vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I called my credit card company on XXXX XXXX. I have been charged, they show reoccurring, {$160.00} from XXXX XXXX XXXX. On my capital one account. I called XXXX 3 times and they show the did not charge me, or counting find it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-23 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: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have identified unauthorized accounts on my credit report that may have been added without my consent, potentially due to identity theft. Please remove these fraudulent entries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I have an account with aqua finance dating back to XX/XX/XXXX, when I moved into my new build home. I paid on this account monthly with no late payments at all. On XX/XX/XXXX my balance with aqua finance reported as {$0.00} balance and in good standing. I researched as to why this happen and came across the FTC settlement with aqua finance. My account wouldn't go to {$0.00} balance for no reason. When I spoke to a representative she stated she knew nothing about that settlement and that I still owed the amount. Aqua Finance then went back to my credit report and added the account balance that was {$0.00} balance for 2 months to {$5900.00}. I think this was a very unfair practice, and it is necessary for me to report this and the action aqua finance took. This action caused my credit score to drop around XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
In my credit report is stated charge off as of XX/XX/XXXX. Last payment was XX/XX/XXXX. This loan was from almost XXXX  years XXXX. I just received notification if wage garnishment starting on the XXXX if XXXX. 

Also it's past the statute if limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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 have sent Mutiple letters certified to these companies complaining about inaccuracy on my credit report. I have asked for proof and reinvestigation. They have violated my rights with the FRCA. They have put late payments on my credit without permission. They also charge off this account Mutiple times, when you can on do a charge off once. Please assist. 
I am writing to formally address a serious issue regarding inaccuracies on my credit report and to notify you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

I have sent multiple certified letters to your company regarding the inaccuracies on my credit report, specifically the repeated charge-offs and late payments for the account [ Account Number ] with [ Creditor Name ]. Despite my repeated requests for proof and reinvestigation, these issues have not been resolved.

Late Payments : I did not authorize the reporting of late payments, and they have been incorrectly listed on my credit report.

Charge-Off : The account has been charged off multiple times, which is a violation as a charge-off can only be reported once. 
This ongoing failure to correct the inaccuracies and provide proper documentation constitutes a violation of my rights under the FCRA. I am requesting immediate action to rectify these issues and ensure my credit report is accurate and compliant with the law. 

Please provide confirmation of the actions taken to resolve this matter. If this issue is not addressed promptly, I will consider pursuing further legal action. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2024-12-23 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: GA

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Re : Formal Request for XXXX Issuance, Removal of Account Reporting, Set Off, and Breach of Contract Actions Regarding Account # [ No. : XXXX ] & CFPB XXXX XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Identity Theft Report # : XXXX I, XXXX XXXX/Authorized Representative here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to XXXX  XXXX XXXX. I hereby instruct Indenture Trustee [ XXXX, XXXX ] to apply Principals Balance to Principals No. : XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within 10 business days after receipt of this notice. 

Please be advised that I have enclosed the XXXX XXXX XXXX for Arbitration, asserting my intent to initiate formal arbitration proceedings in accordance with the terms and conditions of the applicable agreement ( s ). This demand is being submitted as a result of the ongoing and unresolved dispute regarding the inaccurate and fraudulent information reported on my consumer credit file, as outlined in prior communications.

Pursuant to the arbitration clause within the governing agreement ( s ), and in light of your failure to adequately resolve this matter through standard dispute resolution channels, I am formally invoking my right to arbitrate in accordance with the rules and procedures established by the XXXX XXXX XXXX ( XXXX ). 

This letter serves as notice of my intent to proceed with the filing of a formal arbitration claim should this dispute not be resolved within the statutory timeframe set forth under the arbitration agreement. Failure to resolve this issue within the required period will compel me to submit the matter to arbitration without further delay. 

I hereby request that you promptly confirm receipt of this demand and advise of your willingness to resolve this matter through the designated arbitration process. 

Removal of Account Reporting and to Opt-Out : Furthermore, I hereby instruct Santander Consumer USA Inc. to remove the account of principal, XXXX XXXX XXXX from any and all credit reporting agencies and to opt out of the reporting of principal for this account. This action is warranted in light of the aforementioned inaccurate reporting of the account status and the potential breach of contract that has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: Kikoff Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate and inconsistent information being reported to the credit reporting agencies ( CRAs ) regarding my account with your company. These inaccuracies are damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following discrepancies were found in the data reported to XXXX, XXXX : Credit Limit Discrepancy : XXXX reports a credit limit of {$2500.00}, while XXXX reports a credit limit of {$0.00}. 
Last Payment Date : XXXX reports the last payment date as XX/XX/year>, while XXXX reports it as XX/XX/year>. 
Date Last Active : XXXX reports the date last active as XX/XX/year>, while XXXX reports it as XX/XX/year>. 
Payment History Discrepancies : For XX/XX/year>, XXXX lists the account status as " XXXX  '' ( Charge Off ), while XXXX lists it as " XXXX '' ( 120 Days Late ).

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you, as the furnisher of this information, are obligated to ensure the accuracy of the information reported to the CRAs. Additionally, the following legal precedents and statutes apply : FCRA 1681i ( a ) : Consumers have the right to dispute inaccurate information, and CRAs must investigate disputes promptly. FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Furnishers of information must not report information they know or have reasonable cause to believe is inaccurate.

FCRA 1681s-2 ( b ) : Upon notice of a dispute, you are required to investigate, correct, or delete inaccurate information. 
The inconsistencies listed above suggest a failure to meet these obligations. This account, as it is currently reported, is inaccurate and materially impacts my creditworthiness. I am requesting that you : Investigate these discrepancies and provide documentation supporting the information you have reported to the CRAs. 
Correct or delete the inaccurate information with all three CRAs ( XXXX, XXXX, and XXXX ). 
If you can not substantiate the accuracy of this information, I demand the removal of this account from all credit reports pursuant to the FCRA. Failure to comply with your obligations under the FCRA may result in legal action to protect my rights and seek damages. 

I have attached a copy of my credit report highlighting the discrepancies for your reference. Please provide a written response confirming the actions taken to resolve this matter within 30 days of receipt of this letter, as required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I found several inaccuracies on my credit report, particularly regarding billing. These reported late payments are not in line with my payment history. Please correct these errors and update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: OneMain Finance Corporation
State: FL

Complaint narrative:
In accordance with the fair credit reporting acts. This creditor has violated my rights under 5 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions. Under 15USC 166Ba creditor may not treat a payment under a credit card under a open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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 expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-23 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: World Acceptance Corporation
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation