vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My car contract is with XXXX XXXX XX/XX/XXXX. I have paid my car payments every month. 
XXXX XXXX continuously since XX/XX/XXXX fails miserably and refuses to post my monthly car payments on all credit bureaus and correct balance. 
XXXX XXXX continuously posts false information about my account to all XXXX credit bureaus to lower my score. 
XXXX XXXXXXXX continuously posts false information and changes name to XXXX XXXX XXXX, old name in XXXX on XXXX. 
XXXX XXXXXXXX is overcharging me monthly interest and I want a recalculation. 
XXXX XXXXXXXX is not increasing my credit score but DESTROYING my credit score with FRAUDULENT business practices. 
XXXX XXXXXXXX has violated FCRA, 5 USCode 706, and ARS 44-1521 et seq., AZ Consumer Fraud Act.

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 2024-05-09 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:
In accordance with the Fair credit Reporting Act. These hard inquiries have hurt my credit, and violated my rights. These are the inquiries that have lowered my credit score. 

XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written permission, so these inquiries we're done illegally, because I did not give anyone permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
In accordance with the Fair credit Reporting Act. These hard inquiries have hurt my credit, and violated my rights. These are the inquiries that have lowered my credit score. 

XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written permission, so these inquiries we're done illegally, because I did not give anyone permission to pull my credit.

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 2024-05-09 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I gave Bestegg permission to report to the XXXX party agency but In regards to reporting negative items, According to 12 CFR 1016 and 15 USC 6802-6805. A consumer may exercise the right to opt out at any time. I am exercising my right to opting out. Any consent I have given whether implied spoken, unspoken, written, unwritten or otherwise is revoked and rescinded immediately and indefinitely. 

Removal of all derogatory items. 
Bestegg Shall remove all late payments past, present and futurefrom my credit report.15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. XXXX ) All inaccuracy gives reason to delete late payments past present and future. XXXX ) No permissible purpose FCRA 15 USC 1681b ( a ) ( 2 ). 4 ) Privacy Act 1974 Violation. XXXX ) 15 USC 1666b Can not be reported late under an open end consumer credit plan for any purpose. Truth in lending defines open end consumer credit plan as payable in more than XXXX installments. consumer credit reporting companies can not report income on the credit report. 
BestEgg Late Payment Status I maintain that this information is solely related to transactions or experiences between myself and the reporting entity. It should be excluded from my consumer report in accordance with the FCRA 's Section 1681a, Exclusion ( A ) ( i ). I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions. Please remove the disputed information from my consumer report or update the disputed information to Paid on time /never late and provide me with a revised copy of my credit report that accurately reflects the exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: WV

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-05-09 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: MS

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Opportunity Financial, LLC
State: OK

Complaint narrative:
I was looking at a loan through XXXX and they submitted my information for OppLoans by OppFi I have no idea who this company is but this is what they offered me it was the only offer over and over and over Overview Loan amount : {$2400.00} Monthly payment* : {$440.00} APR* : 159.99 % Term* : 10 months Interest and fees : {$2000.00} Total cost i : {$4400.00} XXXX thought no way its 159.99 % interest rate so I opening the offer and it stayed the same. This is insane and usurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/XXXX I talked to XXXX XXXX XXXX who purchased the debt from Barclays. I did a pay to delete to resolve the account. The account is paid in full. I was promised and given a letter that the account and the Barclays account would be deleted from my credit and no longer appear as a negative mark since I paid in full. It has been over two months and they have not removed it from my credit. I have talked to them on the phone and they have stated that it should have been removed. The negative remark on my credit still shows. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

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 BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been settled. 

Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX, XXXX can not control how fast the credit reporting agencies process requests. 

*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 

If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are Mon. to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for resolving this account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Representative

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 2024-05-09 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: GA

Complaint narrative:
XXXX reporting late payment from XXXX on XX/XX/XXXX for {$1000.00} XXXX reporting late payment for XXXX XXXX XXXX on XX/XX/XXXX {$3500.00} TransUnion reporting late payments for XXXX  on XX/XX/XXXX {$3500.00} and XXXX XXXX XX/XX/XXXX {$1000.00} All are fraudulent accounts and need to be removed from credit report

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Innovis reporting late payment from XXXX on XX/XX/XXXX for {$1000.00} XXXX reporting late payment for XXXX XXXX XXXX on XX/XX/XXXX {$3500.00} XXXX reporting late payments for XXXX  on XX/XX/XXXX {$3500.00} and XXXX XXXX XX/XX/XXXX {$1000.00} All are fraudulent accounts and need to be removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As a federally protected consumer I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It has come to my attention that XXXX XXXX XXXX XXXX has been engaging in illegal reporting practices, specifically stating that accounts are closed every 7 days. This not only violates the FCRA but also constitutes harassment under the FDCPA. 

According to the FCRA, each violation may result in a settlement of {$1000.00}. Therefore, I demand compensation for the damages incurred due to these repeated violations.

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 2024-05-09 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: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Account doesnt belong to me inaccurate reporting to credit bureaus

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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
there was a 1099-c form file cancelation of debt, so this should no longer show as debt on my credit report

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 2024-05-09 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
there was a 1099-c form file cancelation of debt, so this should no longer show as debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
there was a 1099-c form file cancelation of debt, so this should no longer show as debt on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
As a federally protected consumer I am writing to file a formal complaint against Navy Federal Credit Union for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It has come to my attention that Navy Federal Credit Union has been engaging in illegal reporting practices, specifically stating that accounts are closed every 7 days. This not only violates the FCRA but also constitutes harassment under the FDCPA.

According to the FCRA, each violation may result in a settlement of {$1000.00}. Therefore, I demand compensation for the damages incurred due to these repeated violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

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 2024-05-09 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-09 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-09 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: OR

Complaint narrative:
This account was marked as charged off on the date XX/XX/2022. Since then, it has consistently been reported as charged off every month. This constitutes an update in the payment history. A charged off account should NOT have an active payment history. This erroneous information inaccurately extends the statute of limitations. Despite my two requests, you have failed to properly investigate this account, resulting in a violation of my rights due to negligence. I demand the deletion of the following account details : Account Name : XXXX XXXX Account Number : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
This account was closed on the following date : ( XXXX ). Since then, the account has repeatedly been updated as current every month. This is an updated in the payment history. A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
XXXX XXXX drect deposited my check on XXXX XXXX money was stolen from account Filde dispute XXXX money was returned a few days later .The same day money was returned it was stold by same person again I file a dispute once again was told a new card was sent out again it takes 7-10 days that is card number XXXX account under investigation again now it frozen a bank won't give me any info on why account was frozen and under investigation again why it's the same person that took the money the first time I was told to move my money to another bank or pre-paid card I didn't have any were to move it. A few hours later account was released before I even got a new card in hand this same lady stold my money for the 3 time now my account has been frozen again for investigation why are you holding my money now the account has been closed and im told it will take about 30 to go throw investigation and send out check .. how did this person have access to my account when I didn't have not one of the 3 cards sent to me by bank??? Here it is XXXX XXXX and I still have not received the money that had been stolen from me i have been unable to get any answer from any one at the bank... I need help to find out why this person has been given my check 3 times and I have not been allowed access to my money at all for now 3 months.???

Company response to consumer: Closed with explanation