vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MA

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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I seen that I was being charged too much and when I ask them why an I paying so much and nothing is changing or moving they stated that I would see improvements and that the amount they have taken was the fees associated with credit repairs. I ask for a break down of the charges. They stated they would send something in writing and we are still waiting!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
This is MY SECOND WRITTEN REQUEST, formally disputing the accuracy of information being reported under my name on my credit report. Although you responded stating the information has been verified, as a consumer seeking to ensure the accuracy of my credit file, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), ( 15 USC 1681i ( a ) ( 7 ) ), which mandates that a consumer reporting agency must provide the method of verification they relied upon when responding to a dispute.

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 2025-01-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Charge-Off Under the Fair Credit Reporting Act and Section XXXX Dear Experian/Transunion/Equifax, I am writing to formally request the removal of an inaccurate charge-off from my credit report. This charge-off, reported by XXXXXXXX XXXX is either inaccurate or fraudulent. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 605B ( 15 U.S. Code 1681c-2 ), to have this information blocked or removed. Specifically, the reporting appears to violate provisions under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), 1666b, and 1637 ( b ). As a result, the information reported to the credit bureau is invalid, and there is no legitimate basis for it to remain on my credit report.

The specific details of the disputed account are as follows : Creditor/Account Name : XXXXXXXX XXXX  Account Number : XXXX Date of Reported Charge-Off : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account was added to my credit report without proper verification or as a result of identity theft. Under Section 605B of the FCRA, consumers have the right to request the blocking of any fraudulent information from their credit report. As required by Section 605B, I request that you block or remove the charge-off account from my credit report within four ( 4 ) business days of receiving this letter and the supporting documentation. If this account can not be verified as accurate and legitimate, it must be deleted from my file in accordance with 15 U.S. Code 1681i ( Dispute Resolution ) and other relevant FCRA provisions.

Failure to comply with this request may result in further legal action to enforce my rights under the FCRA. Please confirm the removal of this charge-off and send me an updated copy of my credit report once the corrections have been made. 
If you need any additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this matter. 
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 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Dear XXXXXXXX XXXX XXXX Thank you for your response regarding my inquiry about the CFPB 's recent ruling on credit card late fees. While I appreciate your firm 's willingness to address my concerns, I must clarify my position regarding the applicability of the Credit Card Penalty Fees Final Rule. 

You mentioned that the rule, issued on XX/XX/year>, has been stayed due to ongoing litigation. However, I believe it is essential to consider the implications of this ruling and the public interest it represents. The CFPB 's efforts to regulate late fees reflect a growing recognition of the financial burden these charges place on consumers. While I understand that your company suggests that the rule is currently not in effect, it signals a potential shift towards fairer practices in the credit industry. 

I would like to emphasize that consumers have a right to advocate for fair treatment, especially in light of regulatory changes aimed at protecting them from excessive fees. My request for a reconsideration of the late charges applied to my alleged account is not solely based on the current status of the rule but also on the principles of fairness and accountability that underpin the CFPB 's mandate. 

I remain committed to resolving this matter amicably and hope we can find a practical solution that acknowledges the evolving regulatory landscape and my concerns as a consumer. I look forward to discussing this further and appreciate your attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MS

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 explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-06 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX. Finbe XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've recently looked at my credit report and noticed some inaccurate reporting by : 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've recently looked at my credit report and noticed some inaccurate reporting by : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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:
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 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I was made aware of an incident that occurred about beginning of XX/XX/year> at the Huntington Bank located in XXXX XXXX, MN. An individual came into the bank, approached the teller line stated wanted to close an account due to a death. The perpetrator produced a fake death certificate along with a fake ID, impersonating me ( XXXX XXXX ) The individual was trying to close the account in which I am a primary owner along with my mother XXXX XXXX XXXX XXXX ), therefore I had authority to conduct transactions on the account. The Personal Banker stated she knew my sister XXXX XXXX XXXX ) and was going to call her. At that point the perpetrator left the premises. When my sister was contacted she informed the Banker my mother is still alive and that she was calling the police over the matter. XXXX Police Department was called, which they visited my mother since her name was on the account also. The matter is still being investigated. I am filing the complaint that the Bank Personnel did not take proper procedure to handle the matter when the person came in with documentation to properly verify without alerting the individual of their intention to call the sister for verification. There were multiple red flags the banker ( s ) should have seen : ( 1 ) I am a primary account owner and the person produced a death certificate stating wanted to close an account. Why would I need to do that if I am a primary owner. ( 2 ) Instead of calling my sister why didn't they call the police from a phone located away from the teller line ( 3 ) Why didn't they call my mother to verify if she was alive or not verses calling my sister. The bank failed to protect my mother, myself and the accounts in which we hold in joint ownership. From what I understand the banker told my sister it was your brother that came in and did this, indicating that it was me ( XXXX XXXX ). I have not been to the bank since XX/XX/year>. This has affected my life, my credibility and my job. I would like camera footage pulled when this incident occurred and shared with law enforcement to assist the investigation as to who under false pretenses came into the bank with the intent to commit fraud utilizing false identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance called me XX/XX/XXXX first called started little after XXXX mind you this is a sunday, I told them it was a XXXX  i am ill stop calling me dont call on a XXXX  any way the calls kept up till around XXXX a total of XXXX calls few XXXX left also I paid XXXX of my auto payment on the XXXX .. they were calling to aggervate me me over the other XXXX payment .. my payments are XXXX a month XXXX was charged XXXX for a XXXX car that has nothing but problems they refuse to change my payment date, just bs about payment schedule and charges late fees I was running a XXXX fever friday night got very XXXX.. I told them its XXXX  don't call me on a XXXX  ( recorded ) and they kept it up all the way till XXXX XXXX  XXXX  over XXXX calls... I am done with this company and there tatics.. I managed to get on line to make the XXXX payment which over XXXX my account to stop the calls .. thia is unfair the way I was treated by all the non sense phone calls..

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 
I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 
However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. 
For the companies I was able to reach, none have any record of my existence within their systems. 
If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NJ

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. This is XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with explanation