vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: CA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have contacted the credit bureaus about the inaccurate account that are being reported on my report and they have not did anything. This is causing me grave financial woes due to their violations of reporting inaccurate accounts on my report. I demand that those attached accounts be deleted immediately.

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 2024-11-12 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: VA

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 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 2024-11-12 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 am writing to inform you that I am a victim of a data breach and request that you block and delete all accounts and inquiries associated with this breach from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Specifically, I am requesting the following action : XXXX. XXXX Account ( XXXX ) ** Opened on XX/XX/XXXX with a balance of {$XXXX}. 
XXXX. XXXX from XXXX Dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have made several attempts to remove fraudulent remarks from my credit report, identified between XXXX and XXXX. Despite participating in the dispute process with XXXX, Equifax, and XXXX, reaching out to other credit reporting agencies, and contacting the involved companies, I have not succeeded in resolving these unauthorized fraudulent accounts that I did not benefit from. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bureaus, making me a victim. I am seeking assistance to correct these fraudulent accounts. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NC

Complaint narrative:
I have made several attempts to remove fraudulent remarks from my credit report, identified between XXXX and XXXX. Despite participating in the dispute process with XXXX, XXXX, and Experian, reaching out to other credit reporting agencies, and contacting the involved companies, I have not succeeded in resolving these unauthorized fraudulent accounts that I did not benefit from. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bureaus, making me a victim. I am seeking assistance to correct these fraudulent accounts. 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 explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$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 2024-11-12 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:
I am writing to file a complaint concerning Experian and their continued reporting of inaccurate information on my credit report from XXXX BANK. Despite multiple disputes related to this account ( Account Number : XXXX ), no action has been taken to correct or remove the errors. These inaccuracies are having a significant negative impact on my XXXX XXXX, and the incorrect information is misleading potential lenders. I have made numerous attempts to address this issue by reaching out to both Experian and XXXX BANK, but my concerns have not been resolved. The lack of correction is causing ongoing financial harm, affecting my ability to secure loans and other forms of credit. Additionally, the situation is taking an emotional toll as I struggle with the consequences of these reporting errors.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im reaching out for your assistance with the incorrect account on my credit report. This has damaged my reputation as a customer, and I need your help. I am requesting that these accounts be removed due to the inaccurate and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I opened up a XXXX credit card and proceeded to do XXXX balance transfers. The balance transfer of XXXX of the credit cards has never shown up on their end. I did a balance transfer to pay off {$XXXX} to my XXXX credit card. XXXX doesn't not show this transfer going through. I have asked XXXX to provide me with all the details of the transfer to provide XXXX and XXXX can only get the Trace ID and Customer ID and XXXX says XXXX isn't enough. They need proof showing XXXX digit payee account number/external bank account details. XXXX refuses to provide me with that information. This was processed on XX/XX/XXXX and cleared XXXX on XX/XX/XXXX. The amount was {$XXXX}, trace ID XXXX and XXXX ID XXXX. I keep calling and have been for months and no one will help me and now I owe XXXX credit cards {$XXXX} which I believe to be fraudulent.

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 2024-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
SANTANDER CONSUMER USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausXXXX Equifax, and XXXX. Specifically, the inaccuracies include : 1. Inaccurate account opening dates 2. Inaccurate reporting dates 3. Inaccurate balances 4. Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report. 
Additionally, the Privacy Act of XXXX  reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in XXXX to be removed. 

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

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

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on 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 2024-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
My car was repossessed XX/XX/year>XXXX  with balance of {$7500.00}. Car sold XX/XX/year>XXXX  for {$5600.00}. I asked for the difference. Exeter Finance said I would have to pay {$7500.00}. I said I was responsible for the difference which would be {$1900.00}. They said if I payed a lump sum for {$4600.00} within 10 days they send a letter than I wouldn't owe the {$7500.00}. I told them I should only have to pay the difference and they said no. I asked for an itemized statement for everything pertaining to my car and they won't provide the information. How can they charge more than the difference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CO

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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
Complaint Against [ ALDOUS AND ASSOCIATES ] for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against [ ALDOUS AND ASSOCIATES ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing violations of 12 CFR 1006.34. 
Summary of Violations : XXXX. Failure to Provide Validation : [ ALDOUS AND ASSOCIATES ] has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( XXXX ). Despite my request for validation of the alleged debt, they have not supplied any documentation or information to substantiate their claims. 
XXXX. Dispute Rights : I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( XXXX ) ( XXXX ). The lack of validation has prevented me from appropriately addressing the validity of the debt. 
XXXX. False and Misleading Practices : The collection agency is using false, misleading, and deceptive means in their attempts to collect this alleged debt, which constitutes a clear violation of consumer protection laws. 
XXXX. Unauthorized Reporting : [ ALDOUS AND ASSOCIATES ] has furnished an account to consumer reporting agencies without providing the necessary disclosures required by law, thus violating 12 CFR 1006.34 ( d ) and XXXX XXXX ( a ) ( XXXX ) ( A ). 
Dispute Declaration : I hereby dispute owing {$350.00} to [ ALDOUS AND ASSOCIATES ]. I am requesting that they cease all communication with me via text, email, or phone calls, as I am revoking all rights for them to contact me in this manner. 
Request for Documentation : I also formally request the following : A complete validation of the debt in question, including any purchase agreements between [ ALDOUS AND ASSOCIATES ] and the original creditor. 
Any documentation that demonstrates their authority to collect on this alleged debt. 
Please address this matter promptly. I would like confirmation that my dispute has been received and that appropriate actions are being taken regarding this issue. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-12 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:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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