vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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:
XXXX confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but XXXX reported my account 90 days past due, strictly for XXXX XXXX XXXX. 

After noticing the hit to my credit, I contacted the company and they corrected their internal system, but have failed to correct my credit report. 

I have repeatedly reached out to XXXX, XXXX, and Equifax to request correction, but XXXX has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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:
XXXX confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but XXXX reported my account XXXX  days past due, strictly for XXXX XXXX XXXX 

After noticing the hit to my credit, I contacted the company and they corrected their internal system, but have failed to correct my credit report. 

I have repeatedly reached out to Experian, XXXX, and XXXX to request correction, but XXXX has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.

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 2024-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification Account : XXXX XXXX XXXX XXXX payments late year XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am writing to dispute and complaint the negative mark that Santander Consumer USA has reported on my credit report regarding the repossession and sale of a vehicle. The vehicle was sold at auction, and Santander also filed an insurance claim under the " known loss '' provision and received compensation for the vehicle. Despite having received funds from the auction sale and an insurance claim, Santander has reported a derogatory mark on my credit report. This is both **inaccurate** and **unjust**, as it suggests I still owe a deficiency, when, in fact, the vehicles value has been recovered through both the auction process and the insurance claim. 
Under the **Fair Credit Reporting Act ( FCRA ) **, creditors have a legal obligation to report accurate and complete information to credit bureaus. The current negative entry on my credit report does not reflect the full financial recovery Santander received through these two sources and is causing significant harm to my creditworthiness. I demand that Santander **immediately remove this negative mark** from my credit report. Please treat this as a formal dispute of the information reported to the credit bureaus. I request written confirmation within **30 days** that the negative entry has been removed from my credit report. Failure to correct this issue will result in my escalating the matter to federal agencies, including filing complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **, as well as pursuing other legal avenues available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" As per the guidance from the Consumer Finance Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which alls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX. {$11000.00} XXXX XXXX XXXX. {$5100.00} XXXX XXXX XXXX XXXX XXXX. {$530.00} XXXX XXXX XXXX XXXX XXXX. {$4200.00} XXXX XXXX XXXX XXXX XXXX. {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom this May concern Ive had multiple disputes about accounts reporting on my credit report. These accounts have been disputed with transunion, XXXX and XXXX. I have filed a FTC report and have tried multiple attempts to remove these. I have paid all accounts I ever had as agreed and always paid my bills on time. Someone had access to my name & information while I was XXXX  and putting things in my name. I paid all my bills off and had all my business affairs handled before hand. 

XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX Now that Im no longer XXXX  I am monitoring my credit closely and trying to restore my life again. These inaccurate reportings are prohibiting 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 2024-09-29 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:
To whom this May concern Ive had multiple disputes about accounts reporting on my credit report. These accounts have been disputed with XXXX, EQUIFAX and XXXX. I have filed a FTC report and have tried multiple attempts to remove these. I have paid all accounts I ever had as agreed and always paid my bills on time. Someone had access to my name & information while I was XXXX  and putting things in my name. I paid all my bills off and had all my business affairs handled before hand. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Now that Im no longer XXXX  I am monitoring my credit closely and trying to restore my life again. These inaccurate reportings are prohibiting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Wayfair wants to charge for a product that was returned i physically seen product picked up placed into truck and taken from my possession wayfair is wrongly wanting to charge me as ive never opened an account with them cedar business services have wrongfully put this on my credit report this was a purchase from 2021 can not provide any documents since product was returned

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 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid the credit card in full & closed my account with Comenity Capital Bank XX/XX/year>. I received a notification through XXXX XXXX that I had a charge to that credit card. I immediately called them & tried to pay off the balance & was told the charge was for interest & I could not pay it due to the account being closed. The representative advised me to dispute it through XXXX XXXX or XXXX which I tried numerous times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CSO Financial
State: OR

Complaint narrative:
I was garnished without notification trying to collect on XXXX tickets that are past there statute of limitations that are all over XXXX to XXXX XXXX XXXX was never notified at all about this debt so far that have take over XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CT

Complaint narrative:
Dear XXXX, XXXX, and Equifax, I am writing to formally submit this notice of violation regarding the handling of my consumer credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically concerning your agencys negligence in ensuring maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 
1. Violation of 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Your agency has reported an account related to XX/XX/XXXX which was charged off by the creditor. However, this account has been inaccurately and misleadingly reported on a monthly basis as " charge off, '' despite the fact that a charge-off is a one-time accounting event. 
Under 15 U.S.C. 1681e ( b ), you are required to adopt and follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The continued and repetitive monthly reporting of this charge-off fraudulently extends the negative effects of the event on my credit report and is materially misleading. 
2. Failure to Maintain Reasonable Procedures to Verify Information Provided by the Furnisher Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information, such as XX/XX/XXXX , are obligated to report only accurate and complete information. Your agency has failed to fulfill its legal responsibility to verify the accuracy of the information provided by XX/XX/XXXX. 
The erroneous reporting of both the charged-off status and the continued reporting of a credit limit on a closed and charged-off account is a blatant violation of your statutory duty. 
Such reporting is inherently inaccurate, as a charged-off account should not reflect a remaining credit limit, thereby misleading future creditors regarding the availability of credit on a closed and written-off account. 
3. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition Against Inaccurate Adverse Reporting The FCRA under 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is inaccurate or misleading. By continuing to report the charged-off status on a monthly basis, XXXX, XXXX, and Equifax is in violation of this provision, allowing misleading and inaccurate information to persist on my consumer report. 
4. Negligence in Addressing Disputes and Correcting Information Pursuant to 15 U.S.C. 
1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Despite prior disputes regarding the accuracy of the charged-off account, XXXX, XXXX, and Equifax has failed to undertake any meaningful investigation or corrective action, resulting in the continuous reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm disputing owing any and all debts. I need this info to be deleted from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: NY

Complaint narrative:
XXXX XXXX XXXX was supposed to delete this incorrect account from my credit report/ They sent me a letter back in XXXX and this account is still being reported. I demand it be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: GA

Complaint narrative:
I filed for and was approved for the TPD discharge of my Federal Student Loans. My XXXX balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and XXXX and even reached out to the Department of Education with no resolution to this yet except to wait up to 6 or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.

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 2024-09-29 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: GA

Complaint narrative:
I filed for and was approved for the TPD discharge of my Federal Student Loans. My XXXX balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and XXXX and even reached out to the Department of Education with no resolution to this yet except to wait up to XXXX or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed for and was approved for the TPD discharge of my Federal Student Loans. My XXXX balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and XXXX and even reached out to the Department of Education with no resolution to this yet except to wait up to 6 or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.

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 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Bank XXXX XXXX XXXX XXXX XXXX. 



On XX/XX/year> I received a court summons saying that XXXX XXXX purchased a debt that does not belong to me and I was not aware of, stating that they are taking me to court and I have 20 days to respond to the summons or a judgement will be put on me for the debt owed that I did not incur. I have never applied for a capital one account, and have never received any correspondence in the mail saying I owe a debt or that it was sold. I am a victim of identity theft and this account does not belong me. Contacting XXXX XXXX they were no help at all, so I am reaching out to the CFPB to help resolve this issue immediately. 

Capital One Cabela 's Club Acct # ending in XXXX. Balance Claiming to be owed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested that Experian remove addresses from my credit report that do not belong to me, but they are still appearing. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you have the right to dispute inaccurate or incomplete information in your credit report. Heres a breakdown : Section 1681i ( a ) states that when you dispute information, the credit reporting agency must conduct a reasonable investigation. 
If the agency finds the information is inaccurate or can not verify it, they must delete it from your report. 
Additionally, 15 U.S.C. 1681c outlines the types of information that can be included in credit reports and the duration for which they can appear.

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 2024-09-29 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: IL

Complaint narrative:
I XXXX XXXX of the XXXX estate have been seeking for immediate action and fiduciary trusteeship of TRANSUNION do to the naccurate information reporting on my credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. Transunion has failed to properly remedy and investigate this matter.

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