vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Barclays XXXXXXXX XXXX XXXX  company more than doubled my minimum payment due around XX/XX/year>. I did not have the funds to cover the amount, and had a missed payment put on my credit report. The following month, XX/XX/year>, it took the normal minimum payment amount that I was accustomed to. Then the amount was more than doubled in XXXX with the same results. The payment returned to a normal amount in XXXX. Now the payment requested was triple that of my normal amount, which was refused by my bank. The next amount due in XXXX is closer to the normal payment. 

In the meantime, I can not find an explanation as to why Barclays XXXX has been taking this action. 

Now the account is closed, my credit rating has been severely damaged and my other credit cards have clamped down on my credit limits. At no point did I ask for this treatment, and it's severely affecting my ability to make financial decisions going forward.

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 2025-02-22 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: TX

Complaint narrative:
Experian has failed to fulfill its obligation under the FCRA. Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB credit financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer provided evidence to furnishes, accepting unreliable responses and failing to adequately provide or notify customers of dispute outcomes. These issues or failures align with my personal experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. This is a continuous pattern that is causing ongoing problems issues and harm to my credit standings. I am requesting immediate correction or corrective actions, as Experian inaction violates federal laws and my personal rights as a customer or 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 2025-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The name was XXXX  XXXX at XXXX and it was changed to XXXX ON XXXX. They were amazing at first. These are considered luxury highly secure high rise loft apartments. However, there were multiple incidents that started happening in the building one being a shooting in the parking garage which damaged many cars one being mine. It was my last month and I was about to move out they wanted me to renew but I didnt want to because of many reasons and situations that occurred between us. I was advised they would compensate me for the damages the same way they did for the others. I asked could they just apply it to my last month payment and allow me to leave debt free. XXXX XXXX advised me to not to pay anything and speak with corporate to have it applied. Weeks went on because XXXX who works in corporate went on vacation ; which brought me into another month. She advised if I moved out she wouldnt charge any fees I would still have to pay {$2500.00} not including the compensation for the damages. They had brought in a new manager who was not aware of what was happening and XXXX did not come to my defense. I moved out but I havent had a job since XXXX  shortly after leaving. They keep changing the collection company name saying I owe double the amount close to {$4000.00}. Even though the court judgment says I had to pay {$2500.00} only because I missed the court date due to work and I had the wrong date. I do not owe this amount and this in injustice especially when Ive been a good tenant. Ive always paid my rent and kept communication. Anytime an agreement was made I kept my end of the bargain but now they are being greedy and trying to bully for whatever reason. I really dont even owe the {$2500.00} but because I missed the court date I wasnt able to show the proof and defend myself. I need help this was my first loft apartment and I feel I have been wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Equifax Information Services LLC, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent account from my credit file. 
Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  I have attached a copy of my FTC Identity Theft Report and a copy of my government-issued ID for verification. 

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX Last Four : XXXX Attachments : Copy of FTC Identity Theft Report Copy of Government-Issued ID Copy of Credit Report Highlighting Fraudulent Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
As of XX/XX/year> Portfolio Recovery has XXXX charged off accounts that appear on my report. After reaching out numerous times for the original purchase agreement to validate the debt and the company refuses my request. Also, I reached out to dispute but the company refuses to provide accurate information regarding the debt to the credit bureaus.The amounts are XXXX, XXXX, and XXXX. However, these accounts should be removed because they are falsely reporting the debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MI

Complaint narrative:
I've recently received a copy of credit report and noticed inaccuracies and an unauthorized account and information reporting to my credit report. I have never had a XXXX account, this is a fraudulent account and have already reported fraud yet third parties XXXX XXXX and Unifin are still trying to collect a debt that is not mines. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : -XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$17000.00}

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one account was charged off account XXXX XXXX XXXX XXXX they did not provided me with a 1099c in order for me to write off as an income on my taxes, they charge off this account and posted on my credit bureaus. since they put it on my credit bureaus as a charge off. If its all about accuracy the law protects me for things being reported on my credit bureaus that are not accurate. I need for this account to be removed form my credit bureaus since they charged off this account as a lost profit and they did not provided me with a 1099c. Making my reports not accurate. That being said Im requesting for this charge off to be deleted form my credit bureaus since this was charged off as about profit may they got their money back. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 have attempted to contact all three credit buerues by mail and mobile phone they have refused to comply to the law about fixing my credit that has been messed up by identity theft I have given them proof and they still have ni been willing to address the issue and pay any importance to my matter I have filed a report with the federal trades commission as well they refuse to address consumers issues caused by criminals in the world

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
I am disputing the validity of debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I requested verification of this debt, including proof of the orginal contract bearing my signature. NCB MANAGMENT SERVICE failed to provide sufficient documentation to substantiate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am having some employment issues with my lexis nexis report. I am requesting a full clue report from lexis nexis from my entire file. I am including a copy of my drivers license and social securitu number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: TX

Complaint narrative:
Car broken down so i couldnt pay for a car that broken and a car payment too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: HI

Complaint narrative:
I filed for XXXX XXXX bankruptcy XXXX  years ago and it was discharged. National Credit Systems is trying to collect a debt that was resolved under bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom this may concern, I have have attached an FTC report with 1 fraudulent account and 6 fraudulent addresses to be blocked and removed from my credit report FCRA 605B. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
To Whom this may concern, I have have attached an FTC report with 1 fraudulent account and 6 fraudulent addresses to be blocked and removed from my credit report FCRA 605B. 

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

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 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: CA

Complaint narrative:
Mohela is claiming I owe $ XXXX in loans on my credit reports when in reality my balance is paid off and the balance is {$0.00}. The loan was forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/year> Equafax Re : Dispute of Inaccurate Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute an account reported on my credit report, which I believe is inaccurate. The account listed under XXXX XXXX XXXX XXXX does not belong to me. According to the Fair Debt Collection Practices Act ( FDCPA ), I am not the individual responsible for this debt, and I request that you investigate and correct this error. 
Under 15 U.S.C. 1692e, it is prohibited to falsely represent the identity of the debtor. This collection account is the result of an inaccurate identification, and I request that this account be removed immediately from my credit report. 
Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that inaccurate information be corrected or removed. I request that you conduct a thorough investigation and confirm the information 's accuracy within the 30-day statutory period.

Please provide me with written confirmation of the investigation results and actions taken. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I reviewed a copy of my credit report and noticed some accounts that I have no knowledge of these accounts have not been verified and I am a victim of identity theft and the XXXX XXXX breach please delete the following accounts Per fcra section 605B and 15 usc 1681c2 And 15 usc 1681 The following accounts are reporting inaccurate information They are the result of fraud and should be blocked and deleted within four business days

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 2025-02-22 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$210.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Vehicle covered by loan at Santander XXXX XXXX was traded in and loan paid off in XXXX 2024. XXXX insurance policy was canceled and Santander sent a check out for the balance owed to me in XXXX 2024. I never received the check. I contacted them by phone and message app multiple times for XXXX months and received no assistance with getting the check reissued. From what I understand, they owe me {$510.00}. Now when I call, the recording goes into a loop and my account on the app has been canceled so I am no longer able to address the issue with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
On XX/XX/2024, I sent dispute letters to Experian, Equifax, and TransUnion, requesting the removal of inaccurate and unverified derogatory accounts from my credit report. Under FCRA 611, the credit bureaus are required to investigate and remove any information that can not be verified within 30 days. 

On XX/XX/2024, after not receiving a proper response or verification, I sent follow-up letters demanding proof of the disputed items or their immediate deletion. The credit bureaus failed to provide sufficient evidence to support the continued reporting of these accounts. 

On XX/XX/2024, I sent a final notice to the credit bureaus, reiterating that they were in violation of FCRA 609 and FCRA 623 by reporting unverifiable information and failing to provide proper documentation. Despite my repeated efforts, they have not removed these derogatory marks or provided legitimate verification.

It has now been over four months since my initial dispute, and the credit bureaus have failed to take appropriate action. Their inaction has negatively impacted my credit, and I am seeking immediate resolution through the CFPB. I expect the credit bureaus to provide a formal letter confirming the deletions and update my report accordingly.

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