vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I was surprised to find accounts on my credit report that I have no knowledge of. These accounts are being reported under my name despite me never opening them, which is completely unacceptable. I need an explanation and immediate action to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
CAPITAL ONE BANK HAS BEEN CONTACT SEVERAL TIMES FOR AN EXPLATNON OF WHY THEY WILL NOT RETURN THE AMOUNT OF {$100000.00}. THEY DEAL IN BAD FAITH AND HAVE BASICALLY STOLEN THE MONEY. 

THE ACCOUT TO WHICH THE FUNDS WERE WIRED HAS REQUESTED THE RETURN FO THE FUNDS SEVERAL TIMES AND THEY SAY THEY WILL. THE FUNDS ARE IN THE ACCOUNT, WHICH CAPITAL ONE BANK CLOSED -- DEBANKED THE OWNERE BUT WILL NOT RETURN THE FUNDS. 
WHAT IS THE REASON FOR THE DEBANK IS NONE OF THE BUSINESS OF THIS CORPORATION. 

CAPITAL ONE BANK HAS ALREADY BEEN ACCUSED OF MISLEADING AND FRAUDING CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Debt Holdings, LLC
State: WI

Complaint narrative:
They have repeatedly called me 1-4 times daily as well as sent text messages that were more than the ALLOWED limited content message laws. This is harassment at this point

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I called the number that was on my credit report on XX/XX/year> which was a Credit Collection Service i explained to them that the debt of {$2600.00} did not belong to me that the name on the account did not belong to me and if they could send me some proof the that debt belong to me. They told me to send them a copy of my identification and a copy of my credit report they would try to resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Well the salesman couldn't get us approved through the banks they use, and finally they found one Consumer Portfolio Services, and the salesman pressured us into the loan acceptance by telling us the same thing he said about the truck that it was a one time deal and will be off the table at the end of the day. So we said yes since we couldn't get approved anywhere else and he was trying to force my wife to open up a credit card account at some institution we have never heard of, she refused that. Now the loan itself is unconscionable and is way more than the car is worth, I had a friend look at the loan and she saw online the exact same model year truck and they are not worth in XXXX with XXXX to XXXX miles already on it and it being a XXXX model is worth only XXXX, our loan boasts that the most base model is worth $ XXXX and it has mechanical damage undisclosed to us the days before and the day of pick up, it soon failed on XXXX it was picked up on XXXX. The loans was and is way to much for a vehicle that doesn't and had internal engine problems before they sold it to us. I want out of the loan. And why am I not allowed to even have a copy of the entire loan agreement. All I was given was this single sheet. And why is it that you guys made it impossible to be able to pay off a vehicle that's not worth $ XXXX they are going for well under $ XXXX. Then the salesman had to by law inform your company if the condition of the vehicle in which your company went along with the fraudulent misleading and deceptive sale of a vehicle that has been in some type of incident, seeing that the hood and right quarter panel don't match up!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Home Phone Number : XXXX Employers Name : Date of Birth Disputes XXXX - - XXXX - Provide me documentation that this is my account XXXX XXXXXXXX XXXX - - XXXX - This is too old to be reporting on the credit file XXXX XXXX - - XXXX - Provide me documentation that this is my account XXXX - - XXXX - I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX - - XXXX - Provide me documentation that this is my account XXXX - - XXXX - I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX - - XXXX - Account holder was never late on these dates XXXX XXXX - - XXXX - Provide me documentation that this is my XXXX XXXX XXXX - - XXXX - This is too old to be reporting on the credit file XXXX - - XXXX - This is too old to be reporting on the credit file XXXX - - XXXX - There is no permissible purpose for this inquiry. 
XXXX XXXX - - XXXX - There is no permissible purpose for this inquiry. XXXX XXXX XXXX - - XXXX - There is no permissible purpose for this inquiry. XXXX - - XXXX - There is no permissible purpose for this 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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FDR Asset USA LTD
State: NE

Complaint narrative:
XX/XX/year> - Received multiple calls from XXXX, they would not tell me what the call was about. They would only give me the name of the company ( FDR Alliance ) and that they " handle personal issues for people ''. The operator was rude and insulted me for not wanting to give my name. I asked them to stop calling and they continued to call my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding the actions of the three major credit bureaus ( Equifax, Experian, and TransUnion ) in relation to inaccurate late payment reporting on my credit report from XXXX Student Loans, XXXX  XXXX, and XXXX XXXX. I believe that these actions constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under the following provisions : 1. 15 U.S.C. 1681 Section 602 - This section affirms my right to privacy concerning my credit information.

2. 15 U.S.C. 1681 Section 604 ( 2 ) - This section specifies that a consumer reporting agency can not furnish my account information without my written instructions.

3. 15 U.S.C. 1666b - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.

The late payment reported on my credit report is associated with accounts that have been closed for over four years. I have not received any notification from the creditor stating that I was late on payments, specifically the required 21-day notice prior to marking the account late. Therefore, I believe this late payment entry is erroneous and constitutes a billing error.

As a consumer, I am entitled by law to demand proof from the creditor that substantiates the claim of a late payment. I ask for hard evidence showing that I did not make the required payments, which I believe will demonstrate that the late payment marking is unfounded.

Given the violations I have outlined, I request that the late payment entries on my credit report be deleted immediately. If this matter is not resolved satisfactorily, I will consider pursuing monetary compensation for the violation of my rights under 15 U.S.C. 1681n in small claims court in my city and state.

I have already filed complaints with the State Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission regarding this issue. I expect prompt attention to this matter and a resolution in accordance with the law. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is not my account. 
BARKLAYS BANK XXXX XXXX This account was part of identity theft. 

I need this removed from my credit reports 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 explanation
Consumer complaint received 2025-02-19 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 writing to formally dispute Experian and Equifax for incorrect items on my credit report, failure to investigate a dispute and unauthorized access to my credit report. This matter constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681o, which holds parties civilly liable for negligent noncompliance with the statute.

According to the FCRA, entities handling consumer credit information must ensure accuracy, fairness, and privacy in reporting. However, I have found that your organization has failed to meet these obligations in the following ways : Failure to correct inaccurate information after notification, failure to conduct a reasonable investigation and improper disclosure of credit information.

This negligence has resulted in harm, including but not limited to financial loss, damage to my creditworthiness, and emotional distress. Pursuant to 15 U.S.C. 1681o, I am entitled to recover actual damages sustained due to this negligence, as well as reasonable attorneys fees if legal action becomes necessary.

To resolve this matter, I request that you : Immediately correct the inaccurate information, delete derogatory marks and hard inquiries, and provide written confirmation of the correction.

Conduct a proper investigation into this matter as required under the FCRA.

Provide a detailed response within 30 days of receipt of this letter, outlining the corrective measures taken.

If this matter is not resolved promptly, I may have no choice but to escalate this issue through legal channels, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights under the FCRA.

I expect a written response within the statutory timeframe. Please send all correspondence regarding this dispute to the address listed above.

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 2025-02-19 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:
TransUnion has failed its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer.

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 2025-02-19 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-19 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau Services, Inc.
State: ID

Complaint narrative:
Medical insurance was filed and paid. 
I do not owe for this. Also, this is medical and does not lawfully need to be 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 2025-02-19 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: FL

Complaint narrative:
Upon reviewing my consumer reports, I identified inaccuracies regarding late payments reported on two accounts for which I have consistently maintained timely payments. As Consumer Reporting Agencies are entrusted with ensuring the accuracy of consumer information, it is essential that all reported data reflects the utmost precision. 

The accounts in question are as follows : XXXX XXXX  : Account Number ending in XXXX XXXX XXXX XXXX  XXXX Account Number ending in XXXX I have never missed a payment on these accounts and request a thorough investigation into these discrepancies. To support your findings, I ask that you provide evidence, such as account statements, verifying the reported lateness of these payments. 

If you are unable to furnish such proof, I respectfully demand that the records for these payments be promptly corrected to reflect their accurate status as on-time. I have consistently fulfilled my payment obligations without delay, and it is critical that my credit report reflects this commitment. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Universal Fidelity LP
State: VA

Complaint narrative:
Being charged for XXXXXXXX XXXX  I don't remember receiving this item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
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 XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681c ( c ).

and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX I tried to hire a company to help me invest in a portfolio. They did not provide the service and never created a real investment account. After realizing I was not going to get my service, I reported this to my bank and was told there was nothing that can be done.

Company response to consumer: Closed with explanation