vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX I NEVER HAD CONTRACT WITH TH COMPANY OR SIGNED UP. DELETE COLLECTION FROM XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: SC

Complaint narrative:
Well, back in XX/XX/XXXX I have XXXX XXXXXXXX. I XXXX XXXX XXXX XXXX so I couldnt pay the bill so I didnt pay my credit card my card no car insurance none of that. Nobody have access to none of my accounts in my family so the credit card company close my account took my {$2100.00} saying it was for purchases that accrue the interest in fees, but I said to them was I XXXX XXXX XXXX XXXX so how I pay something if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I start making payments on my credit card and I couldnt figure out Im making these payments but none of my money was showing available balance so I called them up and they told me what they did but I told him they couldnt do that because XXXX XXXX XXXX XXXX XXXX  and I told him to reestablish my credit card and reopen my account because I XXXX XXXX XXXX XXXX and they told me he couldnt do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out i also own the XXXX XXXX XXXX XXXX and The XXXX XXXX. I am a victim of identity theft for the last 5 years or more. I have reported these issues to the IRS, FBI, WhitHouse, SEC, FTC, FCC, Various local law enforcement agencies with no resolve. This being said I bank with Bank of America and found that the bank has a XXXX XXXX XXXX attached to it in my name with my cryptocurrencies backing the monetary balance. The account has been hidden from me by the people stealing my identity. They have used a Federal Treasury Ledgers to control my account with every company and other accounting documentation to hold me back from access to my accounts an d monies.

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 2025-01-14 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
I recently reviewed my credit report and saw a balance for the account for XXXX. This debt has been officially cancelled per the IRS. See attached. This account should be updated to reflect a XXXX balance.

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 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX ACCOUNT XXXX XXXX, XXXX, XXXX  I NEVER HAD A CONTRACT WITH THE COMPANY OR SIGNED UP. DELETE COLLECTION FROM 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 2025-01-14 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-14 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: NH

Complaint narrative:
Equifax recently reinstated a fraudulent account ( CXXXX  XXXX XXXX XXXXXXXX XXXX XXXX ) I disputed on XX/XX/XXXX, which I had requested to be blocked and deleted from my consumer report, without notice or providing a method of verification, as required under FCRA 611 ( 15 U.S.C. 1681i ). On XX/XX/XXXX, I spoke with a supervisor named XXXX ( Employee ID : XXXX ), who refused to provide me with a reference or case number and was extremely uncooperative. I am formally submitting a complaint against him and against Equifax for failing to comply with FCRA 611 ( 15 U.S.C. 1681i ). After this call, I spoke with XXXX regarding Case & Complaint # XXXX ; while she was slightly more cooperative, she incorrectly stated that the documents I provided on XX/XX/XXXX, were invalid because they lacked my Social Security number, despite my Social Security number being attached to Case # XXXX. From my experience, many Equifax supervisors seem incompetent and lack sufficient knowledge of their responsibilities. I have disputed several fraudulent accounts and provided Equifax with all necessary documentation, including a valid identity theft affidavit, proof of address, social and a government-issued ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NH

Complaint narrative:
Equifax recently reinstated a fraudulent account ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) I disputed on XX/XX/XXXX, which I had requested to be blocked and deleted from my consumer report, without notice or providing a method of verification, as required under FCRA 611 ( 15 U.S.C. 1681i ). On XX/XX/XXXX, I spoke with a supervisor named XXXX ( Employee ID : XXXX ), who refused to provide me with a reference or case number and was extremely uncooperative. I am formally submitting a complaint against him and against Equifax for failing to comply with FCRA 611 ( 15 U.S.C. 1681i ). After this call, I spoke with XXXX regarding Case & Complaint # XXXX ; while she was slightly more cooperative, she incorrectly stated that the documents I provided on XX/XX/XXXX, were invalid because they lacked my Social Security number, despite my Social Security number being attached to Case # XXXX. From my experience, many Equifax supervisors seem incompetent and lack sufficient knowledge of their responsibilities. I have disputed several fraudulent accounts and provided Equifax with all necessary documentation, including a valid identity theft affidavit, proof of address, social and a government-issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I TRIED TO VOLUNTARY SURRENDER THE VEHICLE TO THE LEASE COMPANY, HYUNDAI FINANCE, BUT THEY HAVE LOCKED THE VEHICLE AND DISABLED BOTH OF THE KEYFOBS AND THE APP ON MY XXXX. THEN TOLD ME THAT I NEEDED TO CALL A LOCKSMITH TO GET IN THE CAR. BUT OF COURSE THAT WONT WORK SINCE WITH MY REMOTES HAVING BEEN DISABLED I HAVE NO WAY OF STARTING THE CAR ANYWAY. 
THEY CALL ME EVERY DAY BUT DON'T SAY ANYTHING. AND HANG UP THE PHONE AFTER SEVERAL SECONDS. 
I HAVE HIRED A LAW FIRM TO HELP ME WITH THIS ISSUE. IT's : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX I WAS BORN ON XX/XX/scrub>XXXX XXXX XXXX WHICH MAKES ME XXXX XXXX XXXX. 
PLEASE HELP ME

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 2025-01-14 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
I got in contact with Equifax tried to inform them. They had the wrong information on XXXX XXXX XXXX. They still reporting on the credit report that I still owe money to XXXX XXXX when XXXX XXXX  took off everything and XXXX  it out for Equifax has not updated or put any changes on my credit report in reference to XXXX XXXX It caused me not to be able to purchase a vehicle number one number two did not reporting the accurate credit score on my credit report and not updating the information adequately and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The company is in violation of my rights per 15usc 168

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 2025-01-14 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: NC

Complaint narrative:
The company is in violation of my rights per 15usc 168

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Bankruptcy Filed in Error Dear Transunion I am writing to formally dispute the bankruptcy listed on my credit report under. This bankruptcy was filed in error and does not accurately reflect my financial history. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the inaccurate information from my credit report. 

Legal Basis for Removal 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of disputed items. As this bankruptcy was filed in error, its inclusion on my credit report constitutes an inaccurate entry. 


2. Case Law XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) : In this case, the court emphasized the importance of maintaining accuracy in credit reporting. Erroneous reporting of a bankruptcy is a violation of this standard. 


XXXX. FCRA, 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of the information they report. The erroneous listing of this bankruptcy fails to meet this requirement. 



I have attached documentation supporting my claim, including [ list any documents, e.g., court orders, correspondence with the court, or other evidence proving the error ]. Please conduct a thorough investigation and provide me with a written response detailing your findings. 

Additionally, I request that you provide the source of the bankruptcy information and the method by which it was verified. If you can not verify the accuracy of this information, I expect it to be promptly deleted as required by law. 

Failure to address this matter within the 30-day timeframe established by the FCRA may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your reply and the resolution of this issue. 

Sincerely, 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 2025-01-14 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: GA

Complaint narrative:
XXXX has failed to fulfill is legal obligation under the Fair credit reporting act ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF THE DISPUTED INFORMATION ON MY CREDIT REPORT. LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIENCE, ALLEGING SYSTEMATIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIENCE HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIENCE IN ACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
XXXX has failed to fulfill is legal obligation under the Fair credit reporting act ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF THE DISPUTED INFORMATION ON MY CREDIT REPORT. LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIENCE, ALLEGING SYSTEMATIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIENCE HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIENCE IN ACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I had a phone conversation with a woman employed by the company in XXXX. I agreed to a monthly payment of {$50.00} that was to be automatically taken from my account. I was told if I get anything about court hearing to call the woman back and she would handle said situation. I received court documents in XXXX about the matter with added court cost and 7 % interest and the full amount that was owed. Nothing stating or documents of the amount that I have paid on time like the agreed payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I was on XXXX  XXXX  when I lived in the apartment complex I lived in and when I was moving out I used them to legally break my contract. I thought that was the end of everything until I saw that I had a collection on my account from pro collect but never received a letter or anything from them. I called them and they said my only option was to pay everything in full and didnt give me any options or help when it came to working around it seeing it a wrongful debt.

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 2025-01-14 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: MS

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I PERSUME THAT PROOF OF TEH ALLEGED DEBT, NOR THEREFEORE ANY SUCH DEBT, IN FACT THEREFORE EXIST EXPERIAN CREDIT BUREAU IS REFUSING TO INVESTIGATE SAID INACCURICAIES

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
all pro took money for bond then void it out McNeil & Meyers Asset Management Group , LLC all fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one didn't pay off on their 360 saings account as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation