vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-18 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: NY

Complaint narrative:
To whom it may concern : I received a copy of my XXXX, Equifax, XXXX credit report, and noticed XXXX late payments that need to be deleted. It is as follows : Creditor Name : XXXXXXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below. 15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : 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 instruction of the consumer to whom it relates.

I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX, Equifax, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( 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. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern : I received a copy of my experian, XXXX, XXXX credit report, and noticed XXXX late payments that need to be deleted. It is as follows : Creditor Name : XXXXXXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX  Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : 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 instruction of the consumer to whom it relates. 


I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

Experian, XXXX, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( 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. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: WI

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 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: MD

Complaint narrative:
I filed a dispute regarding a bankruptcy having been reported on my credit reports from XXXX. The dispute was reported as valid, however, US Bankruptcy Court does not report, verify or validate to any credit bureaus in accordance with the US Bankruptcy Court ( XXXX, MD ). Therefore, this information was not validated by any credit bureau as confirmed and was not authorized in writing. In accordance with 15 USC 1681, the credit bureaus reporting of this information is in violation of my rights. I filed disputes in XXXX, XXXX, XXXX and the credit bureaus stated the information was validated and was a lie. Therefore, this information is an error and need to be removed from every credit bureau including XXXX, XXXX, XXXX, XXXX and Transunion.

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 2024-03-18 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: MD

Complaint narrative:
I filed a dispute regarding a bankruptcy having been reported on my credit reports from XXXX. The dispute was reported as valid, however, US Bankruptcy Court does not report, verify or validate to any credit bureaus in accordance with the US Bankruptcy Court ( XXXX, MD ). Therefore, this information was not validated by any credit bureau as confirmed and was not authorized in writing. In accordance with 15 USC 1681, the credit bureaus reporting of this information is in violation of my rights. I filed disputes in XXXX, XXXX, XXXX and the credit bureaus stated the information was validated and was a lie. Therefore, this information is an error and need to be removed from every credit bureau including XXXX, XXXX, Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I purchased a used XXXX XXXXXXXX XXXX for XXXX dollars I put XXXX dollars down and credit acceptance became my loan servicer for the remainder amount. Ive had the car since XXXX and the amount owed is still almost XXXX dollars. I missed a few payment but all in all I pay the amount due. It was supposed to be a 72 month finance and I feel like the amount owed is never going down. I am struggling financially now and I dont understand why I still owe the same balance I started with. 

Thank 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 monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/2024 I submitted a dispute to Capital One for a charge I had made on my credit card. The dispute was for a refund from a merchant who failed to provide zoo tickets that were to be included with a hotel package that I had booked and paid for with my Capital One credit card. The merchant agreed to issue the refund for failure to provide the zoo tickets and claimed they had issued it back to the credit card. I followed up numerous times with the merchant and they kept claiming it had been issued but it never was so I filed the dispute with Capital One. With my submission I included all of the documentation and correspondence to support my dispute including the direct correspondence with the merchant stating they would, and did, issue the refund. Despite that, on XX/XX/2024 Capital One found in favor of the merchant with the reason 'The merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition. ' That is obviously false because I did not receive the zoo tickets that were included with the hotel package that I booked. The documentation the merchant provided to Capital One was merely a copy of the original hotel receipt. They didn't address or provide any documentation that would support a denial of my dispute and claim for the refund they had promised in writing. Capital One grossly mishandled my dispute by not addressing the core facts and claims that I included with my dispute submission and documentation. As a result, I as the consumer have been harmed and they may have a systemic issue in their disputes process that may harm other consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
So over the past months i've been trying to an accurate mortgage loan from the original company XXXXXXXX XXXX and the debt collector M & T Bank .. On XX/XX/year> XXXX stated they did a wire transferred for {$350000.00} to the closing attorney office to cover the loan .. Now M & T Bank who purchased the debt as stated by XXXX XXXX stated it was $ XXXX that was transferred on XX/XX/year> .. Not only did M & T Bank ILLEGAL purchased the debt but their loan total is about $ XXXX more than the original mortgage company as stated in the attachment..

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 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
I have an outstanding balance of {$390.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that couldn't be completed due to a malfunctioning machine. Despite spending four hours troubleshooting, the XXXX  remained non-functional. I've made several attempts to dispute this charge with the hospital, but they haven't returned my calls or provided a resolution. Eventually, the debt was forwarded to a State collection agency, with whom I worked to resolve the issue. However, I recently received a letter from Controlled Credit Corporation regarding the same debt, which was supposedly resolved months ago. Unfortunately, I no longer have the specific dates or contact information as I discarded them after the initial resolution. I strongly believe this debt is invalid because no services were actually provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MO

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 XXXXeven 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 2024-03-18 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: MO

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation