vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I had 6 month premium with XXXX XXXX for an XXXX XXXX XXXX serviced from XXXX XXXX. During the month of XX/XX/XXXX XXXX charged me {$650.00} for the current month and a month in advance. I tried to dispute this with him because I always paid a month to month premium but they stated that they now charged a month in advance and the last month would be free. My vehicle was leased and returned XX/XX/XXXX. Therefore they owed me for the month in advance since I no longer had a vehicle in use. XXXX refused to acknowledge this and continue to charge me {$650.00} now in collections. When I did not render any services from them, since vehicle was returned. Attached you will find my end of lease documentation verifying statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2025-01-02 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:
I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent 
accounts and inquiries have been reported on my credit file. In accordance with 15 USC 1681c2(a) and FCRA  605(b), I am requesting that the following accounts and inquiries be blocked 
and deleted immediately from my credit report.
Accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-02 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: PA

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 cre
dit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 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: Westlake Services, LLC
State: AZ

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-01-02 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: NY

Complaint narrative:
Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to Transunion, XXXX, and XXXX. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, 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 2025-01-02 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: NY

Complaint narrative:
Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to XXXX, Equifax, and XXXX. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to XXXX, XXXX, and Experian. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, 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 2025-01-02 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:
" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I tried to send my cash to my wife and pay my bills.And they kept the declined my payment, knowing that I have money in my account.Then after the fourth time my account got frozen.. this is the 3 time this year.. and now my lights are off and it's freezing outside so me n my family had to bring the XXXX XXXX in with no power due to my money and my account had been frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We closed on the sale of the property mortgaged by Truist Bank on XX/XX/year>. Truist issued an escrow account balance refund in the amount of {$13000.00} on XX/XX/year>. Said check was never received at the forwarding/mailing address but is thought to have been intercepted enroute or stolen from the mailbox and deposited by an unknown third party. Communications with Truist on multiple occasions resulted in our receipt of a check image in the mail on XX/XX/year>. This check image does not evidence any endorsement signature and carries an XXXX XXXX  ( with whom we have no relationship ) account number and deposit timestamp dated XX/XX/year>. 

We have filed police reports and reported the incident with both Truist Bank and XXXX XXXX  at Truist 's instruction yet have not received any further communication within their advised timelines on investigation process, progress, or intent to remediate the incident.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: TX

Complaint narrative:
XX/XX/year> : I finally signed a lease contract with Audi XXXX XXXX XX/XX/year> ( on or after ) : I received, to the best of my knowledge, the first statement from Audi requesting payment for the auto loan in question. The statement that Audi sent in XXXX of 2024 only requested payment by XX/XX/year>. 
XX/XX/year> : I made full payment ( BEFORE due date ) Audi reported missed payment for XX/XX/year> when there was NO contract in place. From XXXX to XXXX XXXX was fixing THEIR mistake with paperwork and no bills had been issued nor any contracts signed by me. Audi Finance is penalizing me for DEALERSHIP screw-ups of up initial paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Progrexion Holdings, Inc.
State: NC

Complaint narrative:
I was made aware that there is current lawsuit against Credit Repair.com and I used this service for 2-4 years. I am inquiring after a family member notified me that refunds were being sent out to former clients. Just seeing if I qualify for a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am writing to formally request legal assistance regarding a dispute with XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I joined this gym in XX/XX/year>. During the sign-up process, a staff member named XXXX explicitly assured me that there was no long-term commitment or contract required for membership. Relying on this representation, I agreed to join.

Two months later, when I attempted to cancel my membership, I was informed that I was bound by a contract. I spoke with the gym manager, who directed me to the billing department. The billing department informed me they were unable to resolve the issue. 

Despite my attempts to resolve this directly with XXXX, they have remained uncooperative. I even had to contact my credit card company to stop automatic payments, yet XXXX continued to bill me and has now referred my account to collections. 

I believe XXXXXXXX XXXX initial representation of their membership terms was misleading and constitutes a deceptive business practice. I am seeking legal counsel to address this matter and prevent XXXX from continuing this practice. their billing phone is XXXX ) XXXX or XXXX. 

I would appreciate the opportunity to discuss this situation further and explore my legal options. Please find my contact information below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX Thank you for your time and consideration. 


Sincerely,

Company response to consumer: Closed with explanation