vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: KS

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The account is not mine and they keep harassing me in writing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX Dear Sir/Madam, I am writing to dispute the inaccurate and incomplete reporting on my credit report, which I obtained from your agency. After reviewing my credit report, I noticed several discrepancies in the reporting of late payments on my XXXX account. These inaccuracies are in violation of my consumer rights as outlined in 15 USC 1681. 
Account Information : Account # : XXXX Account Type : Mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$1800.00} Date Opened : XX/XX/XXXX Balance : {$270000.00} No. of Months ( terms ) : XXXX High Credit : {$280000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Discrepancies : 1. Late Payment Reporting : The credit report indicates late payments on my XXXX account, which are inaccurate. I have never been late on my payments. The reporting of these late payments is misleading and does not reflect my creditworthiness accurately. 
2. Incomplete Reporting : The reporting of late payments lacks detailed information such as the dates of the alleged late payments and the amounts overdue. This incomplete reporting makes it difficult for me to address and rectify the issue effectively. 
3. Missing Information : The credit report fails to provide any specific comments or explanations regarding the late payments, further complicating the matter and impeding my ability to dispute these inaccuracies. 
4. If you noticed your reporting is inconsistent with Equifax and XXXX. Its being reported correctly in the other two credit bureaus as on time/Pays as agreed I request that you conduct a thorough investigation into these discrepancies and promptly remove any inaccurate or incomplete information from my credit report. Additionally, I expect to receive a written response detailing the results of your investigation and any actions taken to rectify the errors within the time frame required by law. 
Please be advised that I am prepared to take further legal action if necessary to ensure that my consumer rights are protected and that my credit report accurately reflects my credit history. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE FOLLOWING INFORMATION WAS NEVER AUTHORIZED BY ME 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 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 non-monetary relief
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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

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 2024-06-13 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: ID

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are not the original creditors. They are claiming to be original creditors, and reporting on my credit charging interest, however they have not been able to provide me with any original documents, signatures or proof. Information they have on file is inaccurate and does not match. I want these items deleted from my report if they can not prove my address, zip and information within 30 days as required by law, and I also did not furnish any of these accounts with written instruction. They violated my rights. 

They are not the original creditors, and do not have any documentation on file. 

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 non-monetary relief
Consumer complaint received 2024-06-13 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: ID

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These companies are not the original creditors. They are claiming to be original creditors, and reporting on my credit charging interest, however they have not been able to provide me with any original documents, signatures or proof. Information they have on file is inaccurate and does not match. I want these items deleted from my report if they can not prove my address, zip and information within 30 days as required by law, and I also did not furnish any of these accounts with written instruction. They violated my rights. 

They are not the original creditors, and do not have any documentation on file. 

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 2024-06-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-06-13 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: IL

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my recent credit report, I noticed several inquiries that I did not authorize and which are negatively impacting my credit score. These inquiries are as follows : Inquiry by : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX, XXXX  Date of Inquiry : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX I am concerned that these inquiries are fraudulently affecting my credit rating. I have never given permission for these entities to access my credit file, nor have I conducted any business with them that would necessitate such inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my recent credit report, I noticed several inquiries that I did not authorize and which are negatively impacting my credit score. These inquiries are as follows : Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I am concerned that these inquiries are fraudulently affecting my credit rating. I have never given permission for these entities to access my credit file, nor have I conducted any business with them that would necessitate such inquiries.

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 2024-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
I received a letter from Edfinancial on XX/XX/XXXX that my student loans have been forgiven and the effective date was XX/XX/XXXX. On the letter it stated that overpayments made after the effective date will be issued as a refund. On my account payment history it shows the three payments I made after the effective date as reversed but I have not been refunded for those payments. When I inquire about the date they are unable to provide me with one, insisting that the Federal Treasury issues payments and they have no insight into them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Accepted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Offer Accepted for value XXXX {$9200.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account ( ... XXXX ) Signature Business By Accommodation : XXXX XXXX Without Recourse, XXXX XXXX Accepted UCC XXXX XXXX UCC XXXX / UCC XXXX / UCC XXXX Offer XXXX for value received {$23000.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. ( ... XXXX ) By Accommodation : AH/ Agent Without Recourse, XXXX XXXX Accepted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Offer Accepted for value received {$17000.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account # ( ... XXXX ) By Accommodation : XXXX XXXX Without Recourse, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-13 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Capital One for Ignoring Financial Hardship Request and Potential Retaliation Dear Sir/Madam, I am writing to formally lodge a complaint against Capital One for their failure to acknowledge and respond appropriately to my financial hardship request. Additionally, I am concerned about potential retaliatory actions they may take, including the repossession of my property without consideration of equity.

**Details of the Complaint : ** 1. **Background : ** - I have been a customer of Capital One for 4 years - Due to unforeseen circumstances, I am currently experiencing severe financial hardship. 

XXXX. **Financial Hardship Request : ** - On XXXX XXXX, I submitted a formal letter to Capital One detailing my financial hardship and requesting assistance. 

XXXX. **Capital One 's Response : ** - Despite my detailed request and supporting documents, Capital One has either ignored my communication or provided an inadequate response. 
- There has been no meaningful attempt to negotiate or offer accommodations that reflect my current financial situation. 

XXXX. **Legal Basis : ** - Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C . 1691, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors are obligated to consider and reasonably accommodate consumers facing financial difficulties.

- Capital Ones inaction appears to be in violation of these federal consumer protection laws.

5. **Concerns of Retaliation : ** - I am increasingly concerned that Capital One may retaliate by repossessing my property.

- Such action would disregard any equity I may have built up and would exacerbate my financial distress.

**Requested Resolution : ** - I seek your assistance in ensuring that Capital One acknowledges my financial hardship request and engages in good faith negotiations to provide reasonable accommodations. 
- I request that any potential repossession actions be halted until a fair resolution is reached, taking into account my equity and current financial situation. 


*XXXX : ** 1. Capital One Customer Service Department Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of the bankruptcy information listed on my credit report. I have reviewed my credit report and have identified that the bankruptcy entry is either incorrect. According to the Fair Credit Reporting Act ( FCRA ), it is my right to dispute information that is inaccurate, incomplete, or unverifiable. The specific reasons for my dispute are as follows : The bankruptcy information is incorrect and does not pertain to me.

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 2024-06-13 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief