vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX C/o XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, AZ XXXX SSN # XXXX AFFIRM ATTN : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX CA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT XXXX XXXX XXXX XXXX : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with AFFIRM. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with AFFIRM for review or collection.

Pursuant to 15U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX C/o XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, AZ XXXX Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-20 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: GA

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 2025-03-20 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Receiving multiple calls per day, more than the allowed 7 within a 7 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
Spring Oaks Capital LLC Re : Cease and Desist Notice Account XXXX I am writing to formally request the immediate removal of any and all references related to the account numbered XXXX, which is associated with Spring Oaks Capital LLC, from my credit report. I believe that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), and I demand that you cease the reporting of this account to any credit bureaus. 
Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681e ( b ) and 1681i, credit reporting agencies and furnishers of information ( such as Spring Oaks Capital LLC ) are required to ensure that the information they report is accurate and can be verified. If an item on a credit report can not be verified as accurate or complete, it must be removed. 
As per the FCRA, I request the following actions : 1. Cease and Desist Reporting : Immediately cease reporting this account to any credit bureaus and discontinue using it as a medium for communication regarding any outstanding debts or balances. 
2. Deletion of Information : If the information in question can not be verified to meet the FCRA 's requirements, I demand that the entire account be deleted from my credit file. Reporting inaccurate or unverifiable information to credit bureaus constitutes a violation of the FCRA. 
XXXX. Confirmation of Deletion : Please provide me with written confirmation within 30 days of receipt of this letter, confirming that you have removed this account from my credit report and that no further reporting will be made to credit bureaus related to this account. 
Failure to comply with these requests will leave me with no choice but to pursue further legal action to ensure my rights under the FCRA are fully protected. I also reserve the right to file complaints with the Federal Trade Commission ( FTC ), and any other relevant regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

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 2025-03-20 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-20 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX, WA XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Against American Credit Acceptance for Predatory Lending Practices To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for their predatory and unethical lending practices, which have financially trapped me in an unfair loan. As a 100 % XXXX Combat Veteran who has served in XXXX wars, I should not have to endure such blatant exploitation. 

In XXXX, I financed a XXXX XXXX XXXX XXXX model with XXXX XXXX XXXX, who also is involved lying to me told me that just pay on the car for XXXX year come back dont make any late payments. Dont change jobs and I did that I didnt change jobs. I actually got a pay raise and I made all my payments on time. I went back on the XXXX month and they told me I was XXXX down. They couldnt help me The only reason I bought the car was because they said they would get me out of it in the year. that was advertised and sold to me for {$8500.00}. I put down {$2500.00}, meaning only {$6500.00} was financed. However, due to the outrageous 28 % interest rate, I have already paid {$23000.00} over the past XXXX years, and I still owe XXXX The loan is structured to ensure I continue paying excessive interest indefinitelythere is no benefit to paying it off early, no way to reduce the interest burden, and no fair path to actual loan completion. 

This is predatory lending at its worst. XXXX XXXX XXXX has trapped me in a cycle of endless payments, exploiting me as a XXXX Veteran by charging extreme interest on a loan that should have been paid off long ago. Despite paying more than XXXX times the vehicles value, I am still burdened with an unjust remaining balance. 

I am demanding full loan forgiveness and requesting that the CFPB investigate XXXX XXXX XXXX for their predatory lending practices. This company must be held accountable to prevent other consumersespecially Veterans like myselffrom being financially abused in the same way. 

I expect an immediate response and resolution to this matter. Please confirm receipt of this complaint and provide guidance on the next steps I should take. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I continue to not get resolution on this wrongful situation by XXXX XXXX  The state of Virginia nor XXXX XXXXe XXXX XXXX XXXX XXXX. I have reported this horrible mistake and incident now to several agencies and several people. I am not paying this XXXX back to these National Credit Systems company nor the property management complex at the XXXX at XXXX. I will write a letter and report every day until this is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: PR

Complaint narrative:
Although banks review consumer accounts for any reason without notice, when US Bank NA froze my funds of {$97000.00} on or about XX/XX/year> ; it was discrimination based on race and national origin. 
US Bank did not base its decision to freeze my life savings on objective criteria related to risk ; rather, the bank decided to manage risks in its banking operations based on discriminatory policies and discriminatory practices. It was a aware that I am a XXXX consumer when I opened my account and also knew or had reason to know based on its own internal monitoring and reporting that its policies of giving unguided discretion to its consumer banking operations, specifically in business checking products, was resulting in discrimination. US Bank knew that its policies and practices encouraged the improper placement of XXXX consumers into their financial products and that its internal system designed to ensure proper placement of these consumers was ineffective and subject to easy manipulation. 
US Bank 's internal documents will show that senior officials were aware of the numerous tactics employed to restrict XXXX consumer 's checking accounts and that a significant percentage of non-White consumers were frozen based on risk compared to its XXXX ones in similarly situated banking products. Thus, US Bank did not act to adequately compensate consumers who were victims of discrimination like me nor did it take effective action to change its policies or practices to eliminate discrimination. 
Therefore, this is not a dispute that involves provisions of my contract with the bank ; it is a bona fide complaint to hold US Bank accountable for its violation of consumer banking laws and to get my life savings of {$97000.00} back.

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 2025-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Because I have been targeted by a crime group Ive been very alert so my credit profile was opted out for any promotional purposes. However, today again I received harassing text messages and debt consolidation mails so I checked my credit profile and found only capital one did a soft inquiry on my profile on XX/XX/XXXX which I never consented. All other soft inquires are made by XXXX XXXX. 
Therefore I called capital one asking why and who did this soft pull and why the description is AR, the first capital one customer representative transferred my line to the second one, and the second one just transferred my line without telling me to XXXX ( she said she will transfer my line to specialist )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re investigated. The inaccuracies are highly injurious to my credit score. The account is XXXX  XXXX XXXX and the account number is XXXX. 

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and the business addresses of each individual with whom you verified the above account I stated, so I can follow up. Please send me an updated copy of my report after your reinvestigation.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
So I have asked the 3 Bureaus to dispute and make sure the collector provide proof. Collectors NEVER provided or Validate the Debt. The 3 Major Bureas is allowing the XXXX XXXX putting negative information without Proof. The are using different names. Saying it was charged off, written off, but showing balances and coming back verified. XXXX how did they verify Wont send 1099. XXXX different collections with the following names and balances LVNV FUNDING XXXX  times XXXX XXXX XXXX Times XXXX XXXX  times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 explanation