vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: KS

Complaint narrative:
XXXX, EQUIFAX, AND XXXX HAS FAILED TO COOPERATE WITH THE FCRA 16 CFR Part 681 TO REMOVE FRAUDULENT ACCOUNTS THAT HAVE BEEN REPORTED ON MY CREDIT REPORT THAT HAS BEEN REPORTED FROM FRAUD AND THAT HAS BEEN OPENED WITHOUT MY KNOWLEDGE. I HAVE ALREADY REACHED OUT CALLED NUMEROUS TIME WITH NO RESPONSE TO MY ORIGINAL DISPUTES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
I reviewed my credit report and found several billing discrepancies. The listed late payments do not align with my usual payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MI

Complaint narrative:
To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. Your lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not doing your job properly. Immediate action is imperative to resolve this issue ; otherwise, there could be serious consequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope that everything can become clear and correct itself without the need for intervention or escalation. 

XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MI

Complaint narrative:
LCI Consumer Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI XXXX, ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in question did not belong to me. 

Under code 15 USC CODE 1692g & 15 USC 15 USC 6802 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have never done with this debt collector, nor do I owe them any balance. I have never been in agreement to work with them. I have requested for this debt to be validated multiple times. When I submit a request, the company retaliates by adding derogatory comments or marks on my credit bring my score down lower. They have even deducted {$1.00} from the balance. There are various inaccuracies regarding dates across all XXXX bureaus. I am requesting evidence in the form of a signed agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I received a call from a number that showed up as being from a town in NC. Since I didnt recognize the number, I let it got to voicemail. I got a voicemail from a guy who said he was XXXX XXXX, and stated he was calling in regards to a client wanting to file a lawsuit against me. The number he left as a callback number was a number somewhere in Georgia. Out of curiosity, called the number and got voicemail. So then I called the number where he actually called from. After questioning him about the lawsuit, he claimed that some company ( I recall him mentioning the name of Citi or City- he never specified ) was wanting to file a lawsuit for {$13000.00}. He stated the original balance was somewhere just under {$5000.00}. With the line of questioning he gave me, this would have to be a debt in the excess of 20 years if it is legitimate. He never at any time disclosed who his employer or the name of his business was. He never gave the traditional this is an attempt to collect on a debt statement. As far as I can remember, I have never owed anyone that much money as unpaid for an reason. There is absolutely nothing on my credit report that would show a collectible debt of that amount. He did threaten me with legal action and that they would take my money by any means possible. I did some research on both of the phone numbers, and both came back as showing as being scam numbers. I also searched this guys name and found no association with any type of collection agency. I have screenshots of the voicemail, and my searches mentioned above. Also, when I refuted his claim, he started to get somewhat belligerent with me ( something that is very unprofessional of a collection agent ). The numbers he used was XXXX and 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  Auto Loans XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
This occurred with my Chime Checking account : On XX/XX/XXXX at XXXX XXXX  the amount of XXXX was charged from Chime checking account. The charge was listed as " XXXX XXXX XXXX '' and categorized as " XXXX '' I did not authorize this transaction nor did I have any idea where it came from. I was not alerted or messaged from Chime about this transaction. When I called Chime, they didn't have any real information for me. They couldn't tell me the bank/merchant who authorized this. 

Their best guess of what happened was that this was the result of an individual named XXXX XXXX who had sent money to me using the Chime " Pay Anyone '' function, then afterward filing a dispute for this transaction with her bank. 

This " Pay Anyone '' transaction had occurred a nearly a week prior on XX/XX/XXXX - XX/XX/XXXX This is when I'd mistakenly sent XXXX to XXXX using Chime 's " pay anyone '' without realizing it. Once I did, I was able to get in touch with her and she was able to return the XXXX using " pay anyone '' again. 

This " XXXX XXXX XXXX '' was not specified to be from XXXX XXXX but the total amount was the same. I am unclear if the representatives at Chime were just assuming XXXX disputed this because it was the same total amount. They really couldn't give me any information beyond what I was seeing. 

They recommended that I contact XXXX XXXX to see if she filed a dispute upon sending me money and why ; then told me to call Chime back and file a dispute ( depending on what she said ). When I reached XXXX, she denied having filed a dispute with her bank ( She could very well be lying ). 

So when I contacted Chime again, they said there was nothing they could do. Their hands were tied. I could not dispute this nor would the reimburse me for the money that was taken from my account. 

It is disturbing to me the lack of account security and information Chime had. That it would be possible for anyone who's previously sent me money to file a dispute and it would be automatically drafted my account no question. Without providing any sort of protection, validation, or notification of this transaction. Not only that, its extremely upsetting they would not even provide any attempt at a resolution. I called them twice to verify there was nothing they were going to do for me. 


Note : XXXX goes by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Received alert on creditwise that someone had been using my SS #. 
Name shown was : XXXX XXXX XXXX There were XXXX alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
When I withdraw cash ( {$5000.00} or less ) from my money market account the tellers ask what I am am doing with the money. I find this is a violation of my privacy and I have filed a complaint with the Credit Union. They have not given a valid reason for asking other then to say its preventing " money laundering '' and several other invalid excuses. One excuse was for " my protection ''. They have since stopped asking but never acknowledged the privacy violation. I find this practice extremely disturbing and makes me wonder how else are they violating my privacy in ways I don't yet know about?

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking at my credit report and noticed inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MO

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

EXPERIAN 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 2024-10-03 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: MO

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-10-03 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: PA

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-10-03 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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