vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've sent 3 letters to transunion and they keep telling me they havnt received it 20 phone calls and they're doing nothing to help me clear up the identity theft that's causing my credit to be destroyed

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account has been reported incorrectly for years. It has incorrect last active dates and should be off of my report. They refuse to correct the issue.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account has been reported incorrectly for years. It has incorrect last active dates and should be off of my report. They refuse to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: OH

Complaint narrative:
This account has been reported incorrectly for years. It has incorrect last active dates and should be off of my report. They refuse to correct the issue.

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 2024-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tennessee XXXX XXXX XX/XX/year> Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear to whom it may concern, Re : Settlement Offer for Account Number XXXX I am writing to propose a settlement offer for the above-mentioned debt. As you are aware, I have been experiencing financial difficulties and have fallen behind on my payments. After careful consideration, I am offering to pay 25 % of the outstanding balance in a lump sum payment. 

This offer is a one-time settlement proposal, and I believe it is a reasonable and fair compromise considering my current financial situation. I am willing to work with you to find a mutually acceptable solution and avoid further collection activity. 

If this offer is acceptable, I request that we enter into a written settlement agreement that includes the following terms : The creditor agrees to delete the account from my credit file upon signing the agreement. 
The creditor reports the account as " paid '' or " settled '' to the credit bureaus, once settlement is paid. 
The creditor waives any remaining balance and agrees not to pursue further collection activity or legal action. 
If I fail to make the agreed-upon payment, this settlement agreement shall be deemed void, and the creditor may : - Put the account back on my credit file - Pursue collection activity or legal action to recover the full amount of the debt Upon completion of the settlement payment, I will be eligible to apply for credit and conduct business with the creditor in the future, subject to the creditor 's standard credit approval processes and terms.

Please let me know if this offer is acceptable, and we can discuss the details of the settlement agreement. If not, I would appreciate any alternative proposals you may have. 

Thank you for considering my offer. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am on the pre-screen opt out list and have been for years. I confirmed this a few months ago but continue to receive credit card offers from Ally. On the paper it indicates that you can choose to stop receiving pre-screened offers of credit by calling XXXX opt out which of course I have done, but it has not stopped them from sending me pre-screened offers of credit for months. It also says there is an enclosed insert with more information about pre-screened offers and opt-outs and there is in fact no enclosed insert with any information about that. I had to call them and they had to personally enter my information to opt me out of receiving these offers. That is not the correct procedure. It should be sufficient to simply be on the opt-out list. I would like Ally to stop sending me offers.

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 2024-05-20 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: TX

Complaint narrative:
Ive noticed a numerous errors after receiving and reviewing my credit reports. XXXX, Experian, and XXXX are alleging that the following accounts below are reported to be LATE or POTENTIALLY NEGATIVE without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of LATE or POTENTIALLY NEGATIVE information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 
In addition, urgently request produce and deliver a contract between you XXXX, Experian, and XXXX and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf. XXXX, Experian, and XXXX violated Privacy Act of 1974 ( 5 U.S. Code 552a ) & 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2024-05-20 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:
Attention : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FairCredit Reporting Act ( FCRA ) XXXX XXXX. XXXX ( FCRA ) Account Name : XXXX business cred Date Filed : XX/XX/XXXX Type of Account : credit bureaus Address : XXXX XXXX XXXX, XXXX tx XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX : Reason : XXXX Account Name : XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : Bank credit XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Number : Reason : XXXX Account Name : XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX ca Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX Number : XXXX Account Name : XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Personal loan companies Address : XXXX XXXX XXXX XXXX in XXXX Number : Reason : XXXX Account name : credit control XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Number : Reason : XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Number : Reason : XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Number : Reason XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Please remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX remove the following Employers from my account. This information does not apply to me.Inaccurate Employer as stated on Credit Report XXXX XXXX XXXX XXXX XXXX Please remove the following telephone numbers from my account. I am in no way affiliated with this number. 
( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I received compensation from a company called XXXX ( XXXX XXXX XXXX ) in the amount of {$11000.00}. This was transferred to my checking account at Bank of America by ACH. XXXX days later on XX/XX/XXXX the same company took an even larger amount of {$11000.00} from my account as a " reversal '' without my permission, authorization and any justification. This is complete fraud. I got in touch with Bof A but they didn't stop this fraud and refused to take the funds from the firm only blocked any future transactions from them.

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 2024-05-20 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: IL

Complaint narrative:
Upon reevaluation, I disagree with the findings of the previous investigation. While the XXXX XXXX XXXX XXXX account # XXXX was verified, there's no clear evidence of late payments for the specified dates. I request a statement from the creditor to confirm any late payments. If not available, I suggest updating the account immediately, as XXXX and XX/XX/year> payments were not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company 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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally complain about TransUnion 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, TransUnion failed to address or correct the inaccuracies in my credit file appropriately. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. XXXX : Account number : XXXX, This account is inaccurate. Remove this account ASAP. XXXX XXXX  : Account number : XXXX, I was never late. Update this on my report. XXXX XXXX | XX/XX/2022 : Account number : N/A, I never authorized these inquiries. Update this on my report. XXXX XXXX XXXX Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Remove this account ASAP. XXXX XXXX XXXX : Account number : XXXX, This account is paid and never late. Update this on my report. XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. XXXX XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive.These inaccuracies have significantly harmed my creditworthiness, affecting my ability to secure credit and favorable financial terms. I request the CFPB to investigate TransUnion 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.

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 2024-05-20 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:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
After careful review of my consumer report again, I still noticed that you continue to furnish misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You've reported transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, and XXXX XXXX And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all current liabilities have been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS as you continuously violate my consumer rights, and I intend to accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached

Company response to consumer: Closed with explanation