vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
XXXX XXXX NA, inquiries on XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. I never filled out for a XXXX  XXXX credit card and was incarcerated from XX/XX/XXXX to XXXX XXXX. This account was filled out for while I was incarcerated I explained that to them and they never took it off. They did take the debt amount down from {$1300.00} to {$0.00}. Which I am grateful for however it still is marked on my XXXX account as a charge-off and has been on my credit report for years while I was in jail. I disputed it when I got released and also made a complaint with the CFPB back in XXXX and they still have not removed it. I have also been filed a identity theft report with the proper authorities. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX NA, inquiries on XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. I never filled out for a XXXX  XXXX credit card and was incarcerated from XX/XX/XXXX to XXXX XXXX. This account was filled out for while I was incarcerated I explained that to them and they never took it off. They did take the debt amount down from {$1300.00} to {$0.00}. Which I am grateful for however it still is marked on my XXXX account as a charge-off and has been on my credit report for years while I was in jail. I disputed it when I got released and also made a complaint with the CFPB back in XXXX and they still have not removed it. I have also been filed a identity theft report with the proper authorities. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There was a major data breach and a lot if not all of my info has been exposed to third party sites for use.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There was a major data breach and a lot if not all of my info has been exposed to third party sites for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I keep asking for a receipt and validation on what that refund amount is or stems from and Ive been getting ignored and me and my family need it Like Im purposely not being given information about and issue XXXX, XXXX and mohela knew about during the XXXX XXXX financial crisis and what it did to my loan type and is being ignored and they actually think I dont have right to the information why the continue to report that Im not paying payments under new terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
This account : XXXX is reported in my credit report without proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE XXXX Correction to my personal information Dear Transunion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


Wrong address : 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 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto-pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to express my concerns regarding the security of my personal information following the XXXX data breach and also inaccurate reporting of charge-offs on my credit report and to request your assistance in ensuring compliance with federal laws, specifically 15 U.S.C. 1635 and 15 U.S.C. 1692g. These accuracies have negatively impacted my credit profile and require immediate correction.

Under the Fair Credit Reporting Act, entities handling consumer information are required to implement reasonable procedures to protect personal data. The following provisions are pertinent : 15 U.S.C. 1681 ( b ) : Purpose of the FCRA This section mandates that consumer reporting agencies use reasonable procedures to ensure the confidentiality, accuracy, and security of consumer information.

15 U.S.C. 1681e ( b ) : Accuracy of Information Consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. The breach has led to inaccuracies in my credit report, including [ describe inaccuracies, if applicable ].

Legal Grounds for Complaint Right of Rescission 15 U.S.C. 1635 Under the Truth in Lending Act, I have exercised my right of rescission for the relevant account ( s ). This legal right voids any obligations related to the account and invalidates any associated charges, including the charge-off status. Despite this, the creditor continues to report the account inaccurately.

Debt Validation 15 U.S.C. 1692g Pursuant to the Fair Debt Collection Practices Act, I have requested validation of the alleged debt ( s ) from the creditor ( s ) and/or debt collector ( s ). To date, no sufficient validation has been provided, and the continued reporting of these charge-offs violates federal law.

15 U.S.C. 1681w : Disposal of Records This section requires proper disposal of consumer information to prevent unauthorized access. The breach suggests potential negligence in adhering to these requirements. 

Please remove the following items from my consumer report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-12 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Late Payments from XXXX XXXX XXXX  Account Dear Credit Reporting Agencies, I am writing to formally request the removal of three late payments reported on my XXXX XXXX XXXX  account from my credit report. These late payments are currently listed on my Experian, XXXX, and XXXX reports ; however, the account does not appear on my XXXX report. This discrepancy suggests that the information may be incomplete or inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The absence of this account on my XXXX report raises concerns about the accuracy and completeness of the data being reported by your agency. 

Furthermore, the FCRA 609 grants consumers the right to request the disclosure of information in their credit file, and 611 provides the right to dispute inaccurate information. I am exercising these rights to dispute the late payments reported on my XXXX XXXX XXXX account and request their removal from my credit report. 

If these late payments can not be verified as accurate and complete within 30 days, the FCRA 611 ( a ) ( 5 ) ( A ) mandates that the information must be promptly deleted from the consumers credit file. Failure to comply with this requirement may result in legal action, as FCRA 616 and 617 provide consumers the right to seek damages for willful or negligent noncompliance with the Act.

Please investigate this matter and remove the unverified late payments from my credit report within 30 days. If you determine that the information is accurate, I request that you provide me with documentation verifying its accuracy. 

If this issue is not resolved within the specified timeframe, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies to protect my rights as a consumer. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I attempted to deposit {$100.00} cash into wellsfargo atm. The atm feeder seemed defective and ate the cash without allowing me to pull it out. However, it did not credit my account. I went inside the branch and the staff would not help as they claim the ATM is managed by a third party. So they could and would not open it to attempt to retrieve the cash. I was told my only option was to file a claim and Id hear back in 2 weeks. As of today, I called and was told my claim is denied and I have no communication of this outcome or reason from Wells Fargo. This is the first of many issues with this branch and organization.

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 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I owed Amex cc ever since I lost my job 2 years ago and theyve literally called me like 10 times a day everyday untill I started ignoring the calls. I didnt know you could even file a complaint about this stuff but its been mentally exhausting I want to repay obviously but am having a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
information was sold and debt collectors are harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over several months the company refuses to help. When setting up a credit monitoring account the system gives me an error : We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOWEVER, when I call the system always sends me back to the website and ends the call. 
I have call during the day and hours they require. 
I have tried describing the error multiple different ways. 
There is no way to solve the problem on the web or over the phone.

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 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was charged twice for late fees over the amount of {$8.00} after the CFPB banned excessive credit card late fees. Once in XX/XX/year> in the amount of {$35.00} and another time in XX/XX/year> in the amount of {$28.00}. 

https : XXXX

Company response to consumer: Closed with monetary relief