vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint to dispute the reporting of a charge-off from Capital One Auto Finance XXXX account number XXXX XXXX, on my credit report. I believe this information is inaccurate and/or unverifiable. As per the Fair Credit Reporting Act ( FCRA ), I have the following concerns : Inaccurate Reporting ( FCRA, Section 1681c ( a ) ( 4 ) ) : The charge-off from Capital One Auto Finance appears to be incorrect. Under the FCRA, credit information must be reported accurately, and charge-offs should not remain on my credit report for more than seven years from the date of the first delinquency that led to the charge-off. I believe this charge-off is inaccurately reported and should be removed.

Lack of Verification ( FCRA, Section 1681i ) : I have disputed this charge-off and requested verification from Capital One Auto Finance and the credit reporting agencies, but no sufficient documentation has been provided to verify the debt. As mandated by the FCRA, if the creditor can not verify the debt within 30 days of my dispute, the charge-off must be removed from my report. 
Failure to Correct Inaccurate Information ( FCRA, Section 1681s-2 ) : Capital One Auto Finance , as the furnisher of this information, has a legal obligation to report accurate data to the credit bureaus. Since this charge-off has been reported inaccurately, I am requesting that it be corrected or removed in compliance with the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the inaccurate charge-off from Capital One Auto Finance is either verified or promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I discovered four unauthorized hard inquiries on my Equifax credit report from XXXXXXXX XXXX XXXX XXXXXXXX, which led me to believe I was a victim of identity theft. None of those hard inquiries had resulted in opening any new accounts luckily. I promptly filed a dispute with Equifax to have these inquiries removed from my report. Unfortunately, Equifax mistakenly flagged two of my legitimate XXXX XXXX credit card accounts ( XXXX ending in XXXX and XXXX ending in XXXX ) as fraudulent accounts and subsequently reported them as such. 

As a result of this error, XXXX XXXX closed both of my credit card accounts, which I have held in good standing since XXXX & XXXX respectively.I immediately contacted both XXXX XXXX and Equifax both via phone and in writing to resolve this issue, as it was a clear mistake and has negatively impacted my financial standing and credit score. 

Despite my efforts to explain the situation to both companies and provide them with documentation proving that these accounts are legitimate, neither Equifax nor XXXX XXXX has resolved the issue. Equifax continues to list the accounts as fraudulent, and XXXX XXXX refuses to reinstate my accounts, citing the credit report from Equifax. 

This error has caused me significant inconvenience, financial strain, and potential harm to my creditworthiness. The decision to close those two accounts by XXXX XXXX effectively removed {$42000.00} of my total revolving available credit limit ( Almost 40 % of of my total available limit ), which had very negative consequences on my credit score and history. I am seeking assistance in correcting this mistake, reinstating my XXXX XXXX accounts, and ensuring my credit report accurately reflects the legitimacy of these accounts. I've attached the XXXX letters that I sent in writing to both XXXX XXXX and Equifax below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Please response to these Laws and Regulations since American Express follow 's all laws 15 USC 1691 ( c ) 15 USC 1692 ( k ) 15 USC 1642, 15 USC 1681 ( m ), 12 CFR 1002 I the consumer made an application in good faith but credit was not issued. 15 USC 1602 ( i ) mY SOCIAL SECURITY NUMBER WHICH ACCORDING TO 15 USC 1602 ( i ) is defined as a credit card was used and i received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) 15 USC 1681 ( n ) 15 USC 1681 ( O ). You responded with the same answer. American Express is clearly not following laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX on XX/XX/XXXX stating that an account was in collections in my name from Comenity Bank for {$610.00}. I contacted the bank, since I'd never heard of them nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXX with my name living in another state. It was paid on a couple of times before Comenity sold it to XXXX XXXX for non-payment. I was told that I had to state my case solely with XXXX XXXX. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. Comenity Bank placed a delinquent account on my credit report and say they can't remove it because they sold the account to XXXX XXXX. XXXX says they can't remove it because they didn't place it. I have many complaints about this with XXXX and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from XXXX XXXX XXXX stating that this isn't my responsibility. I want this fraudulent information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ever since XX/XX/XXXX My payments have not been showing up on my Equifax Credit Report. But before that they were showing up and all of a sudden my XXXX XXXX account disappeared form Equifax. I have had my XXXX Account since XXXX of XXXX and my account is on Good standing and has been since I got my account. Both XXXX and XXXX have my XXXXXXXX XXXX  account on their Credit reports. This is affecting my Credit and my Credit Score which I feel is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported to be removed/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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: OK

Complaint narrative:
I had a home loan through XXXX XXXX  it states through their records and my personal bank statements that I was 30 days late in XXXX and XXXX of 2023. Have verified XXXX, but on equifax, transunion and one other showing dates for XXXX, XXXX, XXXX and XXXX were late. XXXX and XXXX has even been taken off of advantage credits reports once taking a XXXX wall call and verifying. 

XXXX and transunion stated they needed a statement or something from XXXXXXXX XXXX  stating which months I was late and to confirm XXXX and XXXX were not late, they obliged and sent a statement and record of payments attached ( as well as we attached my bank statements ) with my name and info attached in XXXX XXXX statement verifying it was me. These credit bureaus said that that was not enough, rocket mortgage cant give me anything else further to give to the credit bureaus. Im basically battling them for them to do their job and report accurately so I can buy a home.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
I had a home loan through rocket mortgage, it states through their records and my personal bank statements that I was 30 days late in XXXX and XXXX of 2023. Have verified XXXX, but on XXXX XXXXXXXX and one other showing dates for XXXX, XXXX, XXXX and XXXX were late. XXXX and XXXX has even been taken off of advantage credits reports once taking a XXXX wall call and verifying. 

XXXX and XXXX stated they needed a statement or something from Rocket mortgage stating which months I was late and to confirm XXXX and XXXX were not late, they obliged and sent a statement and record of payments attached ( as well as we attached my bank statements ) with my name and info attached in rocket mortgages statement verifying it was me. These credit bureaus said that that was not enough, rocket mortgage cant give me anything else further to give to the credit bureaus. Im basically battling them for them to do their job and report accurately so I can buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will reassess the validity of these items with the creditor responsible for their inclusion. Please eliminate any information that the creditor fails to substantiate. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you send notifications of any corrections made to anyone who obtained my credit report within the past XXXX months. 

Thank you for your attention and 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 non-monetary relief
Consumer complaint received 2024-10-15 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: OH

Complaint narrative:
Identity was stolen and consumer report is reporting the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

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

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

I demand the late payment reported 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 2024-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XX/XX/year> Navient Finance Service XXXX XXXX XXXX, XXXX, PA CERTIFIED MAIL, RETURN RECEIPT Account : XXXX Tuition Answer To Whom it may concern : I am sending this letter in regard to the servicer referenced above to inform you all that I am disputing this debt. This account isnt mine, that isnt my name, date of birth, social security number, school or address. 

Navient, please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because the account is fraud. Since I am disputing this debt in question, please remove this report it to the three credit reporting agencies. I am requesting that you please contact the three credit reporting agencies, letting them know the debt is disputed, and kindly ask them to delete it from my credit report. As you are aware, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Lastly, please make notice that I do not wish to receive further telephone calls or letters, harassing me concerning this debt that is inaccurate. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your quick attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Just recently i seen a hard inquiry on my credit report from a company Ive never even shopped at nor applied for a credit card at. I would like this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-15 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: FL

Complaint narrative:
There are 2 late payments on my credit report, and I have always had my accounts on time and up to date

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 2024-10-15 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:
There are 2 late payments on my credit report, and I have always had my accounts on time and up to date

Company response to consumer: Closed with explanation