vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Ive filed multiple complaints against LVNV funding for attempting to collect a debt not owed by me. Please see the attached report showing they removed the charges from my XXXX Report. Now they are trying to collect against me on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I received XXXX credit card denials for cards i didn't applied for, 1 card that was granted that I never applied, and 1 that asked for more info. 
I placed a fraud alert at XXXX and XXXX Denials : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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

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

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. 
Disputed Item Details : * Creditor/Furnisher Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Date of Reported Issue : [ XX/XX/year> ] The following information is incorrect or incomplete for the following reasons 1- Date of last activity doesnt match 2- high balances are showing different 3- date reported doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. 
Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require any additional information. 
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 non-monetary relief
Consumer complaint received 2025-01-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-01 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2025-01-01 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: CA

Complaint narrative:
the following inquiries on my report are fraudulent sync/lowes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I signed up with Lexington law firm f Ill r XXXX XXXXit was supposed to be free for the first 30 days however it was not free I paid a XXXX up front fee, a monthly fee of XXXX to XXXX when I called to inquire about the first 39 days free she said they bill a month in advance which I never received a monthly statement except for the bank statements l then called to ask for my original contracts to be sent which I never received I was told I received it via e mail which I in fact had not received it ever! My credit was never fixed as promised accounts went to collections I never received correspondence from my credit card companies or Lexington law firm about my credit repair also I was working out a pay off plain and doing most all the leg work. Know this takes time so I paid Lexington law firm from XXXX to late XXXX I just feel mislead by the whole marketing scam they pulled once I heard we could get a refund I immediately reached out to you guys my address has changed. My old address is XXXX XXXX XXXX XXXX TX XXXX old phone number is XXXX my new address is XXXX XXXX XXXX XXXX tx XXXX new number is XXXX new email is XXXX old email is XXXX. Is it too late for me to get a refund from Lexington law firm?

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

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2025-01-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Received a American Express XXXX XXXX as a gift with {$95.00} loaded on it. 

On XX/XX/XXXX, I attempted to use the card at XXXX XXXX, and XXXX and the transaction failed every time. I also tried adding it to my XXXX and XXXX accounts and the transaction failed there as well. This card can not be used as a normal credit card/gift card. 

I searched XXXX to see if other people were having the same problem and it was very common. This is how I came to be familiar with the CFPB. Other consumers had success loading their XXXX gift cards with the Amex gift card so I gave that a shot. 

On XX/XX/XXXX the first transaction on XXXX for {$50.00} went through so I did a second transaction for {$45.00} and it failed as of XX/XX/XXXX. 

I searched the Amex Gift card site for help and couldn't find a fix so I called customer service and was told that I can not spend the remaining {$45.00} because my available funds are XXXX cents short. The reason I'm XXXX cents short is because the XXXX XXXX transaction charges XXXX cents as a preauthorization and that is taken away from my available balance. 

I now have to wait until XX/XX/XXXX for that preauthorization to fall off my account. This is strange as none of my other failed transactions held the preauthorization after the transaction failed, which was immediate. You can even see the XXXX failed preauths for XXXX cents from XXXX. 

In addition I was told by customer service that I can not spend more than XXXX because that XXXX will always be held back as a preauthorization at the minimum. So how do I ever get that XXXX? Does Amex keep XXXX from everyone 's gift card? They claim to have no fees and that the card can be used anywhere Amex is accepted but that doesn't appear to be true. 

It is misleading that someone can purchase XXXX of these Amex gift cards and expect that their gift can be used anywhere like cash. Instead, the card is impossible to use anywhere and the money is held XXXX, presumably as Amex racks up interest on that money sitting in their coffers. This is unfair and unpleasant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Toyota Financial Services is guilty of FRCA Law 1006.18 that's states false, deceptive or misleading representation of debt. 

I have sent them several emails and also spoke with them about reporting incorrect information to my consumer report. They have refused to make any changes after reaching out to them about the issue. 

They are reporting the payment status on XXXX as in repossession, although I have my car and making monthly payments. This is damaging my opportunity to get loans or finances for the things we are trying to accomplish. 

Please see screen shot attachments that shows the false information on my consumer report.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX balance {$2100.00}, XXXX XXXX  balance {$1400.00}, XXXX XXXX  balance {$4100.00}

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

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Immediate Removal of Unauthorized and Duplicate Inquiries To Whom It May Concern, I am writing to formally request the removal of unauthorized and duplicate inquiries from my TransUnion credit report. Upon reviewing my report, I noticed the following inquiries, which I did not authorize or are duplicates unrelated to any open account : 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 Additionally, there is a XXXX XXXX  ( Finance ) inquiry dated XX/XX/XXXX, which appears to be a duplicate. I have an open account with XXXX XXXX  ; therefore, only the duplicate inquiry not associated with this account should be removed. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that credit inquiries should only be listed with my explicit authorization. Since these inquiries were unauthorized or duplicated, I respectfully request their immediate removal. 

Enclosed are copies of my identification and a copy of my credit report highlighting the inquiries in question for your reference. Please investigate and delete these inquiries from my credit file. 

I appreciate your prompt attention to this matter and look forward to your response confirming the removal of these inquiries.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX refuses to remove the XXXX XXXX XXXX that's on my account. 

Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

I have put in several disputes about them publishing inaccurate information, but they keep stating that XXXX XXXX is verifying the information. 

My account is blocked on XXXX XXXX, so they don't have the ability to verify anything attached to my name. The Bankruptcy Courts stated to me that they don't share that information. 

How can XXXX XXXX verify anything when my account t has been opted out and blocked, so I am stating that XXXX are not verifying and just keeping the information the same without a human person really doing the research to verify the information. 

I will attach the letter from the Bankruptcy XXXX and also my letter from 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 2025-01-01 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report as they are hurting my ability to obtain credit

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 2025-01-01 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 have been looking at my credit reports and i have been seeing a lot of fraudulent activity. 
On XX/XX/XXXX XXXX XXXX XXXX was opened on my credit with a fraudulent balance of {$20000.00}. XXXXXXXX XXXX XXXXXXXX was opened on XX/XX/XXXX with a fraudulent balance of {$12000.00}. A XXXX XXXX XXXX  was opened on XX/XX/XXXX with a fraudulent balance of {$500.00}. To continue there was also a XXXX XXXX account listed on my credit report that is not mine! The balance of the XXXX XXXX is {$1200.00}. The last fraudulent account is a XXXX XXXX XXXX that was opened on XX/XX/XXXX with a balance of {$580.00}.

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 2025-01-01 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with explanation