vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. Please verify or remove immediately the following accounts : XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer XXXX XXXX I ask to see the original contract tPlease remove this inaccurate information from my credit report. Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. XXXX is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and XXXX lacks crucial personal and account information compared to Equifax and XXXX. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. XXXX is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, XXXX reports missed payments while Equifax reports charged off status, creating conflicting data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: FL

Complaint narrative:
On XX/XX/year>, I received a notice regarding a debt allegedly owed to XXXX. I promptly contacted the company and requested validation of the debt, including proof that it was mine, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, XXXX did not provide any documentation or evidence to substantiate the claim that this debt belongs to me. 
Without proper validation, I can not confirm the legitimacy of this debt. I kindly ask that XXXX cease collection efforts until they can provide sufficient proof. I look forward to a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hawk Inc
State: SC

Complaint narrative:
I spoke with the representatives of Lenders Loans several times about calling excessively. I am going through a family emergency and need to focus on helping a loved one. I asked them not to call me every day ( and they would have to wait seven days after we spoke ). They replied, " They can call as many times as they want. The calls will continue. '' I spoke with a representative yesterday. I stated, " I will make a payment in the middle of next week. '' She called again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: OH

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 explanation
Consumer complaint received 2025-01-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXX/XX/XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding your failure to update and/or correct my personal information in my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the rights related to the accuracy and timeliness of data ( 15 U.S.C. 1681 ).

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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a Symphony Bank-Amazon credit card which was paid off and closed in XX/XX/year>. In XX/XX/year> Amazon reopened the account, and I was sent a statement for items I never ordered or received. There was nothing on the statement stating what I was supposed to of purchase or date of purchase. Amazon refuses to discuss the problem with me and Symphony Bank-Amazon also refuses to speak to me. I sent Symphony Bank-Amazon all the invoices that I printed out online from Amazon 's website which includes what was purchased, the amount, and date sent. I also sent them my bank statement that proved that I paid the bill in full before closing the account. Symphony Bank agrees that I closed the account in XX/XX/year> but sent me a statement in XX/XX/year> for {$690.00}. There were no returns of funds, which they agree. Symphony Bank-Amazon and Amazon just reopened the account and sent me a statement for payment. After I went over the invoices and bank statement, I realized I actually overpaid Symphony Bank-Amazon {$1000.00} which is my fault for not going over their statements more closely. I am XXXX XXXX XXXX and believed if they sent me a bill for a certain amount I must owe them. I will never make that mistake again. All I have received from Symphony Bank have been form letters. The first one said they agreed with Amazon and after I sent them all the invoices from Amazon with my bank statement, ( I did magic marker off my bank account, but they already have it from my payments. ) They sent me a second letter stating they need additional information. If Amazon makes up new invoices after I downloaded all the invoices in XXXX, then they are forging invoices to cover themselves. I don't know what other information they want to prove that they have completed a fraud against me since they did not give me any idea what more proof I can supply. They want me to supply them with a police report. I guess they want me to go to the Sheriff 's Department and accuse Symphony Bank-Amazon and Amazon of completing a fraud against the XXXX. I don't know where the Sheriff 's Department is, and we do not have a local police Department. I really don't want to call the Sheriff 's Department and have them come all the way out here for this. What are they going to do about this? Tell me that this is a civil 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 2025-01-07 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-07 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: TX

Complaint narrative:
With Experian I will dispute something for something else, usually the date is incorrect, and Experian will resubmit as brand-new account ( usually XXXX yr account ) and will bring my credit score way down from it. Experian has been doing this to me forever, but I feel like it was a consequence for disputing an error. If you look at the reason for score reports dropping it will advise numerous new reports, but none are new, some are even about to fall off. Now they don't even have the original info it has just has it as new. They refuse then to even look at it again because it's disputing the same thing. I wish I could submit a report I had previous with the date it falls off the original creditor ( in a lot of cases that is removed ) and the pay history is removed, just shows new collection started in XX/XX/XXXX. I went back and forth with them with most and they don't help me and they don't confirm the data is correct. Example : I had a light bill for XXXX, I was in all bills paid apartments in that time and a year previous. I disputed and now it shows as XX/XX/XXXX, new. I feel like they are at war with me and it's not fair we have no choices in the matter nor are they held accountable. Also they will have an old loan on there and a new debt collector will take over and it shows as new and sometimes even has both on there unless I dispute it. 
I haven't had any bad reporting in a while and I don't believe they investigate at all ; it's just deal it- we confirmed as correct. There is so much more... I could write a book.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I made a purchase on XX/XX/XXXX and on XX/XX/XXXX. Both were promotions for 12 months XXXX interest 36 months. I made over payments every single month to avoid interest. Near the end of the first 12 months, I looked online to make sure my older balance was paid off and to my surprise it was no where close to being paid off. Most of my over payments were being applied to the NEWER balance. I contacted support and they told me that if I made a payment for {$1200.00} that they would apply it to the older balance and pay it off to avoid interest. So I made the payment that day. To my surprise, when I got the statement in XXXX, they only applied {$230.00} to the oldest balance and applied the rest of the payment to the newer balance. I contacted support multiple times via online chat and I also called. They were supposed to have a supervisor call me. Nobody ever called me back. Near the end of XXXX, the end of the 12 months XXXX interest portion of my older balance, I called again. The agent on the phone spoke to a supervisor but refused to let me speak to them direct. They told me it's their policy to apply payments to the newer balance vs the older balance?!?! This is an absolute scam to charge customers 29.99 % interest. I told her, how do I avoid paying interest on this balance and she said I needed to pay off the WHOLE account. The old charge as well as the newer charge. Again, this is a scam as this means the second balance is truly NOT 12 months XXXX interest. So I went online and clicked the pay balance option. It said {$3800.00}. So I paid it. The next screen said nothings due and you have no outstanding payments. I went on vacation and on the way back my wife asked if I took care of that credit card. I said yes, absolutely. She said, did you check online? and I said, no, but I did pay it off. She said I should check. So I checked and sure enough, now the bank says I owe more money?!?! It now says the current balance is {$1200.00}?!?!? This company is clearly a scam or predatory lender and should be closed down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address associated with my account. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon thorough review of my credit record, I discovered concerning late payment entries that warrant immediate attention. Despite my diligent efforts, including multiple written communications sent over 30 days ago requesting validation of these items, I have received neither acknowledgment nor substantiation of these reported late payments. This lack of response and failure to provide proper verification necessitates formal intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TN

Complaint narrative:
Hi my name is XXXX! Im new to credit world i got 2 credit card and my score is above good score! Recently i got recommendation from intuit creditkarma app that says i got pre approved for XXXX XXXXXXXX XXXX XXXX XXXX and i thought if app recommending me this then i should have no problems with getting approved and i applied then i got denied! I was shocked now i got hard inquiry report on my credit score without my mistake! Pls if u guys can remove that i would be so appreciated

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 2025-01-07 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:
In accordance with the Fair Credit Reporting Act the account XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

U.C.S. 1681 Section 602 A states that I have the right to privacy U.C.S. 1681 Section 602 A Section 2 its also states that a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
In accordance with the Fair Credit Reporting Act the account XXXX XXXX XXXXXXXX XXXX 1570 has violated my rights.

U.C.S. 1681 Section 602 A states that I have the right to privacy U.C.S. 1681 Section 602 A Section 2 its also states that a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: LA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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