vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am writing to formally request assistance from the Consumer Financial Protection Bureau regarding an inaccurate credit reporting issue that is negatively impacting my credit history. 

I reserved and paid for a monthly rental of an XXXX  through XXXX XXXX XXXX  ( contact number : XXXX ). Instead of the XXXX I had reserved, I was provided with a damaged sedan. The rental branch closed immediately after I picked up the vehicle, preventing me from addressing the issue directly. Additionally, the XXXX  had a strong odor and a rough driving feel, raising significant concerns about its condition. 

Upon returning the vehicle, I reported these issues to an agent at the airport. Despite my efforts to resolve the matter, I was later informed that my case was handed over to a collection agency, XXXX XXXX XXXX  ( XXXX, Account Number : XXXX ), which has adversely affected my credit score with TransUnion.

The collection has caused me significant stress and has negatively impacted my credit record, which was previously in good standing. I have attempted to resolve this issue with XXXX, but my concerns have not been adequately addressed. I have also informed them that I paid with a XXXX that provides incident coverage and that I have rental insurance through XXXX, yet they did not contact either party for assistance. 

Given the circumstances, I kindly request that the Consumer Financial Protection Bureau reach out to TransUnion directly to facilitate the removal of this inaccurate collection from my credit history. It is essential for my credit report to accurately reflect my financial behavior, and this collection is unjustly affecting my standing. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this issue promptly.

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Michigan, XXXX XXXX XXXX XXXX XXXX Midland Credit Management ( acct # XXXX ) XXXX XXXX XXXX XXXX, Michigan, XXXX Subject : Cease and Desist Demand Dear Midland Credit Management I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your recent correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. 

Please consider this letter a formal demand to cease all communications regarding this matter. I am not acknowledging the validity of the debt, and I request that you provide me with validation of the debt if you believe it to be valid. I am requesting the Puchase Agreement and Flow Foward Agreement.

Should you continue to contact me after receiving this letter, I will not hesitate to report your actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was charged XXXX XXXX DOLLARS for overdraft fees in the last XXXX hours. This is outrageous, cruel, unusual, and insane. I demand these be reversed so that I can bring the actual negative balance of {$54.00} back to zero so I can close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate : 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 explanation
Consumer complaint received 2025-01-25 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and seek resolution under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 1681o, which addresses civil liability for negligent noncompliance.

I recently reviewed my credit report, and I identified inaccurate information I kindly request that you : 1. Investigate these inaccuracies promptly as required under 1681i of the FCRA.

2. Provide me with a written statement of the results of your investigation and a copy of my updated credit report.

3. Remove or correct the inaccurate information if your investigation confirms my claim.

Failure to address this matter accurately and in compliance with FCRA requirements may result in liability for damages under 1681o, including actual damages, costs, and attorneys fees. 

Please confirm receipt of this letter within 10 days and inform me of the steps you are taking to resolve this dispute. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
It is illegal to report transactions history. Also Improper sharing of my personal financial information is a violation of my rights under 15 U.S.C. 6802-6805 of the Gramm-Leach-Bliley Act. Failure to Provide Opt-Out Opportunity 15 U.S.C. 6802.Under the GLBA, financial institutions are required to provide consumers with the opportunity to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have not been provided with a clear and conspicuous notice of my right to opt out, as mandated by 15 U.S.C. 6802 ( b ) .15 U.S.C. 6803. Section 6803 requires financial institutions to provide annual privacy notices that explain their policies for sharing personal information and the methods by which consumers can opt out. I have not received adequate or consistent privacy notices, and my nonpublic personal information appears to have been shared without proper authorization.Violation of Consumer Rights under 15 U.S.C. 6805 I am requesting CFPBs intervention to enforce my rights and ensure compliance by XXXX XXXX per the terms and conditions. Which states Regions wont share my nonpublic personal information with nonaffiliated third parties. Any unnecessary or unauthorized disclosures of my personal and financial information under the GLBA. Require XXXX, XXXX, XXXX to honor my opt-out request under XXXX XXXX. XXXX ( b ). Investigate whether XXXX XXXX is in compliance with the privacy and opt-out requirements under 15 U.S.C. 6802-6805. Also Ensure that my nonpublic personal information is no longer shared without proper authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> I am writng to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. Iam aware of my rights under the Fair Credit Reporting Act and request athorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Protection Bureau filed a lawsuit against XXXX for failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practies. These practies, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previosly disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results. I am deeply concerned that my disputes may have been mishanlded in a similar manner.

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 2025-01-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/2025 I am writng to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. Iam aware of my rights under the Fair Credit Reporting Act and request athorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Finacial Protection Bureau filed a lawsuit against XXXX for failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practies. These practies, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previosly disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results. I am deeply concerned that my disputes may have been mishanlded in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX BALANCE {$600.00} CLOSED XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX BALANCE {$110.00} CLOSED XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XX/XX/XXXX BALANCE XXXX CLOSED LATE PAYMENTS

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 2025-01-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Delta SkyMiles Gold Amex Card Earn XXXX XXXX Bonus XXXX For The Value-Seeking Traveler Get special benefits like your First Checked Bag Free on Delta flights2 *After you spend {$2000.00} in purchases on your new Delta SkyMiles Gold Amex Card in the first 6 months. Offer ends XX/XX/XXXX, XXXX1 Enjoy an introductory annual fee of {$0.00} for the first year, then {$99.00} Rates & Fees. 


I spent the {$2000.00} and they never gave me my points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
ISSUE Improper use of your report In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : Account 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  has violated my rights. 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 : It also states a 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 inaccurate.

Inaccurate Information on my credit report, 15 U.S CODE 1681s-2 A person shall not

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX at XXXX i went to the capital one atm located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to withdraw some cash in the sum {$670.00} and the atm retained my funds because the dispense tray door didn't open and an message came across the screen stating i wouldn't be charged but I was debited the {$670.00} and I contacted and visited capital one to no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicing Solutions, LLC
State: AZ

Complaint narrative:
REQUEST FOR DEBT VERIFICATION XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX Account # XXXX Servicing Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Dear Sir, I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount. Including, full detailed list of payment history on this account, I want to see the original signature that I agreed to on the contract for this creditor. Has there been any insurance claim found on this debt? I want to see the chain of title that you have to collect on this debt. Any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agencies. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. E-mail, etc.. I am aware of the request for payment by your company and any further telephone, e-mail, etc. communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 
I appreciate your efforts in this matter and look forward to your response. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding errors on my credit report that have resulted in an inaccurate credit score. Despite my attempts to resolve the issue directly with the credit reporting agencies and debt collectors involved, the disputed items remain unresolved. Debts remain impacting my score despite not being given proof of debt, debt validation etc. These inaccuracies are affecting my creditworthiness and causing significant harm to my financial situation. I have requested verification of the disputed debts, but have not received sufficient documentation or evidence supporting the claims made. I am seeking the CFPBs assistance in ensuring a thorough and fair investigation into these discrepancies, so that they can be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that the necessary actions be taken to remove or amend the erroneous entries on my credit report and that a resolution be reached promptly to mitigate further damage to my credit standing. 

Following errors : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 2025-01-25 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding errors on my credit report that have resulted in an inaccurate credit score. Despite my attempts to resolve the issue directly with the credit reporting agencies and debt collectors involved, the disputed items remain unresolved. Debts remain impacting my score despite not being given proof of debt, debt validation etc. These inaccuracies are affecting my creditworthiness and causing significant harm to my financial situation. I have requested verification of the disputed debts, but have not received sufficient documentation or evidence supporting the claims made. I am seeking the CFPBs assistance in ensuring a thorough and fair investigation into these discrepancies, so that they can be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that the necessary actions be taken to remove or amend the erroneous entries on my credit report and that a resolution be reached promptly to mitigate further damage to my credit standing. 

Following errors : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 2025-01-25 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: NC

Complaint narrative:
XXXXXXXXXXXX XXXX XXXX, transunion failure to provide evidence of thorough investigation while claiming the account is accurate violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which requires a reasonable investigation of disputes. Additionally, these actions may breach the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) .This is particularly concerning given the consumer financial protection bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) highlighting similar violation by XXXX, XXXX and Transunion. I urge the CFPB to ensure XXXX, XXXX and Transunion adheres to federal law and provides consumer with proper proof of investigation

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