vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am 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 three 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
Lexington was given access to my bank account and withdrew monthly payments to repair my credit and get a decent credit score. I was provided a copy of the things they claimed was on my credit and I took their word all the while they took my money and my score left me still in shambles. Needless to say I cancelled them and I started getting harassing phone calls to let them continue to help me. Ive moved since then and I now reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: John C. Heath, Attorney at Law, PLLC
State: WV

Complaint narrative:
I was paying Lexington Law for about a year and nothing really changed with my credit score! I am aware that they have a class law against them right now for the same issue

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

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit 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: Chime Financial Inc
State: NY

Complaint narrative:
I was returning to a family member house when I tried to use my card and noticed I didn't have it. I then noticed other charges trying to pull money from my account I stopped my card immediately called chime to report the issue all my cards were then stopped and I waited for decision and new cards for them to deny my claim because they have no evidence of me but still denied my claim and refuse to reopen or allow me to appeal the decision

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Violation of Fraud Reporting Regulations by Equifax Dear Sir/Madam, I am writing to file a formal complaint against Equifax for violating federal consumer protection laws related to the reporting of fraudulent activity. Specifically, Equifax has inaccurately reported late payments on my XXXXXXXX XXXX XXXX XXXX. account, which directly contradicts the legal framework governing permissible consumer reporting practices. 

Under 15 U.S. Code 1681b ( " Permissible Purposes of Consumer Reports '' ), a consumer reporting agency is permitted to furnish consumer reports only under specific, lawful circumstances. Furthermore, the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of transaction histories or experiences between the consumer and the person making the report unless explicitly authorized by the consumer. Reporting such transaction history, including the alleged late payments, without my written consent is illegal and a clear breach of federal law. 

The inaccurate reporting of late payments has adversely affected my creditworthiness and overall financial standing. This unauthorized and erroneous action by Equifax violates my rights as a consumer and causes undue harm, contrary to the FCRA 's objectives of fairness, accuracy, and privacy. 

I request the following : 1. Immediate investigation of the violation by Equifax.

Removal of the inaccurate late payments reported to XXXX XXXX XXXX, XXXX. from my credit file. 
Assurance that Equifax will comply with federal laws moving forward to prevent similar issues from occurring.

Please confirm receipt of this letter and provide updates regarding the investigation within 30 days, as required by the FCRA. 

I have included copies of relevant documentation, including my credit report and correspondence with Equifax. 

Thank you for your prompt attention to this matter. 

Sincerely,

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Violation of Fraud Reporting Regulations by Equifax Dear Sir/Madam, I am writing to file a formal complaint against Equifax for violating federal consumer protection laws related to the reporting of fraudulent activity. Specifically, Equifax has inaccurately reported late payments on my XXXX XXXX XXXX XXXX account, which directly contradicts the legal framework governing permissible consumer reporting practices.

Under 15 U.S. Code 1681b ( " Permissible Purposes of Consumer Reports '' ), a consumer reporting agency is permitted to furnish consumer reports only under specific, lawful circumstances. Furthermore, the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of transaction histories or experiences between the consumer and the person making the report unless explicitly authorized by the consumer. Reporting such transaction history, including the alleged late payments, without my written consent is illegal and a clear breach of federal law. 

The inaccurate reporting of late payments has adversely affected my creditworthiness and overall financial standing. This unauthorized and erroneous action by Equifax violates my rights as a consumer and causes undue harm, contrary to the FCRA 's objectives of fairness, accuracy, and privacy.

I request the following : 1. Immediate investigation of the violation by Equifax. 
Removal of the inaccurate late payments reported to XXXXXXXX XXXX XXXX XXXX. from my credit file. 
Assurance that Equifax will comply with federal laws moving forward to prevent similar issues from occurring.

Please confirm receipt of this letter and provide updates regarding the investigation within 30 days, as required by the FCRA.

I have included copies of relevant documentation, including my credit report and correspondence with Equifax.

Thank you for your prompt attention to this matter.

Sincerely,

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

Complaint narrative:
Experian is reporting this account Please see attached I am filing this complaint regarding the inaccurate and misleading reporting of my XXXX XXXX account ( Account # XXXX ). The account is reported as charged off with a balance of {$3000.00} and a past-due amount of {$3000.00}. However, this reporting is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which mandates accurate and complete reporting by furnishers.

A charge-off indicates the creditor has written off the debt as uncollectible. Reporting both a charge-off and a past-due balance is contradictory and unfairly impacts my credit. Additionally, this account was last updated in XX/XX/year>, but the information remains incorrect and incomplete. 

I am requesting that the CFPB investigate this issue and require the immediate deletion of this account from my credit report to ensure compliance with federal laws. The inaccurate reporting is causing undue harm to my credit score and financial stability. 

Thank you for your assistance in resolving 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 2024-12-27 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I lived in XXXX when it happened and it been a while, so I don't have the information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding an unauthorized credit card account opened by Capital One under my name. On XX/XX/year>, I received an email from Capital One informing me that I was approved for a QuickSilver credit card account and that the card would be arriving in 7-10 days. This action was taken without my consent or authorization. I did not apply for this card, nor did I authorize Capital One to pull my credit. 

On XX/XX/year>, I called Capital One at approximately XXXXXXXX XXXX and spoke with a representative named XXXX. During our conversation, XXXX explained that the card was opened by Capital One because of my good behavior with their savor card ( a Capital One product I had already owned ) this action was part of what he referred to as an XXXX program, implying that Capital One was acquiring new customers from another bank or some similar initiative. However, this explanation does not justify opening a credit card account in my name without explicit permission.

I believe this constitutes an unauthorized credit inquiry and account opening, both of which are violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I am concerned about the potential impact this could have on my credit score and personal financial security.

I request the Federal Trade Commissions assistance in addressing this issue. Specifically, I would like : 1. A thorough investigation into Capital Ones practices regarding unauthorized account openings.

2. The removal of any credit inquiries or accounts associated with this unauthorized action from my credit report.

3. Assurance that Capital One will take corrective actions to prevent such unauthorized actions in the future.

I am attaching all relevant documentation, including the email from Capital One and any communication records, for your reference. Please let me know if additional information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This credit reporting agency, have yet to fix the inaccuracies on my report. The spelling of my first name is incorrect, as Ive attached and certified mail to them. Also, they havent deleted an XXXX XXXX  account off of my report. Which was open XX/XX/XXXX its XX/XX/XXXX it been was suppose to fall off my report. I'm entitled to payment under the FDCPA for each infraction, and it's apparent that they broke my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This credit reporting agency, have yet to fix the inaccuracies on my report. The spelling of my first name is incorrect, as Ive attached and certified mail to them. Also, they havent deleted an XXXX XXXX  account off of my report. Which was open XX/XX/XXXX its XX/XX/XXXX it been was suppose to fall off my report. I'm entitled to payment under the FDCPA for each infraction, and it's apparent that they broke my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate and misleading reporting of my XXXX XXXX account ( Account # XXXX ). The account is listed as charged off with a balance of {$5600.00} and a past-due amount of {$5600.00}. This reporting is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires accurate and complete reporting by furnishers.

A charge-off indicates that the creditor has written off the debt as uncollectible. Reporting both a charge-off and a past-due balance is contradictory and unfairly impacts my credit profile. This discrepancy creates confusion regarding the status of the debt and is detrimental to my financial reputation.

Thank you for your attention and assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I contacted Ally Financial XX/XX/XXXX regarding my auto loan and was told I was 3 months behind, which I disputed. At the time I had been on a plan which I paid {$250.00} extra each month to cover delinquency. I called to set up a payment arrangement and was given a quote to pay {$980.00} by XX/XX/XXXX. I was also given the number of an agent that wasnt available. When I called, a recorded message said Ally was closed, despite the website stating M-Sat ; XXXX XXXX XXXX. I was finally able to reach someone Friday morning, XX/XX/XXXX. I was told to pay {$8000.00} ( estimated total ) by wire by XX/XX/XXXX or the car CAN be auctioned off after this date. I was also told to call to confirm before payment. When I went to the lot XX/XX/XXXX to get my personal possessions out of the car, I was told the car had been sent to auction 1-2 weeks ago. Ally intended to collect payment without returning the vehicle as they sent it to auction before the payment date. In my state, the car can not be sent to auction before 21 days. XX/XX/XXXX is the XXXX day and the car was taken from the lot well before the XXXX day. 

This is a violation of my rights and bad business practices. Now they have reported my account as if I had not paid since XX/XX/XXXX and have XXXX missed payments!

Company response to consumer: Closed with explanation