vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX a notarized certified letter was sent a letter to XXXX XXXX to verify that they provided me with the required XXXX disclosures. 
I was unaware of my right to opt-out of having my information shared, which directly led to a security breach on my personal identity impacting my credit report. 
At this point my information has been shared so much. I have over XXXX security breaches/inquires since XX/XX/XXXX when the lease for XXXX was signed. I have paid every amount onetime since the opening. When learning about this violation of my privacy because of this lease. Them not sending me the These forms at signing or at dispute request, as mandated by the XXXX, should have included : Privacy Notice : This document should have outlined your institution 's policies regarding the collection and sharing of my nonpublic personal information, explaining the types of information collected, how it is used, and under what circumstances it might be shared with third parties. 
Opt-Out Notice : This notice should have given me the opportunity to " opt out '' of having my nonpublic personal information shared with certain nonaffiliated third parties, with clear explanations on how to exercise this right. 
Safeguards Notice : This should have detailed the measures your institution takes to protect the security and confidentiality of my personal information. This could have been included in the privacy notice or as a separate document. 

I received none of these documents and my request is that this is removed from my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Wrong information into the credit Bureau Database please Removed bad information on all Debit card XXXX ) ) ) XXXX XXXX XXXX -// paid unpaid debt reporting wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: ND

Complaint narrative:
XXXX  Have received few dispute letter and police report they keep tell me it have been verified. My credit file have been freeze for more than 1 year. The collection company is Discover Bank. Amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
How is it possible to keep something on my credit that I never did. When I try to reach out to all three creditors they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was researching auto loans on Saturday and Sunday XX/XX/XXXX and XXXX. I was only researching to see if I can refinance my car at a better interest rate. On Monday XXXX XXXX I received to e-mails from XXXX XXXX about hard inquiries on my XXXX XXXX was XXXX XXXX XXXX XXXX and the other was XXXX XXXX. I never even went to those sites. I called XXXX XXXX and they opened an investigation and gave me a case # XXXX. They are suppose to get back to me. XXXX XXXX said they ran the credit check for a company called XXXX. XXXX from Autopay happened to call me on XX/XX/XXXX with a loan offer. I asked him why a credit check was run without my knowledge. He said I checked some little box. I told him I do not want the loan and I want the points put back on my score. He claims they can not reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX  - XXXX # XXXX - {$610.00} - The account does not belong to me. 
2. XXXX XXXX XXXX - acc # XXXX {$950.00} - The account does not belong to me. 
3. XXXX - acc # XXXX - $ XXXX incorrect information - The account does not belong to me. 
4. XXXX XXXX -acc # XXXX incorrect information - The account does not belong to me INCORRECT CREDIT Information : I am disputing the following information that is incorrect : 1XXXX XXXX XXXX  incorrect information- never late 2. XXXX - incorrect information - never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Credit Bureaus, I am writing to formally dispute the inaccurate reporting of late payments on my account with XXXX XXXX XXXX XXXX, as reflected in my credit report. My account number is XXXX. According to my records, and as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Extension Uniformity Act ( FCEUA ), I am entitled to ensure that only accurate and verifiable information is reported to the credit bureaus. I did not receive statements from XXXX XXXXXXXX XXXX XXXX  per FC

RA 15 U.S. Code 1666b. Late payments are considered transaction history, and transaction history is not permitted to be included within consumer reports per the FCRA. The disputed late payment ( s ) appear to have been reported inaccurately, and I believe this may be due to an error on your part. I respectfully request a thorough investigation into the following : Late Payment Date ( s ) : XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX 30 days late, and XXXX XXXX 60 days late. Explanation : Per 15 U.S. Code 1666b a statement was not mailed to me the consumer 21 days before payment was du
e to settle account balance. I have corresponded with XXXX XXXX XXXX XXXX about this matter multiple times and the errors have not been fix and or removed from my consumer report. 

The FCRA requires that inaccurate or incomplete information be corrected or removed from a consumers credit report within 30 days of receiving a dispute. Additionally, the FCEUA provides that you must fully investigate and verify the accuracy of any claim or report related to credit, and I request that you provide me with the findings of your investigation.

Please conduct a full review of my account and confirm that the late payment ( s ) were reported correctly. If you find that the late payments were indeed reported in error, I request that you promptly update the records with all credit reporting agencies to reflect the accurate status of my account.

I also request that you send me written confirmation of your findings and any action taken to rectify this matter. If you require any additional information or documentation from my side, please inform me at your earliest convenience.

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified by the FCRA and FCEUA. If this issue is not resolved in a timely and satisfactory manner, I may be forced to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Credit Bureaus, I am writing to formally dispute the inaccurate reporting of late payments on my account with XXXX XXXX XXXX XXXX, as reflected in my credit report. My account number is XXXX. According to my records, and as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Extension Uniformity Act ( FCEUA ), I am entitled to ensure that only accurate and verifiable information is reported to the credit bureaus. I did not receive statements from XXXX XXXXXXXX XXXX XXXX  per FC

RA 15 U.S. Code 1666b. Late payments are considered transaction history, and transaction history is not permitted to be included within consumer reports per the FCRA. The disputed late payment ( s ) appear to have been reported inaccurately, and I believe this may be due to an error on your part. I respectfully request a thorough investigation into the following : Late Payment Date ( s ) : XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX 30 days late, and XXXX XXXX 60 days late. Explanation : Per 15 U.S. Code 1666b a statement was not mailed to me the consumer 21 days before payment was du
e to settle account balance. I have corresponded with XXXX XXXX XXXX XXXX about this matter multiple times and the errors have not been fix and or removed from my consumer report. 

The FCRA requires that inaccurate or incomplete information be corrected or removed from a consumers credit report within 30 days of receiving a dispute. Additionally, the FCEUA provides that you must fully investigate and verify the accuracy of any claim or report related to credit, and I request that you provide me with the findings of your investigation.

Please conduct a full review of my account and confirm that the late payment ( s ) were reported correctly. If you find that the late payments were indeed reported in error, I request that you promptly update the records with all credit reporting agencies to reflect the accurate status of my account.

I also request that you send me written confirmation of your findings and any action taken to rectify this matter. If you require any additional information or documentation from my side, please inform me at your earliest convenience.

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified by the FCRA and FCEUA. If this issue is not resolved in a timely and satisfactory manner, I may be forced to pursue further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report regarding my XXXX XXXX account ( Account number xxxxxxxxxxxx XXXX ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I request an immediate investigation and correction of the following discrepancies : Incorrect Late Payment Reporting for XX/XX/year> : One credit report lists my XX/XX/year> payment as 60 days late, while another states it was only 30 days late. 
Per 12 CFR 1022.42 ( a ) and FCRA 611, furnishers must provide accurate and verifiable information. I request a correction or deletion of this inaccurate record.

Account Dispute Status Omitted on One Report : My account is currently under dispute, but one of my reports fails to indicate this.

Per FCRA 611 ( a ) ( 1 ) ( B ), disputed accounts must be flagged accordingly during the investigation. I request that this be updated immediately.

Inconsistent Payment History Reporting : Some months in my payment history are missing or displayed differently across reports.

Under FCRA 623 ( a ) ( 1 ), furnishers must ensure information is complete and accurate. 
I request that XXXX XXXX investigate these discrepancies and provide documentation verifying the accuracy of the reported information. If verification can not be provided, I demand the correction of these inaccuracies per the FCRA and 12 CFR Part 1022.

Please provide a written response confirming the resolution of this dispute within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ). 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates at your earliest convenience. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
The following account is not mine XXXX  Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
7. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information listed on my credit report as provided by your bureau. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable .Accounts in Dispute : XXXX XXXXXXXX XXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Paid Charge Off '' ) Payment Status : Reported as " Payment after charge off / collection '' - this is inaccurate as the account has been paid off. 
Last Reported Date : XX/XX/XXXX ( This is outdated and should be updated to reflect current status ) XXXX XXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Charged off as bad debt '' with accurate past due amounts ) Payment Status : Charged off as bad debt is misleading as I have made payments towards this account. 
Last Reported Date : XX/XX/XXXX ( This should be updated to reflect the most recent activity ) Capital One Account # : XXXX Account Status : Closed ( the status should indicate " Settled '' given the settlement accepted ) Payment Status : Reported as " Payment after charge off / collection '' which is misleading as it reflects negatively despite the settlement. 
Last Reported Date : XX/XX/XXXX ( Should reflect the current status ) FCRA Violations : The inaccuracies mentioned above constitute violations of the FCRA, specifically under 1681s-2, which requires furnishers to provide accurate information to credit reporting agencies. 
Additionally, under 1681i, I am entitled to an investigation of these disputes and a timely response. 

Compensation for Violations : Due to the inaccuracies and the potential harm to my creditworthiness, I am requesting compensation for the violations : XXXX XXXX XXXX : {$1000.00} ( inaccurate reporting ) XXXX XXXX : {$1000.00} ( failure to update account status ) Capital One : {$1000.00} ( misleading payment status ) In total, I am seeking {$3000.00} for the violations associated with these accounts.US Codes Referenced : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681i - Procedure in case of disputed accuracy I request that you investigate these matters and provide me with a corrected copy of my credit report reflecting the accurate information. Please complete your investigation within the 30-day timeframe as mandated by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX date XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief