vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

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 2025-03-03 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am formally disputing Affirms illegal sale of my personal information to XXXX, a debt collector, without my consent. This action violates multiple federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) Prohibits the sharing of my credit information without permissible purpose. Affirm unlawfully transmitted my data to XXXX. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c ( b ) ) Restricts third-party communication regarding debts without consent. XXXX involvement is unauthorized. 
Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumer financial data. Affirm violated this by improperly disclosing my information. 
Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ( a ) ) Prohibits unfair, deceptive, or abusive acts. Selling my data without consent qualifies as an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch Sturm LLP
State: MN

Complaint narrative:
RAUSCH STURM LLP or Rausch Sturm LLP is using mail fraud, impersonation, identity theft, unlawful conversion, impersonation of an Officer, copyright infringement and a myriad of other XXXX XXXX XXXX XXXX XXXX, live with flesh and blood, eternal soul to coerce a contract and threaten to seize assets and property that are private. They have also misrepresented and slandered me to a bank that i have no affiliation with. 

RAUSCH STURM LLP or Rausch Sturm LLP is using a Usufruct Derivative that they have not been given any consent or authority to use by the owner, which is i, a woman, XXXX XXXX XXXX. They are claiming and/or impersonating two jurisdictions, which is a felony. This is a false claim in commerce, which is also a felony. 

I require RAUSCH STURM LLP and / or Rausch Sturm LLP, et alia, to cease and desist the use of my copyrighted and trademarked property in all derivations, styles and forms immediately and forevermore. My Fee Schedule will be strictly enforced if there is continued attempts to impersonate me, infringe on my copyrights ( publicly recorded in XXXX  ) or contact me in any manner whatsoever, unless it is a notice to withdraw their fraudulent claims against, i, a woman, in the name of a Usufruct Derivative that they have not been given any authority to use by i, a woman, the owner.

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 2025-03-03 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: Velocity Portfolio Group
State: CA

Complaint narrative:
CKS Primes XX/XX/XXXX response claims my {$15000.00} account, settled XX/XX/XXXX, is accurate as a paid collection. Its notI requested validation for XXXX ; they sent no proof, just vague repliesFCRA 623 ( b ) violation. Each bureau shows account updated XX/XX/XXXX yet CKS says it was paid and closed on XX/XX/XXXX. A paid debt shouldnt linger as a collection since XXXX, tanking my creditdenied cards in XXXX, forced into XXXX XXXX  loans in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was not aware that this card was opened using my name. My first notification came when I got a statement in the mail with a balance over {$6000.00}. Over time, interest charges and late fees accrued. The balance is now over {$8000.00}. JPMC has refused to believe me that the account is fraudulent, and they will not absolve me of the balance. I have frozen my credit with the three bureaus, and filed a report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am writing in response to your letter dated XX/XX/year>, which I received regarding the alleged debt referenced above. I have attached the generic letter that was sent with basic account details, which does not satisfy FDCPA validation requirement This is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and other applicable consumer protection laws.

Debt Validation Requirements Under Federal Law Per 15 U.S.C. 1692g ( b ), you must cease all collection activity until you provide me with the following : 1. Proof of Legal Right to Collect Provide a signed contract or agreement that explicitly grants your company the right to collect this debt.

2. Original Signed Agreement A copy of the original contract with my signature between me and Progressive Advanced Insurance Co proving my obligation to pay. A simple billing statement is not sufficient under federal law. 
3. Itemized Accounting Purchase agreement, a breakdown of how the alleged balance of {$260.00} was calculated, including principal, interest, late fees, and any other charges.

4. Proof of Debt Ownership A copy of the assignment agreement or bill of sale from Progressive Advanced Insurance Co to Caine & Weiner, showing legal ownership of the debt.

5. Verification of Licensing Proof that your company is licensed to collect debts in my state, including your bonding information ( if required by state law ). 

Notice of Consumer Rights Under Federal and State Law Until you provide proper validation, you must cease all collection efforts, including reporting this debt to any credit bureau ( 15 U.S.C. 1692e and 1692g ). Any attempt to collect or report unverifiable debt will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Furthermore, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication with me regarding this alleged debt, except to provide proper validation or a notice of termination of collection efforts. 

Failure to comply with federal and state consumer protection laws may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
I am attaching proof that this letter does not meet validation standards and request the consumer financial protection bureau to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
There was a verbal dispute with the agent that took my payment. I was never offered a way to pay back and get the car back. I was told it was tough luck. I asked for an extension as I was unable to pay at the time, and was not provided any assistance. A week later they took the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon checking my consumer report for Transunion, I noticed that a late payment for XX/XX/year> was still updated as late and unchanged. The investigation was biased and it was completed before 30 days. I am entited to a fair investigation and that has not happened. The late payment for XXXX XXXX  needs to be removed for inaccurate reporting. Transunion has violated FRCA and my right to privacy in 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 non-monetary relief
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: MI

Complaint narrative:
This account has been closed since XXXX. It needs to be removed as it is outdated and inaccurate saying Im missing payments when it is a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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 XXXX ( MO ) XXXX XXXX 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
Consumer complaint received 2025-03-03 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: UT

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opened a checking and savings account with Truist on XX/XX/XXXX using the promotion : XXXXXXXX Truist One Checking {$400.00} Online Only Offer Promo Code : XXXX Met the requirements ( {$500.00} in direct deposits, 15 debit card transactions ) within the first 90 days. Qualification still shows Pending, 6 months after opening the account. Contacted Truist phone support twice - once in XXXX and now again today XX/XX/XXXX, where a representative agreed that the qualifications were met but she could not do anything to push it forward, that " there is no team verifying eligibillity for Truist Offers, it's all automated '' and to wait another 4 weeks.

Truist is not in good faith honoring the conditions of their promotion.

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 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I called MTBank to cancel my old home owners insurance, XXXX XXXX XXXXXXXX, after they were raising my premium from {$2800.00} to {$3800.00}. I then supplied a new policy and requested payment of the premium for XXXXXXXX XXXX of {$2400.00}. They acknowledged the new policy and the cancellation of my old policy. A few days later on XX/XX/year> I see that the premium is paid for my new insurance at XXXX. The next day on XX/XX/year> I also see that {$3800.00} was sent to the old insurance without my approval that which I had already cancelled. I then call my old insurance and they claim to have no active policy for me and let me know that they did not request payment. The old insurance suggests that I file a stop payent with XXXXhem as their refund process takes anywhere from 45 to 90 days which is a lot of time that I can not go without {$3800.00}. I then call my MTBank for them to file a stop payment and they let me know that they can not do that since the check was a for more than just my account and there is nothing they can do. Then I see that MTBank also takes an escrow advance from my account on {$2000.00} to cover some of the negative escrow balance. At this point I am extremely frustrated and call MTBank to ask for a credit on my account and to have them resolve the issue with XXXX XXXX XXXX as I specifically cancelled the policy in advanced and did not authorize this payment. That means that if I did not authorize it, they must have authorized it themselves in which case they should resolve. I have been calling them on a daily and nothing seems to work, every claim gets rejected. This is extremely shady and negligent. I have now overpaid almost {$4000.00} on my escrow due to a mistake on MTBanks end and have no way to recoup that money for 45-90 days at the best case. I am imploring MTBank to give me a credit and handle the situation themselves.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates

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 2025-03-03 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX  Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the item be updated to 'Paid as Agreed '. 

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