vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Name : XXXX XXXX Inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Charge Off : XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX : {$1100.00} Repossession : XXXX XXXX TX XXXX Balance : {$10000.00} XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX : {$67.00} XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3500.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi bank diamond card. This is XXXX time of company reducing credit limit to almost debt owed without reason or request in which causes harm to my XXXX XXXX. I have been member since XXXX. Most recent happen XX/XX/XXXX i made large payment of XXXX to reduce debt and they promptly responded by reducing my credit limit by same amount without cause. This action causes harm to my XXXX XXXX which limits my ability to engage in any other credit related activities such as opening new credit with great introduction offers that i could transfer debt to reduce interest to XXXX for XXXX to XXXX  months in which would give me time and ability to save money and pay off my debt. I think they are doing this in order to intrap me to there XXXX XXXX interest. My payments to all my creditors including this one is on time with no negative XXXX history yet my score drops to XXXX when they take these actions against me. This action i feel is preditory in nature in order to limit my ability to move my consumer choices around responsibly and save money in process. This is XXXX time they have acted in this manner to me and they have done the same to my spouse.

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 2025-03-21 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: MD

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-21 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: MD

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My funds have been withdrawn from my account and I've been incarcerated for over a year and a half almost XXXX years and I was told my balance was {$0.00} which it shouldn't have been at all. I haven't used my account due to me being incarcerated, I would please like you guys to fix this and reimburse me with my funds. I also have the paperwork showing when I was released which was XX/XX/XXXX. I have been incarcerated since XXXX of XXXX and there's no way possible for me to have used my account. There's no way for me to fill out the affidavit of forgery form because I can't even get into my account to see the transactions. I have been incarcerated since XX/XX/XXXX, theres no way i made a withdrawal or made any activity on my account I couldnt and didnt have access to my account due to me being in jail. I ask that you guys please look back over this and make the right decision and work in my favor, I was looking forward to these funds when I got released and to my surprise my account has basically been wiped clean and left with XXXX cents. I did not authorize or initiate this transaction. Please take immediate action to investigate the charge and reverse any related fees associated with it. I have already taken the following steps to protect my account and reached out to guys as soon as I was released and noticed this transaction there was no way for me to reach out when it took place because I had no way due to the fact of me being incarcerated. Please confirm receipt of this letter and let me know what additional information or steps are required from my end. I would appreciate your prompt attention to this matter, and I look forward to resolving it as soon as possible. 
If you need to contact me for further details, please reach me at XXXX or XXXX. I have also send and attached a copy of my paperwork from when I was released from incarceration as well. I did not authorize or initiate this transaction. Please take immediate action to investigate the charge and reverse any related fees associated with it. I have already taken the following steps to protect my account and reached out to guys as soon as I was released and noticed this transaction there was no way for me to reach out when it took place because I had no way due to the fact of me being incarcerated. The amount is my tax refund for {$4700.00} which was a little less because theyre saying my account was overdrawn and the trace ID is XXXX on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: KY

Complaint narrative:
Summary : I am submitting this complaint regarding Beyond Finance , LLC due to misleading practices and inadequate support that have caused me financial harm, legal distress, and worsening health conditions. I enrolled in XXXX Finances debt settlement program based on their assurances that they would help negotiate and resolve my unsecured debt without legal consequences, provided I stopped making payments on those accounts per their instructions. 

Key Facts : In XXXX, I enrolled approximately {$15000.00} in unsecured debt into XXXX Finances program, including a {$5000.00} personal loan from a credit union. 

On XX/XX/XXXX, XXXX confirmed that the XXXX XXXX debt had an enrolled balance of {$4800.00} and was 139 days delinquent. The delinquency was a direct result of XXXX instructing me to stop payments so they could begin negotiations. 

In XX/XX/XXXX, I was served with a civil summons to appear in court regarding the same credit union debt. The court filing listed a different balance ( {$4900.00} ), and no settlement had been negotiated by XXXX at that point, despite months of enrollment. 

The XXXX XXXX subsequently demanded {$5400.00} by XX/XX/XXXX, an amount far exceeding my financial capacity and beyond the original debt amount. 

I appeared in court on XX/XX/XXXX, taking time off work, only to find that the case was not on the docket due to improper service. I filed a motion with the court to dismiss the case for lack of proper service. 

Throughout this process, Beyond Finance provided little to no support, failed to respond promptly to my concerns, and offered no legal guidance despite the legal action stemming directly from their strategy. 

Impact : My XXXX XXXX has significantly dropped due to the delinquencies XXXX caused. 

I am now facing court proceedings and a potential judgment or wage garnishment, neither of which I was properly prepared for or warned about. 

As someone living with a XXXX XXXXXXXX, the XXXX  and instability caused by XXXX program have had a serious negative effect on my health. 

I was misled into believing that Beyond Finance would intervene before legal actions occurred and that I would be protected if I followed their instructions. That was not the case. I explicitly asked if there would be any negative impact from this program when signing up and i was told that this would be the " best decision to make. " Request for XXXX : I would like an investigation into XXXX XXXX practices and how they handle client accounts facing litigation. 

I am seeking relief from the financial and legal consequences caused by their poor handling of my case. 

I would like to see greater accountability and oversight of companies offering debt settlement services to vulnerable consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I have shown court document showing that my eviction is less than XXXX yet on my credit report its says I owe almost XXXX. Even with court documents they keep putting the debt remains with no information on why it will remains. I called XXXX and ask if they were sent any information and the representative told me no that the collector said it remains so experians just believe the collection agency. So the representative resubmitted the dispute added the court document and after a week the dispute was put on remains again with no additional information as well. But the collection company has called me asking me how am I going to pay the debt of XXXX they didn't even verify my identity so I hung up because I am requesting information on this debt. I don't understand how a collection agency word is more secure than a court documents. This is the court document that was provided court # XXXX this court documents can be found in the XXXX XXXX clerk of courts record in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

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

Company 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

Company 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 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Millco Management
State: SC

Complaint narrative:
XX/XX/year> XXXX i was checking my credit report and score and saw i had something that states needs attention. Something was in collections from Amerifinancial solutions. I have no idea who this is from or what it is for. i have not received anything about this. This place sent my information to this company also without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XX/XX/year> If a car gets repossed at XXXX am i should have been able to make a payment at XXXX when representatives were available. My vehicle should then have been released. 

It doesn't take XXXX  days to get a figure when they already know what the figure is i owe. They are scammers and provide illegal and unethical business procedures. 

If in XXXX days my vehicle isn't paid the tow company then moves the vehicle to another location. Therefore Ally will tack on fees for XXXX towing companies for their mileage, and storage prices. Not only the fact they will charge for my key from what I was just recently told. 

Totally illegal

Company response to consumer: Closed with explanation