vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX  XXXX XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; XXXX. A settlement agreement that I may retain for my records. 
XXXX. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
They are reporting incorrect information on credit report. They have failed to provide a through investigation and provide their claim. They have stated some accounts are correct but have yet to provide such.

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 2025-01-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau XXXX XXXX XXXX XXXX Representative XXXX I am writing to formally file a complaint regarding inaccurate and harmful credit reporting practices that have negatively impacted my credit score for over XXXX  years. These issues are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined in 15 U.S. Code 1681b, 1681n, and 1681o. 

Summary of Issues Repetitive Deletion and Re-Addition of Debt : The same debt, which I have repeatedly disputed as unverified, continues to be removed from my credit report only to be reinserted without proper notification or validation. 

Unverified and Duplicated Debts : The debt in question has never been substantiated, and on multiple occasions, it has been duplicated on my credit report, further damaging my creditworthiness. This is a violation of the FCRAs accuracy requirements. 

Long-Term Negative Impact : These practices have caused significant harm to my credit score and financial standing for decades, impeding my ability to secure credit, loans, and other financial opportunities. 

Relevant Legal Violations 15 U.S. Code 1681b : My report is being accessed and modified in ways that do not comply with permissible purposes or accurate reporting standards. 
15 U.S. Code 1681n : The repeated inaccuracies suggest willful noncompliance with the FCRA. 
15 U.S. Code 1681o : At the very least, these actions demonstrate negligent noncompliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau XXXX XXXX XXXX XXXX Representative XXXX I am writing to formally file a complaint regarding inaccurate and harmful credit reporting practices that have negatively impacted my credit score for over XXXX years. These issues are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined in 15 U.S. Code 1681b, 1681n, and 1681o. 

Summary of Issues Repetitive Deletion and Re-Addition of Debt : The same debt, which I have repeatedly disputed as unverified, continues to be removed from my credit report only to be reinserted without proper notification or validation. 

Unverified and Duplicated Debts : The debt in question has never been substantiated, and on multiple occasions, it has been duplicated on my credit report, further damaging my creditworthiness. This is a violation of the FCRAs accuracy requirements. 

Long-Term Negative Impact : These practices have caused significant harm to my credit score and financial standing for decades, impeding my ability to secure credit, loans, and other financial opportunities.

Relevant Legal Violations 15 U.S. Code 1681b : My report is being accessed and modified in ways that do not comply with permissible purposes or accurate reporting standards.

15 U.S. Code 1681n : The repeated inaccuracies suggest willful noncompliance with the FCRA.

15 U.S. Code 1681o : At the very least, these actions demonstrate negligent noncompliance with the law.

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 2025-01-10 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: TX

Complaint narrative:
i paid my XXXX XXXX in full of XXXX $ to the XXXX XXXX itself on the agreement that they would report it as paid in full with no negative remarks to my credit file which the conversation was recorded by XXXX themselves.i can not get XXXX to help me with it or XXXX themselves.The XXXX agent herself took the time to verify that it would be in agreement before we got off the phone.Well i received a negative mark on my credit file as paid in full with a charge off which will not come off for seven years now I believe XXXX went about it in the wrong process and didnt help me XXXX bit.

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 2025-01-09 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request to pursuant to FDCPA 809B ( 15 U.S.C. 1692g ( b ) ) and FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ). I am filing this complaint against XXXX XXXX XXXX XXXX XXXX violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX received my written request for debt validation regarding an account they are reporting on my Equifax credit report. I have proof of delivery via XXXX tracking ( attached ) as well as a domestic return receipt ( attached ). To date, XXXX XXXX XXXX XXXX XXXX has not responded to my request for validation, as required under FDCPA 809B 15 U.S.C. 1692g ( b ) of the FDCPA. Furthermore, despite their failure to validate the debt, they have continued to report and update this debt on my Equifax credit report, which constitutes a violation of the following : FDCPA Violation : Failing to cease collection activities until validation is provided FDCPA 809B ( 15 U.S.C. 1692g ( b ) ). FCRA Violations : Reporting inaccurate or unverified information to the credit bureaus 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ). Failing to investigate and verify the accuracy of the disputed information after receiving notice of my dispute 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ). The failure of XXXX XXXX XXXX XXXX XXXX to validate this debt and their continued reporting has caused significant stress and potential harm to my creditworthiness. It is imperative that these violations are addressed promptly and the account removed from my Equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I have reported issues to Experian, I have followed their requiered steps and they close the claim within a day. I truly believe they do not investigate the matter, which in result has affected my credit and also increased fees for me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX and continuing through XX/XX/XXXX, I was charged {$13.00} at a XXXXXXXX XXXX {$87.00} at a XXXX, {$190.00} at XXXX XXXX XXXX XXXX {$310.00} at a different XXXXXXXX XXXX XXXX {$20.00} at a restaurant called XXXX XXXX, and {$6.00} at XXXX XXXX XXXXXXXX XXXX I did not make these charges. Several of these happened while I was at work with the credit card in my possession. I watched the {$310.00} and the {$6.00} purchases go through live as I was on my phone on a break at work with the card in my possession. I then froze my account and later that night reported the fraud ( once I got off work ). I have now been told that the charges were all made with the chip on the card, and therefore there is not enough evidence of fraud and they are going to continue to charge me the total of {$640.00}. This is not possible. The card was in my possession while several of these charges several miles away from me were being made. 

I was told by the company that if I could find more evidence by contacting the businesses, they would look into it, but the businesses will only give more evidence to the company and not to the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: OH

Complaint narrative:
My account with EXPERIAN 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 XXXX days before the payment due date. 


EXPERIAN 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 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 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX notifying me of a XXXX points decrease in my credit score. To my surprise, the Wells Fargo Auto loan closed account and debt canceled ( {$0.00} balance ) reported two late payments between XX/XX/XXXX and XX/XX/XXXX. I received a letter, dated XX/XX/XXXX, from Wells Fargo Auto stating due to the age of the debt, the account is closed and debt cancelled, {$0.00} balance will be reported to the credit agencies. However, Wells Fargo continues to report late payments which is negatively impacting my credit score. I have opened disputes with XXXX regarding the status of the account and to my efforts no changes were made. I contacted and spoke with Wells Fargo on XX/XX/XXXX and was told that the account was officially closed on XX/XX/XXXX and although the letter I received from Wells Fargo stating they will no longer pursue collections that it will continue to report the debt to the credit agency. 

Wells Fargo is acting in an unfair consumer practice!

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 2025-01-09 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: NY

Complaint narrative:
I am a victim of a recent data breach and identity theft. As a result, several fraudulent accounts have been opened in my name without my knowledge or consent. I have discovered these accounts reported on my credit report, and I am requesting immediate action to resolve the issue and remove these fraudulent accounts from my credit file. 

The accounts that I have identified are as follows : XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # XXXX I have already taken the following actions : I filed a dispute with the credit bureaus, including Experian, and requested that they delete and block these fraudulent accounts from my credit file. 
I have attached an Affidavit of Identity Theft and other supporting documentation to verify my claim. 
I requested that these fraudulent accounts be removed within 4 business days, as required by the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). 
I contacted the relevant financial institutions to report the fraud and asked for the accounts to be closed. 
Despite these actions, the accounts remain on my credit report, and I have not received the timely resolution I am entitled to under the law.

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 2025-01-09 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 filing this complaint to dispute a late payment reported by XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-09 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 filing this complaint to dispute a late payment reported by XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my updated credit report there is some information that I consider to be inaccurate and incomplete that your company is reporting. I am sending this letter to your company to let you know that due to these errors and incomplete information you are reporting I am not able to find a better place for my family due to high mortgage.

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