vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
Request for Documentation Regarding Late Payment Reporting Account : XXXX XXXX  Account Number : XXXX Dear [ Creditor 's Name or " To Whom It May Concern '' ], I am writing to formally request documentation regarding a late payment that has been reported on my credit report for the above-referenced account. I believe there may be an error in this reporting and seek clarification in accordance with my rights under federal law. 

Under 15 USC 1666b, creditors are required to follow specific procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least XXXX days before the payment due date. The notice must include a form, as outlined in 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment. 

To ensure that my rights have been respected and that the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing. 

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions. 

If you are unable to provide the requested documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law. 

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will be forced to pursue further action to ensure my credit report is accurate and that my consumer rights are protected. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered {$3700.00} withdrawn from business savings account XX/XX/XXXX, not by me or anyone at the business. the bank claims a withdrawal slip was used a branch in IL, see attached. At the time I signed off an affidavit for signature fraud. As of today XX/XX/XXXX they have yet to provide provisional funds back in the form of a check or credit to new savings account opened the same day, XX/XX/XXXX. 
As of XX/XX/XXXX I received a Customer Statement to complete which I did at a local branch on XX/XX/XXXX. This document should have been present and completed at time of affidavit XX/XX/XXXX, they failed to provide or indicate any further documents. The time and effort this has taken is beyond what any individual or business should ever have to deal with for the mistake this institution has caused.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Nissan, failed to contact me and advise me that my account was past due. They were intentionally wanting my account to go over 30 days late. They should remove the 30 days late status, as they went against the fair credit reporting act. They were misleading and could not give me a valid reason, as to why I was not contacted in order to advise me that my account was past due, at which point, I would have payed it and would have never have gone over 30 days late. This was Nissan '' s fault, for choosing not to contact me in a timely manner, etc. I verified that they had my correct phone number and address, and when ask, why dud they not call me, once my account went past due, they advised that " they did not have to contact me '' I advised that I would like to speak to a XXXX and were lied to, as they stated that one would call me back within 24 hours and they never did. I payed this account almost perfect for the life of the loan, and due to a XXXX XXXX XXXXt providing incorrect information to me, about me being able to pay the remaining balance by still paying my normal amount of XXXX dollars a month until the balance was XXXX, etc. Apparently this information was incorrect, but even after this, if Nissan just did what they should have done, by contacting me, once my account was past due, I would have made a payment right away, and the account would never had gone over 30 days late. Nissan should contact their customers when their accounts go past due, and not purposely wait so that the customer 's credit rating is affected. I will be submitting a complaint per the FCRA, if this 30 day late is not updated on my credit report with all the applicable bureaus. This was an unfair and deceptive practice by Nissan finance, and I will take it further if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXXXXXX 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 2024-12-17 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My information was stolen and is being used and abused to open lines of credit. A fraudulent inquiry was placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
On XX/XX/2024, I contacted a Planet Home Lending representative to remove the escrow account on my loan. I was informed my account was eligible to be removed and that I needed to email a signed request, and that I would know within 5-10 days. I received a confirmation email and another email that it was in review. I called XXXX and was told I would know no later than Monday, XXXX. I called XXXX only to be told that the representative resubmitted my request and that it will be 30 days before I would know the details. The reason I have requested the escrow be removed is that the escrow analysis is projected incorrectly because I am entitled to a senior exemption, and I have appealed my taxes. I did this in a timely manner in order to avoid any complications with the XXXX payment, that automatically debit from my account by the mortgage company. These two above stated factors only make sense that I become responsible to pay my real estate taxes and insurance, once these adjustments are made. I am a senior citizen and have enough equity to qualify. There is no reason why I should pay and escrow shortage because the account needs a two-month buffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I recently examined my credit report and noticed multiple accounts I do not recognize or consent to. Please block and delete these unauthorized entries at once.

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 2024-12-17 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: VW Credit
State: CA

Complaint narrative:
I noticed, via the credit monitoring service, XXXX XXXX, that a total of XXXX newly instantiated hard inquiries ( screenshot of mobile application included ) appeared on my credit overview. This overview takes into account activity that occurs across the 3 bureaus. 

Within the detailed information section of each of these hard inquiry alerts, there exists a common date range of between XX/XX/XXXX and XX/XX/XXXX. I have not, in fact, authorized or voluntarily initiated any hard inquiries into my credit history during this time period. Among the institutions named as having made these inquiries are the following ; VW CREDIT, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX 

What struck me as curious was the XXXX XXXX comment as, in XX/XX/XXXX, I did in fact solicit a string of hard inquiries at a dealership in XXXX, FL. The name of the dealership in question is : XXXX XXXX XXXX XXXXXXXX. I did not end up following through with the purchase of a vehicle during this time, rejecting a proposed offer by salespersons at this establishment. 

I currently reside in XXXX, CA and have done so since late XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
XXXX XXXX If its showing a a charge off it should not show a balance. Also it shouldnt be reporting as a current charge off for XX/XX/XXXX as it was originally charged off XX/XX/XXXX as last payment. Please remove from my credit report as it is not being reported correctly.

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 2024-12-17 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: CA

Complaint narrative:
XXXX XXXX If its showing a a charge off it should not show a balance. Also it shouldnt be reporting as a current charge off for XX/XX/XXXX as it was originally charged off XX/XX/XXXX as last payment. Please remove from my credit report as it is not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX Opened on XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-17 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: CA

Complaint narrative:
I ask equifax to remove this company off my credit report I have no knowledge about this account! The address is wrong.. the account was fraudulent open. EQUIFAX NEEDS TO REMOVE THIS FROM MY CREDIT REPORT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate inquiries on my credit report that I believe are the result of a data breach. These inquiries are being reported without proper verification of my authorization, and my repeated attempts to address this matter have been ignored by the reporting entities. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no entity has the right to access or pull a consumers credit report without permissible purpose. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or unauthorized information and expect a timely and thorough re investigation. 

I have contacted the companies responsible for the credit inquiries and requested verification, including a wet signature or other supporting documentation proving that I authorized these inquiries. Despite my formal requests, I have received no evidence to substantiate these claims. This failure to provide verification violates the FCRA and raises serious concerns about compliance with federal laws. 

Furthermore, I am concerned that these inquiries may stem from a data breach, which has compromised my personal information and led to unauthorized activity on my credit report. This not only damages my credit standing but also exposes me to potential identity theft. 

I am requesting that the CFPB intervene to ensure the credit reporting agencies and the entities responsible for the inquiries comply with the FCRA and remove all unauthorized or unverified inquiries from my credit report immediately. 

For your reference, I have attached documentation, including my formal dispute letters to support my complaint. 
Inquiries that need supporting documentation are : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX  XXXX Thank you for your attention to this serious matter. I look forward to your swift action and resolution. Please let me know if additional information or documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal Credit is attempting to collect on an account and balance that do not belong to me. Please remove this account from my name, records, and all credit reports.

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 2024-12-17 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: DISCOVER BANK
State: TN

Complaint narrative:
I received a new credit report from XXXX on XX/XX/year> and it containns somwone else 's information on Confirmation number XXXX : It has reason code 7, 43, 8, and 85. Thuis information is not mine and has not been removed by XXXX. I do not have delinquent accounts or derogatory accounts ; i dont lack sufficient credit on bankcard or revolving accounts ; I dont have too few loans with recent delinquencies and I domnt have too many inquiries on my credit report. I attempted to give the police report number to Discover and had to argue to have them take the police report number for identity theft. the identity theft police report is XXXX they keep taking my XXXX XXXX XXXX XXXX  XXXX Ga XXXX off of my account.I believe they are continuing to mix me up with XXXX XXXX from Florida XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Before I complained about, they still cant sell and buy anything in the coin base account, they want us to wait long time, I connect to them, talking to them, stills cant solve problems, so many people like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are hard inquiries on my credit report that I did not authorize. This information breaches 15 USC 1681c-2, and I request their removal to prevent further harm to my 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 non-monetary relief
Consumer complaint received 2024-12-17 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt 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