vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2024-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I made a payment with NCB Management to satisfy a debt through XXXX XXXX  XXXX XXXX but I was not responsible for the debt so I need to be refunded for the payment made. I need to be refunded via check to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NM

Complaint narrative:
I want my loan and all my info because the ones I got have nothing

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 2024-11-24 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: MO

Complaint narrative:
On XX/XX/year>, I filled out a pre-approval application for a XXXX XXXX  credit card. I navigated to this through choosing the pre-approval button on a banner at the top of the screen, NOT the normal Apply button. The banner says " see if you're pre-approved ... without affecting your credit score '', as can be seen in an attached screenshot. This means no hard credit inquiry should occur, only a soft pull. 

However, after filling out the pre-approval form, I ended up receiving a hard credit inquiry on my Equifax credit report, and this supposed pre-approval application seemed to go through as an actual credit application. 

I then attempted disputing this inquiry with Equifax, but their website didn't allow for me to include the context and details of the dispute. The result suggested to reach out to XXXX Bank directly. I have attached the dispute result which seems to be a generic response when they don't have enough information. 

So I reached out to XXXX XXXX  customer support who suggested faxing XXXX XXXX  XXXX XXXX XXXX XXXX Dispute department with a set of information about the inquiry and why it should be removed. 

I sent the fax over a month ago on XX/XX/year> to inquire about getting this credit inquiry removed, but never received any contact or response to my fax. I have attached the fax confirmation and what was faxed as well. 

Finally, I attempted reaching out to XXXX XXXX 's executive office by sending an email to XXXX XXXX, XXXX XXXX XXXX on XX/XX/year> but also did not receive any sort of response. I have attached a copy of this email too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Different mortgage lenders checking my credit scores has taken it down to single digits!

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I spoke with USAA to establish the timeframe a credit dispute may occur, they assured me there was no time limit. I submitted information regarding disputed charges on XX/XX/year>. The timeframe stated to review documents is 48 hrs. I called and spoke with USAA on XX/XX/year> to determine the document status and why they had not been reviewed but USAA had begun to make determinations regarding the disputes. Again I communicated with USAA on XX/XX/year> as to why the documents had not been reviewed, I requested escalation to a supervisor or XXXX, I was met with hostility and resistance by the employee.

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 2024-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I made a payment with XXXX XXXX to satisfy a debt through XXXX XXXX  XXXX XXXX but I was not responsible for the debt so I need to be refunded for the payment made. I need to be refunded via check to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I can not access my transunion account online they are not sending me the verification email to get into my account and they don't have the correct phone number to text me the verification code. 

I also can not access my experian account online as i keep getting an internal error message.

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 2024-11-24 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2024-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX / XXXX XXXX  contracted with XXXX to collect my debt. On XX/XX/year>, the full amount was paid to XXXX. 

I contacted XXXX who assured me my credit report would be amended. The debt remains on my credit report as unpaid.

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Company wrote off balance as a tax break. Need to provide 1099C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I looked at my report from XX/XX/year> and noticed are still some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate the accounts listed below XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct.

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 2024-11-24 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: TX

Complaint narrative:
" I would like to request your kind assistance in verifying account number # XXXX, associated with the creditor XXXX XXXX XXXX which appears on my Equifax credit report. I would appreciate it if you could review this information and make any necessary corrections. Thank you very much for your time and attention. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC.
State: MO

Complaint narrative:
I am formally submitting a complaint regarding incorrect billing for my procedure on XX/XX/year>. 

Upon reviewing my invoices, I noticed the cost of the XXXX XXXX XXXX XXXX XXXX procedure increased from {$4800.00} to {$5500.00}. Additionally, I was charged a {$250.00} deposit for the XXXX, when it should have been an add-on to the XXXX  package, not a separate charge. I had informed your team that I wanted both the XXXX  and XXXX, which should have been included as part of a combined package. 

Given these issues, I am requesting a refund of {$4500.00}, which includes {$3700.00} for the XXXX package and {$720.00} for the overcharge on the XXXX  procedure ( {$5500.00} - {$4800.00} ). 

Additionally, I spoke with XXXX from the billing department on XX/XX/year>, but she hung up when I requested written proof and a detailed billing statement. I have also sent a text to her at ( XXXX ) XXXX, but have received no response. I have not received any further communication via email or mail. 

I submitted a written letter in early XXXX, but have not received a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
Dispute of Inaccurate Information Under FCRA Sections 605B, 623 ( a ) ( 6 ), and 15 U.S.C. 1681c-2 please view attachment for more detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Subject : Report of FCRA Violations by Equifax Dear Sir/Madam, I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. Specifically, I believe that Equifax has failed to comply with the provisions outlined in 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ( Late Payments are Transactions or Experiences ) Furthermore, according to 15 U.S.C. 1681a ( 2 ) ( I ), it is essential to note that a " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the reporting party. This indicates that Equifax has violated my rights by furnishing inaccurate information on my credit report without my written consent. 

I request that Equifax provide me with the original signed contract related to my account within five days of this letter 's date. If they are unable to provide this documentation, I demand the immediate removal of the account in question from my credit report. 

Additionally, I am uploading copies of Equifax 's credit report obtained from their app, along with another report from XXXX, for your review. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, Here is a copy of the stall letter I received stating they can't locate a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: LEXISNEXIS
State: KY

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute Regarding XXXX XXXX  Account Reporting Inaccuracies Complaint Details : I am filing a complaint against XXXX XXXX regarding significant inaccuracies and incomplete information in the reporting of my account, which has caused harm to my credit profile. Below are the details of my dispute : Account Details : Account Number : XXXX Date Opened : XX/XX/year> Original Loan Amount : {$21000.00} Status : Repossession ( Paid ) Type of Account : Installment Loan ( Auto ) Issues with the Reported Information : The account history contains conflicting payment details. Payment amounts are inconsistent ( {$0.00}, {$40.00}, and {$1000.00} ) across different months, and the reporting lacks a clear breakdown of how these payments were applied. 
The repossession status is reported as Paid, but there are no supporting details to clarify how or when this was resolved. 
Critical information, such as the " Date of Last Payment '' and " Date of Last Activity, '' is missing or incomplete, creating further confusion about the status of the account. 
The reporting terms ( biweekly payments, balloon payments ) are ambiguous and do not provide sufficient detail for verification. 
Negative Impact : These inaccuracies have adversely affected my credit score and led to difficulties obtaining credit. Additionally, I have experienced significant stress as a result of this misreporting. 
Actions Taken : I have attempted to resolve this matter directly with XXXX XXXX by requesting validation of the debt and a complete explanation of the accounts history. To date, I have not received a satisfactory response. The credit bureaus have also failed to resolve the discrepancies despite multiple disputes. 

Relief Sought : Removal or correction of all inaccurate and incomplete information related to this account from my credit report. 
A thorough investigation into the reporting practices of XXXX XXXX to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Any additional remedies or compensation as deemed appropriate by the CFPB. 
Supporting Documentation : I am attaching the following documents for your reference : Copies of my credit report highlighting the inaccuracies. 
Correspondence with XXXX XXXX and credit bureaus regarding this dispute. 
Any other relevant documents that provide evidence of the reporting errors. 
Thank you for addressing this matter promptly. I am confident that the CFPB will ensure compliance with consumer protection laws and resolve this issue effectively. 

Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX Phone:XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation