vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: MO

Complaint narrative:
Subject : Dispute of Late Payment Reporting on my XXXX XXXX XXXX  Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report for my XXXX XXXX XXXX account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between XXXX and myself should not be reported to consumer reporting agencies as adverse credit events. 
Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision. 
Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable. 
Given these legal protections, I formally request that this credit bureau review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA.

Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( s ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. Failure to do so will result in me taking legal action against your credit bureau. I also ask you to provide verifiable proof of payment records showing that I had late payments on this account. The law clearly states that if you are unable to provide this proof, then this is also additional legal grounds for XXXX to request that these late payments be deleted from my consumer report. 
Sincerely, 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-02-26 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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. 


EQUIFAX EXPERIAN 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I had a car note with Chase Bank for a XXXX XXXX XXXX XXXX, the vehicle was stolen and when I got the car back the insurance didn't cover the internal damages to the vehicle. I voluntarily let them know I didn't want the vehicle any longer and that they could come pick it up. Once they did, they sent it off to an auction in Indiana. Chase bank told me I couldn't buy it back since by the time they picked the car up, the car note was 2 months backed up, even though it was due to their late arrival. XX/XX/XXXX, they ended up selling the car for less than the actual cash value, they sent me the bill for the rest which was about {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MI

Complaint narrative:
I am writing to formally dispute the collection account associated with account number XXXX, which appears on my credit report. Under 15 U.S. Code 1681o, I am asserting a claim of civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling and reporting of this account.

Upon reviewing my credit report, I have determined that XXXX XXXX XXXX has failed to ensure the accuracy, completeness, and fairness of the information being reported. Specifically, I believe that : The reported information is inaccurate, incomplete, or unverifiable. 
XXXX XXXX XXXX has failed to properly investigate my previous disputes, demonstrating negligence. 
The continued reporting of this account has caused financial harm, including damage to my creditworthiness, increased interest rates, and possible denial of credit opportunities. 
According to the FCRA, all reported information must be accurate, verifiable, and fair. The failure to comply with these requirements constitutes negligence, making XXXX XXXX XXXX liable for any actual damages I have incurred due to this incorrect reporting. 

I demand that you immediately remove this account from all credit bureaus or provide verifiable proof of the debt, including : The original contract or agreement with my signature, proving my obligation to this debt. 
A complete payment and balance history. 
Documentation proving that your company has the legal authority to collect on this debt. 
If this dispute is not resolved within 30 days, I will have no choice but to escalate the matter by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office.

Pursuing legal remedies under 15 U.S. Code 1681o, which allows for the recovery of damages and attorneys fees due to negligent noncompliance. 
Please provide a written response to this dispute within 30 days of receiving this letter. I request that all future communication regarding this matter be in writing. 

Sincerely, 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Reporting differently on all credit agencies- payments should show that they are all on time. 

XXXX XXXX XXXX This is not my account it has been erased from XXXX but still being reported on XXXX and XXXX XXXX This should be deleted from all bureaus. 

XXXX XXXX XXXX- This company is reporting misinformation which is not consistent on all XXXX credit bureaus. this is not my account and should be deleted. 

XXXX XXXX XXXX This account is a redundant account under a different dept collector. I do not own this account. it should be deleted. they are reporting inaccuracies as well. 

XXXX XXXX  This account is still showing up on my XXXX account when it should be deleted. It has been deleted from other bureaus. this account should be deleted. 

XXXX XXXX XXXX XXXX- this account is showing inaccuracies. this account should have been closed in good standing but they are still reporting like the account is still open when it isn't. this account should be deleted. 

XXXX XXXX- This account has been deleted from my XXXX report but still showing up inaccurately on my other bureaus. This account should be deleted. 

Overall these accounts should be deleted from my credit report i have sent numerous letters to them and the creditors. They are still holding on to information which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have been XXXX since XXXX. I started at XXXX XXXX in XXXX. My loan is with Nelnet. I received an email from the XXXX XXXX saying they paid the loan. I sent Nelnet my XXXX form from Social Security verifying my XXXX. I also sent them a copy of the email from XXXX who paid the balance. Nelnet continues to say my account is past due. Now it's affecting my credit who cost me XXXX points from XXXX to XXXX. Each customer rep all have different responses some being downright unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Under Section 605B of the FCRA, consumer reporting agencies are required to block fraudulently opened accounts and other inaccurate information due to identity theft from a consumer 's credit report within four business days of receiving a valid identity theft report. However, this has not been adhered to in my case, causing ongoing damage and distress.

Furthermore, pursuant to Section 609 ( e ) of the FCRA, I have requested detailed information from the consumer reporting agencies pertaining to the fraudulent accounts opened in my name. I expect full cooperation from all agencies involved in accordance with the law. 

I urge the CFPB to ensure that all fraudulent entries on my credit reports are removed immediately and that all future compliance with FCRA regulations is strictly enforced. My financial stability and personal reputation are at serious risk due to these violations, and I require your urgent support to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  {$250.00} fraudulent charges " ( {$500.00} total ) were made at a XXXX store in XXXX XXXX. The next day, I called to report these charges to Wells Fargo and was told the matter was taken care of, the charges were removed, and I was issued a new card. 
I got a notice in XXXX that the fraud was " valid '' ( It is not, and I can prove it ) and I called again and asked for the matter to be taken care of. I was told not to pay the amount -which I have not - and a second replacement card was issued ( that I have not activated ). 
Once again, the fraud was determined to be valid charges by Wells Fargo ( though how I do not know as I have NEVER been contacted by their fraud department regarding this situation. When I called on Monday XX/XX/XXXX I was told that it was because it is a chip card -which makes no sense. I requested to speak to a manager or supervisor and was told none were available, but I would receive a call within 24 hours. It is now 48 hours later and I still have no call from a Wells Fargo Supervisor. 
At Wells Fargos request I have filed a police report with XXXX XXXX. If I had been advised to do son upon my first call I would have done so then, but I was not told to do this until recently. Also, I have my driving records from the day in question- XX/XX/XXXX. I use an app to track my drives as I work in outside sakes and get mileage reimbursement for work as you can see I was in XXXX XXXX specifically XXXXXXXX XXXX XXXX and XXXX the entire day of XX/XX/XXXX. I reside in XXXX XXXX. 
I do not visit XXXX XXXX and I did not that day. I do not shop at XXXX and did not that day. 
My card was and continues to be in my possession. I do not use it online for purchases and do not have it linked to any payments electronically. I dd not lend my card out nor have I given the number to anyone. My card was obviously hacked.

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 monetary relief
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-02-26 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Throughout these past 4 years ive been attempting to get rid of two credit cards that were fraudulently opened without my knowledge or consent. Both of which I knew nothing about until both were charged off. It has been destroying my credit. Multiple times ive requested information to take care of this but ive been unsuccessful every single one of those times. 

XXXX XXXX XXXX XXXX XXXX Statement XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and blonde highlights ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX  and XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported XXXX  was given verbal permission by me to speak on my behalf, I was not there for this call nor was I given notice it was being opened Date of opening - XX/XX/XXXX One payment - XX/XX/XXXX {$30.00} Hit Collections - XXXX XXXX XXXX XXXX  Last number associated with charges XXXXXXXX XXXX XXXXXXXX  Number associated with charges

Company response to consumer: Closed with non-monetary relief