vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$8000.00} to {$12000.00} and another Pay Over Time limit raised to $ XXXXAmerican Express decided to terminate its entire relationship with me in an unprofessional and discourteous manner. 

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships. 

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing. 

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification. 

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
regions mortgage took over my loan from another company, when it came time for my insurance renewal they stated that they could not get a hold of my insurance company and added their own insurance at the cost of {$45000.00} when the previous company had insurance premium of {$1000.00} so more than 4500 % increase, i called and asked why the premium was so high on XXXX, after over an hour on the phone they stated that the previous insurance had a policy were it covered the repair cost of the home based on current value of the home, up to XXXX dollar, the current value is {$240000.00}, regions bank decided to make their own policy for a full XXXX XXXX dollars ( ignoring the value of the home ) just to attempt to defraud me and charge an insane 4500 % increase in insurance premium which is a clear attempt at fraud. 
after discussing the matter with their representitive on the phone and discussing the clear difference between " we cover the value of the house up to XXXX XXXX '' and charging a XXXX XXXX policy ( when the house value is clearly under $ XXXX ) the representive pretended to not hear me on the phone and hang up. 
I will be sending them my own new insurance policy, got multiple quotes and all are under {$2000.00} a year from large companies including XXXX  and XXXX, further showing that the amount they are charging is a scam,

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 2025-02-20 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: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I'm having to re-dispute an inaccuracy on my credit report. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX notifying me of a collection for XXXX insurance in the amount of {$380.00}. I promptly mailed a certified letter to them dated XX/XX/XXXX notifying them that I was disputing the debt because I do not owe it and for them not to report the inaccurate information to any credit bureaus. I then followed up with a second certified letter to them dated XX/XX/XXXX asking them to verify the debt per the Fair Debt Collection Practices Act. I pointed out that their notice to me was supposed to contain more extensive information, such as a statement advising me of my rights under the FDCPA, including a statement that I have the right to dispute the debit within 30 days in addition to a returnable form allowing me to declare if I am disputing the debt and allowing me to select a reason for a dispute and that it must comply with federal law. 

I also noted that their letter should contain an itemized date and other information such as the acct number associated with the debt, an itemized list of any payments made, etc. Their notice did not contain any of that information. ( See their notice and my letters attached ). 

Instead of complying, XXXX immediately reported the inaccurate information to the credit bureaus Experian and Equifax around XX/XX/XXXX. I then disputed it directly with the bureaus where they returned with the result of it remaining on my credit report. In XX/XX/XXXX, AFTER reporting it to the bureaus and after I had already submitted the dispute to the bureaus, CCS began sending me letters in plain envelopes with no proof of mailing dates, no sort of stamp from the post office to show when it was actually mailed, while back dating the letter to make it look as if they responded to me within the reasonable time frame, using a date of XX/XX/XXXX on the letter. They also enclosed what appears to be a final bill from XXXX. 

I was never notified about this matter until their first letter, dated XX/XX/XXXX and wasn't given reasonable time to look into it before they placed it onto my credit report. This is fraudulent and I do not owe XXXX anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
Contract Callers Inc. violates multiple laws set forth by Congress regarding the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge-off status ), between the consumer ( myself ) and the person ( Contract Callers Inc. ) making the report. I have NEVER done business with or entered any kind of transaction with Contract Callers Inc. 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Contract Callers Inc. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, these misstatements are punishable as perjury under 18 US. Code 1621. Contract Callers Inc. CAN NOT collect on a discharged debt. Attached is Contract Callers Inc. response to my validation of debt request proving the company WILLFULLY misreported ( perjury ) The attachment shows debt has been " charged off '' which by definition of the IRS canceled debt or charge off is INCOME and can not be reported. I did not receive a 1099-C and will report to the IRS regarding this misstatement. Publication 4681- Code G I declare under the penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX my Lexus XXXX was repossessed. The issue I have is I have had no communication from Lexus since XXXX. My husband transferred to the XXXX Ohio area XX/XX/XXXX due to my multiple XXXX types. We transferred to the XXXX clinic and the hopes that they would save me. In XX/XX/XXXX the title was transferred to Ohio and Lexus financial receive the title. Multiple payments were made in XXXX but my XXXX  did not receive any documentation from Lexus. They have had over two years to contact me directly in regards to an outstanding balance. My husband cant make payments if he doesnt receive a statement and at the time I was clinging to death. I dont understand how Lexus can go over two years without contacting us and then they repossess my vehicle based on the documentation I received today in the mail XX/XX/XXXX. I have until XX/XX/XXXX to pay everything in full in addition to a recovery fee. I asked for an actual breakdown of the charges and receive nothing when I called Lexus financial. The gentleman was more interested in my health than helping me get my vehicle back and pay this balance. There is no possible way for me to pay {$7100.00} by XX/XX/XXXX I also need an actual breakdown of what was out on the vehicle and what is actually their late fees and charges. I dont know any auto finance coming that would go over two years without trying to make contact with the creditor. I have never tried to hide from Lexus financial or evade my responsibility. Common sense would say if I paid all this money towards this vehicle, I wouldnt not pay a few thousand dollars when I registered the Lexus in Ohio and the title certificate was sent to Lexus financial it had my Ohio address at the time, additionally, the payments I made also had my updated address listed. A simple trace also would have provided the Ohio address or pulling my credit report would also have showed the Ohio address. I just dont understand why they wouldnt reach out to me for over two years.

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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-20 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: NY

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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.

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I got XXXX letters stating that a debt collector was attempting to collect a debt. The letters were sent nearly XXXX months after the supposed debt was bought by XXXX XXXX XXXX XXXX I sent a debt validation for both letters requesting information to verify the debt and that it was owed to this company that has purchased the debt. I asked for information such as accounts, dates it was purchased and a bill of sale or receipt of the amount the debt collector paid for the original creditor of the debt. I asked that under the Fair Debt Collection Practices Act that nothing be reported to the XXXX major Credit Bureaus that could affect my XXXX XXXX until the information I asked for was received and that I have time to investigate the claims and verify the information. I only received copies of credit card statements, no receipts or bill of sale. I sent another XXXX letters stating that the information that I was legally allowed to ask for was not sent and asked that they send the information I requested under the FDCPA, and if they could not send the information to send a description of why the information could not be provided and instead of sending me any further communication and without sending the information I requested, they reported the amount, which WAS NOT VERIFIED, to the XXXX Credit Bureau, completely violating my right to the correct information under the Fair Debt Collection Practices Act. Ive only received XXXX letters from XXXX XXXX XXXX, disputed both, and did not receive any further response or verification. The amount reported for either account is not the correct amount reported to XXXX and it says the debt was disputed so its either XXXX of the XXXX accounts they sent debt collection letters for and provided the incorrect information to XXXX. So theyve provided false information on top of violating my rights under the FDCPA by not proving the information I requested before reporting it to a major credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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