vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
**Subject : ** Request for Investigation and Removal of Inaccurate Collection Information Dear Equifax , I am writing to dispute the inaccurate collection account ( s ) listed on my credit report. As a consumer, I have the right to ensure that the information being reported about me is both fair and accurate, as stated in the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. I respectfully request that you investigate the following collection account ( s ) and remove any inaccurate, unverifiable, or outdated information from my credit report. 
I believe this account is inaccurate for the following reasons : XXXX Has deleted this account from my account due to the fact it could not be verified to be mine I have attach my XXXX letter stating it was deleted, so please deleted from my report as well. 
According to the FCRA, specifically [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. I request that it be removed from my report in compliance with [ 15 U.S.C. 1681i ( a ) ]. 
Please send me a written confirmation once the investigation is complete, as well as an updated copy of my credit report reflecting any changes. 
Thank you for your prompt attention to this matter. I look forward to your response within the time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is furnishing information on my credit report that is a result of identity theft and fraud. There is a hard inquiry being reported on my file that was never authorized by me. The inquiry is from ( " XXXX '' on XX/XX/year> ). This was not me. This inquiry is identity theft. I already called Experian and told them this yet they refuse to help or correct the situation. Experian is violating my rights as a consumer and is not acting in accordance with the law.

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 2024-11-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX - Account # : - XXXX XXXX FINANCL - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX XXXX XXXX Account # : XXXX _____________________________________________________________ INQURIES XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-10 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: NY

Complaint narrative:
Experian claims to investigate my concerns, however my private information is being shared without my consent. In addition I requested Experian provide the Name and address of the person who verified the inaccurate account, the procedure in which the account was verified, and the name and address of the ORIGINAL CREDITOR!!!!! Experian has not provided ANY of these documents required under the Fair Credit Reporting Act, nor did Experian follow COMPLIANCE PROCEDURES outlined in the FAIR CREDIT REPORTING ACT during the dispute process. I have several violations appearing on my credit report to date. Experian has severely damaged me the consumer by continuously neglecting the Fair Credit Reporting Act. I will be filing a notice of dispute as per Experian terms of use agreement for correction to my credit report along with payment for each violation appearing on my credit report and damages to the consumer 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit with Experian is bad, it is not updating. I have called on other occasions trying to get them to solve the problem and they don't fix it. Right now my credit is not updated and I get a message on the screen saying that the creditors have different information than mine and that if I don't fix it I can't see my credit. On two occasions I sent my ID photo so they could solve the problem and they still haven't fixed it. BY LAW CREDIT BUREAUS HAVE TO FIX OR REMOVE INCORRECT INFORMATION. I am trying to fix the problem but I need someone to take the job seriously and solve this situation for me. thank you

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 2024-11-10 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: FL

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Equifax Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/2023 ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each
periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Equifax Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year> ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms.

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Slovin & Council Co., L.P.A.
State: KY

Complaint narrative:
The companies are XXXX XXXX and XXXX XXXX XXXX. 
Ive already told them I will pay the rest of the debt, but they are trying to get me to pay an amount of debt that I already paid. 
They are trying to threaten me to double pay, and they have already threatened to seize property that I dont even have in my name. 
They already took me thru a Civil summons which I responded to and I keep responding to them. I have agreed to make payment amount, I could even understand if they needed to add a smaller amount of {$500.00} or less to the balance, but that is not enough for them. They are misrepresenting what is still owed, I have documented proof that I only owe so much left. 
I also found online in regards to LoanMe : LoanMe personal loans may have a low barrier to entry as well as a simple application process and fast funding, but the risks involved are high. The triple-digit interest rates are borderline predatory and can create a serious financial drain. This debt started at {$2500.00} back in 2021, they are claiming I owe {$2200.00} ignoring the fraudulent and predatory interest rate. Although, {$1400.00} was paid from XX/XX/year> to XX/XX/year> with only {$220.00} going to the principalthere is documented proof as part of the civil summons. That means only {$1000.00} is actually left to be paid. I will not allow myself to be doubly prayed on, and Im only willing to pay the {$1000.00} as is my right in the state of Kentucky. 
There are also multiple complaints online about both XXXX XXXX and XXXX XXXX XXXX. 
I will be contacting the Ohio XXXX XXXX XXXX. I also have an attorney now, and I will be finding out if they will help me work out a settlement or I will be countersuing.

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 2024-11-10 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX I looked at my Transunion 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 generally, 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 non-monetary relief
Consumer complaint received 2024-11-10 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: MD

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. [ XXXX  & XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
These accounts are identified as a charge off. Which the companies have taken a loss on and written them off on their taxes. In this case they were to send me a 1099 so I can file as income on my taxes which haven't been done. I demand these items to removed from any credit report within 7 days due to them not following the law that requires them to do so once they charge off an account. 

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 non-monetary relief
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
These accounts are identified as a charge off. Which the companies have taken a loss on and written them off on their taxes. In this case they were to send me a 1099 so I can file as income on my taxes which haven't been done. I demand these items to removed from any credit report within 7 days due to them not following the law that requires them to do so once they charge off an account. 

XXXXXXXX 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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am a XXXX, and I am applying to utilize the Louisiana Servicemembers ' Civil Relief Act. Most credit card companies are not aware of the provisions this provides as opposed to the federal SCRA ; it includes the reduction of credit card interest rates to below 6 % and the reimbursement of interest charges that were paid before the reduction. This applies to credit card accounts opened while on active-duty service, as opposed to the federal SCRA which only applies to those before entering the service. When contacting credit card companies in the past, they have refused to follow the policy due to their familiarity with the federal SCRA.

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a PayPal Credit Card issued by XXXX XXXX  which was closed abruptly in XX/XX/year>. Paypal/XXXX told me my account was closed due to unusual activity. I suspect this is because I had a few large transactions for paying my federal taxes using the card. 

After my card was closed, I lost approximately {$500.00} worth of rewards in my account which I have not been able to recover. In addition, I have not been able to access any of my old credit card statements online. Ive called and complained to PayPal/XXXX XXXX multiple times on XX/XX/XXXX and XX/XX/XXXX. They have refused to issue my rewards back or provide statements. 

If not illegal, this is highly unethical. I spent high credit card fees using the card which XXXX profited from and rightfully earned rewards per their agreements. They should be forced to comply with their agreements and issue rewards back to me.

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 2024-11-10 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:
These accounts are identified as a charge off. Which the companies have taken a loss on and written them off on their taxes. In this case they were to send me a 1099 so I can file as income on my taxes which haven't been done. I demand these items to removed from any credit report within 7 days due to them not following the law that requires them to do so once they charge off an account. 

XXXXXXXX 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