vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently reviewed my credit report and found multiple inaccuracies across several accounts. For example, XXXX XXXX incorrectly reported late payments for various months, including showing on-time payments alongside remarks of repossession. XXXX  XXXX also shows inaccurate late payments for XXXX and XX/XX/year>, and XXXX XXXX reported a debt without proper validation. 

I have requested Equifax to investigate these inaccuracies under 15 USC 1681i ( a ) ( 1 ) ( A ), and for XXXX XXXX, I am requesting validation of the debt under the FDCPA.

These items should be removed if they can not be verified within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2024-10-23 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-23 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MI

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 2024-10-23 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I contacted the lender Exeter Finance in regards to auto sales fraud perpetrated on me by a local dealership called XXXX XXXX XXXX in XXXX Oklahoma. I made numerous calls in regards to the lender and made multiple requests to rectify the situation due to being sold a vehicle that had severe leaks they did not disclose to me prior to the purchase of the vehicle. When I notified them of the situation I asked if they could delay payment for a month. Then I asked and demanded to cancel the contract. They have offered me no relief in a situation beyond my control due to the actions of the dealership. So I forwarded them and the dealership a final demand letter with documentation that shows the dealership not only not disclose the defects that were major they then fabricated a report that claimed there were no leaks 7 days after purchase and a service appointment but that the vehicle sustained severe hail damage by a hailstorm on the XXXX of XXXX while it was on their lot again due to the leaks being discovered by a third party inspection after they reported no leaks were there on the service call on the XXXX of XXXX. 
The third party inspection was done three days later. They had the vehicle from XX/XX/year> to finally address the leaks that weren't disclosed during purchase. They kept the vehicle for 20 days before they returned it for repairs that only required several hours to do. But while in possession of the dealership while they procrastinated fixing the vehicle due to the undisclosed leaks and or perpetrated auto fraud. I had asked for assistance with my contract and was told it was reported I was retired. I told them I didn't report I was retired. I was denied my requests for any assistance on the loan be it modifying payments or even cancellation of the loan on the XXXX of XX/XX/year>. The dealership had parked the vehicle at a different unsecured location other than where I took it to them for service on the XXXX of XXXX. I removed my insurance while the vehicle was in their care at the XXXX service center XXXX blocks away. And that's where it sustained a full impact of a hailstorm on the XXXX of XX/XX/year>. Both the dealership and the finance company have refunded to have the vehicle assessed by their insurance companies and the dealership tried to get me to file a claim on the vehicle after I told them that I had removed my coverage while it was in their care. I have submitted documentation in a final demand letter fom both the dealership and the finance company and let them know I plan to file a claim. 
I may have left somethings out but I'm very exhausted from this and it's very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Th eChase company has raised our mortgage due to wrong assesment, the increase is so high that we might not be able to keep up with payments.This is going to dtart from XX/XX/XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I discovered that Jefferson Capital LLC reported a collection account on my credit report without prior notification. I believe this debt is inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt, asking for specific documentation to verify its legitimacy. However, I have not received any of the requested information. Despite this, the debt is still being reported to the credit bureaus, which could be considered false or misleading. Reporting a debt without proper validation implies that the debt collector knows it belongs to me, which is not the case. This also violates the Fair Credit Reporting Act ( FCRA ), as the debt has not been marked as disputed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: DC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: GA

Complaint narrative:
I have Requested from XXXX that this inaccurate information from Teachers, XXXX XXXX XXXX XXXX, be blocked and removed from my credit report. I believe all of these are result on my credit report due to not only one breach but XXXX different breaches including the national breach, XXXX XXXX and XXXX of my personal information. I received an email and a letter from XXXX XXXX about a breach, but they told me 6 months after they found out. I continuously have information that pops up on my credit report that is fraudulent and inaccurate. I have sent detailed information including a credit report along with all required documents to experience for this information to be removed. I filed an FTC report number # XXXX the inaccurate information on my report is fraudulent as a result of I'm sure more than just these three breaches.

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 2024-10-23 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: GA

Complaint narrative:
I have Requested from XXXX that this inaccurate information from Teachers, XXXX XXXX XXXX XXXX, be blocked and removed from my credit report. I believe all of these are result on my credit report due to not only one breach but 3 different breaches including the national breach, XXXX XXXX and Equifax of my personal information. I received an email and a letter from XXXX XXXX about a breach, but they told me 6 months after they found out. I continuously have information that pops up on my credit report that is fraudulent and inaccurate. I have sent detailed information including a credit report along with all required documents to experience for this information to be removed. I filed an FTC report number # XXXX the inaccurate information on my report is fraudulent as a result of I'm sure more than just these three breaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Unfortunately, i have no access to transaction dates regarding this disputes filed as my account has been locked with Apple Card and i can't access any of my previous transactions and related account information/correspondence. All that I know is at one point there was numerous account disputes made on this account for transactions i either did not make or where the service/product was not delivered. The disputes were filed and the balance was restored to {$0.00}. The account was then closed per my request. Sometime after the account was closed and without any communication back to me, these dispute/fraud credits were reversed and the corresponding amounts were applied to my balance. There was no notification sent to me about this and no supporting documentation regarding why this occurred or requesting my assistance in resolving any of these disputes/fraudulent transactions. I've since learned through pulling a credit report that there's balance of {$4800.00} on my account and after speaking with Apple Card 's fraud department today they said all they can do is reopen the disputes for another investigation. I asked if they could just send me the findings or past notifications regarding this matter and they stated they could not. I then asked why there would be a change in the findings from the initial investigation if they reopened these again. They stated there likely wouldn't be any change. At this point, i wasn't sure what more to say or do beyond asking them to escalate internally to address this matter. They stated they were the last point of contact but they would file a " complaint '' and someone will reach back out to me only if there's something they can do. Otherwise, no outbound communication would be made. I advised them of my awareness of the following findings and they said they couldn't comment or assist with this matter any further. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year>, I noticed a charge from a XXXX XXXX XXXX in my credit card. Transaction date XX/XX/year> with posted date XX/XX/year>? I called XXXX and they found no charges I did through them and I called XXXX XXXX XXXXXXXX and filed a dispute. The current card was shut down and a new card mail. On XX/XX/year>, I called back to get a tracking number and was told I withdrew claim? XXXX researched and found the fraud claim analysis closed claim and filed a new one under the card number at that time and a new card issued to me. I called back in XX/XX/year> XXXX I noticed the charge back on my card again {$540.00} and the bank fee of {$27.00} was removed on claim # XXXX. I called back again and told the claim denied but could not find out why. I called again on XX/XX/year>, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX I spoke to a supervisor in back department and she said the claim was denied bcuz it had been longer than XXXX days the transaction was done in XXXX and paid in XXXX She put in a rush research and have decision in XXXX days they would call. On XX/XX/year> and again on XX/XX/year> I called back and was told a letter would be mailed out with documents proving I did the charge and she could not file another claim nor was there anyone higher up that I could talk too but to wait on supporting documents! I have yet to received anything of suchto this date of XX/XX/year>.

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 monetary relief
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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