vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Identity Verification and Address Correction Dear Sir/Madam, I am writing to inform you that I am currently unable to access my credit report and have been advised to submit a copy of my drivers license and Social Security card to verify my identity.

Additionally, I have noticed that there are two incorrect addresses being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX These addresses & zip codes should not be associated with my credit report. The only correct and valid address that should be reporting is : XXXX XXXX XXXX XXXX XXXX, NC XXXX This address is reflected on the copy of my drivers license enclosed with this letter. I kindly request that you update my records to reflect only my current address and remove the incorrect addresses listed above.

Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to resolving it at your earliest convenience.

Thank you for your cooperation.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Identity Verification and Address Correction Dear Sir/Madam, I am writing to inform you that I am currently unable to access my credit report and have been advised to submit a copy of my drivers license and Social Security card to verify my identity.

Additionally, I have noticed that there are two incorrect addresses being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX These addresses & zip codes should not be associated with my credit report. The only correct and valid address that should be reporting is : XXXX XXXX XXXX XXXX XXXX, NC XXXX This address is reflected on the copy of my drivers license enclosed with this letter. I kindly request that you update my records to reflect only my current address and remove the incorrect addresses listed above.

Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to resolving it at your earliest convenience.

Thank you for your cooperation.

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 non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX and Kimball , Tirey & St. John LLP for Unfair Debt Collection and XXXX XXXX Dear FTC Consumer Response Center, I am filing a formal complaint against XXXX XXXX XXXX, my former landlord, and Kimball , Tirey & St. John LLP, their debt collection law firm, for attempting to collect an excessive and fraudulent debt for alleged apartment damages that I did not cause. This collection has been placed on my credit report unfairly, and I am seeking assistance in disputing these charges and having them removed. 

Details of the Dispute : 1. Failure to Provide Itemized Deductions in a Timely Manner I vacated the apartment located at XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX on XX/XX/year> fulfilling my lease agreement. 

Under California Civil Code 1950.5 ( g ) ( 1 ), a landlord must provide an itemized statement of deductions from the security deposit within 21 days of move-out. 

XXXX XXXXXXXX XXXX failed to provide this statement within the legal timeframe. Instead, 10 months later, I received a letter from Kimball , Tirey & St. John LLP demanding payment for alleged damages. 



2. Refusal to Conduct a Move-Out Walkthrough Before moving out, I requested a walkthrough to document the condition of the apartment, as allowed by California Civil Code 1950.5 ( f ) ( XXXX ). 

XXXX XXXXXXXX XXXX refused to conduct a walkthrough, which prevented me from addressing any concerns or disputing their claims at the time of move-out. 



3. Unlawful Collection Practices and Credit Reporting Issues Despite my security deposit being available for any valid deductions, XXXX XXXX XXXX never applied it to any supposed damages and instead forwarded the debt to Kimball , Tirey & St. John LLP. 

Kimball , Tirey & St. John LLP then reported this alleged debt to credit bureaus, negatively impacting my credit score.

I formally disputed this debt with the collection agency and credit bureaus under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), but my dispute has not been properly addressed. 




What I Am Requesting from the FTC : 1. Investigate XXXX XXXXXXXX XXXX  and Kimball , Tirey & St. John LLP for violations of California landlord-tenant laws, unfair debt collection practices, and improper credit reporting. 


2. Require the removal of this fraudulent debt from my credit report, as it was not properly substantiated and was reported unlawfully.

3. Take action against XXXX XXXX XXXX and Kimball , Tirey & St. John LLP to prevent them from engaging in similar practices against other tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Il XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/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 explanation
Consumer complaint received 2025-03-11 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: CT

Complaint narrative:
XXXX XXXX is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by DOGE because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

XXXX is also a semi government agency that needs to be chopped or massively overhauled by DOGE which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been receiving 4-5 calls per day, which far exceeds the legal limit outlined in the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I have been receiving emails claiming I owe more than what was originally agreed upon. I am actively paying my debt, and yet, the excessive calls and increasing demands for more money have become overwhelming. This constant pressure is not only frustrating but also emotionally distressing. Your actions are making me feel embarrassed and devalued, which no one should experience over a financial obligation they are actively addressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Thanks to CFPB with assisting me with this company, Synchrony Bank did partially comply to my request, but I still need answers for the remaining balance of {$990.00} USD. I need to have a breakdown for the {$990.00}, so I will know what items I bought. I received an email from XXXX XXXX stating. '' I should contact the regular financial department for any other questions. My objective in this matter is to pay the balance off and close the account completely without any over lapse in interest. Again, I'm partially satisfied with the credits, but the balance is still in question. Therefore, I need to speak with a representative and an invoice emailed to me with a break of what I'm actually paying for.

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 2025-03-11 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX XXXX XXXX XXXXcount # : XXXX - Balance : {$1200.00}

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 2025-03-11 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:
Re : Formal Dispute of Inaccurate Information Reported on Mortgage Account by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX FCRA, FDCPA, UCC, and Related Case Law I am formally disputing the accuracy, completeness, and validity of derogatory payment history information reported by your agencies on my credit reports concerning my mortgage account with XXXX XXXX XXXX XXXX, Account opened XX/XX/XXXX, FHA Mortgage Loan. 
Specifics of the Inaccuracy : Each credit reporting agency ( CRA ) has erroneously reported significant late payments and delinquency statuses on my mortgage account. The inconsistencies include, but are not limited to : Equifax : Incorrectly reported late payments at 60, 120, and 180 days delinquency statuses without accurate substantiation. 
Experian : Incorrectly reports late payments, notably " 180 days past due '' statuses for XXXX and XXXX of XXXX. 
TransUnion : Reports worst payment status as XXXX days past due, inaccurately stating multiple late payments and thus unfairly damaging my credit rating. 
These entries are incorrect, misleading, and damaging, causing undue hardship including but not limited to loss of credit opportunities, elevated interest rates, emotional distress, and diminished quality of life. 
Violations of Federal Law : These inaccuracies constitute violations of several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : o 609 CRAs duty to disclose all information used in reporting.

o 611 Obligation of CRA to conduct reasonable investigations upon dispute and delete inaccurate information if verification fails. 
Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX, requires debt validation and verification upon dispute, which has not been adequately provided. 
Uniform Commercial Code ( UCC ) : specifically Article 9-210, which requires accurate recordkeeping and verification of debts and account statuses. 
Relevant Federal Case Law : The following precedent cases clearly establish consumers ' rights and potential remedies under similar circumstances : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Awarded substantial damages due to failure to maintain accuracy. 
XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Affirmed significant consumer damages due to FCRA violations. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) Awarded consumer maximum statutory damages plus attorney fees for failure to correct inaccuracies. 
The aforementioned federal cases clearly set precedent in affirming consumers ' rights to accurate credit reporting and entitlement to substantial statutory compensation.

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 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Regional Management Corporation
State: NC

Complaint narrative:
I had to report Regional Finance to my state attorney general 's office here in north carolina because they kept calling me after I asked them not to. I also asked that they close out the account and zero out the debt because of this but they have not done so. They have violated my rights as a consumer by violating a cease and desist order that was in place and I plan to sue them if the debt does not get canceled within the next 30 days. I have also reported them to the federal trade commission because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am filing a formal complaint against Transunion for failing to remove unauthorized information from my credit report, despite my repeated disputes. I spoke with XXXX XXXX at Transunion on XX/XX/year> at XXXX, regarding file # XXXX. I formally disputed the reporting of unauthorized financial information, citing violations of Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach Bliley Act. However, Transunion has refused to comply with my request for immediate removal. Laws violated by Transunion ; 1.Violation of the Gramm-Leach-Bliley Act ( GBLA ) -15 USC Code 6802 *GBLA prohibits financial institutions from sharing my non-public personal financial information without my express consent. Transunion is unlawfully reporting financial data without my authorization. 2. Violation of the Fair Credit reporting act ( FCRA ) - 15 USC Code 1681s-2 * Transunion is required to ensure the accuracy and verifiability of all reported data. The disputed information remains on my report without proper verification or my consent, making it unlawful under FCRA.

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 2025-03-11 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX RE : JP Morgan Chase Bank N.A. Account # XXXX Chase bank has closed my account without any explanation to me on XX/XX/XXXX and held my deposit {$15000.00} illegally in the name of fund verification for more than two months ( since XX/XX/XXXX ). Chase bank has held all the money I deposited in this account. When I called the bank to release the funds to me, they refused and mentioned they are verifying the funds but not giving me any reason and timeline to finish the verification. 
I have attached all the deposited checks with canceled copy of them. All these checks are cleared from issuers/Makers bank account already. All banks mentioned that all these funds were released to Chase Bank. Now Chase bank is holding all the funds illegally in the name of verification of Fund for since XXXX 
I opened this account on XX/XX/XXXX. I made the following deposits into the Chase bank account. 
first deposit on XX/XX/XXXX - XXXX # XXXX Amount {$3700.00} ( attached cancel ck copy ) Second deposit on XXXX XXXX # XXXX Amount {$3700.00} ( attached cancel ck copy ) Third Deposit on XX/XX/XXXX - XXXX # XXXX Amount {$7500.00} ( attached cancel XXXX XXXX ) I have attached all the proof from issuer/makers bank that these checks were paid to the Chase bank so there is no issue of fund verification or fraud verification. 
I am requesting that the chase bank release my money immediately to my account or if Chase bank is unable to verify the fund availability, then release this fund back to issuers/makers Bank. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to sectiXXXX 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: RI

Complaint narrative:
I noticed on my credit report multiple inquiries for car loans : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached my FTC Report. Thank you for your time in helping me solve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation