vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
COMPLAINT In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my EQUIFAX credit report On XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general 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 ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681 ( s ) -2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In around XXXX of 2023, a freeze was placed on my account for around {$1000.00} due to an unpaid debt that went into collections. That debt was repaid around XXXX of 2023. Since that time, I've called Capital One multiple times, as well as visited branch location, providing adequate paperwork proving that this debt has been paid. The debt collectors have also reached out to Capital One, providing paperwork and proof that this debt has been paid ( Capital One customer service has told me as much ). I was even told that Capital One 's legal department would reach out to me, which hasn't happened over a year later.

Despite the provision of such documentation, Capital One has, as of yet, refused to unfreeze these funds, citing a policy that they receive " paperwork signed by a judge '', which ( according to the law office handling the debt collection ) isnt something that is required ( or even occurs ) in the state of Louisiana. It's been over a year and a half since the debt was repaid, and I've been denied access to my rightful property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the inaccurate reporting of my payment status by CarMax Auto Finance, which has adversely affected my credit. Despite making my payments on time, CarMax Auto Finance has incorrectly reported that I was late. This reporting error has negatively impacted my ability to secure loans and other financial services. While I am aware of at least one instance where CarMax Auto Finance reported my payment inaccurately, I am uncertain if this has occurred on other occasions. I am requesting a thorough investigation into my account to identify any other potential inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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 urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this 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 2024-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The dispute has been open for several months, and despite providing all necessary proof, including an identity theft report and, they still haven't removed the account. I am now requesting the full removal of this account from their system and all three of my credit bureaus. I had no other option but to submit a CFPB 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 non-monetary relief
Consumer complaint received 2024-10-03 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:
Formal Demand for Immediate Removal of Late Payment Entries Account No. XXXX Dear Sir/Madam, I am writing to demand the immediate removal of the late payment entries associated with my auto loan account at XXXX XXXX XXXX XXXX XXXX ), account number XXXX, from my credit report. While I acknowledge that I made some late payments, I believe it is illegal and unfair for you to continue reporting these negative entries, and I am formally requesting that you remove them within 24 hours of receipt of this letter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and fair. Reporting late payments, especially after a consumer has made efforts to bring their account into good standing, is neither fair nor reflective of my overall creditworthiness. The FCRA mandates that credit bureaus must remove or correct inaccurate, incomplete, or unverifiable information from credit reports. These late payment entries, given my repayment efforts and the context of the situation, should not be reported, as doing so constitutes continued damage to my credit profile.

Additionally, under 15 U.S.C. 1681c, certain outdated or irrelevant information, including negative payment history, may no longer be reportable after a certain time. In this case, continued reporting of these late payments is disproportionate and harmful to my financial recovery. The law supports a balanced and fair reporting system, and reporting my late payments with no context or regard for my improved standing is a violation of that principle.

I expect the removal of these late payment entries within 24 hours of receipt of this letter. Failure to comply with this request may result in legal action, including claims for damages and enforcement of my rights under the FCRA.

Please send me written confirmation once the late payment entries have been removed from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have informed both credit bureaus and XXXX about reporting inaccurate information. The information provided by XXXX is not what shows on my credit report, therefore violating my rights. 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 public confidence, which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
I have informed both credit bureaus and XXXX about reporting inaccurate information. The information provided by XXXX is not what shows on my credit report, therefore violating my rights. 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 public confidence, which is essential to the continued functioning of the banking system.

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo placed a hold on my Social Security instead of posting it when it was deposited into my account. This caused the reoccurring payments to bounce and charging me {$35.00} in fees for a whopping total of over {$700.00}!

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 monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Through the month of XXXX, Ive received over XXXX phone calls from Navient about my late student loan payment. Ive turned my phone on silent because of how often my phone was ringing sometimes they call me up to XXXX times in a day. At this point, its harassment and I would like to take legal action. The lost states that the collectors can not call more than seven times Within a seven day period. Or within seven days after talking on the phone with me about said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I did not consciously opt in for courtesy fees. I had no knowledge of this as they did not send me any email whatsoever notifying me of my possible charge off. All emails I received were promotional emails. They denied sending me a copy of the 1099-C tax form, yet my credit report indicates that it is a charge off.

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 2024-10-03 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: AZ

Complaint narrative:
I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has severely impacted my reputation, and I need your help. Your mishandling of my report has left me in a difficult position, and the incorrect information has caused significant harm to my reputation. You need to remove these inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The late payment was done in error, however, they now say that they can't correct it because it is seven years old. I spoke with them in XXXX and was told it would be removed. 2 1/2 years later it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MO

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 non-monetary relief
Consumer complaint received 2024-10-03 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following fraudulent and illegal information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 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 explanation
Consumer complaint received 2024-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
Today, I found unauthorized inquiries on my credit report without any explanation. I checked it like I always do, but this time there were unexpected issues. I even tried refreshing my browser to see if it was a technical glitch, but nothing changed. I urgently request that my documents be carefully reviewed so this situation is resolved immediately. I'm beyond frustrated with this.

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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
URGENT ATTENTION CFPB BEFORE U SEND TO BUREAUS PLEASE READ! THESE ACCOUNTS WAS CHARGE OFF ON THE FOLLOWING DATE : XXXX XXXX SINCE THEN THE ACCOUNTS HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THESE ACCOUNTS PROPERLY AFTER I ASKED YOU TO DO IT TWICE AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNTS : XXXX AND XXXX  XXXX I ATTACHED MY ID SS CARDS AND VERIFICATION OF ADDRESS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
URGENT ATTENTION CFPB BEFORE U SEND TO BUREAUS PLEASE READ! THESE ACCOUNTS WAS CHARGE OFF ON THE FOLLOWING DATE : XXXX XXXX. SINCE THEN THE ACCOUNTS HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THESE ACCOUNTS PROPERLY AFTER I ASKED YOU TO DO IT TWICE AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNTS : XXXX AND XXXX XXXXXXXX I ATTACHED MY ID SS CARDS AND VERIFICATION OF ADDRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Demand for Validation of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XXXX Balance : {$530.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt. 

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports. 

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, 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 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
Spoke with XXXX  today at XXXX XXXX today. Explain that my payment of XXXX has not been taken out. App still says it good. Ach its schedule on Wednesday so on XXXX of XXXX it should of process by payment my bank denied bc Im aware I dont have the funds which the funds/income are applied on Wednesday and the company process the payment early to my bank that it was denied and this company launch servicing charge me for nfs fee. XXXX said my bank declined it on XX/XX/year> why did launch servicing process my payment early if I have ach schedule to process on the XXXX. And what I hate it I been on the phone for more than an hour to speak to a representative to waive a fee. Its been three day when I call later in the afternoon and need to wait half hour and more for an agent than I get tired of waiting and hung the called. Im guessing I need to call way early like I did to get someone. This is harassment for waiting this long I get stress by this company.

Company response to consumer: Closed with explanation