vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Subject : Formal Complaint Against OneMain Financial Group LLC for Unlawful Wage Garnishment Practices. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX ] Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against OneMain Financial Group LLC for their improper and unlawful attempts to garnish my wages without proper notification and due process. My rights as a consumer have been violated, and I request a thorough investigation into this matter. 

On XX/XX/2024, I was informed by my employer that they received a notice from OneMain Financial Group LLC to garnish my wages for the amount of {$2600.00}. To my shock, I had never been properly served with any court documentation regarding a debt collection lawsuit. I was not informed of a court date, and consequently, I was deprived of the opportunity to respond or defend myself in court. This lack of proper notification and service is a clear violation of my rights and the due process provided under the law. 

As a consumer, I rely on the protections afforded to me by the court system, including the right to be properly notified of any legal actions taken against me. OneMain Financial Group LLC has disregarded these essential procedural safeguards, thereby infringing upon my legal rights. 

I am requesting that the Consumer Financial Protection Bureau immediately intervene in this matter. Specifically, I request the following actions : 1. Immediate Suspension of Wage Garnishment : Halt the garnishment of my wages by OneMain Financial Group LLC until they can demonstrate that they have complied with all legal requirements for proper service of court documents.

2. Investigation into OneMain Financial Group LLC : Conduct a thorough investigation into the practices of OneMain Financial Group LLC to ensure they are adhering to all legal standards and consumer protection laws.

3. Verification of Proper Notification Procedures : Ensure that OneMain Financial Group LLC follows proper court procedures and notifies consumers adequately, providing them the opportunity to respond to any debt collection attempts. 

I believe that this organization has acted in bad faith and has violated my consumer rights. Your prompt attention to this matter is crucial to prevent any further unjust financial harm to myself and potentially other consumers who may be facing similar issues. 

Please confirm receipt of this complaint and provide updates on the progress of your investigation. I am available to provide any additional information or documentation required to support my complaint. 

Thank you for your assistance in protecting consumer rights and ensuring fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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 accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: VA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in to be removed. 

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. 


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! 

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in to be removed. 

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. 


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! 

Delete the late payments from my consumer 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 2024-06-21 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: AL

Complaint narrative:
To whom this may concern, this is one of the countless times I have attempted to report unusual activity on my consumer report, however, I seem to get no response. According to the Fair Credit Reporting Act, it is a violation of my consumer rights ( ref. 15 USC 1681 ) for consumer reporting agencies to report information of my consumer report that I didn't authorize nor permit to be on my consumer report. 

The following inquiries I didn't authorize on my consumer report : XXXXXXXX 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  I WOULD LIKE FOR THESE ITEMS TO BE REMOVED FROM MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
XX/XX/year> Personal and SensitivePrivilegeNot for Publication SENT VIA U.S. FEDERAL GOVERNMENT SYSTEM OF RECORDS United States of America Consumer Financial Protection Bureau Attn : XXXX XXXX, XXXX 1700 G St NW Washington 20552-0004 District of Columbia , USA United States of America Federal Trade Commission Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX District of Columbia XXXX USA Dear XXXX XXXX and XXXX XXXX XXXX SUBJECT XXXX Ongoing Dispute with Army and Air Force Exchange Service Regarding Billing and Credit Reporting Errors In Case of Credit Card Receivables Account No. XXXX XXXX XXXX XXXX I am forwarding the attached formal complaint regarding ongoing disputes with the Army and Air Force Exchange Service concerning billing, debt collection, and credit reporting practices and errors. The attached letter details the issues, including the failure of the Army and Air Force Exchange Service to address and resolve these disputes, and provides supporting evidence and documentation. 

Given the importance of consumer rights and the integrity of our financial systems, I request an immediate and thorough investigation by both the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX United States XXXX XXXX XXXX XXXX ) Citizen of Indiana state All Rights Reserved without Prejudice po box XXXX XXXX XXXX Virginia, 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 2024-06-21 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: GA

Complaint narrative:
To ensure that your company is reporting accounts XXXX % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting XXXX % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
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 XXXXXXXX, XXXX 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 2024-06-21 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:
To ensure that your company is reporting accounts XXXX % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting XXXX % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-06-21 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: VA

Complaint narrative:
Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of Credit Card Receivables Account No. XXXX 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 2024-06-21 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: VA

Complaint narrative:
Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp I used to transfer {$70.00} to my girlfriend 's account. She had no way to access it her phone was busted. We called they set her up an entirely new account and sent the funds to the new account. Now we are getting a run around about verification and her needing a bank. 
I was the original sender and they will not send the funds back to me either. So they are just holding {$70.00} we didn't have to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: BLINCLOANS, INC.
State: MD

Complaint narrative:
In XXXX I revoked my authorization for XXXX Advance to withdraw money from my checking account both via ACH as well as Debit card. They acknowledged receipt of my instruction, however on XX/XX/year> they withdrew {$250.00} from my checking account via my debit card without my explicit authorization, as well as while my ACH revocation was in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute Regarding Unauthorized Inquiries and FCRA Violations Dear Equifax Dispute Resolution Department, I am writing to formally dispute the resolution provided to my previous inquiry dispute dated XX/XX/XXXX. The inquiries in question are : 1. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX In my original dispute, I stated that these inquiries were inaccurate and unauthorized as per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). However, the response I received from Equifax merely stated that the inquiries were verified without providing any substantive proof or documentation supporting this verification. 
According to the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if it is found to be inaccurate, incomplete, or unverifiable. Your failure to provide sufficient evidence that these inquiries were indeed authorized violates this statute.

Furthermore, 15 U.S.C. 1681b ( f ) clearly states that a consumer reporting agency may only furnish a consumer report under specific circumstances and with the proper authorization. By not adequately verifying these inquiries and retaining them on my credit report, Equifax is in direct violation of this provision. 
The presence of these unauthorized inquiries on my credit report is causing harm to my credit score and financial reputation. As such, Equifax is liable for damages under the FCRA, and I am entitled to seek legal remedy for this harm. 
I request that Equifax immediately remove these unauthorized inquiries from my credit report and provide written confirmation of their removal. Failure to comply with this request will leave me no choice but to consider legal action for the damages incurred due to your non-compliance with the FCRA. 
Please respond to this letter within 15 days of receipt to confirm the actions taken to rectify this matter. You may reach me at XXXX for any further information or clarification. 
Thank you for your prompt attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: MN

Complaint narrative:
I noticed inaccuracies on my credit report. Please take a look at the following account to ensure its accuracy. 

XXXX 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