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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

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 2025-01-02 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I have requested repeatedly a copy of contract requesting services. I only receive a copy of a bill or dates are changed/updated. I request verification of the account creation and have not received anything but a copy of a bill for services I have not requested.

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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
I have a small farm which I bank with Key Bank. Back in XXXX I received an alert on my phone that my funds were below {$300.00}. I knew this was incorrect so I looked on my account and there were three transactions pending amounting to over {$1600.00}. I called the bank immediately and told them that they were fraud and to stop the payment. They informed me they couldn't do that and we would need to file a fraud complaint which I did. They told me that it could take up to 90 days to resolve. I have called back to check and they said they were working on it. It has now been more than 90 days and still no resolution. When I call I get some foreign country call center and they just say they will contact me when they reach their decision. I have been more than patient and now need help in getting it resolved. Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have reviewed my credit profile and noticed accounts and personal information that I havent given written instruction to 3rd parties to report to my file. According to the FCRA this is in violation of 15 USC 1681b- PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT, I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. 
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 XXXXXXXX

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I asked that Transworld System provide a copy of their purchase agreement worth the original creditor as well as a copy of a payment contract with the original creditor with my signature. Transworld system has failed to provide either, and instead provided a form for me to dispute with the original creditor. This makes it unclear as to which company this debt is owed to, as Transworld systems has reported this debt and attempted to collect, which would imply that Transworld system has purchased this debt from the original creditor and therefore has the legal right to collect. However, Transworld providing a dispute form from the original creditor implies that that creditor still owns the debt. Since Transworld systems has failed 3 times now to provide the verification I asked for, and has now further made it unclear who even owns this debt, I request that this debt be deleted until a purchase agreement, a payment contract with my signature, and detailed info regarding when the original account was first opened, and what the monthly payment was, are all provided in order to verify ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am not able to get any assistance from this company as it relates to checking the status of my CFPB complaint opened XX/XX/XXXX complaint number XXXX. I am requesting that the 30 day late for the month of XX/XX/XXXX be removed. I have provided proof that the payment was received however, I have not received a updated call or letter regarding the status or resolution. Teammates are not sure who I need to speak with for an updated status. As of today, the CFPB complaint XXXX is showing that the company is still in review with the consumer company. I am now speaking with an agent that states that the complaint was completed XX/XX/XXXX but they are unable to provide me with an updated status. Again. please remove the 30 day late immediately or further lawsuit action will be submitted.I have spoken with the CFPB directly and the agent is advising me that the case is still opened and has not been completed by the company. This is not fair to keep having to speak with so many people that give you no information or different information, In the meantime I am suffering harm because my credit is jeopardized

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 collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law.

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state.

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above.

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
In XXXX, during the pandemic, I request a deferment of my car payment. I was offered a 4-month deferment with the four payments added to the back of the loan. I agreed to take the extension. Starting on XX/XX/XXXX, I had no car payment for 4 months. In XXXX, make payment was to restart. I made payments in XXXX, XXXX, XXXX, and XXXX. See attached documents. For these 4 months, none of the payments were applied to the principal ; they took the whole payment and applied it to nothing but interest. I find this not to be a normal practice. Next, according to the term of my contract, my last car payment was supposed to be on XX/XX/XXXX. I have made a payment for the following additional four months to cover the four payments that were added to the back of the loan during the period for the extension. See attached file. When attempting to communicate with ally and questioning why the 4 payment was only applied to interest, I was unable to get a clear reasoning. When I attempt to calculate for myself what they have done for the beginning of this loan, it does not make any sense.

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: Managing, opening, or closing your mobile wallet account — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Was my XXXX unrestricted or unblocked because I still cant enroll it with XXXX XXXX please tell me if it was unblocked or unrestricted or do it for me by unblocking it or unrestricted email is XXXX and phone number is XXXX please unblocked it or unrestricted id its not blocked or restricted tell me what banks have blocked it or restricted it etc.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information appearing on my credit report includes : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX  on XX/XX/XXXX. 
A lease account opened at XXXX on XXXX on XX/XX/XXXX. 
A lease account opened at XXXXXXXX XXXX on XX/XX/XXXX. 
A lease account opened at XXXX XXXX XXXX on XX/XX/XXXX. 
Additionally, multiple fraudulent hard inquiries and collection accounts have appeared on my consumer credit report as a result of these fraudulent accounts. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : A copy of my consumer credit report maintained by TransUnion showing the fraudulent items. 
A list of the fraudulent hard inquiries in question. 
A copy of an FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving this complaint. I also request that all collection activities related to these fraudulent items cease immediately.

Please provide written confirmation regarding the resolution of this complaint.

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 2025-01-03 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: AZ

Complaint narrative:
I am requesting an investigation into these accounts as there appears to be an error regarding their accuracy on my credit report. These accounts were removed previously but have since been re-added without my knowledge. I was neither notified about their return nor received any communication about this via mail.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the excessive interest charges on my student loan. Upon reviewing my payment history and loan agreement, I noticed that I have paid more than three times the original loan ( $ XXXX ) amount in interest alone ( $ XXXX ). This situation feels unreasonable and financially burdensome. 

While I understand the terms of the loan were agreed upon initially, the extent of the interest far exceeds what I believe to be fair or competitive compared to other lending options. It is disheartening to see that such terms heavily penalize borrowers and make it exceedingly difficult to pay off the principal amount. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my Consumer Report, I identified discrepancies regarding late payments reported on accounts where I have consistently maintained on-time payments. I rely on Consumer Reporting Agencies to ensure the accuracy of my financial history, as it reflects my commitment to responsibly managing my obligations. 

The accounts in question are as follows : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number:XXXX XXXX  Account Number : XXXX I respectfully request a detailed investigation into these discrepancies. If there is evidence to substantiate the reported lateness, such as account statements, I kindly ask that it be provided. However, if no such evidence exists, I demand these accounts be updated immediately to accurately reflect my consistent, on-time payment history. I've reached out to the Creditors and the Bureaus to have these payments updated and removed but nothing has changed.

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: TX

Complaint narrative:
Upon reviewing my Consumer Report, I identified discrepancies regarding late payments reported on accounts where I have consistently maintained on-time payments. I rely on Consumer Reporting Agencies to ensure the accuracy of my financial history, as it reflects my commitment to responsibly managing my obligations. 

The accounts in question are as follows : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account XXXX XXXX  Account Number : XXXX I respectfully request a detailed investigation into these discrepancies. If there is evidence to substantiate the reported lateness, such as account statements, I kindly ask that it be provided. However, if no such evidence exists, I demand these accounts be updated immediately to accurately reflect my consistent, on-time payment history. I've reached out to the Creditors and the Bureaus to have these payments updated and removed but nothing has changed.

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 information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've sent proper documentation to XXXX XXXX to delete this account from my credit and they still have failed to do so

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