vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Pursuant to 15 U.S.C 6802 which stipulates non-public consumer information ( including financial information ) shall not be disseminated to non-financial institutions. In the process of missed payments before the XXXX XXXX XXXX vehicle was recovered, Capital One Auto shared non-public information with a XXXX XXXX who never directly contacted me, but instead made multiple trips to my immediate family 's residence in Florida ( XXXX XXXX XXXX ). This individual would trespass on the property, leaving a card on vehicles parked outside the garage dwelling with my information. When I was finally able to reach said individual directly, he communicated to me that he stated " I know exactly where you are and where the vehicle is located '' as this information was true and reflected on insurance & Georgia registration. I do not recall any attempts or communication from Capital One to suggest a lower payment as a possible solution. The vehicle was housed in the open near my apartment dwelling, with open access to the ground daily before XXXX. My personal information was further disseminated to the tow company involved in the vehicle recovery. The associated fees are exaggerated because of Capital One Auto 's decision to exercise less than favorable methods for vehicle recovery and are passed on unknowingly to consumers. 

I am entitled to accuracy in my consumer report under 15 U.S.C. 1681. Capital One Auto charged off the debt for {$3800.00}, which means they have written it off as a financial loss to the IRS and a 1099-C issued. In light of such findings, it should not remain on my consumer reports.

I do not wish to receive further communications from Capital One Auto regarding the XXXX XXXX XXXX. Under 15 U.S.C. 1692 c ( c ) the consumer report is a medium of communication - further supported by the landmark case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) which states that a consumer report is a medium of communication. 


The processes XXXX by Capital One in the act of vehicle recovery/repossession is a direct violation of consumer rights and threat to my personal & informational safety, particularly if personal information is not stored in locked files, with restricted access, & safely destroyed in accordance with state / federal retention policies. Capital One can not also guarantee the criminal background of contractor ( s ) or the employees of a privately held company. Such tactics constitute abusive acts or practices and XXXX, emotionally & XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to request your assistance in addressing inaccurate late payment entries on my credit report. These entries are incorrect and do not accurately reflect my payment history. Despite efforts to resolve this directly with the creditor and credit reporting agencies, the issue remains unresolved. I kindly ask for your support in ensuring these inaccuracies are removed from my report promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
I have disputed the inaccurate reporting of the " XXXX XXXX XXXX  '' account with Experian and XXXX multiple times, yet it remains unresolved. This account is falsely reported as a mortgage, which it is not. It pertains to a timeshare product and has been misclassified as a secured real estate debt, which is factually incorrect. Despite providing sufficient evidence and filing multiple disputes, the credit bureau has not adequately investigated or corrected this error. XXXX XXXX XXXX has also failed to provide proper verification or documentation, violating the Fair Credit Reporting Act ( FCRA ). The continued presence of this erroneous account severely damages my credit profile, and Experian 's and XXXX 's lack of resolution reflects non-compliance with FCRA standards for accurate and substantiated reporting. This account is a clear Violation of my rights.

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 2024-12-11 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:
After reviewing my credit report, I found a few billing discrepancies. The listed late payments are inconsistent with my typical payment history. Kindly correct these mistakes and update my records.

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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX, CT XXXX Dear, I agree to pay the following financial obligation regarding Care Credit / Synchrony Financial account in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both Care Credit / Synchrony Financial AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Right

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 2024-12-11 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: AL

Complaint narrative:
XXXX XXXXXXXX XXXX has a credit inquiry on my credit profile that I did not authorize

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 2024-12-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Conn's, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I contacted XXXX. XXXX XXXX to resolve an outstanding debt. During this conversation, a representative verbally approved a settlement amount of {$690.00} to close my account. I explicitly asked multiple times whether this settlement would clear my debt entirely. Both the representative and their supervisor confirmed that it would. The payment of {$690.00} appeared on my bank statement on XX/XX/year>. I was assured that my account balance would update with XXXX by early XXXX and that I would receive both a letter and an email confirming a XXXX balance. 

As of XX/XX/year>, I have received neither the promised confirmation nor any acknowledgment of this settlement from XXXX. XXXX XXXX. 

In addition to my initial call on XX/XX/XXXX, I followed up on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, speaking with various representatives. I was repeatedly told that " the payment needs up to 30 days to reflect in their systems. '' On several of these calls, representatives claimed they could not locate the payment or showed differing account balances, such as {$1600.00}, {$2200.00}, or $ XXXX of which align with the terms of the settlement. 

Furthermore, on XX/XX/year>, I emailed XXXX. XXXX XXXX but have received no response. This lack of communication and inconsistent information directly contradicts the assurances I was given on XX/XX/XXXX. 

Adding to the issue, the XXXX credit report for this account remains inaccurate. It does not reflect the payment or updated balance. The report continues to show the remark " Consumer Disputes This Account Information, '' which I requested XXXX to remove on XX/XX/XXXX and XX/XX/year>. I was told this request would take 24 hours, but the remark remains on my report as of XX/XX/XXXX, with the disputes now marked " Closed '' without resolution. 

I am currently under contract for a home, and this unresolved issue is the sole obstacle blocking my FHA mortgage approval. XXXX. XXXX XXXX failure to honor its settlement terms, update my account, and provide promised documentation has caused significant financial and emotional hardship. This situation threatens to jeopardize my future home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX CONSUMER SOLUTIONS, AND EQUIFAX INFORMATION SERVICES, has violated the FCRA, by conducting a reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate1. The FCRA requires consumer reporting agencies ( CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate 4.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I filed a dispute with XXXX, XXXX, and Equifax regarding fraudulent accounts that had been reporting under my name and social security number that they maintain under a credit profile on XX/XX/year>. I filed another dispute XX/XX/year>, also addressing the accounts, by providing an Identity Theft statement, that outlines the accounts reporting. In the affidavit I made it clear that these are accounts are not transactions that I have been associated with, and that they were fraudulent. As of today, my dispute came back from XXXX stating that the XXXX account was verified. At this time the accounts from XXXX XXXX  account ( XXXX and XXXX  ( XXXX ) are not accounts authorized by me. I want the accounts removed from the credit reports that are maintained under my number. Failure to remove the accounts, will result in a lawsuit being filed against each credit reporting agency. I will attach verifying documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: DE

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

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

I demand the late payment reported in 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. 

XXXX AND 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! 

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 non-monetary relief
Consumer complaint received 2024-12-11 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: DE

Complaint narrative:
My account with XXXX AND XXXX was never late! I have had exceptional payment history witH capital one 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 in 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 purp
ose, 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. 

XXXX AND 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!

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 2024-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
There's accounts opened under my social security number through Wells Fargo, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  and I can't access any of these funds. Imsure there's more. They keep sending me cards with these agreements and fine print that I dont understand. I keep getting calls and emails from people requesting my information and ID to receive money. They pretend to be from the White House, I've had some from homeland security I screenshot majority of them.

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 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/year> JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN, XXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$26.00} XXXX XXXX XXXX Balance : {$26.00} XXXX XXXX XXXX Balance : {$26.00}

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