vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: MA

Complaint narrative:
My name is XXXX XXXX, my personal information is attached to this complaint. 

I hereby file a formal complaint against a collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This agency did not follow legal protocol pertaining to debt collection validation. I was just on a call with a representative of XXXX XXXX XXXX XXXXXXXX, stating my position that there was no bill owed to XXXX XXXX XXXX  since I removed myself from a particular course before the deadline. Here is my description of a call that was recorded by XXXX XXXX XXXX XXXXXXXX. 

Client : XXXX XXXX Date : XX/XX/2025 ( Report of a conference call made about {$510.00} collections on XXXX XXXX credit report to XXXX XXXX XXXX  XXXX ( debt incurred at XXXX XXXX XXXX  ) at XXXX XXXX XXXX on XX/XX/2025 ) XXXX described the incident to a representative names XXXX as follows : A year or so ago I was enrolled at XXXX XXXX XXXX  and received a scholarship. I withdrew from my current course before the withdrawal deadline and had already paid up through that following month for tuition costs so I was under the impression that if anything I would be receiving a refund or owe nothing more. Recently I received this collection notification. 

Upon being asked if I had contact XXXX, XXXX stated : I texted my old advisor and she told me it was a back charge of the scholarship I had gotten for that semester. 

XXXX then asked what the pathways from credit removal were. 

When asked XXXX confirmed : Email, phone number and date of birth. 

XXXX stipulated that he was requesting a full validation of the debt to XXXX XXXX XXXX, however the full validation should have been requested before a collection was ever posted as required by the Federal Trade Commission and most recently by the Consumer Financial Protection Bureau. 

This collection is not valid and should be removed permanently from my XXXX credit report by XXXX XXXX XXXX  XXXX. This company does not get XXXX bites of the apple because of a clerical error. I never took the course in question and should never have been charged. The collection is fraudulent, and sanctions must be submitted against XXXX XXXX XXXX XXXX by the Consumer Financial Protection Bureau. 

This collection must be deleted from my credit report ( XXXX ) and my file purged with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
EMAILS REQUESTING RESOLUTION OF FUNDS HELD ISSUE : Account status XXXX Re Account status Ticket ID XXXX Re We have received your request Ticket ID XXXX Re why was my transfer denied Ticket ID XXXX Reminder Remove account hold to permit transfer of XXXXXXXX XXXX XXXX  Verification of email XXXXXXXX Why is this XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX  XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 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: GA

Complaint narrative:
Child support should not be showing on any of my credit reports. I did not take a loan out with the child support agency. Subject : Request for Removal of Child Support from Credit Report I am writing to formally request the removal of any child support-related information from my credit report. I recently reviewed my credit profile and found that child support payments have been reported as part of my credit history. I believe this is an error, and I would like to explain why this information should not be included on my credit report. 

Child support is not a loan or credit-based obligation ; it is a legal responsibility for the care and well-being of children. As such, it should not be treated as a debt that impacts my creditworthiness. Reporting child support payments as part of my credit history violates my rights under the Fair Credit Reporting Act, which mandates that only accurate, relevant information related to credit and debt obligations be reported. 

The inclusion of child support on my credit report can cause harm to my credit score and my ability to secure loans or credit, which is unfair considering child support is not intended to be a loan or a financial liability in the same manner as credit accounts. 

Therefore, I respectfully request that you remove any child support information from my credit report. Please provide written confirmation once this matter has been resolved. 

If you require any further information or documentation, please do not hesitate to contact me. 

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

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 2025-01-10 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: GA

Complaint narrative:
Child support should not be showing on any of my credit reports. I did not take a loan out with the child support agency. Subject : Request for Removal of Child Support from Credit Report I am writing to formally request the removal of any child support-related information from my credit report. I recently reviewed my credit profile and found that child support payments have been reported as part of my credit history. I believe this is an error, and I would like to explain why this information should not be included on my credit report. 

Child support is not a loan or credit-based obligation ; it is a legal responsibility for the care and well-being of children. As such, it should not be treated as a debt that impacts my creditworthiness. Reporting child support payments as part of my credit history violates my rights under the Fair Credit Reporting Act, which mandates that only accurate, relevant information related to credit and debt obligations be reported. 

The inclusion of child support on my credit report can cause harm to my credit score and my ability to secure loans or credit, which is unfair considering child support is not intended to be a loan or a financial liability in the same manner as credit accounts. 

Therefore, I respectfully request that you remove any child support information from my credit report. Please provide written confirmation once this matter has been resolved. 

If you require any further information or documentation, please do not hesitate to contact me. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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 obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent ive sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am requesting for this inquiry. I did not authorize this company to run my credit. I'm not liable for this debt with XXXX XXXX XXXX. I demand this be removed from 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 2025-01-10 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I received a letter stating i owe over XXXX XXXX  which this debt is not mines.I never had a phone bill with XXXX XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hereby request a complete reinvestigation against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for posting unsubstantiated debt purchases and/or collections against my personal credit reports. I have posted individual collections against each of these companies and my disputes are on point legally. I requested that each company remove all collections permanently.

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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Someone hacked in my computer through my remote access app and XXXXXXXX XXXX  themselves, through 2 different names but many accounts XXXX totaling over XXXX out of both my personal and business accounts. These were Chase accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I bought a car from US Auto Sales in XXXX XXXX  on XX/XX/XXXX and they did not pay for my warranty, I have picture proof evidence of when my contract was stopped being paid for from XXXX. My contract was signed with US Auto Sales and was sold to Westlake portfolio management without my knowledge. I totaled my car in XXXX of XXXX, Westlake told my insurance company that I had GAP but when they talked to me, they told me I did not have GAP. I am now hurting with bad credit due to Westlake illegally having my contract. My contract was not fulfilled. US Auto Sales screwed me over and now Westlake is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
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 non-monetary relief
Consumer complaint received 2025-01-10 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: NJ

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian and service financial on my credit report are listing it as a mortgage type of loan and it is not its is a installment loan i had a roof put on my house and thats what its for theres no lien or anything like that no mortgage no nothing if anything else it could be a home improvement loan or like a credit card iam working on getting a mortgage and this is effectivei g my chances very badly i need it fixed asap ive tried reahing out to both partys mentioned and i get the run around please fix this ive had this loan for a few years and it wasnt reported like this till now

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 2025-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
Dear CreditFresh Customer Service, Thank you for your response. 

I understand your explanation, but I would like to clarify the discrepancy between the information you provided and the letter I received from XXXX XXXXXXXX XXXX The letter stated that the entire payment amount of {$620.00} would be applied to the principal balance. I have attached the full letter for your reference and highlighted the relevant section. 

Could you please review the attached letter and investigate why the payment was not applied entirely to the principal as stated? 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
information was exposed in the data breach and have noticed inquires and negative inquiries on my credit report that should not be there.

Company response to consumer: Closed with explanation