vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
XXXX  XXXX XXXX** - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - My PERSONAL INFORMATION is being compromised in the XXXX XXXX XXXX XXXX I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX - XXXX - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
ONEMAIN - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
As a consumer, I demand that these inaccurate accounts be deleted immediately. Failure to do so may result in legal action seeking monetary damages in a small claims court in my jurisdiction. I have already involved and sent this letter to the Consumer Financial Protection Bureau, the Attorney General XXXX XXXX, the Better Business Bureau, and the Federal Trade Commission. The erroneous result of the XXXX data breach directly violates 15 U.S. Code 1681 by reporting incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MS

Complaint narrative:
XXXX  XXXX XXXX** - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - My PERSONAL INFORMATION is being compromised in the XXXX XXXX XXXX XXXX I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX - XXXX - 15 USC 1692g Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. - Remove it from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
ONEMAIN - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. - I have no recollection of this account. Please investigate and remove from my credit report. 
As a consumer, I demand that these inaccurate accounts be deleted immediately. Failure to do so may result in legal action seeking monetary damages in a small claims court in my jurisdiction. I have already involved and sent this letter to the Consumer Financial Protection Bureau, the Attorney General XXXX XXXX, the Better Business Bureau, and the Federal Trade Commission. The erroneous result of the XXXX data breach directly violates 15 U.S. Code 1681 by reporting incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I reviewed my credit report and found several fraudulent accounts and inquiries that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
{$2900.00} was placed on Capital one card for an extension on a rental car after i paid all the other costs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-31 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: NC

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint against LVNV, regarding a violation of the fair debt collection practice act, 15 usc 1692g. I recently noticed that LVNV placed an account for collections on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. A debt collector is required by law to send the consumer a written notice within 5 days of the initial communication regarding THE DEBT. This notice must include : the amount of the debt, The name of the credit whom the debt Is owed. A statement informing the consumer of their right to dispute the debt within 30 days of receiving the notice. A statement that upon the consumers written request within the 30 day period the debt collector will provide verification of the debt or a copy of judgment to date. I have not received any such written communication from LVNV. Despite the account appearing on my credit. This omission is not only a potential violation of the fdcpa but also detrimental to my credit standing and overall financial well-being. 
Please have this tradeline removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I requested proof of the alleged debt after submitting documentation to the company showing that, per the landlords written statement, no money would be owed as long as I vacated the property by the agreed-upon date of XXXX I did. Despite this, the company continued to pursue the claim without providing valid evidence of the debt. 

The dates I have reached out regarding this debt : XX/XX/XXXX XX/XX/XXXX The company reported the alleged debt to the credit bureaus without furnishing valid supporting documentation and subsequently initiated legal proceedings by filing a claim in court. However, the matter has not yet proceeded to trial. I have submitted a response to the court, and a hearing has been scheduled for XX/XX/XXXX. As of now, no judgment has been entered against me.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
I RECEIVED A LETTER ON XX/XX/year> FROM ARVEST BANK IN XXXX, AR. XXXX INDICATED THAT I REQUESTED A BASIC OVERDRAFT COVERAGE ON AN ACCOUNT ON AN ACCOUNT THAT I DID NOT OPEN. 
I CALLED THE BANK AND THEY ASSURED ME THAT THAT ACCOUNT HAD BEEN CLOSED ON XX/XX/XXXX. TODAY XX/XX/XXXX I RECEIVED A DEBIT CARD FROM THAT SAME BANK THAT I DID NOT REQUEST. I CALLED THE BANK AGAIN AND THEY TOLD ME TO DESTROY THE CARD AND AGAIN ASSURED ME THAT THE ACCOUNT WAS CLOSED.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had credit card due date on XX/XX/year>. CITIBANK linked/connected non-registered payment bank of mine and withdrew money. It has been occurring many times in the past some months. I had already set up auto-payment and linked my payment bank " CITIZENS BANK ''. However, CITIBANK connected and linked " XXXX XXXX BANK '' to withdraw and cause many problem. I registered " CITIZENS BANK '' with CITIBANK. CITIZENS BANK does not fix the problem at all. Also, CITIBANK 's on line account does not update at all. 

Due to so many trouble using " CITIZENS BANK '', I had always LiveChat to double check and confirm the payment amount and payment bank before the due date. XXXX XXXX had not seen any other transaction problem during the chat time. However, for example, I have been complaining {$35.00} overdraft fees due to CITIBANK wrongful attempt to connect my other bank that I had not registered to pay in XXXX to XXXX. XXXX XXXX confirmed that. However, CITIBANK has kept responding only history of my transactions. XXXX XXXX cleared wrong payment and transactions that might have caused the problem for upcoming payment. To avoid such thing as I know, I did XXXX. It did not work at all. XXXX agent might have caused the problem.

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 2025-03-31 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: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX FLORIDA XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I request that my current address be updated accordingly. 

Contact Information : The phone number listed on my credit report, ( XXXX ) XXXX, ( XXXX ) XXXX, is no longer in use. I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX XXXX XXXX or via email at XXXX. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance {$22000.00} XXXX  XXXX  XXXX  missed payments XXXX  XXXX  XXXX {$140.00} XXXX XXXX XXXX prof of Michigan {$880.00} 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 monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I have sent in my FTC report which is notarized and the accounts listed below and listed on my affidavit does not belong to me with proof. The company has not done any investigations and sent me any proof of the accounts belongs to me.

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 2025-03-31 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: CA

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 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 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
Subject : Urgent : Payment Processing Issues & Credit Reporting Errors I am reaching out to formally express my frustration with GoodLeaps handling of both my payment processing and credit reporting issues. 

First, a recent ACH payment on my account failed despite no changes to my banking details. I have repeatedly been asked to provide a ZIP code for an ACH transactionsomething that should not be required. This unnecessary hurdle is causing unnecessary delays and inconvenience. 

Second, during my solar loan assumption process, GoodLeap wrongfully sent me to collections. After I filed a CFPB complaint, GoodLeap acknowledged its mistake, yet the late payment remains on my credit report. This is completely unacceptable, as your company admitted fault but has yet to correct the damage to my credit score.

At this point, I may have no choice but to pursue legal action against GoodLeap for its negligence. The fact that a financial services company is wrongfully reporting late payments and obstructing valid payments raises serious concerns about how it is being run. Frankly, this appears to warrant investigation by governing bodies to prevent further harm to consumers.

I expect an immediate resolution to both of these issues. Please confirm what steps will be taken to correct my payment processing problem and remove the inaccurate late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am writing to inquire about an account. 

I have no prior knowledge of this account and am seeking to understand its purpose, ownership, and current status. I need to verify some information related to this account. I am attempting to resolve a potential issue involving this account. 

Could you please provide me with some information regarding this account?

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 2025-03-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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