vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
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: OneMain Finance Corporation
State: NY

Complaint narrative:
Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am reaching out to bring to your attention a matter concerning the inaccurate reporting of late payments on my credit report, despite a prior agreement for their removal by the credit card company. 

The specific issue pertains to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card company has failed to honor its commitment to remove a 30-day late payment and a 60-day late payment from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), inaccurate or unverifiable information must be corrected or removed promptly. The credit card company 's non-compliance with the agreed-upon removal is a clear violation of this provision.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I have previously reached an agreement with the credit card company to have these late payments removed from my credit report, exercising my right under FCRA Section 611 ( a ) ( 1 ) ( A ) to dispute and correct inaccurate information. Despite the agreement, the late payments persist on my credit report, adversely impacting my creditworthiness. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt removal of the inaccurate late payments from my credit report. Enclosed with this letter, you will find documentation supporting the agreement for removal and any relevant correspondence with the credit card company. 

Your swift attention to this matter is crucial in rectifying the inaccurate credit reporting and alleviating the negative impact on my credit history. 

Thank you for your assistance and dedication to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: OH

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$140.00}

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
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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:
Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS ASAP : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-21 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: PR

Complaint narrative:
I review my consumer reports and noticed that I had four late payments on an account for which I was never late. Consumer reporting agencies play a crucial role and have the responsibility to report consumer information in the best possible way, with maximum accuracy. I have never been late on payments for the accounts included in the attached complaint with screenshots on the dates [ XX/XX/2019 ]. Please investigate and provide evidence with statements showing that these payments were made late. If proof can not be provided, I demand that these payments be updated as paid as agreed and on time, as I was never late. Thank you! Attached is a screenshot for your reference.

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 2024-02-21 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$9100.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance XXXX : {$2900.00} XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XX/XX/2022.

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 2024-02-21 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$2900.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I contacted Equifax XX/XX/XXXX regarding the reason the below credit card accounts were not being reported on my consumer credit report and the rep with Equifax advised me to contact the XXXX XXXX  because this. Thereafter, I submitted a complaint XXXX with CFPB in XX/XX/XXXX with a complaint toward XXXX XXXX  XXXX XXXX did respond to the complaint that in fact they are reporting all my credit accounts to Equifax and that I needed to reach out to Equifax to resolve this. This is still unresolved with my credit accounts are still not being reported by Equifax, inspite of all my accounts are being reported by XXXX and XXXX. 
XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am reporting a Fraudulent inquiries founding i my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. XXXX # XXXX, XXXX XXXX # XXXX # XXXXXXXX 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 XXXXXXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It Also states consumer reporting agency can not furnish your account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
The company lead me to believe that I would not have any additional payments on my loan since they were going to settle for a less amount, yet after they made a settlement, they continued to charge my account and report me to the credit bureaus for being late. They did not clearly explain that I had to still make payments. And all attempts to notify me of additional late payments were understood to be systematic given the nature of my communications with their team prior. I've tried to dispute this with the credit bureaus many times and have had many conversations with them but they refuse to share audio recordings of the phone conversations I had with their team to substantiate my claims otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NV

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
XXXX XXXX, XXXX ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX  ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested them to provide proof within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over 2 years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.

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 2024-02-21 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:
XXXX XXXX, XXXX  ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX  ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested them to provide proof within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over 2 years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
Hello, On XXXX2024 I found a used Laptop on XXXX XXXX I wanted to Purchase so sent a message to the seller to try to arrange a purchase. I asked them to send me a picture of my name on the screen of the laptop in word processor. They were able to send me a picture and the laptop in the picture they sent matched the description and the pictures in the for sale posting. I asked the seller what payment service they have and they indicated XXXX and XXXX XXXX. Since I regularly use XXXX we agreed to use it. The total cost of the used laptop and shipping came out to {$340.00}. So I asked the seller if it would be alright if I sent {$100.00} then, and after they shipped the laptop and provided a tracking number I would send the remaining {$240.00}. About an hour later the seller was able to send me a copy of the shipping label and told me they had dropped it off at the post office. At that time I sent the {$240.00} payment to complete the transaction and pay in full. The next morning of XXXX2024 I tried to track the package on the USPS website and there was no history of the USPS receiving any packages with that tracking number. I then opened XXXX messenger to ask the seller if there were any problems with the shipping, and I found out their XXXX account was completely deactivated. So I then immediately opened a dispute with XXXX, but their support was not any support for me unfortunately. I thought they would be able to track down the person that scammed me since I thought they had to verify users identity when opening an account on the XXXX platform. Even though I requested to speak to a real XXXX support representative, all of the responses I received seemed to come from an automated computer or something. I then called my WesBanco Bank, since the funds came from by checking account via their XXXX Debit Card. I though they would take Fraud and Scamming as a serious matter as they had when I was scammed in years past. That was not the case this time even though I took the time to provide documents for my case to prove I was scammed online and I never received the goods I purchased. As a XXXX debit card holder and a long time loyal WesBanco customer, I thought they would take time to at least look into the same since {$340.00} is a substantial amount of money. The bank representative said I would here back from them in about 10 business days. I happen to stop at my local WesBanco branch 2 days later and the case has already been closed without the chargeback crediting the amount of money I was scammed. I don't even know how they could conduct a thorough investigation on less than 2 business days, when in other instances it had taken about 10 business days. I'm very upset that they weren't able to take me being scammed and losing my money more serious.

Company response to consumer: Closed with explanation