vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Nordstrom keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report concerning an auto loan account. This account has several issues that I believe violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, which governs the accuracy and fairness of credit reporting. 

The specific issues are as follows : Incorrect Creditor Information : My credit report inaccurately lists United Auto XXXX as the original creditor for an auto loan with a balance of {$23000.00}. The correct original creditor is XXXX. 

Inaccurate Charge-Off Balance : United Auto XXXX is reporting a charge-off balance of {$18000.00}. This balance is incorrect. The charge-off balance should reflect the amount reported by XXXX. 

Duplicate Accounts : There are XXXX closed auto accounts listed on my credit report with incorrect dates. In reality, there should only be one account. This duplication is causing significant confusion and negatively impacting my credit score.

Fraudulent Account : The account in question was opened fraudulently in my name. The vehicle associated with this account was found wrecked by an individual named XXXX XXXX in XXXX, TX. 

In accordance with 15 U.S.C. 1681, I request the following actions : Address the Fraudulent Account : Investigate and resolve the fraudulent activity associated with this account.

Please inform me of any additional information required to facilitate these corrections. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies that are negatively affecting my ability to obtain credit. I am requesting your assistance in researching these items to ensure their accuracy. Additionally, I have identified accounts that I do not recognize and have never had. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Please find below the items I ask you to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It is my understanding that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 

I request that you : Investigate these accounts for accuracy and provide me with the results of your investigation. 
Provide copies of any documentation associated with these accounts that bears my signature, authorizing these accounts. 
In the absence of such documentation, immediately delete these accounts from my credit report. 
Please note that you have 30 days to complete this investigation, as per the FCRA section 611. I expect a response confirming the actions taken and the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report concerning an auto loan account. This account has several issues that I believe violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, which governs the accuracy and fairness of credit reporting. 

The specific issues are as follows : Incorrect Creditor Information : My credit report inaccurately lists XXXX XXXX XXXX as the original creditor for an auto loan with a balance of {$23000.00}. The correct original creditor is Santander. 

Inaccurate Charge-Off Balance : XXXX XXXX XXXX is reporting a charge-off balance of {$18000.00}. This balance is incorrect. The charge-off balance should reflect the amount reported by Santander. 

Duplicate Accounts : There are XXXX closed auto accounts listed on my credit report with incorrect dates. In reality, there should only be XXXX account. This duplication is causing significant confusion and negatively impacting my credit score.

Fraudulent Account : The account in question was opened fraudulently in my name. The vehicle associated with this account was found wrecked by an individual named XXXX XXXX in XXXX, TX. 

In accordance with 15 U.S.C. 1681, I request the following actions : Address the Fraudulent Account : Investigate and resolve the fraudulent activity associated with this account. 
Please inform me of any additional information required to facilitate these corrections. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: AL

Complaint narrative:
My accounts 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 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 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 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Bank Inquiry : XX/XX/XXXX These inquiries are reporting on my TransUnion an XXXX accounts

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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A company that I have an account with suffers a data breach, exposing my personal information such as my name, address, Social Security number, date of birth, and potentially even my financial information. 
I fell victim to a phishing attack where I inadvertently provide my personal information to a fraudster via a fake website or email. 
The fraudster collects my stolen information and decides to use it for fraudulent activities. They may create fake documents, like a driver 's license or utility bill, to appear more legitimate when applying for new accounts in my name. 
The fraudster applies for new credit cards using my name, Social Security number, and date of birth. They provide a different mailing address so that the credit cards are sent to them instead of me. Once the credit cards are issued, they begin making purchases and accruing debt in my name. Using my personal information, they open new bank accounts, which might be used to deposit and withdraw money or for money laundering purposes. They might also apply for personal loans, auto loans, or even mortgages using my information, leading to significant debt under my name.

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 2024-08-05 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: IL

Complaint narrative:
My account with those creditors 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 those account 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.

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 2024-08-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Bank Inquiry : XX/XX/XXXX These inquiries are reporting on my XXXX an Experian accounts

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 2024-08-05 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management harrassess me non stop even after speaking with them. I spoke with them and explained my situation. I am low income, on a housing program and can not afford to currently pay off any debts. I asked them to stop calling me at work. They refuse to listen to my request, and constantly call me while I am at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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:
My account with with those 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 those account 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently checked my credit report and I noticed that I have incorrect information on my credit report that needs to be updated and some items need to be removed because they are incorrect information. please update and remove incorrect items on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: MO

Complaint narrative:
I disputed the accuracy of an account been reported on my credit report. The account disputed was conserve. The credit bureaus came back and said that the account was reporting on my credit report accurately. On XX/XX/year> they received from me a request for there method of verification. The law clearly states that the credit bureau should provide me with this information within 15 days of me making such a request. More than 15 days have passed and they have not provided me with the information been requested which is a violation of my rights under the Fair Credit Reporting Act. It is my intention to sue for willful non-compliance under section FCRA 616 as there are violating my rights under the FCRA which clearly states and I quote, ''he right is found in the Fair Credit Reporting Act ( FCRA ) Section 611. It states A consumer reporting agency shall provide to a consumer a description referred to in paragraph 6Biii [ the section requiring reinvestigation ] by not later than 15 days after receiving a request from the consumer for that description. 
They have not provided me with the information requested and they have not deleted and so I have gotten a lawyer to prepare an intent to sue letter as the information been reported on my credit report is false.

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 2024-08-05 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-06 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-05 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Someone Fraudulently used my personal information to apply for numerous credit cards and auto loans

Company response to consumer: Closed with explanation