vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Republic Finance , LLC XXXX : Legal & Compliance Department XXXX XXXX XXXX XXXX XXXX, LA XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear Republic Finance , Inc I am writing to formally dispute the inaccurate reporting of the partial account XXXX to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred in XXXX of XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Floor XXXX XXXX XXXX, CA XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) DeaXXXX XXXX XXXX  I am writing to formally dispute the inaccurate reporting of the ( accounts listed below ) to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred on all four of the specific dates below : Loan Number Amount Date Charged Off XXXX {$200.00} XX/XX/XXXX XXXX {$61.00} XX/XX/XXXX XXXX {$130.00} XX/XX/XXXX XXXX {$190.00} XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 



I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, Experian, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-27 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: CA

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-11-27 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, XXXX, and Equifax for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/year> reported by XXXX is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from XXXX, XXXX, and Equifax demonstrate conflicting and inaccurate reporting for the XXXX account : Equifax : Reports a XXXX late payment for XX/XX/year>, which is incorrect and unsupported by any payment records. 
XXXX and XXXX : While these bureaus do not list a XXXX late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested Resolution I request that the CFPB investigate this matter and instruct XXXX, XXXX, and Equifax to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of 100 % on-time payments. 

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was scheduled to get a cosmetic XXXX at XXXX XXXX but ended up canceling. I reached out to XXXX XXXX  for a refund and per the agreement, I would be responsible for {$1000.00} and the cosmetic company would refund the remaining balance of {$3000.00} to the credit card XXXX XXXX  ) within 30 days of the cancellation. The XXXX was for {$4000.00}. The refund was requested back in XXXX of 2022 and XXXX XXXX did not issue the refund until XXXX of 2022 so XXXX XXXXonths late. This resulted in the debt getting reported as a charge off on my credit report ruining my chances of purchasing a house or anything for that matter. Not only that, but the charge off was listed for {$4200.00} and thats not including the {$1000.00} that I still owed which all adds up to almost {$1300.00} more than the cost of the XXXX. Recently I reached out to Comenity bank which is the bank XXXX credit goes through to ask about the charge off on my credit report and they pointed me to Comenity Collections. Comenity collections was only aware of the {$1000.00} which was already taken care of and paid for so I called the credit card company, XXXX. They said the debt was sold to XXXX credit so I called XXXX credit and after giving them my information, they have no idea who I am or what Im talking about. They do not have any debt under my name for any account. These companies have breached contracts and carelessly passed my information around and didnt keep track of where it was going.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX  XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company NCB MANAGEMENT SERVICE and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: IN

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NV

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
What happened ( statement of pertinent facts ) Consumer name : XXXX XXXX, XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a federal student loan account at XXXX on XX/XX/XXXX account number XXXX, a credit card load account from XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXX, a auto loan account at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a rent account at XXXX XXXX XXXX on XX/XX/XXXX with no account number, a collection account at XXXX XXXX A on XX/XX/XXXX no account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have issued a complaint with the FTC Identify Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I could not attach copies of any of my reports due to your site refusing to allow any form of download pdf files for this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I received a pre-qualification in the mail from One Financial. So on XX/XX/year> I decided to move forward and apply online with my offer code they sent me. After I gave all my information it stated that I was approved... not qualified..not pre-approved but actually approved for a loan up to {$10000.00}. Imagine how overjoyed I was because it has been a financial struggle lately. So I get an email saying they just needed to very my information and that they needed to my vehicle registration information and my insurance information which I think is weird for a personal loan request. So I sent all my information plus the unusual request for my vehicle information..in addition they wouldn't accept my bank account but I sent emails advising that I could provide bank statements. I get a text message at about XXXX XXXX  that said congratulations that I had been approved and to call for an intro call. I called and no answer. But I received a call back two hours later saying they wanted to go over my info... then after XXXX mins she said let me send to my underwriters. I said why it's already been approved..she comes back and said they have no loan options for me and that I was denied. I said mam. I have a text message and online said I was approved. She said no that was pre-qualification. I said mam online did not say that and neither did my text message. I told her that misleading customers to believing they are approved is deceptive. I am heartbroken by the decision because they lead me to believe I was approved and I needed that money to catch up on bills. They lied and provided fraudulent information. They need to have their lending license revoked. They wouldn't even allow me to provide my bank statements!!! Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
AFFIRM INC Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I am deeply concerned about the unauthorized information being reported on my credit file. I never gave permission for this data to be included, and its presence is a clear violation of my right to privacy. Its disheartening and insulting to see this false information negatively affecting my credit score and tarnishing my reputation. Due to your negligence, Ive faced multiple denials on new credit applications, which is causing unnecessary stress and impacting my financial stability. Im requesting the immediate removal of this unauthorized information 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 2024-11-27 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: IN

Complaint narrative:
My credit report includes inaccurate late payment entries. Please resolve these errors for accuracy.

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 2024-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: PA

Complaint narrative:
As of today XX/XX/year> a debt collector known as Waterfall Revenue Group XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX in the amount of {$1200.00} is on my credit report pertaining to what appears to be a medical bill. I wish to receive information on what the services were and to verify that the services were actually done for me under a request for methods of verification. Furthermore, under HIPAA law, any medical information can not be given out to anybody. This includes a third party in attempt to report or collect a debt.

Company response to consumer: Closed with explanation