vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: VA

Complaint narrative:
On XX/XX/2018 I had a balance of XXXX for a repossessed truck with XXXX XXXX XXXX XXXX.This account balance was written off as a loss.XXXX  years later the account was turned over to recovery collection company.I agreed to make monthly payments starting on XXXXI made ontime payments until XXXX XXXX XXXX.I was able to get the money to pay off this account at the end XXXX XXXX sent payment in check form to the collector.I requested a payoff letter from collector so that I could update my credit report with all XXXX bureaus.I received that letter dated XXXX XXXX collector did their part by providing that letter.The letter had their company letterhead along with contact information.The letter stated that the account was indeed paid in full.Then I disputed the XXXX XXXX XXXX account all XXXX credit bureaus as paid in full along with a copy of the letter.Transunion and XXXX immediately updated that closed account as paid in full XXXX my credit report.However the problem that I am having is with Experian.After XXXX failed reinvestigations with attached letter ; Experian refuses to change my credit report.I did contact the XXXX XXXX by phone as well.I have no problem with the collection company.They did their job.My problem is with Experian doing their job.If they had any doubts, all the contact info is in that letter. 
Thanks for your help in resolving 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Legal Basis for Dispute : Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately.

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Requested Action : I request an immediate investigation into these matters and the following actions : Verification and Removal : Verify the accuracy and legality of the information reported by XXXX XXXX XXXX XXXX. If the information can not be verified or is found to be inaccurate or obsolete, please remove it from my credit report. 

Confirmation of Compliance : Provide written confirmation that XXXX XXXX XXXX XXXX has complied with all FCRA requirements, including my rights to privacy, the accurate reporting of information, and the appropriate handling of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: MD

Complaint narrative:
XXXX XXXX WAS DEDUCTED FROM MY XXXX SCORE FOR ABSOLUTELY NO REASON. AND THAT IS UNFAIR UNDER THE FCRA. RECEIVED AN ALERT FROM EXPERIAN THAT THERE WAS A NEW INQUIRY THAT RECENTLY TOOK PLACE ON MY CREDIT REPORT. BUT THAT MESSAGE IS ERRONEOUS. FOR, EVERY REPRESENTATIVES THAT I SPOKE TO FOUND EVERY OTHER ALERTS THAT WAS SENT TO ME FROM THEIR SYSTEM. BUT NOTHING REGARDING THE MESSAGE IN QUESTION. SO, I KNOW IT IS AN ERRONEOUS MESSAGE THAT MUST BE RECTIFIED. UNDER THE FCRA YOU CAN NOT TAKE AWAY POINTS FROM ANYONE 'S SCORE WITHOUT PROOF OF THE INQUIRY. INQUIRIES SHOW UP ALMOST INSTANTLY. IT IS GOING ON XXXX WEEKS AND I'M STILL WAITING ON THAT INQUIRY TO SHOW UP ON MY CREDIT REPORT -- -- -- -- -- -- IT HAS YET TO APPEAR. THAT IS WRONG. THERE ARE LAWS THAT PROTECT CONSUMERS AGAINST THOSE TYPES OF UNNECESSARY DEDUCTIONS OF ONE 'S CREDIT SCORES. PLEASE! RECTIFY THIS SITUATION, AND I WOULD LIKE TO HAVE THIS MATTER RESOLVED 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 2024-07-27 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: IN

Complaint narrative:
My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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 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 2024-07-27 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: IN

Complaint narrative:
My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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 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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial
State: TX

Complaint narrative:
XXXX XXXX XXXX ( debt collector ), sent my boyfriend an email with my name, and statement of a debt owed to Spotloan. I never applied for a loan nor received a loan from this company. My boyfriend was told via phone ( contacted them after receiving this ), that I was being sued for an outstanding debt to Spotloan and that they sent the documents to my HR dept. Where I work. My boyfriend set up a payment plan and paid {$210.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-27 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Keep receiving text messages from TrueAccord debt collectors. I do not owe them and have no clue who they are or why they are harassing me. I know for sure that I NEVER entered into an agreement or contract with TrueAccord. I do not consent to any form of communication or collection activity from TrueAccord. This is a cease and desist demand! DO NOT COMMUNICATE WITH XXXX XXXX  is an official demand. If TrueAccord places a trade line on any of the consumer reporting agencies, they will be sued to the fullest extent of the law! Federal law prohibits fraud, false and misleading business practices.

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 2024-07-27 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: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00} XXXX XXXX A dispute letter was sent {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint againsXXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) XXXX, Equifax and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : XXXX XXXX XXXX ( XXXX ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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:
I am writing to file a complaint against XXXX XXXX XXXX Credit Reporting Agencies ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}

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 2024-07-27 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: Supreme Lending
State: MI

Complaint narrative:
After checking my credit report from XXXX I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting XXXX I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
Supreme lending on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
After checking my credit report from XXXX I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting XXXX I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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