vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never done business XXXX XXXX, Ive never entered into a signed contract with this company. I REFUSE TO PAY THIS DEBT AS IT IDENTITY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: NV

Complaint narrative:
XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nv, XXXX Moneylion XXXX XXXX XXXX XXXX, UT, XXXX Subject : Request for Clarification on Loan Charge-Off and Rescission Rights under 15 U.S. Code 1635 Dear Moneylion, I am writing regarding the status of my loan account, specifically the recent charge-off notice. I would like to address my rights under 15 U.S. Code 1635, which pertains to the right of rescission under the Truth in Lending Act ( TILA ). 

This law provides borrowers the right to rescind certain loan agreements within three business days from the date of the transaction or the date of receiving required disclosures, whichever is later. Additionally, in cases where the necessary disclosures were not provided, the right to rescind may be extended up to three years from the transaction date.

To ensure compliance, I kindly request the following : 1. Full Disclosure Documents : A copy of the original loan agreement and all disclosures provided at the time of the loans initiation. 
2. Itemized Accounting : A detailed breakdown of the charges, interest, and payments associated with the loan.

3. Verification of Charge-Off : Documentation substantiating the charge-off, including the date and amount.

If disclosures were not properly provided as required by TILA, I may have grounds to rescind the loan agreement. Please review my account and provide clarification on this matter within the timeframe mandated by applicable laws. 

I look forward to your prompt response to resolve this issue amicably. Please direct all correspondence to the address listed above or contact me at XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-12-05 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: MI

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect.

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history.

Please update my credit report accordingly and provide me with a confirmation of these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect.

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: King of Credit Financial, Inc
State: UT

Complaint narrative:
I rented a car from Dollar Rent A Car at their XXXX location from XX/XX/XXXX to XX/XX/year>. Upon returning the car on XX/XX/year>, no damages were reported by the attending agent, and I was issued a receipt with no additional charges or remarks about damages. 

On XX/XX/year>, nearly three months later, I received a damage claim notice for {$1500.00}, which was dated XX/XX/year>. This significant delay in notification has caused unnecessary confusion and inconvenience. Despite my efforts to resolve the matter and request clarification, Dollar Rent A Car has not provided a reasonable explanation for the delay in notification or clear evidence that the damage occurred during my rental period. 

Additionally, the company has set an arbitrary payment deadline of XX/XX/year>, without addressing my concerns or responding adequately to my inquiries. I believe this behavior constitutes unfair business practices, as the delay has limited my ability to investigate or dispute the claim effectively.

I am requesting that Dollar Rent A Car either withdraw the damage claim due to the significant delay in notification or provide a full explanation for the timeline discrepancy and clear evidence supporting the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
XXXX XXXX XXXX, DENIED me a auto loan again based on " INVALID '' and " INCORRECT '' information that XXXX continues to keep posted on my Credit Report,. The fact that XXXX XXXX XXXX is a " 3rd party lender '' that works with individuals with bad and or poor credit speak volumes. The information that is being reported regarding my credit background history, -- is totally inaccurate.. 

I have filed previous CFPB complaints on each credit bureau ( OPENED ) and also XXXX attached the necessary documents, to prove " identity theft '', accounts " paid in full '', -- etc, this still does not make a difference. i.e. XXXX : XXXX XXXX and XXXX XXXX. Plus I have a FREEZE on all accounts, so who was XXXX XXXX XXXX able to get my information without knowledge or approval to life the frees? 

***Is there anyway that I can bring a lawsuit against these reporting agencies, for years of mis-representing and reporting my actual credit history information? Enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Minto Financial dba Minto Money
State: IN

Complaint narrative:
I called on XX/XX/year> to pay off my loan using my husband 's account. The loan payoff amount with interest was {$1000.00}. The agent told me that I could not use my husband 's account and that the money had to be paid off from the same account the it was deposited in to. I then called again XX/XX/year>. They stated that I could use my husband 's account as long as he was present. The interest was {$100.00} more. I asked for a sup. Spoke with XXXX who refused to even acknowledge the misinformation given on XXXX and never tried to provide a resolution. I was lied too, so I would have to pay more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was a victim of identity theft and Ive been disputing accounts for years now that they are suppose to be off now and results are in my favor XXXX wont update a XXXX thing and wont update my credit report Im sick and tired of it Im mentally having a breakdown and my XXXX  and XXXX is getting worst because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
On the XXXX XX/XX/2024 I entered into a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a XXXX XXXX XXXX. On the XXXX XXXX XXXX transferred the contract to Monterey Financial Services ( MFS ). The first two months ( XXXX XXXX the credit card payments were fine. Then for the next two months ( XXXX ) I was charged a " Cash Transaction '' fee for my monthly payment. 

MFS was aware that interest bearing accounts are not to be paid with an interest bearing card. However, banks had not enforced this process until XX/XX/2024. This is the reason I am being charged " Cash Transactions '' for my monthly payments to MFS. 

It was negligent on MFS part not to inform XXXX  of this fact. Had XXXX informed me that only " cash '' payments i.e. debit or checking accounts were the only acceptable forms of payment I would not have bought the service. 

MFS has offered to credit the two months of " Cash Transaction '' fees but want another form of payment for the loan. I did not sign a contract for cash payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, Experian, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by Experian showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report or police report ) * Identification of the disputed information * A statement from the consumer affirming the fraud.

2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes.

3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has send me a letter confirming that my account with the credit union is now reflecting my updated balance after payment. Unfortunately Experian and XXXX has not updated my credit report. This has caused my credit report to be 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 explanation