vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I received 5 {$100.00} Amex gift cards from a supplier as a thank you. I tried using one of the {$100.00} cards at several different places online and all of my efforts came back as declined or " couldn't complete transaction '' I called and spoke with customer service and they said the card " should '' work since it was active with a balance and to maybe try to use it inside a physical store. I tried to use it at a spa and they couldn't get it to work and then I tried to use at a XXXX store and it also couldn't be used. I tried using it several more time at a gas station and a XXXX XXXX. All declined or wouldn't work. How embarrassing! I knew there were funds on this card. I finally googled to see if anyone else had been having this problem with these cards and found a bunch of complaints about them. After following some of the advise on the internet, I was able to add a card to my XXXXXXXX XXXX even though I didn't want to do that. It was more of an experiment to see if that advise from the internet worked. For many people, it hadn't. 
That's insane to me! Why should I have to be restricted to use PRE-PAID cards at certain places or jump through hoops and cross my fingers that one of these places that I try and use this card works. AMEX customer service said they should be accepted and work all places that accept their card. It's quite ridiculous to me that there should be any struggle to use them. They have been nothing but struggle!! If the organization that sent them to me, and paid for them, knew what a pain these cards have been, I am sure they would be mortified that they wasted their money on them and sent them as a gift. THESE CARDS SHOULDN'T EVEN BE ALLOWED TO BE SOLD IN STORES if this is what happens. They are basically fraudulent because they rarely can be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly ask for your assistance in reviewing the accounts from companies inaccurately reporting late payments. After losing my job, I requested that the late payments be forgiven, which they agreed to, yet they are still being reported. Despite my efforts to follow up, I have received no updates, making this my last option.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting XXXX XXXX Account Numbers XXXX as a charge-off in the amount of {$5800.00} My Rights. 15 U.S.C1681 section 602 A states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information is inaccurate. The FCRA does not allow income to be reported on a consumer 's credit report because it violates privacy and income is not considered relevant for determining credit risk.

Although the original creditor has already received a tax break for writing the account off as profit loss and reported said accounts to the IRS as my income ( via the 1099-C that I never received ), the account continues to be reported as a charge-off on my credit file. The FCRA does not allow income to be reported on a consumer 's credit report The inaccurate representation of income as a charge-off on my credit report grounds me to seek statutory damages and/or the involvement of the IRS. Due to said charge-offs on my credit report, recent loan and charge card applications were denied. Additionally, the inaccurate representation of income as charge-offs on my credit file prohibits me from purchasing a home, causing emotional distress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
The company promised to help remove debt. They continued to charge me for services that werent rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 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 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 section 605B of the Fair Credit Reporting Act.

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 2025-01-02 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I have several charges on my destiny Mastercard that I did not authorize. I, in good faith, allowed a close friend to use the card to get gas and she ended up taking said card and continually using it to the point it maxed out my credit limit. Charges start on XX/XX/year>XXXX  and go through XX/XX/year>. That's over {$250.00} in charges i didn't authorize. As of right now this person has ceased contact with me after numerous attempts to contact her and reconcile the situation. She is refusing to even acknowledge the severity of the situation. I now am having to take this action which may include the law at this time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2025-01-02 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: Miller Investment Group, Inc DBA AutoNow
State: KS

Complaint narrative:
In accordance with the fair credit reporting AUTONOW ACCEPTANCE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Phone # : XXXX account XXXX, Has violated my rights. 15USC 1681 Section602 states I have the right to privacy.15USC 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666b : a creditor may not treat a payment on a loan account under and a open end consumer credit plan as a late for any purpose. please fix on my XXXX credit report asap thankyou

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Subject : Formal Dispute Regarding Midland Credit and XXXX Accounts I am writing to formally dispute inaccuracies regarding two accounts listed on my credit reports. Specifically : Midland Credit - Account Number : XXXX XXXX - Account Number : XXXX These accounts are reporting information that is negatively impacting my credit profile. Below are the specific issues : Incorrect Amounts : Both Midland Credit and XXXX are attempting to collect debts that do not match the actual amounts owed. 

Re-Aging of Accounts : These accounts appear to have been re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Inconsistent Reporting : The three credit bureaus are reporting different activity dates and varying numbers of late payments for these accounts. 

Status Misrepresentation : Both accounts are improperly reported as open collections/charge-offs, which is not accurate. 

I have already reached out to all three credit bureaus and both Midland Credit and XXXX via phone and mail to address these discrepancies. Unfortunately, the inaccuracies persist, and I am requesting that these accounts be thoroughly investigated and deleted from my credit reports due to their non-compliance with the FCRA. 

Enclosed, you will find : Copies of my credit reports from XXXX, XXXX, and XXXX highlighting the discrepancies. 

I kindly ask that the CFPB intervene to ensure these issues are resolved promptly and in compliance with federal regulations. If further information or documentation is required, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your swift resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I purchased a new car in XX/XX/XXXX and the problem started with the dealer ship regarding the bank that was financing the car. After XXXX weeks of already having the new vehicle the dealership found a bank to finance our new vehicle and we were supposed to start paying at the beguiling of XX/XX/XXXX. 
Well the contract came with another date and the payments were supposed to start in XX/XX/XXXX, less than a month period and XXXX dollars was put upfront for the purchase .in the beginning of XX/XX/XXXX my partner had to be checked in in a mental facility loosing his income and my income wasnt enough to all the needs. 
Chrysler capital was contacted first to discuss the payment dates as well as to be aware of the financial difficulties I was encountering. They are very difficult to negotiate. On the XXXX of XX/XX/XXXX I was finally able to speak with a representative that told me the late payments would be deferred to the end of the contract and I gave my word I was going to start paying in XX/XX/XXXX ( I even programmed the payment ) but on the XXXX XX/XX/XXXX they took the car and as much as I call they refused to make arrangements with me and say they never said the late payments would be deferred to the end of the Contract. 
This is an absolute disaster. 
So I was communicating with the bank I was promised a negotiation and they take the car and now I need the full amount to get my car back. 
Without a car is impossible for me and my partner to live. Chrysler capital along with XXXX XXXX XXXX XXXX in XXXX NC are a night mare. 
I offered the bank to send my documents and the hospital records to proof was a difficult time and I promised a new payment plan that wasnt true. 
This is not unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debt collector is stating I owe them. I have no knowledge of this company nor did I ever sign a written contract with them. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
The credit card issued by HSBC is in my name ; however, it is under my ex-wifes account. I have asked my ex-wife to close the account but she does not appear to be dealing with this. The account has a XXXX balance and has had no activity for 4+ years. 

I have written to HSBC multiple times asking them to close the account with absolutely no response. 

I simply want the account closed. I don't even know the full account number- it ends XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
" 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 XXXX XXXX XXXX XXXX XXXX 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 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