vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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 checking accounts were hacked in XXXX. My bank ensured that all the checks that were cut before the hack took place were paid. My credit score dropped over XXXX points and my XXXXXXXX XXXX XXXX credit card in particular went down to a {$250.00} available credit balance. I run a business and use my XXXX 's club a lot and this is a huge inconvenience ( especially when I didn't do anything wrong ). My credit report does not show that a missed payment was made to any of my credit card but for my XXXX XXXX, but I have handled this with XXXX directly. I'm more concerned about how I get my credit card back to the available credit I had before my credit was compromised. The bank and XXXXXXXX XXXX XXXX told me to reach out to the credit bureaus which is what I think I am doing by contacting you. Thank you and I appreciate any help you can assist with regarding this matter. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
I had already disputed and resolved a {$370.00} debt from XXXX from several years ago. It appears it has been sold to another debt collector and is back on my credit report causing a XXXX point drop in my XXXX XXXX. I wasn't even notified of the matter until it hit my credit report. Below is the information from XXXX. I tried to dispute but XXXX denied my dispute and accepted it as a " new debt ''. 

Account name JEFFERSON CAPITAL SYSTEMS Also known as XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$370.00} XXXX updated XX/XX/XXXX Recent payment Monthly payment Original balance {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates. 

XXXX XXXX - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates.

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 2024-08-22 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:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates. 

XXXX XXXX - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this XXXX late remark from the payment history. 15 USC 1681b ( a ) ( XXXX ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) in-writing instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have unauthorized inquires and I've proven they were not authorized ; I've reached out to all companies and would like this handled on Experian and XXXX it is ruining my life I did a police report and FTC as well. 

EXPERIAN : INQUIRES : 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

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I need to report some more places where my number and ID was used to open up some accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc
State: CA

Complaint narrative:
I need to report some more places where my number and ID was used to open up some accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: LA

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple requests, the inaccuracies in these accounts have not been addressed, and I have yet to see any resolution or corrective action. These errors are causing significant harm to my credit file, severely affecting my ability to live a normal life. 

The impact of these inaccuracies has placed me in a difficult situation, and I am left with no choice but to urgently seek your help in resolving this matter. I kindly request that a thorough investigation be conducted into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: DC

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-08-22 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-08-22 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: TX

Complaint narrative:
I am writing to dispute the inaccurate late payment remarks that continue to appear on my credit report. Despite previous disputes and the account being verified and updated, the errors remain unresolved. The presence of these inaccurate late payment remarks is negatively affecting my creditworthiness. 

This ongoing error needs to be corrected immediately to reflect the accurate payment history. As mandated by the Fair Credit Reporting Act, it is your responsibility to ensure that all information reported is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
Exeter Finance LLC repossessed the vehicle on XX/XX/XXXX while I was parked at the XXXX headquarters on XXXX XXXX towed the vehicle to XXXX Michigan it was two to three weeks later when I visited the facility to redeem my personal items from the vehicle the creditor was aware that I had been injured in a motor vehicle accident not at fault on XX/XX/XXXX and was unable to work at the salon to earn the extra money needed to maintain the {$680.00} monthly car note payments and the auto insurance, premium, though I reached out to the creditor to inform them That the vehicle was not running right after the accident and I wanted to turn the car in the representative dissuaded me and told me it would be abandonment so I discontinued the monthly payments to avoid the risk of a unforeseen accident occurring due to the wheel popping off. I dont agree how they failed to consider the injuries sustained though I am thankful for the payment extension provided the end of the year in XXXX the accident caused financial hardship and it being that the balance placed on all three credit reports after repossession of {$16000.00} poses a even more harmful, adverse impact to me. I would like consideration for my health and welll being I had every intention to keep the car and to Either trade the car in for a lower interest rate or lower payment but I was told the appraisal for the vehicle was negative equity, more than {$10000.00} I absolutely loved the vehicle and regretful that it was hit by a truck which resulted in repairs not adequate to Drive the vehicle any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
Following 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 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 XXXX  years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX. Inquiry date : XX/XX/2023.

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 2024-08-22 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: MI

Complaint narrative:
XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Reports Dear TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, and XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. TransUnion is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-08-22 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: TX

Complaint narrative:
I am writing to dispute the inaccurate late payment remarks that continue to appear on my credit report. Despite previous disputes and the account being verified and updated, the errors remain unresolved. The presence of these inaccurate late payment remarks is negatively affecting my creditworthiness. 

This ongoing error needs to be corrected immediately to reflect the accurate payment history. As mandated by the Fair Credit Reporting Act, it is your responsibility to ensure that all information reported is accurate.

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 2024-08-22 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: TX

Complaint narrative:
I am writing to dispute the inaccurate late payment remarks that continue to appear on my credit report. Despite previous disputes and the account being verified and updated, the errors remain unresolved. The presence of these inaccurate late payment remarks is negatively affecting my creditworthiness. 

This ongoing error needs to be corrected immediately to reflect the accurate payment history. As mandated by the Fair Credit Reporting Act, it is your responsibility to ensure that all information reported is accurate.

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