vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX - XXXX ACCOUNT : XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX ACCOUNT : XXXX XXXX XXXX - XXXX XXXX  - Account XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - Closed - Balance - {$0.00} _______________________________________________________ INQURIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g CODES STUDENT LOANS 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX  ) - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX ACCOUNT : XXXX XXXX XXXX - XXXXXXXX XXXX - Account number XXXX XXXX Reported : XXXX. XXXX, XXXX - Closed - Balance - {$0.00} _______________________________________________________ INQURIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g CODES STUDENT LOANS 15 USC 1681 C-2 LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX  - {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I received a notice from XXXX stating that they were ( rating me ) increasing my premium. I had been with XXXX for 13 years with automatic payments since day 1, no accidents, no violations, no change in coverage, persons, or vehicles insured. I called XXXX, asked why, and was told it was a credit decision. My credit score was higher at that point than it was when I had gotten the policy. I then shopped around, found new insurance, that started on XX/XX/XXXX. On the XXXX, I called and let XXXX know I was canceling my policy. XXXX continued to bill me on XXXX, XX/XX/XXXX, and XX/XX/XXXX. It was XX/XX/XXXX when I noticed the charges. I had my bank reverse the XX/XX/XXXX charge and called and emailed XXXX with proof of insurance ( Declarations Page ) from another company beginning XXXX the XXXX. I have since called XXXX XXXX more times and emailed proof of my other coverage, yet they still say I owe {$420.00}. And my policy cancelation date is now listed as XX/XX/XXXX. And I will be turned into a collection agency if I do not pay it. {$150.00} was my premium, if XX/XX/XXXX is the date it is cancelled, and I cancelled a prepayment on XX/XX/XXXX. How could I owe {$420.00}. If I cancelled in XXXX, and paid two more premiums, why would they not owe me? This is unfair leverage from a company over a consumer. They can turn me into a collection agency and ruin my credit, over a disputed amount, when I have documentation, and emails of my correspondence without any response from them? XXXX XXXX XXXX  XXXX XXXX, I dont have the time or money to continue to battle unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$15000.00}, XXXX XXXX balance {$12000.00}, XXXX XXXX balance {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$15000.00}, XXXX XXXX balance {$12000.00}, XXXX XXXX balance {$0.00}.

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 explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I am writing to follow up on a previous dispute regarding inaccurate information on my credit report. Despite my formal request for investigation, you have responded that the information in question has been verified and updated. However, upon reviewing my credit report, I find that the inaccuracies remain unresolved. 

This response is unacceptable and constitutes a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : Section 611 ( a ) ( 1 ) : You are required to investigate disputed items and correct or delete any information that can not be verified with 100 % accuracy. 

Section 623 ( a ) : The information provided by the data furnisher must be accurate, yet the errors persist. 
The inaccuracies in question include : 1. Incorrect dates.

2. Inaccurate balances.

3. Payment history errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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 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 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 2024-12-17 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  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, XXXXXXXX XXXX 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 2024-12-17 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: MN

Complaint narrative:
My credit score has dropped in the last few months from mid XXXX 's to XXXX! We are in the process of moving our investment and cash accounts to XXXX from XXXX XXXX. We are completely debt free. We pay off all credit cards in 30 days, or sooner. We have excellent cash and investment resources. All our payments are on time with no issues. Our payment score is excellent on all 3 credit agencies : XXXX, XXXX Equifax. I have worked hard my whole life to maintain a high credit rating. Please help me restore my good rating. I want them each to acknowledge my transition the very least, and restore my high rating. There should be no reason my moving banks/institutions should impact my good score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MN

Complaint narrative:
My credit score has dropped in the last few months from mid XXXX 's to XXXX! We are in the process of moving our investment and cash accounts to XXXX from XXXX XXXX. We are completely debt free. We pay off all credit cards in 30 days, or sooner. We have excellent cash and investment resources. All our payments are on time with no issues. Our payment score is excellent on all 3 credit agencies : XXXX, XXXX Equifax. I have worked hard my whole life to maintain a high credit rating. Please help me restore my good rating. I want them each to acknowledge my transition the very least, and restore my high rating. There should be no reason my moving banks/institutions should impact my good score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: NC

Complaint narrative:
Police report filed many years ago this account was included in the police report. This account was removed from my credit previously with the help of CFPD. However this account was sold to Oliphant recently. I notified Oliphant in writing with zero response & over 30 days ago. I am filing a 2nd dispute with XXXX to remove this account. It was not mine. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This section requires credit reporting agencies to block any information that a consumer identifies as resulting from identity theft within four business days upon receipt of a valid identity theft report. 
I have enclosed a copy of my identity theft report filed with the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, to support my identity theft claim. The information in question on my credit report is the result of identity theft and should therefore be blocked. 
The account listed below is fraudulent and does not belong to me. Under the applicable law, I request that this account be removed from my credit report immediately and that you provide me with written confirmation of the deletion of this information. 
Fraudulent Account to Be Deleted : Account Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: LA

Complaint narrative:
The contract with Koalafi is unethical. It's confusing and it is set to financially hurt me more than it has helped me. 

My car kept breaking down leaving me stranded on the Interstate so I needed car repairs asap. No one could figure out what was wrong so I went to the dealership. When XXXX wanted to replace my battery and belt, I couldn't pay upfront, and I don't have a credit card. I was offered a possible financial arrangement so I could leave with my car that day. I asked the desk attendant if there was interest included. She said, " No. '' From there I began to receive emails from Koalafi. 

I received so many confusing emails that said " will expire soon '' " you have 15 days '' which to me is trying to rush someone into a decision. I had to make a decision at the dealership with no alternate mode of transportation. I chose to trust XXXX, unfortunately, even though the details were confusing. I had to get accepted and agree before they would work on my car -- and I travel/drive for work. 

I had no other choice. It says " lease-to-own '' which doesn't make sense for car repairs and they had a " return '' policy so I thought I was protected. 

When I called to say I didn't want the service anymore, they said I had to pay them {$300.00}. Now, I'm stuck. They are already making money off of me. I thought when THEY setup a {$70.00} bimonthly payment plan that it put me at paying it off on time. Instead they are going to charge me 3 times the amount that my car costs if I pay $ XXXX  monthly. They SET ME UP to make HUNDREDS of dollars off of me. I am struggling financially which is why I needed the service. The car bill was {$590.00} so the " Rental Purchase Agreement '' doesn't even make sense. On some docs I owe {$720.00} on others is says {$820.00} and on another it says {$780.00}. I can not continue to have {$140.00} deducted from my paychecks monthly. I believe that this is a scam, and it is unethical to pretend like you are helping people and then being able to charge them triple just because they didn't have the money upfront. After XX/XX/XXXX, I will be forced to pay them around {$1600.00}. 

Koalafi has not given ANY resolution to this matter. They have offered for me to call the customer service line which is what I have done multiple times already. This is not a solution which is why I filed a XXXX  complaint. They sent an email to me LYING and saying that someone has tried to reach out to me. This is not true.

Company response to consumer: Closed with explanation