vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I sent a {$900.00} wire for a product XXXX XXXX, I realized I got scammed XXXX XXXX when the merchant requested {$4000.00} more dollars from me. I filed a dispute I told Captial one I had all the proof and documents they needed they said if they needed info they would contact me days later they denied my dispute, I tried to call and re file with the proper doucments but they refused to take it, they been giving me the run around, giving me wrong claim numbers since I filed the claim. It's been a total nightmare!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also state reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also state reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
according to the FCRA 15 U.S code 1681 2xi, 15 U.S. code 1666b and U.S. code 6802. a creditor can not place a late payment with out notifying me. i did not receive any notice. if pennymac the creditor can not prove on i authorized these late payments to be added to my credit report please remove from credit report. also there is inaccurate reporting of the late payments. i have attached the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Asset Recovery Bureau LLC
State: MN

Complaint narrative:
I have received communication from Asset Recovery Solutions LLC regarding paying back a loan that I had with XXXX XXXX XXXX XXXX XXXX that I opened using a XXXX XXXX checking account. The representative I talked to on XXXX said the original loan was for {$700.00}, but my failure to repay has made it increase to XXXX. The representative said I did make a few payments and stopped. None of this is true. I never opened a loan with XXXX XXXX and I never had a checking account with XXXX XXXX. I told the representative that none of these accounts was on my credit report, and he responded that just because the accounts weren't on my credit reports didn't mean that I never had them which sounded dubious to me. I ended the conversation there and decided to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I am making this complaint because there is a problem with the procedure used by XXXX XXXX, XXXX, and Equifax to block information resulting from identity theft. I was a victim of a threatening crime where XXXX XXXX XXXX XXXX XXXX XXXX  and my wallet with my credit cards and other personal data was stolen. Since then every account in my name has been tampered with and someone has been attempting to use my name and likeness continuously. I filed an identity theft report with the Federal Trade Commission and even filed a police report. I submitted all those documents including my proof of identity and proof of address to a 3 credit reporting agencies. Many of the accounts were permanently blocked, removed and deleted except for XXXX XXXX XXXX XXXX XXXX accounts. I want those accounts permanently blocked, removed, and deleted from my credit report immediately because it is only fair and reasonable. Please see attached notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I am making this complaint because there is a problem with the procedure used by XXXX XXXX, Experian, and XXXX to block information resulting from identity theft. I was a victim of a threatening crime where I was XXXX XXXX XXXX XXXX  and my wallet with my credit cards and other personal data was stolen. Since then every account in my name has been tampered with and someone has been attempting to use my name and likeness continuously. I filed an identity theft report with the Federal Trade Commission and even filed a police report. I submitted all those documents including my proof of identity and proof of address to a 3 credit reporting agencies. Many of the accounts were permanently blocked, removed and deleted except for XXXX XXXX XXXX XXXX XXXX accounts. I want those accounts permanently blocked, removed, and deleted from my credit report immediately because it is only fair and reasonable. Please see attached notice.

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 2025-01-13 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 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 XXXX XXXX XXXX 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! Delete 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 2025-01-13 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX a home I owned was foreclosed. 

XX/XX/XXXX, more than 7 years after the foreclosure, Newrez LLC XXXX Shellpoint Mortgage Servicing, reported a heloc, account # XXXX, for the foreclosed property on my credit, in the amount of {$3600.00}, showing payments 180 days late, including a last payment date of XX/XX/XXXX. I never had an account with this company, nor made any payments on this loan. 

This account was never reported on my credit prior to XXXX of XXXX. 

I have contacted Newrez XXXX Shellpoint, provided them with the Foreclosure Deed. However, they refuse to remove it from my credit, or to provide evidence of the payment they reported on my credit as made on XX/XX/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 2025-01-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion XXXX Department XXXX XXXX am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 non-monetary relief
Consumer complaint received 2025-01-13 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: MI

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

Company 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 2025-01-13 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: SC

Complaint narrative:
Experian is not doing a proper investigation on XXXX disputes Ive disputed the same XXXX negative items on my report at least 5 times and they come back verified in an hour! The XXXX negative items have been charge off or written off should have a XXXX balance but they show a balance Ive consistently ask them to report it fair and accurate according to Statue us 1681 that says according to the statue they are required to report it accurately and fairly! I disputed the same XXXX items last night XXXX and today they drop my credit score XXXX points today to get back at me for saying if they didnt remove the items I would contact cfpb!

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 2025-01-13 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This reporting is illegal and your company is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( TRUIST BANK ) making the report.

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( TRUIST BANK ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and I. 

Truist Bank, XXXX, XXXX and XXXX ) HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on 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 2025-01-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IL

Complaint narrative:
Someone placed a card skimmer on the ATM machine by my house and stole my debit card info and made fraudulent transactions with my debit card online on XXXX XXXX XXXX. I called the police and made a police report about the whole situation. 

I disputed it, emailed back a fraud questionnaire on XX/XX/year> and Direct Express is lying claiming I never mailed it back on XX/XX/XXXX. before the 10 day deadlone to recuev the provisional credit so therefore I'm not eligible for the provisional credit. 

Last week on XXXX XXXX XXXX Direct Express XXXX they will give me the provisional credit for the {$300.00}, gave it to me then reversed XXXX of the credits and took it back. They just had a class action lawsuit for mishandling fraudulent claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: CA

Complaint narrative:
The full amount of my auto loan was paid off a few months ago, but in my credit reports ( XXXX, XXXX, and XXXX ) I see it is not paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-13 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: PA

Complaint narrative:
I am filing this complaint to dispute several fraudulent accounts and collections appearing on my credit reports with XXXX, Equifax, and XXXX. The accounts in question include a XXXX XXXX  account ( {$790.00}, reported XXXX XXXX, XXXX ), a XXXX XXXX XXXXXXXX account XXXX {$0.00}, reported XXXX. XXXX, XXXX ), and a XXXX XXXX XXXX  ( {$870.00}, reported XXXX XXXX, XXXX ). These accounts were not opened or authorized by me, and I believe I am a victim of identity theft. I have already submitted dispute letters to the credit bureaus requesting an investigation and removal of these items. I am seeking the CFPBs assistance to ensure these fraudulent accounts are removed from my credit reports promptly, as they are negatively impacting my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I am filing this complaint to dispute several fraudulent accounts and collections appearing on my credit reports with XXXX, XXXX, and Experian. The accounts in question include a XXXX XXXX  account ( {$790.00}, reported XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX {$0.00}, reported XXXX. XXXX, XXXX ), and a XXXX XXXXXXXX XXXX ( {$870.00}, reported XXXX XXXX, XXXX ). These accounts were not opened or authorized by me, and I believe I am a victim of identity theft. I have already submitted dispute letters to the credit bureaus requesting an investigation and removal of these items. I am seeking the CFPBs assistance to ensure these fraudulent accounts are removed from my credit reports promptly, as they are negatively impacting my credit score and financial standing.

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 2025-01-13 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: Self Financial Inc.
State: VA

Complaint narrative:
I recently sent in a complaint in regards of an account from Self thats showing on my credit report thats very much fraudulent. They sent me a letter saying I opened the account on XX/XX/year> with dates showing when i allegedly stop paying on the account. However, they said I opened the account with a debit card ending in XXXX : I don't own any debit card ending with those digits nor have I ever. I would like proof of that card belonging to me.

Company response to consumer: Closed with explanation