vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: MO

Complaint narrative:
I am filing this report due to fraudulent accounts on my fico score. I was also impactred by the data breach by equifax and I know there is a lot of fraudulent activities happening on my credit profile. I need these things investigated. I have been getting illegal calls from creditors and I researched on my own that theses things are illegal and under the fcra I am asking to have all these items removed from all XXXX credit bureaus. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items has collections, bad debt and hard inquiries on my credit score.

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 2025-02-12 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: TN

Complaint narrative:
To Whom It May Concern, This letter serves as my formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 for the immediate removal of the XXXX XXXX XXXX accounts currently being fraudulently and inaccurately reported to XXXX, TransUnion, and XXXX. 

LEGAL DEMAND FOR PROOF OF VALIDITY Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a data furnisher such as XXXX XXXX must only report accurate information. You have failed to provide verifiable written proof that these accounts belong to me, which constitutes a direct violation of federal law. If you can not produce original signed contracts, account statements, and all supporting documentation proving these accounts are valid within 30 days of this notice, you are legally required to delete them under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Furthermore, under 15 U.S.C. 1692g ( b ), failure to provide debt validation bars you from attempting to collect or report this debt. Since no valid proof has been sent to me, continued reporting of these accounts is unlawful and will result in immediate legal action. 

LEGAL CONSEQUENCES OF NON-COMPLIANCE If XXXX XXXX  does not comply by removing these accounts within 30 days, I will take the following actions : XXXX a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office against XXXX XXXX for violating the FCRA and FDCPA. 
XXXX XXXX XXXX for willful non-compliance under 15 U.S.C. 1681n, seeking damages of up to {$1000.00} per violation, plus attorney fees and court costs. 
XXXX litigation against the credit bureaus if they fail to delete this erroneous information per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX expose these fraudulent and deceptive practices to consumer advocacy groups, online platforms, and social media. 

FINAL WARNING This is my final notice before I escalate this matter. You are legally obligated to remove these accounts immediately from XXXX, TransUnion, and XXXX. Failure to do so will result in legal consequences that will cost your company far more than simply complying with the law. 

I expect a written response confirming removal within 15 days of receipt of this letter. If these accounts are not permanently deleted within 30 days, I will pursue legal action without further notice.

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 2025-02-12 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: TN

Complaint narrative:
To Whom It May Concern, This letter serves as my formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 for the immediate removal of the XXXX XXXX XXXX accounts currently being fraudulently and inaccurately reported to XXXX, XXXX, and Equifax. 

LEGAL DEMAND FOR PROOF OF VALIDITY Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a data furnisher such as XXXX XXXX must only report accurate information. You have failed to provide verifiable written proof that these accounts belong to me, which constitutes a direct violation of federal law. If you can not produce original signed contracts, account statements, and all supporting documentation proving these accounts are valid within 30 days of this notice, you are legally required to delete them under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Furthermore, under 15 U.S.C. 1692g ( b ), failure to provide debt validation bars you from attempting to collect or report this debt. Since no valid proof has been sent to me, continued reporting of these accounts is unlawful and will result in immediate legal action. 

LEGAL CONSEQUENCES OF NON-COMPLIANCE If XXXX XXXX  does not comply by removing these accounts within 30 days, I will take the following actions : XXXX a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office against XXXX XXXX  for violating the FCRA and FDCPA. 
XXXX XXXX XXXX for willful non-compliance under 15 U.S.C. 1681n, seeking damages of up to {$1000.00} per violation, plus attorney fees and court costs. 
XXXX litigation against the credit bureaus if they fail to delete this erroneous information per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX expose these fraudulent and deceptive practices to consumer advocacy groups, online platforms, and social media. 

FINAL WARNING This is my final notice before I escalate this matter. You are legally obligated to remove these accounts immediately from XXXX, XXXX, and Equifax. Failure to do so will result in legal consequences that will cost your company far more than simply complying with the law. 

I expect a written response confirming removal within 15 days of receipt of this letter. If these accounts are not permanently deleted within 30 days, I will pursue legal action without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On initiating a dispute in reference to XXXX corporations for an account that should have been removed from my credit report, or marked as closed and satisfied. Equifax, despite the dispute being approved and the investigation forms, they lowered my score by XXXX points. This has been listed on my report since XXXX, I need this account removed immediately this was an unlawful repossession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
The due date on the note is the XXXX, yet payments made each month are inconsistent in how they are applied, even if paid before the XXXX, some months XXXX amount applied to principle, even if I make a larger payment to apply towards additional principal. The answer I get is if there is more interest due than principal, then the payment is applied towards interest first? When I requested an amortization, I was advised they do not have them. They can only mail a payment history. If you pay on different days of the month even before the due date, they do not apply the same amount towards principal, therefore you can not pay down your loan. This is not a FIXED installment loan as I was led to believe. It's more like an interest only loan with some inconsistent amounts applied to principal. Very bad business. there should always be an allocated percentage applied towards principal.

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 2025-02-13 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX has reported my account as XXXX days delinquent for XX/XX/year>, causing a XXXX drop in my credit score. This is both unfair and unjustified, as their persistent technical outages have made it impossible to access accounts and submit payments. This issue is widespread and well-documented, yet XXXX has failed to address it properly. 

Before the XXXX cutoff, I attempted to log into my XXXX account XXXX times to make my payment on time. However, I consistently encountered login failures, lagging issues, and system errors. As I am unable to make payments via phone, I am solely reliant on XXXX online platform, which has proven to be unreliable. 

XXXX must be more transparent about its ongoing technical difficulties and their impact on payment deadlines. It is unacceptable for borrowers to suffer credit damage due to system failures beyond their control. I wish that this delinquency be removed from my credit report and that XXXX provides clearer communication and solutions regarding these recurring technical issues moving forward.

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 2025-02-12 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: CL Holdings LLC
State: SC

Complaint narrative:
Negative comments and constant negative credit reports on my credit report as well as inquiries without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Kriya Capital, LLC
State: SC

Complaint narrative:
Negative comments and constant negative credit reports on my credit report as well as inquiries without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX of the benefits offered by the XXXX Amex XXXX XXXX is a {$20.00} statement credit for making a reservation via XXXX then dining/charging the meal. I booked a reservation XX/XX/XXXX, dined XX/XX/XXXX and did not receive the statement credit, so I started a Chat with an Amex rep from their website to ask why it was not credited. They said you have to individually go through each of the benefits to manually enroll into each one to receive the benefits. This feels deceptive to find out that I have to go back and read the fine print that says you must manually go through each benefit to receive it vs Amex providing the statement credit when the event happens automatically - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Once I told them this felt deceptive and that I felt the need to file a complaint with the CFPB they said they would connect me with a supervisor, but that the wait time would be XXXX minutes which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
15USC 1692 CC The debt collector ( Genesis Finance # XXXX ) was notified according to 15USC 1692 CC but they are still communicating information to my consumer report Genesis Finance XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Re : Account # 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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CADENCE BANK
State: PA

Complaint narrative:
I overdrafted last summer after I was recovering from XXXX XXXX XXXX. 
It slipped and I forgot to bring the account even. I am guessing this is what the problem is. Couldnt login to move money to bring it to positive and begin closing process. 
Called the XXXX XXXX number to unlock my account. Said there was an issue and call the local branch. XXXX XXXX transferred me. The local branch had no answers and put me on hold. Call ended. I called back. Same problem. 
I live out of state from the local branch, so I signed a paper so she could fix it in my name. They ignored her. 
We were with State Bank and Trust beforehand when Cadence bought them. Theyve never been good and I have been mainly banking with XXXX XXXX, which is why this account got overlooked. I never used it for almost 10 years but my mother still banked there and it was easier for me to keep open for transfers. 
I just want to close the account and pay whatever it is I owe them so we are clean and honest and I can open a new account out of state. Which I cant because Cadence has filed something against me but I just checked my credit score and I see nothing there. XXXX XXXX XXXX, where I am trying to open an account, says Cadence has an issue with me so thats what started this whole thing. I just want to close my Cadence account and make it right so I can move on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-12 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

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 2025-02-12 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:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I inquired about my account data, I never received a response back about the data breach. I know my data was compromised.

Company response to consumer: Closed with explanation