vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
There are addresses in my report that are not mine or never been mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error XXXX XXXX XXXX XXXX and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX - Opened on XXXX Account Name : XXXX  XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX Opened on XX/XX/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 2024-11-27 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX  - Opened on XXXX Account Name : XXXX  XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX Opened on XX/XX/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 2024-11-27 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: PA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent inquiries be blocked and deleted from my credit report : Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-27 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: American Credit Acceptance, LLC
State: OH

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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 2024-11-27 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: OH

Complaint narrative:
I am contacting you becauseI recently disputed a bankruptcy you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 percent accurate. However this account is still reporting inaccurate which is costing damage to my credit file The case number you are reporting is wrong XXXX The name of the court is wrong XXXX XXXX XXXX XXXXXXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand That this account be deleted immediately. After you do so please send me a copy of my credit report reflecting these changes.

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 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 2024-11-27 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: TN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-11-27 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and file complaint to SANTANDER CONSUMER for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. The FTC report number related to this complaint XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Global Lending Service sold my repossed debt to a attorney office that has been threatening me with legal action the third party collection lawyer has put it on my credit report and it is keeping me from buying a house. This is a old account and a joint account I cosigned for a car with my daughter it isn't on her credit report. I have asked them to remove it they won't. It is old and been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Equifax for Violating 15 U.S. Code 1681 ( FCRA ) Dear CFPB and FTC, I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. I have gathered evidence that Equifax has misreported my rental payment history, which has had a detrimental impact on my ability to obtain credit and loans.

I have obtained three different credit reports from various sources : XXXX. XXXX XXXX XXXX. **Equifax 's Website** 3. XXXX* Upon reviewing these reports, it is evident that Equifax has destroyed my rental payment history on XXXX, inaccurately reflecting that I have not made any rental payments for the year 2024. This misrepresentation is not only misleading but has also resulted in the denial of credit applications and loans that I have sought. 

In contrast, the credit report from XXXX XXXX accurately reflects my rental payment history. The discrepancies between these reports indicate that Equifax has failed to adhere to the standards required by the FCRA and has caused significant harm to my financial standing. 

I request your agencies to investigate this matter thoroughly and take appropriate action against Equifax for their violations. I am prepared to provide any additional information or documentation you may require to assist in your investigation. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-11-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The PenFed company has NOT solved the issue and i request that the complaint remains open. Why did you close the unresolved complaint? Was this bot managed? The PenFed company still holding my deposit ; PenFed said, as mentioned in initial complaint to you, they sent a check, no check was ever received at my steady address on record. The company did in fact put a stop payment on the check but NOT until I notified them of not having received a check XXXX weeks after my money matured. Furthermore, the company is correct in having transferred the funds however to this date the funds, which is MY money in MY PenFed savings account, is still blocked by PenFed from allowing me to ACH all my money to my external account, except for {$5000.00} daily. I am entitled to take ALL the money that matured in CD, as of XXXX XXXX, {$52000.00} ; as the rules go, and as the PenFed agent told me after i agreed to transfer the funds to my PenFed savings in lieu of sending a new check. As of today XXXX of XXXX, XXXX weeks past the maturity date, i have no full control of the funds in the PenFed savings account. And they are disingenuous telling you that the customer got all his money, its in the PenFed Savings acct. That has the flavor of embezzling. In the meantime, PenFed had the audacity to charge my savings account a {$2.00} fee for Paper Statement. I did not agree to paper statement and also NOT receive a paper statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My credit card was placed into delinquency after XXXX  years for a {$53.00} missed payment. My wife and I just went through a high risk XXXX with complications and a very rough labor and delivery process. Helping my wife recover and taking care of my newborn daughter my {$25.00} regular payment to Wells Fargo slipped through the cracks. 

I didn't recieve a " Lets catch this together '' " It's time to act '' email communication until XX/XX/year> after the report had been made to the credit bureau. My credit score has been as high as XXXX and is above XXXX on average, I understand the importance of on time payments and honoring financial commitments. This card is only kept open to keep my credit age high. I don't believe that a credit score drop of XXXX points gives a fair representation of me as a consumer. Especially for such a low amount. 

I've contacted Wells Fargo and they have stated there is nothing that can be done. The payment has been made and they have gone as far as to remove late fees due to me being a loyal long standing customer. 

I ask that this late payment delinquency be removed as I believe it is a misrepresentation of my credit history. I also feel that Wells Fargo could have communicated that my account was at risk for delinquency and this could have been resolved without such harsh consequences. 

Any assistance would be appreciated.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX 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 of 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 2024-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I'm writing this in parallel with the process as I'm not confident that my loan will be corrected. 

I have been using Capital One Auto financing for the past 5 years. On XX/XX/XXXX would be my last payment and satisfy the loan. A payment of {$570.00} was requested on XX/XX/XXXX from my banking account, and was transferred with ACH from my bank on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email that my account was past due. I was confused as the payment was taken from my account on XXXX XXXX. I called Capital one, and after a frustrating initial call, I spoke to an escalation manager who confirmed there seems to be issues on final payments, and suggested that I request from my bank the federal trace ID for the ACH payment, and also a running 30 day statement. He suggested waiting a few days to see if it turned up. 

I decided on Friday XX/XX/XXXX to call my bank to get the federal trace ID, and then I called back and spoke to an escalation manager, who after a detailed search found my payment. He confirmed this would satisfy my account and apologized for the issues. 

I thought I was good, however, later that day I got an email from Capital one that extended my loan by a month since it was " past-due '' and then based on that added another month of interest ( based on a revised amortization schedule ). I did not ask to extend my maturity date, nor did I agree to additional interest. 

The payment posted today XX/XX/XXXX, and I called in again to speak to an escalation manager ( XXXX XXXX XXXX ). He initially told me the fees were due to me having late payments over the life of the loan ( it has been on autopay since XXXX ), and then after pressing he reviewed my XX/XX/XXXX statement which noted that my payoff amount was what had been taken out of my account on XX/XX/XXXX. He also manually calculated the interest and couldn't understand why it was saying I owed another {$130.00} and the email didn't make sense why my loan was extended. 

He is currently escalating to try and understand what happened, however, this process has had me lose faith in Capital One ( and reading XXXX similar experiences ) that I may be forced to pay this {$130.00} or end up again delinquent or negative status on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation