vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
This is now my third and final formal dispute with XXXX XXXX, and frankly, I am beyond fed up. I have given you more than enough time to address these glaring violations, yet you continue to ignore my rights and conduct fraudulent, half-hearted investigations that achieve nothing. Your blatant disregard for federal and state laws especially the Gramm-Leach-Bliley Act ( 16 CFR Part 313 ), the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ), and the Fair Credit Reporting Act ( FCRA ) is outrageous and unacceptable. To make matters even worse, XXXX XXXX. still fraudulently reported this XXXX account on my TransUnion credit report without my consent. This unauthorized reporting is yet another clear violation of FCRA sections 1681g ( e ) and 1681s-2, which require accurate reporting and a legitimate investigation into disputes. This is not just negligence it is willful misconduct that continues to damage my financial stability, credit, and privacy. Despite my repeated objections and efforts to resolve these issues, XXXX XXXX. has failed to take any meaningful action. You never provided me the legally required opportunity to OPT OUT of sharing my personal financial information, a direct violation of the GLBA and New Jersey privacy laws. And now, in addition to reporting a fraudulent account, you have added unauthorized information to my credit report further worsening your noncompliance with the law. XXXXXXXX XXXX utter failure to conduct any real investigation and its blatant negligence in allowing false information to remain on my credit report violates FCRA section 1681e ( b ), which mandates maximum possible accuracy. It is evident that XXXX has no regard for identity theft protections under 15 U.S.C. 1681a ( q ) ( 3 ) or dispute-handling standards under 12 U.S.C. 5531. This pattern of willful negligence has caused me financial harm, emotional distress, and lasting damage to my credit. Let me be absolutely clear : XXXX refusal to address my disputes, its fraudulent reporting of a XXXX XXXX on my TransUnion report, and its failure to remove unauthorized accounts from my credit file are flagrant violations of federal law. You are engaging in deceptive and unfair practices in direct violation of the Fair Debt Collection Practices Act. I will no longer tolerate this blatant disregard for my rights. Consider this your final warning. If you do not immediately delete this fraudulent information and correct these violations, I will escalate this further through all available legal and regulatory channels.

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 2025-02-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I have gotten repeated phone calls and voicemails from Consumer Portfolio Services at all times of the day. The debt they claim I owe is {$11000.00} XX/XX/year> I have attached my call log history to show some of the times they called sometimes back to back in the same minute as you will see from my call history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report has been accessed by multiple companies, and applications were submitted in my name without my knowledge or consent. I do not recognize these fraudulent inquiries, nor have I authorized or applied for them. I previously contacted Equifax, and a representative assured me that these inquiries would be removed, yet they still remain on my report. This ongoing issue is causing me unnecessary stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am 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 2025-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against XXXX  The deceptive practices related to their XXXX high-yield interest XXXX account. Capitol one misrepresentative the XXXX XXXX accounts as having XXXX of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX performance XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices in failure to fulfill there advertised promises.

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: Experian Information Solutions Inc.
State: MI

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 instigate this item for me to ensure accuracy Here is the item I am asking you to verify as accurate : 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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Collector laughed at me because of the amount I owe stating that its not like you owe {$8000.00} you only owe {$82.00} after telling him I have been having financial hardship and am in a XXXX XXXX program and dont have much to be able to pay. 


I got an email saying I could qualify for up to 30 % off of the debt so I called to see if I could settle the debt and he laughed at me so I called him an XXXX because thats exactly what he was being. 

Just because I dont owe {$8000.00} doesnt mean Im not calling in good faith to try to settle the debt. 


Then he laughed at me and said I wouldnt be able to get an apartment because it will still show on my credit that I owe {$82.00} and he was unwilling to even try to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion reporting 30 days late and a XXXX XXXX account open from XX/XX/2020 I never late so I ask for the information that they take to verify the 30 days late I dont get that information all now. XXXX did have it late I write and ask to verify the information XXXX deleted it and update my credit report under the fair credit 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 2025-02-21 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: FL

Complaint narrative:
A collection company has been harassing me over a debt so I called the company and there is no record on file of any debts owed nor of my name in their system of being a resident. I do not owe this debt they are claiming and there is no record of it, but they continue to put it on my credit report. I have been trying to remove it but jo investigation has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: WA

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 non-monetary relief
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
This is not a mistakeI need urgent attention on this matter. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This has been a recurring issue, and despite my efforts to have it corrected, it remains unresolved. Additionally, my personal information is incorrect, which is leading to these unknown and inaccurate accounts appearing on my credit report. This situation is extremely concerning, causing me unnecessary stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-02-21 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 request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for your review.

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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: LA

Complaint narrative:
I took out a loan with Omni Financial in XX/XX/year>. After arriving in Louisiana, I submitted a request under the Louisiana SCRA Act. However, Omni Financial has denied my request twice. I am currently at a standstill, as they are not honoring the SCRA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Service closed two accounts in the amounts of {$150.00} and {$310.00} that were on my report in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
Called this morning before XXXX. Refusing to leave message or commicated as asked mulitple times though email, secure message, or mail. They have also several times changed my contact infor with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within 15 days. Relevant documents are attached for your review.

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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NV

Complaint narrative:
I am filing a consumer complaint against online payment processor, Klarna, for not properly acknowledging or hearing my dispute resolution case regarding my transaction with XXXX XXXX, on XX/XX/year>. 

Please see attachment titled, Consumer Complaint Re Klarna, for the full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Experian has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XX/XX/XXXXXX/XX/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 2025-02-21 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were place

d on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently encountered an issue where Chase Bank closed my account without any justification. I received a phone call from Chase Bank on XX/XX/year>, regarding the account closure and Chase Bank said they are not able to provide reason why Chase closing our account. The money in my account was all legitimately earned, and they did not provide any evidence to prove otherwise, nor any reason for closing my account. This has caused significant inconvenience in my life in the U.S., which is also unacceptable. Additionally, since the account was opened, the bank never contacted me or warned me about any potential issues with my transactions. There were no prior warnings or communications. I hope the Consumer Financial Protection Bureau ( CFPB ) can help me resolve this matter and communicate to Chase that such actions are not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: AK

Complaint narrative:
I contacted Equifax and Expierian to have any incorrect and damaging information ( ie : other names and addresses not associated with me ) removed from my credit report and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
The auto loan was not 30 days late in XX/XX/2023. This is not right because it was paid as agreed. Delete this late payment.

Company response to consumer: Closed with non-monetary relief