vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the mortgage account XXXX XXXX XXXX XXXX XXXX XXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. I believe this inaccuracy is adversely affecting my credit report. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy.

Furthermore, you are reporting a late payment on this account for XX/XX/year>, which is incorrect. I was not late on [ XXXX XXXX ]. I request that you verify the information and update the payment history on this account as " PAID, NEVER LATE '' immediately.

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.

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 2025-01-06 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I got a title loan with this company and paid my first monthly payment in person, set uo online payments layer to pay TWO payments in one month, before the due date, to get ahead of interest. Turns out they have been illegally overcharging me interest on BOTH monthly payments, for both loans, the entire time. They had originally accessed me of missing a payment when my banking institution erroneously told them my account was closed. Took a few months but my bank sent them a certified letter ADMITTING THEIR MISTAKE and one main got to keep every single XXXX, all late fees and penalties and everything was back to how it was supposed to be, aside from my consumer rights being violated and them keeping mkney they weren't entitled to when told it was a mistake by a BANK. But anyway, later they decided that my insurance was suddenly not ok, after YEARS of it not being a problem and they added gap insurance without my consent or permission. Once I proved they ILLEGALLY DORECTED ME TOWARDS THE WRONG INSURANCE REPEATWDLY ON REDORDED LINES, they canceled the illegal insurance and supposedly refunded the fraudulent excess charges ... never saw a change in my balance though so they didn't credit a thing and kept it all. 

NOW I FOUND OUT THEY ARE CHARGING ME {$100.00} PER PAYMENT every month, for all months of all loans. They are also falsely accessing me of being late on these statements... again, I paid up front for each signing and then set the double monthly payments up later, to beat interest. They have manipulated the system to predatory steal {$200.00} a month from my {$570.00} a month payment, by charging {$100.00} interest on the XXXX, and {$99.00} on the XXXX. So my interest rate is less than 18 % and they are robbing nearly 25 % in interest fees, for XXXX?!?! And they threw hissy fits over a banks mistake that cost them delayed 3 months? They have kept ALL THOSE ILL GOTTEN GAINS EVERY TIME and are still robbing me XXXX? 

HOW ARE THESE CRIMINALS STILL ALLOWED TO DO BUSINESS OR WALK FREELY???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax did a change in XXXX of my XXXX XXXX. They dropped my credit limit in a way so exaggerated that destroyed my credit score. I made a complaint against XXXX and they said that it's equifax who is responsible for that. I'm XXXX y/o and that affects not only my credit score but my reputation andmymentalpeace. I've never missed a payment. Always paying on time. I have a salary raise short time before equifax destroyed my credit with that abusive action. At this time in my life I'm not to treated that way. It's abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Lineberger Groggan Blair & Sampson LLC  XXXX XXXX  and XXXX XXXX XXXX I received a letter requesting payment for a {$540.00}. When I contacted the XXXX XXXX and requested reason and date of debt I was told That I would get the information after I gave them my credit card number. the letter dated XX/XX/XXXX said I had 30 days to pay or they would give it to CA State Franchise Tax Board. I checked the XXXX XXXX web site and it said no current case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IN

Complaint narrative:
This is a continuation of COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer ( EdFinancial Services ). 

ACCT # XXXX I have received a notice dated XX/XX/XXXX that I will not receive my overpayment refund of {$1100.00} until EdFinancial gets the money back from a canceled check. I checked the Internet and it said that, although it may take a couple of weeks to issue a new check, it is not normal practice to fail to issue a new check after a stop on an uncashed check. The Internet said that EdFinancial 's actions are considered improper, as it would be denying the recipient access to the funds of a rightful payment. It also said the refund check is considered a check and not a money order, so there is no lost cash and no funds to get back. On XX/XX/XXXX, I was told on the phone that I would receive the check within 7-10 days. 

I am filing another complaint because on XX/XX/XXXX, I asked EdFinancial about the check and I informed EdFinancial that I would file another complaint if they did not provide the refund check. On XX/XX/XXXX, XXXX responded via email as indicated below. They are going back to the no particular time frame argument. It has been over 7 months now and they keep providing excuses. 

Hello XXXX, Thank you for contacting Edfinancial Services. According to your account, the request to cancel the check was received on XX/XX/XXXX. We are still waiting for the new check to be created and sent. Please remember there is no particular time frame in this process. We do appreciate your patience. 

Thank you, XXXX Edfinancial Services XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over 30 days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
Heres a sample letter you can use to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit bureaus failure to verify or investigate a disputed debt : [ Your Name ] [ Your Address ] [ City, State, ZIP ] [ Phone Number ] [ Email Address ] Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Credit Bureau Failure to Verify or Investigate Disputed Debt To Whom It May Concern : I am writing to file a complaint against Experian regarding their failure to verify or properly investigate a debt I disputed under my rights granted by the Fair Credit Reporting Act ( FCRA ).

On [ date of your initial dispute ], I submitted a formal dispute to Experian regarding an inaccurate debt reported under account number [ specific account number ]. I provided detailed information and supporting documentation to demonstrate that this debt is inaccurate and requested that the bureau verify or remove the debt as required by law.

Despite their legal obligation to investigate and respond within 30 days, Experian has failed to : 1. Verify the accuracy of the debt with the creditor ; 2. Provide sufficient evidence supporting the validity of the debt ; 3. Remove the inaccurate information from my credit report.

This lack of compliance with FCRA standards has caused harm to my credit standing and financial well-being, including [ describe any harm, such as denial of credit, higher interest rates, or emotional distress ].

I am requesting the CFPB to : 1. Investigate this matter thoroughly ; 2. Hold [ Name of Credit Bureau ( s ) ] accountable for failing to fulfill their legal obligations ; 3. Ensure the removal of this inaccurate information from my credit Thank you for your assistance in resolving this matter. Please feel free to contact me at [ your phone number ] or [ your email address ] if further information is needed. 

Sincerely, 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 2025-01-06 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: MN

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 explanation
Consumer complaint received 2025-01-06 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-06 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: PA

Complaint narrative:
My credit information was used in a data breach. How do I get removed 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 2025-01-06 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have been receiving phone calls, all from different numbers with false caller Ids. Todays call was supposedly from XXXX XXXX XXXX. 
When I answer they say their name and ask for me. I ask whos calling and they say their name again and ask for me. I ask what company are they calling from and theyll just ask for me again. I tell them we can not proceed until I know who they are calling for. Theyll either say theyll try back again and hang up or theyll say theyre calling from HRRG . When I ask what HRRG stands for theyll just ask for me again. When I tell them they are legally required to identify themselves theyll either 1 ) hang up 2 ) say I told you HRRG or 3 ) ask for me again but never will they tell me who their company is.

In this day and age Im not about to just start giving out personal info to a stranger who calls ESPECIALLY one that hides behind fake caller IDs and keeps switching their phone numbers. They say HRRG is the name of the company but thats a lie. I know its Healthcare Revenue Recovery Group but Im not cooperating until thru follow the law and identify themselves as a debt recovery company. Besides the fact XXXX dont have any healthcare debt Im sick of companies just breaking the law and getting away with it and continually harassing me with these calls. If their business is legit then they should have no problem identifying who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
I applied for a auto loan with XXXX XXXX got approved. Purchase my vehicle to later find on my credit report companies that were not authorized to use my name or social security number at any point. These inquires where done over 9 to 10 times in a two day spand according to my reports. This is inaccurate reporting in my credit report and im pacting toward my credit score. My score was good when I bought my car and put down XXXX I didn't authorized no other financial company other than XXXX. This needs to be fixed plese.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

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 2025-01-06 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: CO

Complaint narrative:
I applied for a auto lease from XXXX XXXX on XX/XX/XXXX with my business XXXX XXXX XXXX XXXXXXXX ). I was approved for a XXXX XXXX XXXX and right away I noticed that my credit report had been ran multiple times. I immediately contacted the dealer and was informed by the dealer that they would take care of it and request to have the extra inquire deleted. I have this response in an email. The next day XXXX, when I checked my credit report there was another inquiry added to my report for the same transaction. I contacted the dealership immediately and reiterated that I only requested to apply through XXXX and should only have XXXX inquiry on my credit report. I was assured that this too would be taking care of and removed. 

After contacting TransUnion on Thursday, XX/XX/XXXX, The representative advised that I needed to contact the FTC for a Letter of Deletion. After visiting the FTC website I was directed to the CFPB for submission and completion of this issue. 

I am requesting for all but XXXX of the inquiries placed by XXXX XXXX of XXXX, XXXX  to be deleted 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 2025-01-06 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 have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX

Company response to consumer: Closed with explanation