vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an XXXX XXXX  and a XXXX at XXXX University. 
On the XXXX of XX/XX/year>, I was heading out for lunch when a guy called XXXX asked for my help. I indicated that I was busy and didn't want to help. Then he accused me of being XXXX and handed me {$20.00}. 
I just wanted to follow up and return it because I was scared I might get in trouble if I left with his money. 
I never intended to take money out of the ATM, but I saw the place XXXX XXXX XXXX XXXX XXXX XXXX across the street on XXXX XXXX XXXX XXXX has cameras, so I decided to help him check the withdrawal fee. 
I put my card and PIN in but never put the amount in ; he distracted me, and I was so threatened. 
When my card popped out, I took it and ran straight to the closest Chase Branch for help. 

After a whole week of running around with mixed instructions from Chase, I couldn't get a police report because they would need a head letter from Chase, but Chase refused to give it. 

This will be my last complaint if nothing is going to be solved either way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 explanation
Consumer complaint received 2025-01-08 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-08 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: CA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax and XXXX credit report by XXXX XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax and XXXX are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX & XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX XXXX is not licensed to collect in California. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : Delete and type in all the inaccurate accounts in here. 

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Delete and type in all the inaccurate accounts in here. 

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have serious concerns regarding this account, as it does not appear to comply with federal consumer protection laws outlined in the Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692c ( c ) and 1692g. 
Basis of Dispute XXXX. Violation of 15 USC 1692c ( c ) ( Cease Communication Request ) : Under 15 USC 1692c ( c ), a debt collector must cease further communication with a consumer upon receiving a written request to do so, except to confirm compliance or to notify of specific legal actions. If XXXX XXXX XXXX received such a request from me or failed to provide proof that communication continued lawfully, they may be in violation of this provision. 
XXXX. Violation of 15 USC 1692g ( Validation of Debts ) : Under 15 USC 1692g, a debt collector is required to provide a consumer with written validation of the debt, including the amount owed, the name of the original creditor, and the consumers rights to dispute the debt. If XXXX XXXX XXXX failed to provide adequate validation within the required timeframe or did not verify the debt before reporting it to the credit bureaus, this would also constitute a violation. 
XXXX Requested I am formally requesting that TransUnion : XXXX. Investigate the validity of this account based on the lack of compliance with the FDCPA and the provisions of 15 USC 1692c ( c ) and 1692g. 
XXXX. Verify that XXXX XXXX XXXX provided proper debt validation, as required by law, before reporting this collection to my credit file. 
XXXX. Remove the account from my credit report immediately if XXXX XXXX XXXX is unable to provide the necessary documentation to validate the debt and 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 non-monetary relief
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
In response to CFPB Complaint # XXXX I have submitted the documents requested from Equifax. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their mishandling of a collection dispute I re-submitted on XXXX. I have submitted numerous times previously but I am not able to pull dates online as they are not able to be viewed online. 

I have a collection account listed on my XXXX credit report from XXXX XXXX XXXX for {$6100.00}. I believe this collection is inaccurate and should be deleted from my report for the following reasons : Incorrect dates or amounts Payments not reflected Debt not legally enforceable Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community XXXX. In that email, the community director authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of XXXX XXXX : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$200.00} late fees are valid. The imposition of daily {$10.00} late fees for a period of 12 days ( totaling {$120.00} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable Georgia law. As such, I am not obligated to pay these charges. 

Other Discrepancies : The total outstanding balance of {$6100.00} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

I have provided XXXX with a lease, a document of charges including charges that are not legally chargeable, proof of inaccurate dates listed, and proof deposit was never credited to the final balance. Despite submitting this evidence, XXXX has maintained that the collection is valid. I believe XXXX is not conducting a thorough investigation of my dispute and is failing to properly review the evidence I have provided. 

I request that the CFPB investigate XXXX 's handling of my dispute and take appropriate action to ensure they comply with the Fair Credit Reporting Act ( FCRA ). I also request that XXXX be required to delete the disputed collection from 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 non-monetary relief
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their mishandling of a collection dispute I re-submitted on XXXX. I have submitted numerous times previously but I am not able to pull dates online as they are not able to be viewed online. 

I have a collection account listed on my XXXX credit report from XXXX XXXX XXXX for {$6100.00}. I believe this collection is inaccurate and should be deleted from my report for the following reasons : Incorrect dates or amounts Payments not reflected Debt not legally enforceable Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community director. In that email, the community director authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of Security Deposit : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$200.00} late fees are valid. The imposition of daily {$10.00} late fees for a period of XXXX  days ( totaling {$120.00} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable Georgia law. As such, I am not obligated to pay these charges. 

Other Discrepancies : The total outstanding balance of {$6100.00} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

I have provided XXXX with a lease, a document of charges including charges that are not legally chargeable, proof of inaccurate dates listed, and proof deposit was never credited to the final balance. Despite submitting this evidence, XXXX has maintained that the collection is valid. I believe XXXX is not conducting a thorough investigation of my dispute and is failing to properly review the evidence I have provided. 

I request that the CFPB investigate XXXX 's handling of my dispute and take appropriate action to ensure they comply with the Fair Credit Reporting Act ( FCRA ). I also request that XXXX be required to delete the disputed collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Obtained a car loan in XXXX with a credit score in the mid/high XXXX as a woman I specifically negotiated my loan terms at XXXX  % which at the time XXXX XXXX has offered the same and XXXX had claim to match. Ally Financial gave me as XXXX American women a subprime loan of XXXX  % with XXXX  % which in XXXX in Texas the subprime loans could not be more than XXXX  %. 

It is my assertion that this loan was discriminatory and predatory. 


However that said Ally Financial changed the terms ( see payment history at start of loan XX/XX/XXXX vs XXXX in XXXX in how payments were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
I had private loans being serviced by XXXX XXXX XXXX, XXXX, and they were disbursed in XXXX and XXXX. When they were disbursed, they were paid directly to me, not the school. I used the funds for housing, living, and travel expenses while attending school, and none of the funds went to the school. These loans were in my maiden name, and multiple times I tried to get XXXX to change my last name, but they never did. When XXXX began, I fell behind on paying, and ultimately XXXX closed my accounts in XXXX. Financially my husband and I were struggling, and we made the difficult decision to file Chapter XXXX bankruptcy in XXXX of XXXX. Our bankruptcy XXXX of XXXX was entered XX/XX/XXXX. Since these were private loans that were paid directly to me, the consumer, and they were not used for the cost of attendance, they are not considered qualified education loans, and it means they were included in my bankruptcy XXXX of XXXX. I have since received XXXX letters from XXXX XXXX, dated XX/XX/XXXX. They are a collection agency that is trying to collect on this debt that should have been XXXX. They say that I owe {$12000.00} and {$5800.00}, for XXXX different accounts. Also, it is saying that the creditor is XXXX XXXX XXXX. XXXX XXXX has also called me and left a voicemail.

Company response to consumer: Closed with explanation