vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. XXXX  XXXX Account Number : XXXX XXXX XXXX, 2024, XXXX XXXX XXXX Account Number : XXXX XX/XX/year>2024, XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX2024 and XX/XX/year>2024, XXXX XXXX  XXXX Account Number : XXXX XX/XX/year>2024, XXXX XXXX XXXX XXXX,2024 XXXX XXXX  XXXX XXXX,2024, has violated my rights. I looked at my Experian credit report on XX/XX/year>2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 2025-01-05 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: DE

Complaint narrative:
I am a victim of the EQUIFAX data breach and have discovered an unhealthy amount of inquiries on my credit profile, all of which i NEVER AUTHORIZED nor INITIATED OR GAVE CONSENT TOO. The inquiries below are fraudulent and must be deleted immediately from all reporting Bureaus : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company has called me every single day for months on end. Ive told them to stop and they keep calling. Ive blocked numbers but they find a way. They just keep calling and calling. This is harassment at this point. Under the TCPA, they are not allowed to constantly call and harass me. Delete this debt from my name and stop calling me! Further action with be taken if this keeps up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX  {$750.00} XXXX {$410.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing a complaint against Exeter Finance as they are reporting an account on my consumer credit report as a charge off which is considered income. They are not allowed to report income on my consumer report and they have also not provided me with the title to my vehicle although this is being reported this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I've answered a few of their calls but no one says anything. I tell them you called me so talk then I get a click, so I've quit answering. When I look up the number its from them. They never ever leave a voicemail and they come from lots of different numbers. Just saw the 7 calls in 7 days rule. I get at least that many in one day sometimes more. They start shortly after XXXX and go as late as XXXX. I get them 7 days a week, weekends and holidays. I personally feel its harassment. I have XXXX XXXX and sleep alot but have to put up with their calls. I now have my phone on silent. Please help! I have attached phone log for some of the calls. Please note there may be other calls in there as well

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 2025-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In XXXX of 2018 we signed up for a Heloc with a variable rate of XXXX XXXX rate XXXX XXXX % and discount of .25 % for auto pay. We did not realize until a couple of months ago they never have given us the .25 % for auto pay and Now they have failed to reduce the interest rate employed for calculating are XXXX monthly interest payment by also .25 % reflecting the reduction of XXXX XXXX XXXX 7.75 % in XX/XX/XXXX. Conversations with representatives of Citizens in response to our written inquiries have gotten us no where. 

The information provided by Citizens Bank on monthly statements may or may not be in comformance with " Tila '' I am not an attorney but they are are both vague and incomplete and for sure are the antithisus of the goal of TRANSPARENCY which is at the heart of the the federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, or XXXX did not follow the directions of my complaint. I did NOT ask for another investigation. AGAIN, this is NOT a dispute. Since you provided the results of an investigation, and I am within 15 days of receiving the results, I am now asking you to provide the method of verification under section 611 ( a ) ( 6 ) ( B ) ( iii ), which states the consumer reporting agency is obligated to give me with the name of the person or entity contacted for verification and a description of how the information was verified. 

With that said, regarding the item listed " XXXX XXXX XXXX XXXX XXXX' I want to know the name of the person or entity you contacted for verification, describe how the information was verified, the address of the person or entity you verified the information with, and I want to know did you forward all relevant information, including my original letter and exhibits? Transunion claims the data furnisher verified the account, while listing XXXX XXXX XXXXXXXX XXXX  as the data furnisher, but XXXX XXXX XXXXXXXX XXXX  sent a letter stating the court does NOT communicate and verify anything with the credit bureaus.

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 2025-01-05 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:
I recently review my credit report and notice I had fraudulent accounts in my report report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had this card for years and it was closed MANY years ago! During XXXX they raised my interest rate even though the account was closed. I had called them and was told they could change it whenever they chose. I have talked to an attorney friend who told me they should not be changing the interest rate after an account has been closed. I want the interest they have been accruing, and that I have paid, refunded and the interest rate put back to the ~ 3 % it was. The account is in my mother 's and my name. My mom is XXXX XXXX XXXX, she has no charges or payments on the account. It has always been all my responsibility. 
Account number ending in XXXX Billing Inquiries and Customer Service XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX, ( TTY : XXXX ) www.citicards.com

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Dear LexisNexis Consumer Center, I am writing in response to your communication dated XX/XX/scrub>XXXX  regarding your attempt to reach me via email to obtain additional identifiers for the investigation related to my LexisNexis Consumer Disclosure Report ( LNCDR ). I apologize for the delay in providing the requested documentation.

As requested, I am enclosing the following : 1. A clear copy of my government-issued identification.

2. A recent utility bill dated within the last 60 days as proof of my current address.

Please use this information to complete your investigation and provide me with the results, along with a copy of my updated LexisNexis Consumer Disclosure Report.

Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In XXXX of 2024 I received a car loan with Santander Consumer USA Inc for XXXX with a payment of XXXX per month. I have made this payment every month since payments started XX/XX/XXXX but my credit report shows that when santander last reported in XXXX of 2024, they reported no payments have been made and that I still owe the full XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
XXXX XXXX XXXX sold my information to Westlake Portfoli after XXXXXXXX XXXX  went bankrupt. My payments increased and my pay down is not reflecting on my credit report. It looks like I've barely paid anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I mailed a written dispute to this credit bureau requesting that inaccurate information on my credit report should be validated and updated immediately. This credit bureau responded back with a letter claiming that they did not believe this dispute was sent by me and that I would have to call and verify my identity with them, I proceeded to call and verify my identity and after spending countless time over the phone being transferred back and forth, I still was unable to get any real help with this issue. I am requesting that the negative and inaccurate information on my credit report is immediately deleted. Per the Fair Credit Reporting Act, this company had 30 days to validate this request and update my credit report but they failed to maintain protocol that follows the laws set forth in the Fair Credit Reporting Act, failing to meet these requirements, any information disputed should be immediately deleted 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 non-monetary relief
Consumer complaint received 2025-01-05 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: AZ

Complaint narrative:
Experian failure to conduct a proper investigation into disputed information on my consumer report remains true. Despite providing documentation to support my claim of identity theft and inaccuracies, Experian has repeatedly dismissed my disputes without meaningful investigation. Their reasoning, often citing that I " should have known about these accounts, '' demonstrates a clear lack of due diligence and appears to be a stall tactic rather than a legitimate investigation. 

This ongoing failure by Experian has caused significant financial stress and violates their obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, Experian is legally required to ensure that the information they report is accurate, relevant, and free of errors. They are also obligated to conduct thorough and fair investigations into disputed accounts. Their inability to comply with these regulations is not only harmful to consumers like myself but also constitutes an abuse of their role within the financial system. 

I urge the CFPB to hold Experian accountable for their non-compliance and lack of transparency. As a consumer, I rely on the integrity of credit reporting agencies to provide accurate information and to resolve disputes in a manner consistent with federal laws. I request that the CFPB take appropriate action to ensure Experian fulfills its legal obligations and remedies the errors on 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Greetings, I have been notified by several monitoring agencies that my personal data information has been compromised, leaked and stolen. Thats including my name and likeness, address, email as well as social security number. Please Help! 
Thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NV

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Collection account from XXXX XXXXXXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Public Record from a XXXX  XXXX bankruptcy XXXX on XX/XX/XXXX. I dont recognize this public record. Please provide proof from the court of this public record. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2025-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am formally disputing the reporting practices of Credit Acceptance XXXX related to my account number XXXX. 

In my communications with Credit Acceptance XXXX, I learned that the vehicle associated with this account was repossessed and subsequently sold. As a result, the account was closed as of XX/XX/year>2022. Despite this closure, Credit Acceptance XXXX continues to report an outstanding balance of {$14000.00}, along with notifications that I am over 120 days late. This reporting is misleading and inaccurate, as no payments should be due on a closed account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), a furnisher of information must not report inaccurate information to consumer reporting agencies. Additionally, the FCRA requires that information reported must be accurate and up to date. Continuing to report an account as overdue after it has been closed and associated with a repossession violates these legal obligations. 

I have already sent a letter to Credit Acceptance XXXX outlining these concerns, but I have not received a response. Therefore, I am requesting your assistance in resolving this matter. I ask that you investigate the potentially unlawful actions of Credit Acceptance XXXX regarding their reporting of my account. 

Moreover, I respectfully request that the CFPB ensure that Credit Acceptance XXXX ceases all inaccurate reporting related to my closed account to the credit bureaus, and that they provide written confirmation of the cessation of reporting. 

Thank you for your attention to this matter and for your assistance in protecting consumer rights. I look forward to your prompt 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