vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Equifax, and XXXX never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of XXXX, Equifax, and XXXX reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to dispute inaccurate and fraudulent information on my credit report. I believe XXXX has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically with regard to maintaining accurate information and conducting proper investigations into disputed information. Despite my good-faith efforts to resolve this matter, the continued reporting of this fraudulent account demonstrates negligence in maintaining accurate consumer information. Under 15 U.S.C. 1681 ( o ), XXXX may be held civilly liable for failing to meet its FCRA obligations. As a result of this negligence, I have suffered denial of credit, harm to my credit score, emotional distress, and financial loss.

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 2025-01-25 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX  ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am writing to report that the collection account is listed as an " OPEN ACCOUNT, '' which does not comply with FCRA regulations. This is an inaccurate entry and needs to be removed immediately. Please send me a copy of my credit report once the deletion has been processed. I recently obtained my credit report and noticed that there is inaccurate information regarding my credit and personal details. 
Date XX/XX/year> {$7500.00} XXXX XXXXXXXX XXXX The fair resolution is to delete this 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 2025-01-25 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:
I am writing to report that the collection account is listed as an " OPEN ACCOUNT, '' which does not comply with FCRA regulations. This is an inaccurate entry and needs to be removed immediately. Please send me a copy of my credit report once the deletion has been processed. I recently obtained my credit report and noticed that there is inaccurate information regarding my credit and personal details. 
Date XX/XX/year> {$7500.00} XXXX XXXXXXXX XXXX The fair resolution is to delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received care credit for my aligners from XXXX through Synchrony Bank. Balance was {$2000.00} paid way more than my minimum payment and then suddenly I saw an increase of {$770.00} on my balance called the bank the representative told me if I paid the remaining balance of my treatment within 3 days before the XXXX the interest would be waived and account will be updated and closed. I made the payment in full on that day just for me to check my credit report and synchrony is still reporting that I owe them over {$1000.00} contacted them again and this representative told me it was not waived and my account is still very much open and they are charging my account still. As a XXXX XXXX serving my country this is the level of dishonesty and fraud I have to face from a bank who offer credit for health treatments

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 monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. Even though these not accounts obtained by 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the reporting of my payment history to the credit bureaus ( XXXX, XXXX, and Equifax ). 

I have consistently made on-time payments on my accounts, including my loan with XXXX, XXXX, and my credit cards. However, it appears that my payment history is not being accurately reflected on my credit reports, and as a result, my credit score has not increased as expected. 

If necessary, I am happy to provide documentation, such as payment confirmations, to assist with resolving this matter. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my concern regarding the reporting of my payment history to the credit bureaus ( Experian, XXXX, and XXXX ). 

I have consistently made on-time payments on my accounts, including my loan with XXXX, XXXX, and my credit cards. However, it appears that my payment history is not being accurately reflected on my credit reports, and as a result, my credit score has not increased as expected.

If necessary, I am happy to provide documentation, such as payment confirmations, to assist with resolving this matter. 


Thank you for your attention to this matter. 
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 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
On XXXX, I visited Mercedes-Benz of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for the first time to test drive a vehicle. During this visit, the dealership provided me with a financing application to complete and sign. 

On XXXX, I returned to the dealership to ask questions about the application process. During this visit, I explained my rights under 15 U.S. Code 1605, which pertains to the disclosure of finance charges under the Truth in Lending Act ( TILA ). However, one of the salespeople, XXXX, dismissed my explanation and claimed that I had " made these laws up. '' This dismissive and unprofessional behavior left me feeling humiliated and disrespected. 

On XXXXXXXX I visited the dealership for the third time, at which point I was informed that my loan application had been denied. However, the dealership failed to : Provide a written adverse action notice as required under the Equal Credit Opportunity Act ( ECOA ), explaining the reason for the denial or how I could obtain further details. 
Disclose the name and contact information of the financial institution or lender that reviewed my application. 

Return my original application, which they retained without justification, providing only a copy instead. 

Provide a clear explanation for retaining my security collateral, which remains in their possession without any supporting documentation or reason. 

Additionally, during my visit on XX/XX/XXXX, the finance manager informed me that I would need to put down a " massive down payment '' in order to secure financing. This statement conflicts with 15 U.S. Code 1605, which explicitly states that no cash down payment should be included in the disclosed finance charges under the Truth in Lending Act. This suggestion was both misleading and contrary to federal law, further emphasizing the dealerships lack of transparency and disregard for consumer protection statutes. 

The lack of professionalism, dismissive behavior, and failure to comply with federal lawsincluding TILA, ECOA, and other applicable consumer protection statutesraises serious concerns. I felt humiliated and disrespected throughout this process, particularly when referencing my legal rights under established federal laws. Moreover, I believe that I may have been treated unfairly and potentially discriminated against, as the dealership 's actions and lack of communication were both unprofessional and seemingly prejudicial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
I am filing a complaint against Experian for neglecting to properly examine my disputes about credit report discrepancies. Experian constantly responds to my submissions within 24 hours, claiming the account is accurate without giving evidence of a comprehensive examination. This technique violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. Section 1681i ), which requires a reasonable examination into complaints. Experians conduct may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as noted in the CFPB 's recent administrative proceeding ( File No. XXXX ) for comparable infractions. I request that the CFPB take steps to ensure that Experian follows federal law and provides consumers with the requisite proof of investigation. Attached are the accounts that were disputed.

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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibilityXXXX XXXX XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong information on my credit report. incorrect address.

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 2025-01-25 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: GA

Complaint narrative:
I have open credit accounts with companies I am unaware of such as XXXX XXXXXXXX XXXX I disputed debt collections multiple times and was stated that those collections are accurate with 0 % proof of these collections where made by me. I requested multiple times for these to be disputed. Closed accounts are still effected my credit score which effects my kids lifestyle. With these drastic reports I cant get approve for house, car, loans and etc. How is that these XXXX dollar companies are effecting poor communities without any consequences?

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 2025-01-25 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: AL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
I have been harassed by CAVALRY PORTFOLIO SVCS. Called several times a day at all hours of the day, and harassed. I was also sued and improperly sued to which I disputed in court. As stated in 15 usc 1692c ( c ) Law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. Furthermore according to section 609 A1A, you are required by federal law to verify through physical verification, of the original signed contract, Any and all accounts that you post on a credit report. I demand to see a verified proof. If you fail to validate, remove from my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I cant stress enough how frustrated I am with the errors on my report. These inaccuracies are dragging my score down and costing me real opportunities. Ive worked hard to manage my finances, and its completely unfair to see my efforts undone by someone elses mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
On XX/XX/XXXX i received a text from Holloway Credit Solutions concerning a debt from the XXXXXXXX XXXX XXXXXXXX for {$300.00}. On XX/XX/XXXX, I called XXXX concerning the debt. I was told that I needed to contact the collection agency. I explained that under the FDCPA they were required to provide the information. The rep said that all supervisors were on vacation and would not return until after XXXX XXXX. On XX/XX/XXXX I sent an email to XXXX XXXX explaining that I had not received a bill or pre notification of impending collection efforts. I also explained that in XX/XX/XXXX, I sold this property and called the service to request a final bill and furnished a forwarding address. She refused to provide the information. I contacted Holloway for the information on XX/XX/XXXX but they have not provided it. I have also warned Holloway about this information being reported on my credit report. I am invoking my rights for proper notification under FDCPA for XXXX to comply with the law and provide the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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