vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FCC Finance, LLC
State: GA

Complaint narrative:
Harassment and Unfair Lending Practices by FCC Finance Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against FCC Finance regarding their ongoing harassment and what I believe to be unfair lending and collection practices. 

In XX/XX/XXXX, I took out a loan with FCC Finance in the amount of {$6000.00}. Since then, I have been making consistent monthly payments of {$150.00} without fail, missing only XXXX payments due to a simple oversight when funds were not transferred to the proper account. Despite these XXXX minor lapses, I have remained committed to honoring my financial obligation. 

I want to highlight that I have been paying diligently for over XXXX years, totaling approximately {$5500.00} in payments to date. However, despite making nearly the full amount of the original loan, I am still being told that I owe a remaining balance of {$3100.00}. This figure seems excessively high in interest especially considering the amount I have already paid. I am deeply concerned about the transparency of this loan and whether the applied interest and fees are fair and lawful. 

Adding to this, I was laid off from my job in XX/XX/XXXX, but I have continued to prioritize this loan and make payments even in difficult financial circumstances. When I recently missed XXXX payments due to this hardship, I proactively reached out to FCC Finance to explain my situation and seek a reasonable resolution. Unfortunately, they have shown no empathy or willingness to work with me. 

What has been most distressing is the sheer volume of harassment I have endured. In the past 7 days alone, I have received XXXX phone calls from FCC Finance. This level of harassment is unacceptable, invasive, and emotionally exhausting. I feel trapped and bullied despite my clear track record of good faith payments and communication. 

I am respectfully requesting that the Consumer Financial Protection Bureau investigate this matter and intervene. I am seeking relief from the harassment, a fair review of my loan balance, and a reasonable resolution considering the circumstances. Yesterday alone, they've called me XXXX times, Wednesday XX/XX/XXXX they called me XXXX times, XX/XX/XXXX they called me XXXX times, XX/XX/XXXX XXXX times XX/XX/XXXX 7 times and i have to block them because the calls are overwhelming. I have times stamps of all calls. 

Thank you for your attention to this matter. I trust that you will handle this complaint with the seriousness it deserves. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

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 2025-03-28 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

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 2025-03-28 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: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today, XX/XX/XXXX, I received a notice from the California Department XXXX XXXX XXXX that a check I had written to pay registration fees had been denied payment. This was the first I had heard of a problem. I got on line with Capitol One XXXX checking to look at my statement which is electronic only and I usually don't look at it because I don't write very many checks on the checking account feature. The statement showed that check # XXXX written to the CA XXXX for {$2400.00} had been submitted for payment from the CA XXXX and cleared since there were sufficient funds in the account ( almost $ XXXX ). The statement notes that the check was " cashed '' on XX/XX/XXXX. Just above that the same check # XXXX is noted as " cashed reversal '' on XX/XX/XXXX. 

When I asked customer service about it he simply stated that I had been called about the check but I had not " picked up my phone. ". My phone records show that I received XXXX text messages that to me at the time looked like a phishing text since Capitol One XXXX checking was not identified. It is just a text with a link and a request to call an XXXX #. I ignored these XXXX messages. A third message came of a similar sort but asked me if a check I had written ( unidentified ) was actually from me. I thought about the checks I'd written in the past few weeks -- only XXXX for the XXXX and answered " Y '' to the text msg query for " Y or XXXX '' answer making an assumption that it was the only check I'd written lately. Frankly I found this whole approach sketchy and misleading. And I had no way of knowing the XXXX texts were from Capitol One. I am guessing in hindsight that these texts were what the representative was referring to when he said I did not " pick up the phone ''. He implied a phone call but I didn't receive a phone call or voice mail from Capitol One. 

When I pressed the customer service representative for an explanation he simply repeated that I had not " picked up the phone '' to verify the check was legitimate so it was refused. XXXX was dumped in my lap. 

As a result of Capitol One 's assumption that a check with my signature and written to a state government office was not legitimate and then dropping the ball in their query about verifying the check, I have to pay the California Department XXXX XXXX XXXX a service fee and penalty totaling {$370.00}. That is a stiff penalty for not having made any mistake at all. The customer service representative naively told me that if I could get the CA XXXX on the phone with him he would explain the situation to them in hopes of mitigation. I can not get the CA XXXX on the phone even for questions I might have regarding registration procedures or anything else. Their offices are now open only XXXX days a week and everything is done on-line I would like compensation from Capitol One in the amount of {$370.00}. 
Thanks for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX has had issues since transferring to their new website and is double reporting XXXX of my loans. Ive submitted disputes more than 3 times but Experian keeps saying the info is valid and it isnt.

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 2025-03-28 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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:
Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of XXXX XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX XXXXXXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 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: PA

Complaint narrative:
When I checked my credit report this morning, I noticed some inaccurate accounts that I dont recognize. I review my report regularly, but these errors appeared unexpectedly. I even refreshed my browser to check if it was a system glitch, but the incorrect accounts were still there. Because of this, I am requesting a careful review of the documents I have submitted so that I wont have to deal with this issue again.

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 2025-03-28 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$90.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXXXX/XX/year>

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 2025-03-28 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$90.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief