vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: RFNA, LP
State: FL

Complaint narrative:
On behalf of all Veterans and Retirees of the Greater State of Florida. Be advised that Republic Finance and XXXX XXXX are sending letters containing sensitive information on premade checks that can be cashed out by other person or persons that such transactions were not intended to. In addition these companies are lending amounts on an Annual Percentage Rate of 35.87 % to 35.99 % respectively as it refers to the above mentioned companies. In addition a full disclosure of the letters contained there in should be made available in the XXXX XXXX and any other languages with the full legal disclosure in order to prevent confusion and abuse of these at-risk communities and their families.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX - Opened on XX/XX/XXXXXXXX  Unauthorized Inquiries : XXXXXXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This information is not reported to the credit bureaus by the U.S. Bankruptcy Court and thus should not be on my credit file. As stated in the letter received from the U.S. Bankruptcy Court on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I got paperwork for collections XX/XX/XXXX. I called and was told I had 3 bills. I paid one off on the phone and setup payments on the other two bills. I asked for XXXX to go to the large bill, and XXXX to go to the smaller one. I had NO option but electronic ACH checks. I wanted debit card so that my money came out immediately. I was told I had to do electronic check. The money NEVER came out on the date I requested. In XX/XX/XXXX I accidently figured out that one of the payments coming out of my account by XXXX was taken out as the medical facility. When I saw this and never received any documentation I called them and asked for an itemized list of my bills and what payments where made. I hade to call multiple times and get upset with them to get anything and it is so vague. I talked to a rep at XXXX and he stated that he saw 4 bills on my account and the original one I set up for payments never had a payment applied to it all. I had another bill that had an XXXX credit on it. I asked for documentation of all these transactions. I asked why they were deducting an a check out of my account as if the were the facility and the gentleman said my account was set up wrong. I told them I was stopping all payments until they can prove where my payments are going and what these other 2 bills are. The gentleman couldn't stop the payments because of the way they where set up. The next guy was rude and even said the other gentleman at his company was wrong, new and didn't know what he was doing. I hung up and called my bank to dispute the payments as I got no answer form XXXX. My bank said the way the payments are set up they can't dispute even with the wrong payee and the only way to stop them from deducting is to close my account and open a new one. Fast forward I get serviced to go to court and I call and speak to XXXX again trying to get this taken care of and I was lied to on the phone. I was told that they do not add invoices without telling me. I said I was never told. Then she said that if the same medical facility has another invoice they can add that amount to the original one and the amount will go up and then she said as long as the amount I owe to include any new invoices is said on the phone call with me then I am notified. They can say an amount I disagreed with and not explain why and I have been notified. She said they have to send out a letter and a text and they say they did and that is notification as well. I got neither of these notifications.

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: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This response by Barclays Bank Delaware indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and Barclays Bank Delaware, or my non-public private information, to be furnished or published by Barclays Bank Delaware, its non-affiliated third parties, or any consumer credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and others. As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within 5 business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages. 

Furthermore, charged-off are income according to the IRS but Barclays Bank Delaware failed to send me 1099C using this deceptive tactic to continue to harm but also for their financial gains.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2024-12-06 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2024-12-06 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: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
During the months of XXXX and XXXX, XXXX  I was shopping for a new vehicle. I contacted XXXX on their website and looked at about 6 vehicles. XXXX advertises that they will make a 'soft check ' and they will tell you if they can finance you. On XX/XX/year> I purchased a used XXXX XXXX with financing through XXXX. I found out this month that I have five ( 5 ) inquiries on my credit report from Trans Union. XXXX sells cars for many private dealers and they were provided my information by XXXX. These independent XXXX XXXX ( 3 ) were provided my credit information which they then pulled my credit report resulting in ( 4 ) unauthorized inquiries. On XX/XX/XXXX I paid off the balance of the XXXX car loan purchase in cash, Yet my XXXX XXXX XXXX by now shows all these inquiries and has been the basis of a recent denial of revolving credit.

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 2024-12-06 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: CA

Complaint narrative:
XXXX abruptly canceled my credit card with no explanation via letter and mentioned account will be closed. The account was set up on auto payment, they failed to process the last payment and I never received any past due notice or calls that it was past due. 

I have a history with chase where they have cancelled by Business/Personal accounts without logical explanations. The account currently reflects a credit balance, which is confusing given their abruptly cancelation with zero explanation. This is wrongdoing to cancel accounts with no explanation and not collect final payment.

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 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses 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 XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-12-06 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses 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 XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

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: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
The consumer was the victim of identity theft, wherein CENTRAL PORTFOLIO CONTROL ( hereinafter referred to as " CPC '' ) furnished inaccurate information and made false representations to defraud and deceive the consumer in the amount of {$2200.00}, plus accrued interest. The consumer asserts that no consent, agreement, or services were ever made, authorized, or provided with CPC. Despite this, CPC falsely reported this alleged debt to credit reporting agencies, causing significant harm to the consumers creditworthiness, financial reputation, and overall well-being. 

CPC 's actions constitute a violation of the consumer 's rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by : Furnishing false and inaccurate information to credit reporting agencies. 
Failing to verify the legitimacy of the debt before reporting. 
Engaging in deceptive and fraudulent practices to collect an illegitimate debt. 
Causing undue financial and emotional distress to the consumer.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-06 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: Southern Auto Finance Co
State: CA

Complaint narrative:
Southern Auto Finance Company, XXXX access my credit file without my authorization. Southern Auto Finance Company, XXXX Place a fraudulent hard inquiry on my credit file. I do not do business with Southern Auto Finance Company, XXXX. I have not done business in the past with Southern Auto Finance Company XXXX XXXX. This hard inquiry is fraudulent.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: 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:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX  XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXXXXXX  Disputed Late Payments I noticed that two late payments are inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. The reporting of late payments is inaccurate and negatively affects my credit report. I am requesting that you confirm the account status remains " Paid As Agreed Never Late '' and ensure that no errors exist in your records. 
Request for Investigation and Documentation Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I kindly request : A detailed description of the investigation process used to verify this account 's information. 
Documentation of the evidence supporting the reporting of late payments. 
If you can not provide verifiable proof of the alleged late payments, I request that the account be updated to reflect its accurate status as " Paid As Agreed Never Late. '' Attachments For your convenience, I have included the following : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your prompt attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report includes unapproved hard inquiries, contrary to 15 USC 16c-2. These are incorrect and negatively impacting my credit. Please remove them without delay.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies regarding late payments. These do not reflect my typical payment habits. Kindly address these errors and update my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
The debt collector is attempting to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Education financial has used payment reversal multiple times on my account ending in XXXX when i have had sufficient funds and successful processing in the past. I have contacted XXXX XXXX and they have informed me the processing issue is not on their end. Education Financial successfully received my payment using checking account ending in XXXX on ( XXXX ). It reversed my lastest payment on ( XX/XX/year> ) as well as ( XXXX ). my account is now in delinquency. i also tried to enroll into autopay but EdFinancial wouldn't because of missed payments.

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: 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: MS

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 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 explanation