vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: AZ

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  CHILD SUPPORT Account # XXXX Update to Open/Never late XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: AZ

Complaint narrative:
I revoked authorization to charge my bank account a week prior to the payment being due and was charged anyway. When I addressed with the company, they acknowledged that they were wrong but have yet to issue my refund. They continue to stall and I have yet to receive my refund over 2 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am writing to formally dispute the debt referenced in your recent correspondence dated XX/XX/year>. The documentation provided does not validate the debt, and I have specific concerns regarding the validity of the account. 

No Signatures : The documents you provided lack my signature or any acknowledgment of this debt, which raises questions about its validity. 

Incorrect Credit Card Information : The credit card number associated with this account is not mine. 

Due to these issues, I request that you cease all collection activities until proper validation of the debt is provided, including : Proof that I owe this debt Documentation showing my signature or agreement to the charges Verification of the original creditor I expect a prompt response to this dispute and look forward to resolving this matter. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
I have tried to contact the company who filed a judgement against my wife due to an unpaid credit card. The judgement resulted in a lien placed against my property. My wife passed away in XXXX  and I did not sign for or benefit from the credit card. Each time I tried calling the creditor I only get voicemail. I have left several messages for them to call me, but I have never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I was asleep on XX/XX/year>, then i woke up and checked my phone. I saw an alert from XXXX XXXX stating " A Hard Credit check was just added to your credit report " I then went onto Credit Karma and saw a hard inquiry from OneMain Financial processed on XX/XX/year>. I immediately called OneMain Financial but the automated machine said they were closed. I called OneMain Financial again on XX/XX/year> and they directed me to their fraud department where I opened a case which is still pending. 

Also, on XX/XX/year>, I received a letter in the mail from XXXX saying " We're concerned someone may be using your personal information fraudulently and declined an application because of this. '' However, I never applied for a loan with XXXX. 

So far, I have freezed my credit report with XXXX, XXXX and XXXX on XX/XX/year>. And I have placed XXXX XXXX with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
My XXXX XXXX, XXXX, XXXX, and Equifax reports are under security freeze. Yet Equifax is still allowing XXXX XXXX to soft check my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MI

Complaint narrative:
XXXX  anXXXX XXXX and XXXX are partners in the borrowing institution. The information from XXXX XXXX  never appeared on my credit report until the account XXXX was reported as a fraudulent account from XXXX There i request that Equifax and XXXX XXXX remove the account from my credit report as this matter was removed under XXXX  These are both under the same institution of borrowers. I have documents from XXXX which provides a accurate credit report under the FCRA. 15 USC 1681ei protect my consumers rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I deposited a check on XX/XX/year> through USAA 's mobile banking app and USAA put a hold on 50 % of the funds until XX/XX/year>. That's a week long hold. When I called USAA to ask them to release the hold, they said " the system '' wouldn't allow it and no one within the USAA banking system has the authority to release the hold. I asked them why they had put my funds on hold, and they said " the system '' has identified some irregularities. When I asked what the irregularities were, the customer service rep could not name what irregularities " the system '' had identified within my checking account, but rather read a script that gave a generic definition of irregularities. In other words, I asked specifically what triggered this hold and the representative gave me a word salad in response. I asked to speak to a supervisor and the supervisor pretty much did the same. The two people that I spoke to at USAA could not identify what transaction ( s ) triggered the one week long funds hold, but had supreme confidence that " the system '' was correct. They also both repeated several times that no one at USAA had any authority to override the system. I have lived through two major hurricanes over the last month. I lived through two long Florida states of emergency. I went a week without power. All the gas stations within a 10 mile radius of my residence ran out of gas for about a week. The unidentified " irregularities '' that USAA 's " system '' has flagged in my checking account are no doubt related to the extraordinary natural disasters that we just went through. I have been a USAA banking customer for 30 years and I can not remember any of my deposits ever being put on hold for a week. All of the sudden, USAA 's " system '' has identified a problem with my checking account. USAA 's " system '' and lack of customer support has had a negative knock on effect upon me. I have been forced to delay paying my creditors and it's damaged my credit score.

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 2024-10-29 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: FL

Complaint narrative:
I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. 

Here are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/2024 XXXX XXXX XXXX  ( XXXX ) Account No : XXXX Original Dispute Reason : This account does not belong to me. 

And : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/2024 Account Name : XXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Experian informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. 
I asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately. 
The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy. 
Ensures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my 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 2024-10-29 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: FL

Complaint narrative:
I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. 

Here are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/year> XXXXXXXX XXXX XXXX  ( XXXX ) Account No : XXXX Original Dispute Reason : This account does not belong to me. 

And : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Experian informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. 
I asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately. 
The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA.

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my 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 2024-10-29 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: AL

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of a fraudulent account appearing on my credit report. This account was opened as a result of identity theft and contain inaccurate and false information. The fraudulent account is as follows : XXXX XXXX XXXXXXXX XXXX : {$10000.00} This account have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that this fraudulent item be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-10-29 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, I PRESUM THAT NO PROOF OF THE ALLEGE DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS UNDER 15 USC 1681 GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I made a credit card payment that was due on XX/XX/XXXX, a XXXX  ( when Capital One does not allow online payments to be processed ) on the following business day, XXXX  the XXXX. This was scheduled on XXXX  the XXXX, which was the earliest I could send in a payment. I was charged a {$39.00} late fee. I had called in to have the late fee waived, specifically mentioning that that the Truth in Lending Act allows for payments due on a bank holiday or XXXX  that can not be processed to be accepted the following business day without incurring a fee, and was told that Capital One does not have any policy that prevents them from charging late fees regardless of the Truth in Lending Act. Regulation Z, 12 CFR 1026.10 ( d ) indeed notes that this payment should not have been subject to a late fee, as it was processed on XXXX  XXXX the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-29 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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