vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-04-03 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I signed up for a secured card with XXXX XXXX on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in consumer reports ; Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX  reported to XXXX, XXXX, XXXX, and Innovis, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal.

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for XXXX, XXXX, XXXX, and Innovis, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions.

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice. 

NOTE ONLY TO XXXX and INNOVIS : XXXX XXXX XXXX, XXXX, and XXXX have all received the same notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: DC

Complaint narrative:
I never graduated from the XXXX XXXX XXXX in XXXX, but paid off the loan and i am still in debt from a school that closed down the next year in XXXX, I have record of certification that I was supposed to receive after attending, because I was told I owed money before I can get my certification. It was fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Notice of Dispute - KOHLS/CAPONE XXXX To Whom It XXXX Concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account KOHLS/CAPONE XXXX XXXX my credit report. Upon review, it has become apparent that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to address and rectify this issue. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following key details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself concerning the account KOHLS/CAPONE XXXX. 
Original Creditor : Clearly state the name and contact details of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account KOHLS/CAPONE XXXX was initially established. 
Date of Last Payment : Clearly indicate the exact date of the last payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account KOHLS/CAPONE XXXX. 
I am fully cognizant of my rights under the FCRA, and it is evident that there has been a failure on the part of XXXX to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I demand a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will compel me to pursue legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, I request that any corrections made to my credit report be promptly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NV

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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been using Capital One Credit card for awhile now. I have always made my payments through their payment portal system. I went to make a payment in XXXX of 2024 and seen my payment was proceed but continues to sync and never gave me a confirmation of payment. I realized at end of XXXX, that my credit was marked as late. I called Capital One Spark customer service and disputed the late payment and they would not take accountability for their system being flawed. I have no late payment history with this company and feel my complaint or concern was not addressed properly and the customer service would not honor their mistake and fix the late payment repotted to my credit or statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) XXXXXXXX XXXX is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
XXXX XXXXy has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

WF CRD SVC I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: NV

Complaint narrative:
Credit report pulled on XX/XX/XXXX, is reflecting incorrect information regarding payment history for an auto loan that I share joint responsibility. 


Flagship Credit Acceptance - Date opened XX/XX/XXXX. Reported date opened under XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please delete this entire account for inaccurate reporting. 

Under the payment history, you have blank boxes, which I understand to mean no data has been reported for the time period. Please delete this entire account for inaccurate reporting. 

Payment Status reads current for all RA ( reporting agencies ), but it doesn't reflect one payment being made in XXXX. Please delete this entire account for inaccurate information being reported. Last payment made XXXX of XXXX. Payment history ends XX/XX/XXXX. Please delete this account for inaccurate and false reporting. 

Under the two-year payment history, you claim I was late XXXX days late from XX/XX/XXXX until XX/XX/XXXX and after that all payments go back to normal for the month of XX/XX/XXXX. Please delete this entire account due to inaccurate and false reporting. Why don't you have data for the months neglected? Please delete entire account. 

Then starting back in XX/XX/XXXX, I have accuracy from XXXX showing on time but show 30 days late with XXXX and XXXX? This is inaccurate reporting and it's damaging my reputation with another creditor. Please delete this entire account for inaccurate reporting. 

Next, I would like to have my previous addresses deleted. I have requested this action to take place several times now and all of the addresses are still listed under all of the RA ( reporting agencies ) data bases. I would like to only have my current address as I'm dealing with identity theft. Please delete all previous addresses as it is illegal to have mail going to multiple addresses. This information keeps resurfacing please delete.

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 2024-04-03 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: 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 non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MA

Complaint narrative:
A debt collection notice was sent to my personal residence for a business debt, which I did not personally guarantee nor is it my personal responsibility. This debt, originally held by XXXX XXXX XXXX, has been passed to XXXX XXXX XXXX for collection as if it were a personal obligation, despite being associated with a corporate entity. 

The letter, received on XX/XX/XXXX, incorrectly addresses me in relation to this matter, indicating XXXX XXXX XXXX as the original creditor. However, the debt in question is linked to a business entity, for which I was only the account administrator. My involvement with the account did not include any personal guarantees for the entity 's financial commitments. 

I am not personally liable for this debt, and I believe that XXXX XXXX XXXX should focus their recovery efforts on the corporate entity involved, rather than pursuing an individual who has no personal financial obligation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
XXXXXXXX XXXX is reporting my account with them as late for the passed 4 months- disputed with all the reporting agencies all come back as verified when I sent clear evidence there was a mistake - XXXX XXXX  has tried summiting the proper information to the agencies and but they are still reporting wrong information on my 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 2024-04-03 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: MI

Complaint narrative:
SEE ATTACHED XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information below. Please see the items listed below : ACCOUNTS : XXXX. XXXX, XXXX. 
Account Number : XXXX Reason : Charge offs, should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : DELETE this account XXXX. XXXX First Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account XXXX. XXXX Bank Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account XXXX. XXXX Account Number : XXXX Reason : Charge offs should have a XXXX balance, I dont remember having a charge off Instruction : Delete this account Please investigate this matter, DELETE these disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
Subject : Notice of Dispute - XXXX - XXXX To whom it may concern, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account XXXX - XXXX on my credit report. It has recently come to my attention that there are several apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account, necessitating immediate action to address these issues. 

I hereby formally request a comprehensive debt validation, inclusive of the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX - XXXX. 

Original Creditor : Clearly state the name and contact information of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account XXXX - XXXX was initially established. 

Date of Last Payment : Specify the exact date of the last payment made concerning this account. 

Date Account Was Closed : Indicate the date on which the account CAF - XXXX was officially closed, if applicable. 

I am fully aware of my rights under the FCRA, and it is evident that there have been lapses in adhering to these obligations in ensuring the accuracy and validity of the information reported by XXXX. Therefore, I demand a prompt response and resolution to rectify this matter. 

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Consider this letter a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be sent to the CFPB portal. Furthermore, please ensure that any corrections made to my credit report are promptly reflected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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:
Despite my persistent attempts, I have not made any progress in resolving these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. If you choose not to address my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX. has violated my civil rights. XXXX XXXX. XXXX ( A ) ( XXXX ) states that 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 2024-04-03 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: IL

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-03 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: 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 explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation