vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
This correspondence serves to notify you that I have recently obtained a copy of my credit report published by your organization. Upon careful examination, Im writing to dispute the inaccurate information that appears in my Experian consumer report.

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, pertains to Section 623, which addresses the responsibilities of consumer reporting agencies regarding the maintenance of accuracy. The Act stipulates that these agencies are required to report solely accurate information. Therefore, I kindly request to remove the inaccuracies from my report. 

On XX/XX/XXXX, I examined my credit report and discovered that XXXX is reporting incorrect information. Firstly, an old address, XXXX XXXX XXXX XXXX Oh XXXX, has reappeared, although I have never resided at that location. Additionally, the status of my XXXX card XXXX is incorrect. For account number XXXX, it indicates that the account was written off in XX/XX/XXXX, which is inaccurate ; it should have been written off in XXXX. Furthermore, the second XXXX card, # XXXX, has an erroneous reporting status for the period from XX/XX/XXXX to XX/XX/XXXX. I request the removal of this inaccurate information from my record. 

Furthermore, regarding my XXXX Credit card ending in XXXX, I have noticed that Experian, XXXX, and XXXX reported a charge-off in XXXX, whereas it actually occurred in XXXX. Federal regulations require the accurate reporting of information, and this company has not complied. I request the removal of this inaccurate data from my credit report. 

On XX/XX/XXXX, I dispatched a certified letter to all credit bureaus, requesting the removal of accurate data associated with XXXX. I informed them that they have 30 days to verify and eliminate this erroneous information.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ASKED FOR THE METHOD OF VERIFICATION 2 TIMES AND HAVE NOT RECIEVED A RESPONSE FROM YOUR COMPANY. UNDER THE FCRA YOU ARE REQUIRED TO DO THIS IF REQUESTED BY ME. SINCE YOU HAVE PASSED THE 15 DAY MARK WITH NO RESPONSE YOU HAVE VIOLATED THE FCRA WITH WILLFUL NON-COMPLIANCE AND I WILL IMMEDIATELTY BE SEEKING REMEDY FOR THE ACCOUNTS STILL REPORTING ON MY CONSUMER REPORT. ( XXXX ACCOUNTS TO BE DLETED )

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a credit account that appears on my credit report, and that has charges associated with it. The account was opened in my name with XXXX XXXX and the account number is XXXX. However, the charges are linked to an address that I have never lived at or used. The address listed on the statement is XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I have never lived at this address, nor have I authorized any activity related to this account. I believe this may be a case of fraud or an error in the records. The charges on the statement do not belong to me, and I do not recognize any of the transactions listed on this account. 

I have already reported this issue as identity theft on the XXXX website. 

I have attached the following documents as support : 1.PDF of the identity theft report from XXXX. 
2.Statement with the incorrect address.

3.Credit report showing the disputed account.

4.Utility bill or lease agreement with my correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a credit account that appears on my credit report, and that has charges associated with it. The account was opened in my name with XXXX XXXX  and the account number is XXXX. However, the charges are linked to an address that I have never lived at or used. The address listed on the statement is XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I have never lived at this address, nor have I authorized any activity related to this account. I believe this may be a case of fraud or an error in the records. The charges on the statement do not belong to me, and I do not recognize any of the transactions listed on this account. 

I have already reported this issue as identity theft on the XXXX website. 

I have attached the following documents as support : 1.PDF of the identity theft report from XXXX. 
2.Statement with the incorrect address.

3.Credit report showing the disputed account.

4.Utility bill or lease agreement with my correct 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.

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 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I returned a car for end-of-lease in XXXX of XXXX. I received a notification that the payment had been made in full by my former employer. I still have this notification. There was some charge that was for lease maturity going to my former employer that they either didn't receive or didn't pay or whatever. No one ever billed me for it. I never received notifications, but I noticed I had an outstanding payment on my credit that was not being paid month after month. I kept calling my former employer, and they denied the issue repeatedly. I kept calling XXXX XXXX, and they kept telling me I was paid in full, so the issue continued. Another month went by, and another penalty to my credit was incurred for the same supposed reason. I kept calling XXXX XXXX and they kept insisting that I was paid in full and that the balance was {$0.00}. One representative finally connected me with a different department called " lease maturity '' or something to that effect. On that call they told me that a balance of {$240.00} was unpaid, and was being sent to my former employer. I paid it over the phone immediately with a Debit Card and I have the proofs of payment. I was never properly advised or contacted concerning any of this, and my former employer never confirmed receipt nor paid any of the debt.

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 2024-12-27 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: NY

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 2024-12-27 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: NY

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with 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. 


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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The account is older than XXXX years from the date of first delinquency and should no longer appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account is older than XXXX years from the date of first delinquency and should no longer appear 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to XXXX and Capital One two times about this incorrect information being reported on my credit report. XXXX and XXXX has violated my rights and caused damages to my credit report and score. I called and spoke with XXXX via phone and was told they would fix the issue and still havent fixed the issue. Capital One Neiman Marcus is reporting the same account twice on my credit report. They are not allowed to report both accounts and due to this inaccurate information I wont both accounts completely removed from my credit report if not I will file a lawsuit against XXXX and Capital One. This is a violation and you all know it is. You all can not report inaccurate information to a consumer credit report. If both accounts are not removed due to violation I will file a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
XXXX XXXX is the proper spelling of my name. 
Asked to close account. Keep getting emails from Gemini saying suspicious activity on credit card emails. Phone numbers don't work. No longer able to log into anything online. Submitted help ticket with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
AFTER I CLOSED THE ACCOUNT, AROUND A MONTH LATER THERE WAS A CHARGE OF XXXX OF THERE, THEY SAID IT WAS INTEREST CHARGES.. SO I PAID IT OFF ON XX/XX/XXXX. AND CALLED AND SAID I WANTED NO OTHER CHARGES.. WELL LOW AND BEHOLD NOW THERE IS A CHARGE OF XXXX ON THERE.. NO THE CARD HAS BEEN CLOSED.. I CALLED AND ASK WHAT THE CHARGE WAS AND THEY SAID ADJUSTMENT CHARGES... FOR WHAT. COULD NOT GET A ANSWER... I WANT THE CHARGE TAKEN OFF AND NO OTHER CHARGES..THE GUY TOLD ME HE COULD NOT TAKE THE CHARGE OFF ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief