vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-20 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
I applied for {$3000.00} loan from regional finance company in XXXX CA after seeing my chances of approval is outstanding. they called me and asked for different proofs like identity, employment and address living proof. I provided them with everything including my employer paystubs, bank statements, my ID and social security as well as I answered all their questions. One of their accountant or bankers said that I am faking my paystubs, and they refused to give me my approved loan based on what they mentioned in the beginning. Also, they placed a hard inquiry on my credit report. I told them to contact my employer to verify my employment info, they refused. I have a legitimate paystub, I even provided them with my bank statements, company check that shows the company name and how much I am getting paid monthly and additional paystubs. they declined my offer for no legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I was extremely frustrated to find an unauthorized inquiry on my credit report today with no explanation. I routinely check my report, and this time, there were discrepancies that shouldnt be there. I even refreshed my browser, thinking it was a glitch, but the issue remained. This situation is unacceptable, and I need my submitted documents to be properly reviewed to ensure I never have to deal with this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
XX/XX/year> Mailed in disputes certified to Experian and XXXX pertaining to 3 delinquent XXXX XXXX  accounts and 3 collection accounts. I did a follow up call on XX/XX/year> to the bureaus to see what dates my disputes may have been opened, to my surprise the bureaus claimed they had not received the certified package I explained that I had tracking and the letters had been delivered I was then placed on hold and now they were able to find them but had not opened any disputes as of yet so I was forced to open them at that time over the phone. I ask that all 3 XXXX XXXX  accounts be updated and verified for completeness and accuracy, updated balance, accurate payment schedule, original date of first delinquency, creditor contact information, borrower information none of these request have been met. Next the 3 Collection accounts, 2 of them being from XXXX XXXX XXXX and 1 from XXXX XXXX XXXX, all 3 of these accounts show they were open during XXXX, 2 of them are showing opening dates of when I was in the hospital with XXXX so there is a good possibility they are not mine, I requested original opening dates, original delinquency dates, assignment of debt, chain of title, forward flow agreement and copy of original creditor contract

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 2025-02-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX [ XXXX ] Date : XX/XX/XXXX Urgent Request for Immediate Removal of Charge-Offs from Credit Report Dear Credit Bureau Representative XXXX This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) concerning the inaccurate and unverifiable charge-offs on my credit report. These charge-offs are causing significant financial harm, and I am requesting their immediate removal within 4 business days due to their negative impact on my creditworthiness.

Per 15 U.S.C. 1681i ( a ) ( 5 ), if you can not verify these charge-offs with original documentation, they must be deleted immediately. 
Accounts in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX, XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX, XXXX Amount : {$420.00} XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX  Amount : {$150.00} XXXX  XXXX, XXXX Account Number : XXXX Date XXXX Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX, XXXX Amount : {$9600.00} XXXX XXXX XXXX XXXX ( CLOSED ) Account XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$14000.00} Legal Basis for XXXX XXXX XXXX Investigation FCRA 1681i ( a ) ( 5 ) Immediate Deletion of Unverifiable Information If these charge-offs can not be verified with original signed contracts, full account history, and lawful collection authority, the law requires their immediate deletion.

FCRA 1681s-2 ( b ) Furnishers Must Provide Proof or Request Deletion Creditors must provide factual evidence supporting these charge-offs. If they fail to do so within 4 business days, you are legally required to delete them.

FCRA 1681e ( b ) Duty to Maintain Maximum Accuracy A charge-off is not proof of a valid outstanding balance. Any misleading, outdated, or incorrect information must be corrected immediately.

Demand for Immediate Action I request that these charge-offs be removed within 4 business days, or you must provide : The original signed credit agreement.

A detailed payment history proving the debts accuracy.

Documentation proving the charge-off was legally reported under Generally Accepted Accounting Principles ( GAAP ).

Failure to comply within 4 business days will result in : A formal complaint filed with the CFPB, FTC, and my states Attorney General.

A potential legal claim for damages under FCRA violations.

Even if you do not remove these charge-offs within 4 days, per FCRA 1681i ( a ) ( 1 ), you are still legally required to complete your investigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Dear CFPB, Re : Dispute of Negligence and Noncompliance Under FCRA Section 1681o I am writing to formally dispute and address concerns regarding XXXX XXXX XXXX  XXXX XXXX and XXXX as reported by equafax and transunion that has negatively impacted my credit file. I believe this matter is a direct violation of Section 1681o of the Fair Credit Reporting Act ( FCRA ), which outlines civil liability for negligence in failing to comply with FCRA requirements.

Issue Summary : I discovered that Equifax and TransUnion failure to investigate a dispute. I immediately took the necessary steps to dispute this issue, as required by the FCRA, but the issue was not resolved in a timely or proper manner, leading to further negative consequences.

As per FCRA Section 1681o, a consumer reporting agency, as well as the entities providing information to the credit reporting agencies, have an obligation to maintain and report accurate and complete information. Further, any failure to comply with this responsibility due to negligence can result in civil liability.

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 2025-02-19 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: NY

Complaint narrative:
Dear CFPB, Re : Dispute of Negligence and Noncompliance Under FCRA Section 1681o I am writing to formally dispute and address concerns regarding XXXX XXXX XXXX  XXXX XXXX and XXXX as reported by equafax and transunion that has negatively impacted my credit file. I believe this matter is a direct violation of Section 1681o of the Fair Credit Reporting Act ( FCRA ), which outlines civil liability for negligence in failing to comply with FCRA requirements.

Issue Summary : I discovered that Equifax and TransUnion failure to investigate a dispute. I immediately took the necessary steps to dispute this issue, as required by the FCRA, but the issue was not resolved in a timely or proper manner, leading to further negative consequences.

As per FCRA Section 1681o, a consumer reporting agency, as well as the entities providing information to the credit reporting agencies, have an obligation to maintain and report accurate and complete information. Further, any failure to comply with this responsibility due to negligence can result in civil liability.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  Subject : Request for XXXX, Chain of Assignment, and Insurance Claim Information To Whom It May Concern, I am writing to formally request documentation regarding a charged-off account that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and relevant state consumer protection laws, I demand full disclosure and resolution of this matter. Additionally, I request the following : XXXX Cancellation of Debt Form : If this debt has been canceled or written off, you are required under IRS regulations to furnish me with a XXXX form. Failure to provide this document may be a violation of federal law. Please send me a copy of the XXXX immediately. 

Chain of Assignment : I demand a complete chain of title for this alleged debt, including but not limited to all assignments, transfers, or sales from the original creditor to the present entity attempting to collect. 

Insurance Claim Documentation : If an insurance claim was filed concerning this debt, I require a copy of the claim, payment details, and any related documentation to verify whether this debt has been satisfied by an insurance provider. 

Financial Hardship Consideration : I am experiencing significant financial hardship, which further challenges the legitimacy and collectability of this alleged debt. Under consumer protection laws, I request a review of this matter in light of my financial condition. 

Identity Theft Claim : I suspect this account may be a result of identity theft. Under the FCRA and Identity Theft Laws, I request all records associated with this account, including applications, account statements, and transaction records. If this debt is fraudulent, it must be removed from my credit reports immediately. 

Data Breach & Consumer Rights Violation : I have been made aware of a data breach involving Flagship Credit and the credit bureaus. Given this security compromise, I question the validity of any debt associated with my identity. Please provide documentation proving that this alleged debt is legitimately mine and was not affected by the breach. 

Failure to provide the requested documents within 30 days may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and my state attorney generals office. Additionally, I reserve my rights under the law to seek legal recourse should this matter not be resolved satisfactorily. 

Please send all requested documents to the address listed above. I expect a response in writing within the legally mandated timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I was contacted by Phone call FROM a DEBT Collection Company who IMPLIED i had a bill FOR XXXX IN collections AND HOW WAS I GOING TO pay the bill for a bill I was TOLD I REFUSED TO PAY. They wanted a FULL PAYMENT FOR THE BILL but refused to give me the company for which i was being charged for. I had to ask as to what the bill was for and was, after several attempts to get the name of the company the bill was for XXXX XXXX. I had had an ACCOUNT FROM XXXX  that I had CLOSED IN XXXX. and wanted nothing more. 
I called XXXX and asked for the account I was being charged COLLECTIONS FOR It took over 1 hour for the woman to find out what account i was being charged for. I went through 3 different people and then came around to the original person was informed it was an INTERNET I went to XXXX XXXX and call them to advise them i had FRAUD ON MY CFEDIT REPORT AND TO HAVE THE FRAUD REMOVED I was told i have to GO TO THE POLICE DEPT AND REPORT IT TO THE POLICE FOR FRAUD BEFORE THEY WOULD EVEN CONSIDER IT TO BE REMOVED I have put FRAUD ALERT on my Credit REPORTS ALL 3 and trans UNION REFUSES TO REMOVE ANY THING FROM MY REPORT WITH OUT A POLICE REPORT WAS TOLD TO TO TELL THE POLICE THAT I HAVE BAD CREDIT ON MY REPORT FRAUD IS AS FOLLOWS : XXXX XXXX IN COLLECTIONS/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX  XXXX  IN XXXX TX XXXX IN XXXX  UT XXXX XXXX XXXX HARD HIT AND REFUSE TO REMOVE XXXX XXXX XXXX CARD SERVICES XXXX  FURNITURE FROM XXXX TX XXXX 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I WAS GOING OVER MY CREDIT PROFILE AND NOTICED SOME THINGS THAT DON'T BELONG TO ME OR MY ACCOUNT AND WOULD LIKE THEM REMOVED. 

LISTED ARE THEY ACCOUNTS THAT I DO NO KNOW AS BELONGING TO AS LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DEMAND PROOF OF VALIDATION OF DEBT THROUGH ORIGINAL CONTRACT WITH WET SIGNATURE, FORWARD FLOW AGREEMENT, OR CHAIN OF ASSIGNMENT.

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 2025-02-20 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: BTH Management
State: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST PLAZA SERVICES , LLC. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe PLAZA SERVICES< LLC Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to PLAZA SERVICES , LLC. You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated October 24, 2024 ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
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 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 2025-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a checking and savings with Capital One on XX/XX/XXXX I had a savings of XXXX USD, and I made a transfer of XXXX USD on the XXXX from my checking to the savings, Once I made the transfer automatically my balance went down to XXXX USD. they took my XXXX USD. they changed all the numbers, I called the manager but they refused to give me my XXXX USD I had take my money from there and close my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
My credit data was leaked in the XXXX breach and my information was not investigated properly by XXXX or Transunion. I disputed inaccurate information on my credit report. I request they remove all items listed in dispute letter attached and send documentation of methods used to verify the disputed information. And remove all old addresses and update address to : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief