vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the item, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Misrepresentations of information was reported on my consumer report as insurance paid odd my Loan form vehicle because of a natural disaster. Notice this is not a Credit report as 15USC 1681A exclusion the term Consumer Report means any written information barring on a persons credit worthiness which are independent from ones Credit Report, Congress says the term Consumer does not include reports that contain information solely as the transactions or expenses which goes against congress as the false report to my consumer report indicating a report of a late payment may be illegal by Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
This loan is part of a predatory lending scheme. Which allows loan companies to evade Arizona interest rate laws. This loan company does not disclose this in writing that they are using another bank thus a high interest rate that is impossible to pay off.This company is currently violating the Truth in lending act and the Dodd- Frank Wall Street reform and Consumer Protection Act. 

*Deceiving consumers about loan payments that were not owed. 
*Failing to disclose the real cost of credit The rent a bank scheme allows this company to continuously hide and evade Arizona law ( A.R.S 6-632,6-635 ) and prey on veterans, seniors and not other unsuspecting borrowers continuously trapping into a continuous cycle of debt. 

I do not owe this debt as this company needs to be investigating as a many lawsuits were previously filed. 


I am asking the CFPB to investigate and remove this loan from my credit reports XXXX, XXXX and, XXXX as this is illegal and to date is questionable in court as the FCRA by law protects consumers from illegal loans being reported on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: AR

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. 
XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX XXXX : XXXX, has violated my rights. 


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 generallf, 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 2024-11-08 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: PA

Complaint narrative:
I was stunned to see incorrect accounts listed on my credit report tonight, and I cant figure out why. I regularly check my report, and there have never been any issues beforethis just came out of nowhere. I even tried refreshing my browser in hopes it was just a glitch, but the inaccurate accounts remained. I am now asking for the documents I submitted to be carefully reviewed so I wont have to deal with this again.

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 2024-11-08 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:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I recently pulled a copy of my credit report and noticed that my account was charged off in XXXX XXXX  but I never received a 1099c. I am requesting a 1099c be sent to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
Subject : Complaint Against Equifax for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Equifax to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, Equifax rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of Equifax. Enclosed with my original request were the following documents : 1. A signed and dated dispute letter outlining the inaccuracies on my credit report.

2. Copies of my credit reports from XXXX, XXXX, and Equifax highlighting the disputed items. 
3. A copy of my government-issued identification ( driver 's license ).

4. A copy of my Social Security card.

5. A recent utility bill verifying my current address.

6. Any additional supporting documents substantiating my claims. 
I have thoroughly reviewed XXXX guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that XXXX 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information.

2. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must
follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX  XXXX ACCOUNTS NUMBER XXXX AND XXXX ACCOUNT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
I am seriously stunned to see that inaccurate accounts are showing up on my credit report tonight. I check my credit report regularly, and this just came out of nowhere. I even tried refreshing my browser thinking it was a glitch, but no, the incorrect accounts are still there. This is beyond frustrating. I need the documents Ive submitted to be double-checked so that I can stop stressing about this issue in the future.

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 2024-11-08 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: TX

Complaint narrative:
I have 4 accounts on all 3 credit monitoring companies that are not being verified correctly and have failed to meet the USC 15 Codes and XXXX reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts. 
These accounts have been requested to be removed from my report but the three credit reporting agencies are not following these requests from the creditors. the accounts are as follows. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate. with the results of these findings. I have an FTC Fraud ticket open with these accounts listed and tied to the police reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
I have 4 accounts on all XXXX credit monitoring companies that are not being verified correctly and have failed to meet the USC 15 Codes and XXXX reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts. 
These accounts have been requested to be removed from my report but the three credit reporting agencies are not following these requests from the creditors. the accounts are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate. with the results of these findings. I have an FTC Fraud ticket open with these accounts listed and tied to the police reports.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My checking account was closed saying for overdraft fees but I was only using my account for paying my car note had charges me fees up to almost XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
Misrepresentation of information was reported to my Consumer Report as Insurance paid for my car load with XXXX XXXX XXXX Notice that this is not a Credit report but a Consumer report which reflects my credit worthiness meaning any written information barring on a persons credit worthiness which are independent from the Factors of Fico should not reflect on ones Consumer Report. Congress says any transaction or experiences which goes against congress as the False report to my Consumer Report indicates a late negative payment transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On XX/XX/24, I applied for a home equity to pay some credit cards. To reduce debt and just have one mortgage instead of multiple credit cards. However, the company charge me {$52.00} to run credit check which is okay. 
XX/XX/24, I was charged {$750.00} which was originally written and stated that it will only cost {$50.00} as they can do a drive by. After a week I was notified that they are not able to XXXX XXXX by and need to charge me {$750.00}. Which I, hesitated to say yes, but due to the process and credit check fee etc, I said yes. 
XX/XX/24 I got a call from underwriter XXXX XXXX to freeze my current XXXX heloc for them to be able to pay it off. This XXXX heloc ( 8 % interest ) was not part of the plan to pay off but the credit cards thats up 22 %. It does not make sense for anyone to pay loan fees and pay off 8 % to 9.75 %. I asked why this was not communicated to me and I was told I only have two option to approve or reject it. I rejected it and requested the {$750.00} appraisal that I paid as I feel like they did not do their due diligence in checking eligibility and now I further accrued more debt, not to mention because of the hard credit check my score went down and I'm getting phone calls every 5 minutes from all over the world. 
The issue was XXXX holding a lien on my mortgage and for them to approved my loan they need to clear that lien first. If they would have been honest and told me this from the beginning, I could have avoided all of these.

The contract that was sent to me had different numbers and I asked why that is and was told that they can edit it on their end but need my signature before they can proceed. Very sketchy process but I trusted them and now paying for it. 
I reached out to XXXX XXXX ( Mortgage Consultant ) multiple times and have not heard from him regarding a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was just looking over my credit report on XX/XX/year> and found some addresses that appear to be incorrect. 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. 

Please delete all names and addresses other then the information below My full name is- XXXX XXXX My full address is- XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX My phone number is XXXX Please delete all other address and names and update 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Misrepresentation of information was reported to my Consumer Report as Insurance paid for my car load with Lobel Financial Corp. Notice that this is not a Credit report but a Consumer report which reflects my credit worthiness meaning any written information barring on a persons credit worthiness which are independent from the Factors of XXXX should not reflect on ones Consumer Report. Congress says any transaction or experiences which goes against congress as the False report to my Consumer Report indicates a late negative payment transaction.

Company response to consumer: Closed with explanation