vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I leased a XXXXXXXX XXXX XXXX prior to joining the XXXX XXXX. 

I reached out to the lender American Honda Financial upon returning injured from XXXX that I was not in a position to keep the vehicle and that I wanted to cancel the lease. Per their representative, " You're still on XXXX XXXX. We can't legally do anything until your contract is up. " I attempted to return the vehicle to the dealership I got it from on several occasions to be told the same thing, " You're still on XXXX XXXX. We can't legally do anything until your contract is up. " I just recently got a job where I've managed to save up for a car that I really want which happens to be another Honda XXXX however, I go to finance the car and I am told that I have canceled lease / repo under my name with American Honda Financial. How could this be when for the last six months these people have told me '' You're still on XXXX XXXX. We can't legally do anything until your contract is up. "? I believe this company has illegally done things to cover up what they've been telling me the last six months to avoid having to actually do the paperwork. 

I have been XXXX from the XXXX since XX/XX/XXXX which I have offered to send them my XXXX to which they've declined to accept it because it says in their system they see me as list under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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 am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MN

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX TransUnion XXXX, XXXX. XXXX ( XXXX, XXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXX XXXX Trans Union XXXX, XXXX. XXXX. 

I remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information. 

This account has already been deleted by XXXX and XXXX for FCRA violations. The first investigation was a sham into this account by you. As you know the CFPB is suing XXXX already for sham investigations and not properly verifying accounts, I would hate for another credit bureau to start having the same legal troubles.

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 2025-01-11 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Kriya Capital, LLC
State: AL

Complaint narrative:
I have checked my credit report and noticed I had a collection from Credence Resource Management for {$440.00} opened on XXXX, XXXX XXXX This is inaccurate! According to 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. I have tried to dispute this and have requested debt validation multiple times and have received nothing in return but disrespect. XXXX is not letting me dispute the account any longer either and I want it removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
XX/XX/XXXX Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not b
een upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance w
ith this requirement, violating consumer rights to timely and accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, pre
venting unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Equifax that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
XX/XX/XXXX Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Equifax that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Account was sold to third party and wasn't properly investigated

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 2025-01-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are - XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX Amount : XXXX - XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXX I've reached out to the companies and haven't received any type of feedback.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Experian : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Experian.

If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary.

I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Experian : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Experian. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-11 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:
XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
TransUnion : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from TransUnion.

If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary.

I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief