vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
According to the FCRA the list of accounts below have violated my right to privacy and confidentiality, and my right to be notified by written consents in a timely manner. 15 USC 1681 s2 ( a ) ( 1 ) ,15 USC 1651s602, and 15 USC 1681 s604a ( 2 ) protect consumers rights. The Cfpb " Notice to Consumers '', if any information that has been deleted from the consumer 's reporting file, the consumers reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion.On XXXX, I disputed several accounts on my credit report, the accounts were deleted, only days later to have those accounts reinserted.To date, I have not been notified of the reinsertion. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
According to the FCRA the list of accounts below have violated my right to privacy and confidentiality, and my right to be notified by written consents in a timely manner. 15 USC 1681 s2 ( a ) ( 1 ) ,15 USC 1651s602, and 15 USC 1681 s604a ( 2 ) protect consumers rights. The Cfpb " Notice to Consumers '', if any information that has been deleted from the consumer 's reporting file, the consumers reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion.On XX/XX/scrub>XXXX I disputed several accounts on my credit report, the accounts were deleted, only days later to have those accounts reinserted.To date, I have not been notified of the reinsertion. 

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 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 2024-11-18 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: MD

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-11-18 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: MD

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-11-18 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :

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 2024-11-18 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: MD

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing a hard inquiry on my credit report initiated by XXXX XXXX, CAP ONE AF, and XXXX  which occurred on XX/XX/XXXX24. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX XXXX, CAP ONE AF, and XXXX, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may constitute a violation of the Privacy Act of 1974, which mandates that personal data be accessed and used only for legitimate and authorized purposes. 
The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
I am disputing a hard inquiry on my credit report initiated by XXXX XXXX, XXXX XXXX XXXX, and STELLANTIS which occurred on XX/XX/XXXXXXXX. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX XXXX, XXXX XXXX XXXX, and STELLANTIS, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may constitute a violation of the Privacy Act of XXXX which mandates that personal data be accessed and used only for legitimate and authorized purposes.

The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.

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 2024-11-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 loans, a credit card, and any other accounts from : XXXX with a balance of {$650.00}, XXXX XXXX XXXX  with a balance of {$400.00}, XXXX XXXX with a balance of {$3000.00}, XXXX XXXX  with a balance of {$1300.00}, XXXX XXXX XXXX XXXX with a balance of {$28000.00} and another XXXX XXXX XXXX XXXX with a balance of {$650.00}. 

The accounts in question have led to multiple hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have provided a list of these fraudulent accounts reflected on the report maintained by your agency. I do not recognize these accounts, collections, or hard inquiries as reported. None of these accounts, collections, or hard inquiries were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. As evidence, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that all the mentioned accounts, collections, and hard inquiries are linked to identity theft and fraud, as verified by the XXXX Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: TX

Complaint narrative:
In XXXX of 2022, I signed up with Derek Williams Law Group aka Infinite Law Group. They charged legal fees upfront. I have been making monthly payments of {$360.00}, and they have not settled any of my debt. I received an email from them saying they can no longer represent me because the federal government is suing them. I have been trying to get in contact with them to cancel and get back my {$4600.00} currently in the XXXX XXXX account. I understand the CFPB is involved in the law suit. I want to know what I need to do next?

Company response to consumer: Untimely response
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
The company stated that they have charged this debt off however I never received a 1099C. In regards to this debt being charged off, I would like to request form 1099C from Sun Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-18 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MN

Complaint narrative:
I had issues with processing a payment and consistently kept getting errors from Edfinancial paying my entire loan off so I had to pay it the day it accrued interest with {$2.00}. Then, it said that there was a payment reversal with my payment so I had to pay {$5.00} interest now to finish off my loan. The email I received stated that I would pay the first amount again, {$5500.00}, but when I tried to go pay it again the first time, it said {$550000.00}. I talked to XXXX agents, the first said to pay the original amount as the email stated and the second said to pay the new amount. I believe that Edfinancial is purposely making it extremely difficult and confusing for students to pay off their student loans so that they accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
Hello, Please let me know when Cash Factory USA plans to release my funds totaling {$1400.00} back to my bank account. I have been waiting since XX/XX/year>2023 for this matter to be resolved and closed. Ive yet to receive any notification that my refund has been processed and sent to me. I would like to know if the refund is being sent by check or ACH/EFT. Please let me know when I have your direct attention to this matter. 

Its been over a year now that your company has yet to refund my money back to me. I have also seen XXXX responses from this apparent and so called Compliance department that I am assuming runs the operations for this Business. I do not care how long Cash Factory USA wants to drag and ignore the information. I have all the time and patience in the world. Once I receive my money back this matter will be considered resolved by me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation