vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
Hello : I took out a line of credit from the company Credit Fresh thinking it would be like any other credit card in XXXX of 2023 for repairs to our home. I was very suprised when the company began to bill me on different dates of the month twice a month. The company refused to allow me to pick the date I could pay once I initally filled out my loan paperwork. The company 's website for payments is very vague. The company bills you lots of fees twice a month and it feels like you can never pay the balance down. If I had known that the company bills fees twice a month ( XXXX $ XXXX payments! ) I would never have signed up for this credit line. It feels like I am trapped and I can not get ahead to pay down the balance. I think it should be illegal for credit companies to charge you twice monthly with lots of fees and change the dates of your due dates on you. Sometimes they charge me before I get my paycheck. The website is so vague it is impossible to know if I'm making a dent in my balance. This company should be required to only charge a small fee and customers should only be required to pay an affordable amount that helps pay down their balance once a month, not a $ XXXX a month in payments for a {$4000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
Account number # XXXX First and foremost, I want to thank the agent that helped me out last month when my problems were at their worst. She was very professional, reassured me that everything would be ok. She really helped keep me calm. I can not remember her name now, but she was a guardian angel indeed.

Now to the issue at hand. Over the last few months I've had to have the XXXX XXXX XXXX repaired not once, but twice, costing me about XXXX dollars each. The latest repair was to the oil pump sensor and the o2 sensors. I called them each and every time and tried my best to stay as current as possible, and keep up with my end of the responsibility of communicating with them. Most recently, I made XXXX payments in the amount of {$220.00} and {$250.00} respectively to keep the account as close to current as I could. XXXX trying to see where I am this week with things so I can figure out the rest but its been difficult. 

A few days ago I got XXXX separate letters, XXXX a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE a CO-SIGNERS NOTICE OF RIGHT TO CURE, the second of which was addressed to my spouse. Strangely dated for XX/XX/XXXX and I didn't get either til XX/XX/XXXX, leaving me little time to act. Both had different amounts on them and stated XXXX different actions if I didn't do anything, which is what prompted me to call and make the {$250.00} payment and let them know of my intentions. The agent I spoke too asked me what the letters said and told me they were automatically generated, to disregard them, and that as long as I was calling them and trying to make arrangements they'd always work with me. But why send me XXXX different letters with XXXX different verbiage???? 

I am trying my best despite my financial challenges the last few months to keep up, and I've kept up with my end of communicating. I have an XXXX XXXX that requires transportation to day care daily and need to hold on to the car and not risk repossession. My spouse also does not work for this reason at this time and is trying to find something that works. They say I'm out of extensions, but sometimes emergencies just happen and more often to some people.

I'd love if they can work out a break or an emergency extension of some sorts for me and my family, but they seem unwilling to with these 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 2024-03-31 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: PA

Complaint narrative:
I am writing to formally complain to Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results and Equifax has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: NJ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( TransUnion ) ; Not specified ( XXXX ) ; Not specified ( XXXX ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While TransUnion denotes the account 's closure as transpiring on XX/XX/XXXX, XXXX and XXXX fail to specify a definitive closure date. 
* Varied Payment History Reporting : * TransUnion : No instances of late payments are documented. 
* XXXX : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX  days late, and XXXX payments XXXX  days late. 
* XXXX  : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : XXXX reports a highest balance of {$1200.00}, while TransUnion and XXXX do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, 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 2024-03-31 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: NJ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) ; Not specified ( Equifax ) ; Not specified ( XXXX ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While XXXX denotes the account 's closure as transpiring on XX/XX/XXXX, Equifax and XXXX fail to specify a definitive closure date. 
* Varied Payment History Reporting : * XXXX : No instances of late payments are documented. 
* Equifax : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX  days late, and XXXX payments XXXX  days late. 
* XXXX : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : XXXX reports a highest balance of {$1200.00}, while XXXX and Equifax do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
AMEX solicited XXXX XXXX XXXX via several mailings along with terms & condition inserts, which I reviewed scrupulously, before providing my electronic signature collateral to verify specific criteria used for credit extension, per the FCRA. 

Shortly after several hard inquiries by AMEX were recorded on my credit record, I received a letter from AMEX, dated XX/XX/2024, requesting my personal tax transcripts, with attached disclosures citing the Federal Equal Credit Opportunity Act, Consumer Credit Protection Act & the Bureau of Consumer Financial Protection. Within these Acts, application prerequisites shall be disclosed BEFORE selection of the consumer for the offer of credit. Section 10 ( b ) ( codified in 15 USC 78j ) is the primary anti-fraud statutory provision. The SEC primarily enforced this anti-fraud provision under Rule 10b-5, which prohibits the use of any " device, scheme, or artifice to defraud. '' Rule 10b-5 also imposes liability for any misstatement or omission of a material fact, or one investors would think was important to their decision. AMEX did not include any information in account opening disclosures pertaining to personal tax transcripts. 

I provided Valuable Consideration in exchange for credit that was deceptively captured via my social security number, several times, significantly impairing my XXXX credit score. 

The Securities Exchange Act was designed to force corporations to disclose information investors would find pertinent to making investment decisions. Requesting further personal information, outside of a social security number, such as personal tax transcripts AFTER demolishing my credit, is unquestionably unacceptable. 

If you can not see the code you developed to make my account, in the photos attached, here it is for your convenience : XXXX. 

Furthermore, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely. 

I've also attached my revocation of POA. Please provide me with AMEX process for retitling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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:
I've noticed several unauthorized hard inquiries on my report. Equifax advised me to contact the companies responsible for these inquiries, but they're not responding or either told me to contact the credit bureau which would be Equifax! Equifax then told me to file a police report, which I highly disagree with. Equifax should obtain the document with my signature authorizing these inquiries, which I never gave. Despite hours spent writing and calling, Equifax response remains the same : " Inquiries are a factual matter, '' which is incorrect! I request a thorough investigation into this matter to verify the validity of these inquiries and provide documentation of my authorization, if it exists. Please respond in writing within the timeframe specified by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have a loan with OneMain Financial.I make 2 payments a month on my pay periods to equal the total monthly payment due. I made payment on the account on XX/XX/XXXX and still had a payment due before the end of the month. I intended to make the second payment on the XXXX which was my next pay period which would have been late per the due date but NOT 30 DAYS LATE! Then I would have made the next payment on the XXXX of XXXX which would have been 8 days past the due date, but again NOT 30 DAYS late. 

OneMain contacted me and because I was accruing late fees with each payment. They stated that if I made an additional payment on the XXXX ( meaning nearly XXXX instead of the XXXX ) then resumed normal payments, i would not longer have late fees. I stated I could not afford to make an additional payment then. So they offered me an alternative, that if agreed to a deferment, and instead of making the payment that in intended to make on the XXXX on the XXXX instead, that I would only have 1 payment in XXXX and I would be effectively caught up. 

I SPECIFICALLY asked, " Okay, but if I do it that way, will it show as a late payment on my credit report? '' She said " No! Because you have the deferment which prevents that, so it will report on time ''. 

Based on that " reassurance '' I agreed to the deferment to give myself a little more breathing room. 

I got an alert on the XXXX of XXXX that my credit score had dropped by XXXX points. When I checked, I saw that they had added a late payment to my credit. 

I called the local branch here in XXXX, FL ( furious ) and was literally ( not hyperbole ) laughed at by XXXX because I said " If you guys don't fix this, I'm gon na call an attorney ''. 

I then called the national customer service number. And was assured that the late payment would be correct the following reporting period. This clearly did not happen. There is still a 30 day late payment that was only late because THAT'S THE WAY THEY TOLD ME TO PAY IT. Now they WILL NOT take responsibility for it and keep telling me, " Well, XXXX, the payment was late. '' And no matter how much I try to get them to see their error, they just laugh it off and tell me an investigation was done and it's my fault. Next time make my payments on time. 

This is also not the first time they have done this to me. I just didn't realize they had reported me late several times last year for similar circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: IL

Complaint narrative:
These two accounts are reporting a past due balance and there in charge off status wruten off by thier company. Yet, I never authorized these accounts to begin with I have requested something showing where, when we're they opened they just send letters that say verified. This is so unfair. XXXX and XXXX XXXX are not professional

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 2024-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ADDED A FRAUD STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND SHALL DELETE BY LAW. 
ACCOUNT NUMBER : XXXX WAS OPENED BY FRAUD AND THE CREDITOR AGREED TO DELETE. 

THIS FRAUDULENT ACCOUNT WITH A BALANCE OF {$2000.00} WAS NEVER DUE AND I NEVER WENT TO SCHOOL OR TOOK A LOAN. 

DELETE THIS INACCURATE ACCOUNT 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 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have never done business with this merchant or signed any contracts or provided payments to the merchant. Merchant has reported that they have received payment from me I have disputed the merchant multiple times and still no resolution. I am writing you to have errors corrected based on 15 USC 1681 and 15 USC 1666 .All verified information must be promptly removed. I am requesting that you remove the following : Jefferson Capital {$6000.00}

Company response to consumer: Closed with explanation