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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, my Paypal account was fraudulently accessed. A PayPal XXXX XXXX XXXX was opened under my name without my permission and money was transferred from my bank account ( which was linked to my PayPal account ) to the Paypal XXXX XXXX card in order to process many fraudulent transactions. In total, {$3000.00} was transferred to the XXXX XXXX card. 

After stopping most of the transactions and closing the XXXX XXXX card, I requested a review for XXXX transactions for a total of {$310.00}. XXXX advised that they reviewed the transaction and determined that they would not refund the money that was fraudulently taken from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
In XX/XX/year>, I took out a loan with OneMain Financial for {$6000.00}, which included mandatory add-ons like credit insurance and origination fees, increasing the total loan balance over {$6000.00}. Although I signed the contract, I was not fully informed about the true cost implications of these terms. Since XX/XX/year>, I have made monthly payments of {$230.00} at minimum, totaling around {$7500.00}. Despite this, my outstanding balance remains {$5100.00}, demonstrating that most payments have only covered interest with little impact on the principal. 

There are several key issues. First, the excessive interest rate of 32.13 %, combined with mandatory fees, has resulted in my paying more than the original loan amount with nearly the entire balance remaining. Although I signed the contract, OneMain did not make the long-term financial burden of these terms clear. This payment structure effectively traps me in debt indefinitely. Second, while the insurance and fees were technically disclosed, they were presented as mandatory, which limited my ability to reject them. This lack of choice forced me into a loan with higher costs than I initially agreed to, resulting in financial harm. The forced addition of these products could be seen as a deceptive practice that increased my financial burden unnecessarily. Lastly, although OneMain disclosed the interest rate, they failed to provide essential information such as an amortization schedule or cost projections showing that my payments would barely affect the principal. This lack of transparency prevented me from making an informed decision, resulting in significant financial harm. Compliance with minimum TILA disclosures does not excuse the omission of practical repayment insights.

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: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

XXXXXXXX XXXX XXXX XXXXXXXX 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 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: IL

Complaint narrative:
There are unauthorized credit inquiries on my credit report that I did not make 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlas Credit Company, Inc.
State: VA

Complaint narrative:
This company claims 2 accounts with 2 different account numbers were opened in my name on the same day with the same exact balance. They show up as charged off on my XXXX and XXXX credit report. The account ending in XXXX shows 30 days, 60 days, 90 days late payments, while the account ending in XXXX shows only that it was charged off without any history of any late or on time payments at all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: MS

Complaint narrative:
I sent in several disputes for these accounts that were inaccurate in reporting on my consumer report. They are still reporting on my consumer report. These accounts are a violation of the FCRA because they have not been verified. ( XXXX XXXX XXXX  and XXXX XXXX XXXX must be deleted from my consumer report. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
vehicle was included in XXXX... XXXX was dismissed ... and XXXX XXXX attempted to collect on vehicle at Different Price... when asking for documentation... .never received information ... .and they reported on credit report as written off ... did not provide XXXX form... .and then sold debt to debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX XXXX ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1995 Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX XXXX ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.

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 information incorrect
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Dispute of Incorrect Late Payment on Credit Report To Whom It XXXX Concern : I am writing to formally dispute an inaccurate late payment entry on my credit report. I have identified a late payment notation for my personal loan account with [ Best Egg ) [ XXXX ], dated [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ]. I have consistently made my payments on time and have records to support my timely payments for this account. The reported late payment is an error, and I kindly request that it be investigated and corrected promptly. Enclosed are copies of my [ Confirmation of payments and payment history ] indicating that my payment was made on time for the disputed date. In accordance with the Fair Credit Reporting Act, I am requesting that this incorrect information be removed or updated to reflect an accurate payment history. I would appreciate receiving written confirmation of the outcome of this dispute, as well as an updated copy of my credit report if any changes are made. Thank you for your attention to this matter. 
If any further information is required, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, [ XXXX XXXX XXXX

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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Notice that my credit was pulled by several companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
MCM has been harassing me threatening to sue me. Calling at all hours of the day even at night. I did not have agreement with them as I do not owe them anything. They have ruined my credit.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
this debt was included in Bankruptcy... .Original creditor dismissed it... .then XXXX XXXX XXXXpurchased Debt and trying to collect. this debt collector can not send me the documentation required to prove debt ... and i informed them of being included in Bankruptcy in XXXX the initial creditor did not show up to meeting of creditors ... and wrote off debt ... This debt collector is claiming current on debt on my credit report ... and will not remove after several attempts.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are unauthorized credit inquiries on my credit report that I did not make 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are unauthorized credit inquiries on my credit report that I did not make 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$300.00}.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
Reached out to Jefferson Company and company informed me that they have ceased collection towards this debt company stated " This is in response to the complaint we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX debt that we acquired in her name, which is now associated with JCS Reference # XXXX. We have reviewed our Jefferson Capital Systems , LLC records, and records do not reflect receiving a request for validation of this debt directly from XXXX XXXX prior to this complaint. However, in an effort to resolve this matter, we have closed our file and terminated collection efforts on the debt. Jefferson Capital Systems , LLC has not reported this debt to the credit bureaus. Thank you for the opportunity to respond. " XXXX should remove debt since Jefferson capital systems has ceased collection toward this debt so XXXX should remove this account completely off my credit report since they referred this debt to Jefferson and Jefferson is stating they do no have ownership of this debt and Ive made multiple attempts to reach out to onemain to remove this inaccurate information from my credit file.

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

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
Reached out to XXXX XXXX and company informed me that they have ceased collection towards this debt company stated " This is in response to the complaint we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the Onemain Financial debt that we acquired in her name, which is now associated with XXXX Reference # XXXX. We have reviewed our XXXX XXXX XXXX , XXXX records, and records do not reflect receiving a request for validation of this debt directly from XXXX XXXX prior to this complaint. However, in an effort to resolve this matter, we have closed our file and terminated collection efforts on the debt. XXXX XXXX XXXX , XXXX has not reported this debt to the credit bureaus. Thank you for the opportunity to respond. " Onemain should remove debt since XXXX XXXX XXXX has ceased collection toward this debt so Onemain should remove this account completely off my credit report since they referred this debt to XXXX and XXXX is stating they do no have ownership of this debt and Ive made multiple attempts to reach out to onemain to remove this inaccurate information from my credit file.

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: EQUIFAX, INC.
State: OR

Complaint narrative:
all three credit reporting agencies have discrepancies that need to be addressed.

Company response to consumer: Closed with non-monetary relief