vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: SC

Complaint narrative:
This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: MI

Complaint narrative:
I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on XXXX. But on XXXX and Equifax credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With Equifax its listed account was closed XX/XX/XXXX. XXXX date od closer is on XX/XX/XXXX. XXXX on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later.

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Monday XX/XX/2024 I applied for a credit card and was denied against the law with birth-given name and surname as registered owner of bank copyright.

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 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Venmo has permanently disabled my account without any justification or explanation aside from : " While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement.

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. '' Venmo first suspended my account, then asked for ID verification, which I sent, and then sent the above response. Now they have my personal information including my SSN and refuse to explain why my account is frozen. 

The ticket number for the event is XXXX. 

I have reviewed their terms and policies for use and do not see anything that would warrant a violation. It's concerning that private information was requested and then my account was disabled shortly after. 

There are several online posts explaining the same thing has happened to many others. Not only is it poor customer service, but seems like a security risk to have my personal information being held by a banking institution that seems to rely on bots and AI to respond to email communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. These collections found with my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization-used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-22 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: PA

Complaint narrative:
XX/XX/XXXX, I looked at my report. I sent a letter to XXXX And Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also my accounts was paid off and was still showing that it is open and i requested that they delete the paid off accounts from my credit report they simply updated the report and change my open account to closed. i also contacted the banks and the banks told me to contact the credit bureau 's i also contacted XXXX once again and they told me they will investigate but the other 2 gave me no choice seeking for help. 

XXXX, Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: PA

Complaint narrative:
XX/XX/XXXX, I looked at my report. I sent a letter to XXXX And XXXX on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also my accounts was paid off and was still showing that it is open and i requested that they delete the paid off accounts from my credit report they simply updated the report and change my open account to closed. i also contacted the banks and the banks told me to contact the credit bureau 's i also contacted Experian once again and they told me they will investigate but the other 2 gave me no choice seeking for help. 

XXXX, XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case

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 2024-04-22 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: OH

Complaint narrative:
I am writing to follow up on my previous disputes regarding an unknown account that is still appearing on my credit report. Despite my repeated efforts to rectify this issue, the account in question remains unresolved. 

As I have previously stated, I have no knowledge of this account and have never opened or authorized it. Its presence on my credit report is not only erroneous but also detrimental to my creditworthiness.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Indigo kept on sending me mails about my missed payment instead of sending paperless notifications which I kept requesting them to do. Additionally, instead of calling me from a registered customer service number they were calling me from multiple odd numbers. Obviously due to security reasons I did not respond or provide my SSN info. 

Then they reported my missed payments to the credit bureau. I requested a courtesy removal since my account is in good standing and due to lack of communication at their end several times. They denied my request stating that since these are valid notes, they can not delete them from my credit report as per policy. As an attorney and a company investigator, I did my due diligence to find out that they have extended this courtesy to other customers and deleted information reported to the credit bureaus. 

This is absolute and blatant discrimination and such practices should not be allowed. I requested them to provide a letter in writing that they have not extended this courtesy to other customers in the year 2023 but they refused to provide the same. I will have to take this complaint to the courts and file a discrimination complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX, there were allegations of fraudulently account activity regarding payments to the account. Exeter Finance refused to investigate all the payments applied to the account. Exeter Finance allegedly not applying interest paid on the account throughout the duration of the loan. This was brought to Exeter 's attention and they did nothing to investigate or correct the account payments. 

At this time, was notified that XX/XX/XXXX the car will be paid off in full. We had a discrepancy on the loan terms. I agreed to 5 years or 60 months. Exeter terms were 8 years or 84 months. I requested a copy of the signed contract on the date of the sale. Exeter never sent me a copy of a original bill sale with terms. 

During this time, I could not get a record of all payments and other transactions, So, I went through my records and came up the total payments as XX/XX/XXXX was approximately {$29000.00}. When the purchase total was approximately {$23000.00}. 

Another discrepancy, According to Exeter as of XX/XX/XXXX, total balance owed on the account was approximately {$23000.00}. After 4 yrs and 5 year terms, I still owe the purchase price of {$23000.00}. This did not make any sense to me. Exeter refused to send me a copy of a signed contract on the date of sale, which was XX/XX/XXXX. Exeter prohibited copies of all payments made to the account, and request for payments made at the time of repossession. They never sent the documents. In XX/XX/XXXX, I refuse to continue making payments to the account because of their accounting practices on how payments were posted. In XX/XX/XXXX, Exeter reported the vehicle as a repossession. After I sent them a copy of all the payments, fees, and other payments totally over {$29000.00}. Exeter never returned documents requested. It may word against Exeter.

Today, Exeter send a document saying I still owe them {$18000.00}. After 2 years of silence or contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-22 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
According to the U.S. CODE, TITLE XXXX, CHAPTER XXXX, SUBCHAPTER XXXX ( NUMERAL XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( NUMERAL XXXX ) " There is a need to ensure that consumer reporting agencies exercise their serious responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' I APPRECIATE PLEASE THEY BE REMOVED AS SOON AS POSSIBLE SINCE IT IS AFFECTING ME FOR A LONG TIME AND I HAVE LIMITATIONS TO OBTAIN SOME TYPE OF CREDIT AND ADDITIONALLY I REQUEST THE TYPES OF JOBS THAT ALSO APPEAR IN MY REPORT IN AN INCORRECT WAY, BE REMOVED. 

I also need to please correct the phone number at XXXX and if the fraud block that was placed on XX/XX/year> can be removed because also when I apply for any credit I do not have that phone number. 

And also due to the fraud block, it also does not allow me to access any credit tool or even open a bank account online.

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 2024-04-22 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: AL

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies, so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

Company response to consumer: Closed with non-monetary relief