vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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:
Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: KY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
This complaint is a part XXXX to my Ally Bank complaint. There have been new developments. Red flag number XXXX From XX/XX/year> through XX/XX/year> I spent roughly {$14000.00} at XXXX XXXX. I disputed these transactions, and was given just short of {$12000.00} in credit from XXXX, as well as provisional credits from Ally Bank. They are trying to claim that I was double credited, and have my account sitting at almost {$5000.00} in the negative. In that month and a half they used three different names to process these payments red flag number two. There was XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and lastly XXXX XXXX XXXX XXXX XXXX. It doesn't take alot of brain function to look at these transactions and conclude that I'm not playing XXXX XXXX for fun at my local arcade, especially when the mcc code used for these was XXXX, XXXX, as well as XXXX. On XX/XX/year> I paid for my auto insurance. This payment was presented to Ally Bank on XX/XX/year> while I had sufficient funds. I will attach a phone call with an Ally Bank supervisor where this is found and stated. On XX/XX/year> they informed XXXX that my account was closed and they would not honor the payment. Instead they sent me a check for almost {$900.00} that was the remainder of my balance on XX/XX/year>. They didn't have a problem funding offshore gambling, but must have taken a disliking to paying my insurance premiums? There was a hail storm on XX/XX/year>, and both of my vehicles that would have otherwise been covered were damaged. I am left with no coverage because they can't act responsibly. I have video of the storm from my surveillance cameras. It's to big to load here.

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 2024-10-05 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: WA

Complaint narrative:
I applied for a personal loan based off my credit. They asked if my car was paid off and I said yes. They wanted a copy of my title to show it was paid off. They then kept my title as collateral to make sure I paid the loan off. I told them I could send a copy but they said I had to send the original title. I was sent alot of paperwork to sign and with having learning XXXX. I'm also diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not understand that they'd taken my car title. I didn't understand why because my loan was based on my credit not my car. I wasn't able to understand what was really happening. They sent papers through docusign with places to sign my name. I did what they said and then when I called DMV in Alabama they said I had no liens on my car. I moved to XXXX Washington on XX/XX/year> and after a few days my son and tried to get my car registered but they would not provide a copy of my car title. On XX/XX/year>, they send a threatening email saying I need to give them power of attorney in the state of Washington before they'll send a copy of my title but I had to add them as power of attorney. My car title should not list them as lien holder because I didn't understand what they did when I did the personal loan and wanted my original title. I want my title back because it wasn't supposed to be used for them to be lien holders nor have power of attorney. I'm now in the process of trying to rescind this power of attorney because they have no legal grounds to deceive me into sending them my original title, nor have power of attorney. Please help me get my title back. They also won't let me cancel ACH payments. I've tried and they're giving me the run around.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover reported my payment as late back in XXXXXXXX XXXX XXXX. I called immediately as I had not received a single notice of the payment delinquency despite it being over 30 days late. They claimed that I was under paperless billing, but received no communication from them regarding this delinquency. 

After speaking with the agent and looking into things further, they confirmed that they had the incorrect personal information including my home address, which is what I had initially had my statements being sent to. They claimed that they don't send any correspondence regarding late payments, which the attached email proves incorrect. Before this I had never had payment history issues with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: DE

Complaint narrative:
I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible

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 2024-10-05 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: CA

Complaint narrative:
I WAS NEVER LATE ON THE PAID OFF ACCOUNTS SHOWN BELOW PLEASE SHOW ME DOCUMENTATION SHOWING PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING OF MY ACCOUNT IF YOU CAN NOT SUPPLY THESE PLEASE DELETE THIS ALLEFED LATE PAYMENT FROM MY CREDIT REPORTYOUR DISPUTE REASON SHOULD BE THAT THIS IS AN invalid late payment. FCRA ALLOWS XXXX DAYS FOR THIS TO BE RECTIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I WAS NEVER LATE ON THE PAID OFF ACCOUNTS SHOWN BELOW PLEASE SHOW ME DOCUMENTATION SHOWING PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING OF MY ACCOUNT IF YOU CAN NOT SUPPLY THESE PLEASE DELETE THIS ALLEFED LATE PAYMENT FROM MY CREDIT REPORTYOUR DISPUTE REASON SHOULD BE THAT THIS IS AN invalid late payment. FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED XXXX 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 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I have seen a XXXXXXXX XXXX XXXX car which is XXXXXXXX XXXX  in a XXXX XXXX. So the person lives in XXXX. I live in XXXX XXXX which is XXXX hr a part. So person who selling the car asked for XXXX USD for delivery. So I paid. Later they replied they didn't received. So he said to try XXXX and XXXX. I did. That person said my transaction was received. Again after sometime he said I need pay security deposit of XXXX and he gave other account. I made it. I made all transactions through XXXX transaction of XXXX, XXXX XXXX XXXX. Total - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: NC

Complaint narrative:
I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: FL

Complaint narrative:
There has been improper use of my credit. 
XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX Opened XX/XX/XXXX {$730.00} My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I want : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$490.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX Opened XX/XX/XXXX {$730.00} My information may have been impacted by the XXXX, XXXX and XXXX Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I want : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They are charging twice and deleting proof on transaction history

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 2024-10-05 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: TX

Complaint narrative:
Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unaddressed. These inaccuracies have had a profound impact on my life, causing significant emotional distress. I want to emphasize that I never authorized or consented to the inclusion of this information, as I am a victim of identity theft.

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 2024-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation