charge-off has been classified as a profit and loss write-off by Exeter Finance, which raises concern as it implies that the debt has been reported as a loss on the creditors books. According to the Fair Credit Reporting Act ( FCRA ) and Generally Accepted Accounting Principles ( GAAP ), creditors are required to accurately classify and report debts, which includes distinguishing between debt forgiveness and actual charge-offs for profit and loss purposes. However, this account appears to be incorrectly filed as a profit and loss event, which I believe constitutes an inaccurate reflection of my financial history. 



Notice of Right to Dispute Not Provided : Additionally, I did not receive notice of my right to dispute this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g. This notice, mandated by law, ensures consumers are aware of their rights to verify and dispute debt claims. The failure to provide this notice has denied me the opportunity to address potential inaccuracies with Exeter Finance promptly, further complicating this situation. 



Legal Background and Request for Compensation : Under Section 1692k of the FDCPA, a consumer may be entitled to damages resulting from a violation of the Act, including a failure to provide the required notice of the right to dispute. Furthermore, the FCRA ( 15 U.S.C. 1681n ) allows for statutory damages if a violation is proven to have been willful, such as the inaccurate reporting of my debt and Exeters misclassification.

I believe I am entitled to compensation due to the adverse impact of Exeter Finances actions on my credit score, financial standing, and peace of mind. In light of these circumstances, I respectfully request an investigation into Exeter Finances practices regarding this account, along with monetary compensation as outlined under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I have disputed the inaccuracies on my Mohela account. Half of my account says good standing half indicates negative. I have tried to call them several times. I am placed on hold for hours, when I finally talk with someone, I get transferred or disconnected. I have disputed and talked to an employee at XXXX who sees the inaccuracies. All the entries from Mohela have the same account number and inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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 have disputed an account listed on my credit reports for an alledged collection/charge off. The information across all 3 of my credit reports is mismatched to included different dates of first delinquency, some listing late payments on alledged collection account of 120 days, some listing a past due balance as well as a term limit. The information on all 3 reports are inconsistent. I also requested the Meathod if of investigation and any documents used to verify. All 3 just answered with information verified. How can this be when all are reporting different information and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
Re : Request for Blocking and Deletion of Fraudulent Account and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
Re : Request for Blocking and Deletion of Fraudulent Account and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : 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

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 2024-10-25 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: GA

Complaint narrative:
On XX/XX/XXXX, I noticed a hard inquiry on my TransUnion credit report from XXXX  XXXX labeled as " Bank Credit Cards. '' I did not authorize this inquiry, nor have I applied for any credit with XXXX XXXX. 

On XX/XX/XXXX, I found another unauthorized hard inquiry from XXXX XXXX XXXX under " Auto Dealers, New '' on my credit report. Similar to the previous inquiry, I did not apply for any credit or services with this dealership. 

I have contacted TransUnion to dispute both inquiries, but the issue remains unresolved. I am concerned that these unauthorized inquiries may be related to identity theft or an error in the reporting process. I request that the CFPB investigate these matters and ensure that these inquiries are removed from my credit report.

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