vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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/year> {$470.00} XXXX XXXX XXXX Opened XX/XX/year> {$1600.00} 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 Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 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. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIG FINANCIAL LLC
State: NV

Complaint narrative:
Account with CIG Financial was assumed by Autonation and then charged off/written off for {$14000.00} as of XX/XX/year> and I have yet to receive a 1099-c for debt cancellation. Creditor is still reporting this on my credit after Charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KS

Complaint narrative:
I have messages support numerous times asking why my account was closed they told me every single time they could not provide me with any information but that I could dispute it, I agreed and was told I would receive an email to dispute but it has been almost a month and I have not received anything. I messaged them again today XX/XX/year> the rep said they were going to look into my account and then immediately responded they couldn't not help yet again. I have spoke with management who told me they could not give me a reason. I am unable to even contact support because it now says I'm blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$XXXX} ( as of XX/XX/XXXX ) Monthly Payment : {$XXXX} Terms : XXXX  Months Highest Balance : N/A Late Payment Entries : XXXX  days late for multiple months as seen in the payment history for XXXX and XXXX Dispute Summary : I am writing to dispute the late payment entries listed on my XXXX XXXX XXXX account XXXX The account was reported as 30 days past due in my credit report on several occasions, and I believe these late payments were either inaccurately reported or the result of mishandling of due dates. I request that these late payments be removed from my credit report. 

I have never received a proper notice or adequate communication from XXXX XXXX XXXX about these late payments or missed due dates, nor have I consented to any actions that would justify these entries. 

Consumer Law Violations : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( Reinvestigations of Disputed Information ) : XXXX XXXX XXXX failed to correct these late payment entries after my dispute with them, in violation of the XXXX requirement to accurately report information to the credit reporting agencies. 
Section 1681e ( b ) ( Accuracy of Credit Report Information ) : The reported late payments violate the requirement for accurate reporting, as these do not reflect the true and accurate payment history for my account.

Section 1681s-2 ( b ) ( Duty of Furnishers of Information ) : XXXX XXXX XXXX XXXX not investigate or correct the inaccurate reporting after I disputed the payments. 
Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX or any third-party collectors failed to adhere to proper communication practices related to late payments and did not provide sufficient documentation to justify the alleged late payments, in violation of the XXXX XXXX of unfair and deceptive practices.

Truth in Lending Act ( TILA ) : Under TILA, creditors must clearly disclose payment terms and any late fees. XXXX XXXX XXXX did not properly inform me of any late fees or late payment implications, nor did they provide me with a clear notice of the consequences for late payments in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$XXXX} ( as of XX/XX/XXXX ) Monthly Payment : {$XXXX} Terms : XXXX  Months Highest Balance : N/A Late Payment Entries : 30 days late for multiple months as seen in the payment history for XXXX and XXXX Dispute Summary : I am writing to dispute the late payment entries listed on my XXXX XXXX XXXX account XXXX The account was reported as 30 days past due in my credit report on several occasions, and I believe these late payments were either inaccurately reported or the result of mishandling of due dates. I request that these late payments be removed from my credit report. 

I have never received a proper notice or adequate communication from XXXX XXXX XXXX about these late payments or missed due dates, nor have I consented to any actions that would justify these entries.

Consumer Law Violations : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( Reinvestigations of Disputed Information ) : XXXX XXXX XXXX failed to correct these late payment entries after my dispute with them, in violation of the FCRAs requirement to accurately report information to the credit reporting agencies.

Section 1681e ( b ) ( Accuracy of Credit Report Information ) : The reported late payments violate the requirement for accurate reporting, as these do not reflect the true and accurate payment history for my account.

Section 1681s-2 ( b ) ( Duty of Furnishers of Information ) : XXXX XXXX XXXX XXXX not investigate or correct the inaccurate reporting after I disputed the payments. 
Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX or any third-party collectors failed to adhere to proper communication practices related to late payments and did not provide sufficient documentation to justify the alleged late payments, in violation of the XXXX XXXX of unfair and deceptive practices. 
Truth in Lending Act ( TILA ) : Under TILA, creditors must clearly disclose payment terms and any late fees. XXXX XXXX XXXX did not properly inform me of any late fees or late payment implications, nor did they provide me with a clear notice of the consequences for late payments in accordance with the law.

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 2024-11-29 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: WA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-29 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: OR

Complaint narrative:
I recently submitted a request for investigation of the above noted account, 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 account 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 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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
It is on my credit report from XXXX XXXX recovery, I dispute through XXXX XXXX, in process right now. I dont know what is PORT FOLIO RECOVERY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, 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 this account. 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 ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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 am writing to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2024-11-29 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: AZ

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 accounts are even mine though your company claims to have verified these. 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 ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Kikoff Inc.
State: IL

Complaint narrative:
After closing my XXXX account on XXXX, my XXXX XXXX dropped sharply by XXXX points, which shouldnt affect it so significantly. I decided to close this account because I no longer find it useful. Maintaining it felt unnecessary and would only lead to additional costs, so I chose to prioritize financial efficiency. Dear XXXX finance team could you please dispute this action. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NC

Complaint narrative:
I reviewed my Consumer Credit Report and noticed that I had six late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: MoneyLion Inc.
State: OK

Complaint narrative:
I use to bank with MoneylionXXXXXXXX  ( XXXX. XXXX ). I got an XXXX  loan with them and switched to a different bank or prepaid debit card account when I had no money left everything I got my direct deposit because the XXXX  was charging more in repayment then then the amount was loaned through XXXX. They includef a program with it called XXXX XXXX saying that the XXXX XXXX  didn't have to be paid back. Which they did charge for the XXXX XXXX. So I switched and they took {$610.00} on XX/XX/year> from my new account after months of not taking the payment from my the account that was set up as the form of payment. I did not authorize them to take payment from my providers account now known as XXXX  associated with XXXX bank. account number ending in XXXX card ending in XXXXI did not give them permission to take payment from that account. The account that they were suppose to take it from was XXXX bank card ending in XXXX which is not connected or associated with my XXXX  account. I spoke with them to get the payment reversed or refunded and they said everything is computerized and they can not manually override the payment to be reversed or refunded. They gave false information about their XXXX  advance not only do they charge more then used you can only do {$100.00} at a time and they charge for every withdrawal of the {$100.00}. Instead of paying a one time fee and being able to withdraw available funds at once. They give 5 XXXX XXXX a month saying it never has to be repaid but yet they add it into what you owe in the repayment. I even filed a dispute with XXXX  but they are saying that the merchant had full and valid authorization which is incorrect. Plus your suppose to be able to reuse the XXXX  boost when it is paid back and they refuse to even give me that option. Upon XXXX  you don't get to use what is all repid either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX inquiry XXXX XX/XX/year> & XXXX inquiry Date XX/XX/year> 2024

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