vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
( Original Creditor : XXXX XXXX ) XXXX* Balance : {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
( Original Creditor : XXXX XXXX ) XXXX* Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This is the last time im going to say this. Next step will be to file law suit.. PROVIDE ME PROOF THAT I OWE YOU!!!! I dont care about an account statement that will not hold up in court. You are not XXXX  XXXX and you can not speak on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated contact with XXXX  regarding an outstanding debt. I requested that they validate the debt in accordance with legal requirements by providing me with the original assignment and documentation proving their right to collect the debt. Upon receiving the documentation, I discovered that it consisted solely of a few billing statements from the original debtor. 
I subsequently contacted XXXX to inform them that I had not received the necessary documentation required by federal law. They responded by stating that they were not obligated to provide the required paperwork, but rather only the documentation mandated by the State of New York, which I was unfamiliar with. 
I requested that XXXX remove the debt from my credit report since they were unable to validate the debt. At that time, I was informed that they would continue to report the debt until 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 2025-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: OK

Complaint narrative:
Appeared on credit without notifying, don't who know they are never heard of them very threatening and abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
Inquires were made that I didn't approve. 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally file a complaint against Experian, XXXX and XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 6 ) ( B ) ( iii ), which relates to the requirement that consumer reporting agencies must provide the relevant information about the results of any reinvestigation into disputed items on my credit report. I have made a written request to Experian, XXXX and XXXX for specific information regarding a dispute I filed under the FCRA, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite my request, Experian, XXXX and XXXX has failed to provide the required documentation or a valid explanation within the legally mandated time frame.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-06 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-06 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I returned the vehicle and they are still showing a balanced owed. They refused to do a settlement as requested when I tried to get it refinanced. Was unable to come to an agreement and was told if I returned the car it would be removed from my credit and be an owner surrender. Now there still charging me for a car that was returned. I sent a certified letter and it came back not deliverable address- unable to forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2025-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX. XXXX XXXX XXXX submited by mistake an inquiry for a credit to Capital One Auto Finance on our behalf ( Me and my wife ) I contacted Capital One Auto Finance to dispute the inquiry that is already in my credit report. 

Capital One Auto Finance sent me the first generic letter on XXXX XXXX XXXX saying that they will not take any actions to remove the inquiry unless I provided more information, including a letter from the dealership explaining that the inquiry was due to an error. 

I provided all the required information to Capital One Auto Finance including a letter from the Finance Manager at XXXX XXXX and they received them on XXXX XXXX XXXX. ( USPS XXXX ) On XXXX XXXX XXXX Capital One Auto Finance sent me another generic letter requesting the same exact information that I submitted on XXXX XXXX XXXX 
I have try to contact them to ask them why they requested the same information that I just sent, I call them to the number listed on the letter but the operators keep transferring me from department to department without resolution. 

Capital One Auto Finance did not provide a clear answer on why they have not fix the error nor provide any update in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
I am writing to formally request your assistance in removing negative reporting activity associated with the company XXXX XXXX account number XXXX from my credit report. This request is being made pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681c-2, which provides protections for consumers in cases of inaccuracies or disputes.

The matter in question has already been disputed directly with XXXX XXXX, but their failure to address it appropriately has caused continued harm to my credit profile. The inaccurate reporting has led to the following consequences : Denial of credit applications. 
Embarrassment and damage to my reputation and my mental health. 

The negative reporting is not only unjustified but also a violation of my rights under the FCRA. In accordance with Section 605B, I respectfully request the removal of all negative entries related to this matter from my credit report. 

Thank you for your assistance in protecting my consumer rights and ensuring the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
I am writing to formally request your assistance in removing negative reporting activity associated with the company XXXX XXXX account number XXXX from my credit report. This request is being made pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681c-2, which provides protections for consumers in cases of inaccuracies or disputes. 

The matter in question has already been disputed directly with XXXX XXXX, but their failure to address it appropriately has caused continued harm to my credit profile. The inaccurate reporting has led to the following consequences : Denial of credit applications. 
Embarrassment and damage to my reputation and my mental health. 

The negative reporting is not only unjustified but also a violation of my rights under the FCRA. In accordance with Section 605B, I respectfully request the removal of all negative entries related to this matter from my credit report. 

Thank you for your assistance in protecting my consumer rights and ensuring the accuracy of 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 2025-01-06 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: OneMain Finance Corporation
State: FL

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ONEMAIN I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 
It has unequivocally come to my attention that ONEMAIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for ONEMAIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that ONEMAIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I SUBMITTED TO THE BANK THE SILVER SURETY SIGNED BY THE TRIBAL MEMBERS FOR THE CORECTION OF ANY ERRORS ON THIS ACCOUNT. THEY REICEVED THE XXXX # ISSUED BY THE TREASURY FOR THE PASSTHROUGH ACCOUT TO BE ESTABLISHED. THEY REFUESED TO APPLY IT TO THE ACCOUT. 

THE SILVER SURETY CLEARLY STATES THAT I AM A MEMBER OF THE TRIBE AND OUR CURRENCY IS SILVER. THE BANK HAS REFUSED TO OFFER THE CURRENCY OF THE LAND WHICH IS 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I had XXXX back in the summer of XXXX. 
USAA has been outstanding to me. I received a 30 day payment during that time. I was wondering could it be forgiven

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 2025-01-06 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fradulent accounts on my report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: SC

Complaint narrative:
I have discovered several inaccuracies on my credit report and have formally demanded that Equifax immediately investigate and correct the following discrepancies, as required by U.S. law under the Fair Credit Reporting Act ( FCRA ) : Incorrect Payment History : I found that certain accounts, including from XXXX  and XXXX  XXXX, are inaccurately reporting late payments when, in fact, I have never been late. I have requested that these accounts be updated to reflect " paid as agreed '' or " never late, '' in compliance with 15 U.S. Code 1681a ( 2 ) ( i ), which governs exclusions on transactions. 

Debt Validation Requests : Several accounts, including those from XXXX XXXX XXXX, XXXX XXXX, and T MOBILE, have not provided sufficient proof of the alleged debts. In accordance with 15 U.S. Code 1692g, I have requested that the debt collectors provide documentation validating these debts, including the original contracts and any other relevant proof. If they fail to provide the necessary documentation, I have demanded the removal of these items from my credit report. 

Unauthorized Hard Inquiries : There are unauthorized inquiries from XXXX XXXX, XXXX, and XXXX that I have requested to be deleted, citing 15 U.S. Code 1681b ( a ) ( 2 ), which limits the permissible purposes for consumer reports.

Incorrect Personal Information : I have also disputed incorrect addresses listed on my credit report, specifically in relation to two addresses in XXXX, SC, which do not belong to me. 

Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and correct any inaccurate or incomplete information within 30 days. Failure to do so is a violation of federal law, and I have warned Equifax of the potential for legal action if they fail to meet their obligations. Furthermore, I have cited previous case law, such as XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, which emphasize the need for credit bureaus to conduct thorough investigations beyond superficial checks. 

Should Equifax fail to resolve these issues within the legally mandated timeframe, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or pursuing legal remedies. I expect a full investigation and written confirmation of their findings, along with an updated credit report reflecting the necessary corrections. 

I have made it clear that I will not tolerate any delays or negligence in addressing these matters.

Company response to consumer: Closed with non-monetary relief