vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have asked for incorrect information to be deleted all of my credit report, also information that is in accurate and it still remains there. I also have accounts that are in collections whereas I had no contract with these collection agencies. I have requested a letter of validation verbally, i have not receive one at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention

Company public response: Company can't verify or dispute the facts in the complaint
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: 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding financial losses caused by the inability to use my vehicle due to a safety recall acknowledged by XXXX XXXX. My XXXX XXXX XXXX was recalled on XX/XX/XXXX, for a critical brake system defect. Due to the delay in scheduling the repair, my vehicle was inoperable for over six weeks, until XX/XX/XXXX. 
During this time, I was unable to use the vehicle for work, which resulted in a significant loss of income. Despite not being able to use the vehicle, I continued to make loan payments totaling {$1500.00}. I believe these losses are directly tied to the safety defect acknowledged by XXXX XXXX and should be compensated. 
I contacted XXXX XXXX directly ( XXXX XXXX XXXX : XXXX ), but they refused to provide any compensation, stating their responsibility ends with repairing the defect. This refusal disregards the financial impact of the defect on consumers and violates my rights as a consumer under U.S. and XXXX XXXX XXXX consumer protection laws. 
I request that CFPB investigate this matter and assist in securing compensation for the loan payments made during the period my vehicle was inoperable due to the safety defect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Companies refused to removed items but didnt provide the things asked to verify the debt and remove these hard inquiries that I didnt authorize due to identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I currently have six inaccurate tradelines listed on my Experian credit report, and I have made numerous attempts to dispute these entries. Despite my relentless efforts, the disputes consistently result in the tradelines being marked as accurate. Normally, the dispute process takes about XXXX days to yield any results, but astonishingly, my disputes are often resolved in less than XXXX hours. In addition to the tradelines, I faced challenges with my personal information, which required me to dispute it multiple times before Experian finally corrected the inaccuracies. On XX/XX/XXXX, at XXXX PM, I took the initiative to email a formal letter through the Experian XXXX, specifically addressing the Method of Verification ( MOV ). My intention was to understand their process for verifying the inaccurate items listed on my report and to gain insight into the procedures they follow. To further clarify my situation, I called Experian on XX/XX/XXXX, at XXXX AM and spoke with a representative named XXXX. This conversation followed another call I made on XX/XX/XXXX, at XXXX PM, during which XXXX confirmed that my letter had been received in the portal. During my chat with XXXX, I expressed my frustration about not receiving a response regarding my MOV inquiry. He informed me that their policy is not to provide feedback about their verification procedures. I took this opportunity to remind him that I have disputed the entries related to bankruptcy on multiple occasions and have provided supporting documentation, including the bankruptcy letter from XXXX. My attempts to resolve this matter have become increasingly difficult and time-consuming.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX link my information during data breach Capital one account date open XX/XX/XXXX needs to be removed in violation of 15 USC 6802 ,15 USC 1681b and18 USC 1028A and must be removed immediately. 
XXXX  XXXX XXXX XXXX account date opened XX/XX/XXXX needs to be removed in violation of 15 USC 6802, 15 USC 1681b and18 USC 1028A and must be removed immediately. 

XXXX link my information during data breach XXXX XXXX Reported date XX/XX/XXXX needs to be removed in violation of 15 USC 6802, 15 USC 1681b and18 USC 1028A and must be removed immediately.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed this morning that some incorrect accounts have appeared on my credit report for reasons I dont understand. I check my report often, but this time unexpected discrepancies caught my eye. I attempted to refresh my browser in case it was a glitch, but the false accounts remained. Therefore, Im requesting a detailed review of my submitted documents so I wont have to worry about this in the future.

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: 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SSN XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violating XXXX XXXX XXXXFPB, I am writing to file a formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my repeated efforts to dispute inaccuracies on my credit report, Experian has not conducted proper investigations into these disputes. I have sent multiple letters detailing my concerns, yet Experian has failed to provide satisfactory responses or correct the errors as required by federal law.Additionally, I recently learned about the CFPB 's lawsuit against Experian for similar violations, including conducting sham investigations and failing to remove or reinsert errors on credit reports. This raises significant concerns about their practices and their impact on consumers like myself, affecting our access to credit, employment, and housing.I request that the CFPB investigate my complaint against Experian and take appropriate action to ensure they comply with the FCRA. I am attaching copies of my correspondence with Experian as evidence of my attempts to resolve these issues.Thank you for your attention to this matter. I look forward to your prompt response.Sincerely, 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 2025-01-10 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 looked at my report on XX/XX/year> 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 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. 

I sent a letter asking them to reinvestigate these accounts listed below because ( XXXXXXXX XXXX  ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 

( XXXX XXXX ) open date is not reporting correctly, date last active, date of last payment Is not correct, this account is not accurate. 


Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate 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 furniture of that information that the information has been deleted from the file of the consumer

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reason for Dispute : Inaccuracies with the Status, Late Payments, and Reporting Dates between 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 2025-01-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Onemain financial XXXXXXXX XXXX ive been paying on this bill for XXXX years {$200.00} every month and the interest rate have been dropped. Theyve been missing my credit card. My name is XXXX XXXX. My phone number is 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Payfare International Inc.
State: FL

Complaint narrative:
On XX/XX/year> I, XXXX XXXX was informed via email that my XXXX driver account had been deactivated due to fraudulent behavior. However the company has failed to provide me exactly in what way or how fraudulent behavior was evidently determined. The main issue with this is the lack of communication and transparency provided amongst the business. XXXX does not have a direct form of contact to the department that handles deactivation appeals. I have attempted to appeal but I have told I have to give a reason for reconsideration. However the tricky part with this is how can I dispute or appeal something when I have no knowledge of what was done. My appeal was then denied and as stated prior I cant get in touch with anyone who can give me more information regarding this. I am expected to wait XXXX days to submit another appeal and by doing so I could then communicate with the department handles it. However, waiting XXXX days on something that relied on substantially financially is a big problem. I wholeheartedly believe there has been a major mistake and the company refuses to evidently provide me with any information regarding my deactivation. In the email informing me of my deactivation it states due to continued, repeated instances where you did not proceed to the customer-designated dropoff location causing the order to be cancelled. However it fails to mention or consider that in order for an order to be cancelled the driver must undergo certain procedures and protocol to cancel an order ; Meaning in order for me to cancel an order i first have to speak to an agent who then calls the store and decides if the order needs to be cancelled or what further action needs to be taken place. If orders have to be cancelled outside of my control then how is that a basis for fraudulent behavior? XXXX drivers are received half pay compensation for any orders that need to be canceled to compensate the drivers for their gas and time it takes to get to the store or restaurant. I feel Ive been wrongly discriminated due to XXXX not wanting to repeatedly compensate me for orders having to be cancelled outside my control, so in order to save themselves money they deactivated my account.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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