vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint because WORLD FINANCE CORPORATION is reporting an account on my credit report that is fraudulent, unverified, and inaccurate. The account is listed under account number XXXX, and shows as opened on XX/XX/year>. 

I have no knowledge of this account and have never entered into a financial agreement with WORLD FINANCE CORPORATION. I did not authorize this account, and I believe it may be the result of identity theft or a reporting error.

I have submitted disputes to both the credit bureaus and World Finance Corporation directly. My dispute packet included : An FTC Identity Theft Report A copy of my government-issued photo ID Proof of current address These documents satisfy all requirements under the Fair Credit Reporting Act ( FCRA 605B ). Despite my compliance, the account continues to be reported, in violation of the following laws and standards : FCRA 605B ( a ) Requires deletion of identity-theft-related information within 4 business days of receiving valid documentation.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate or unverifiable information.

FCRA 623 ( b ) ( 1 ) Requires a reasonable investigation and correction or deletion of disputed data within 30 days.

Metro 2 Compliance Guidelines The account should be marked with code XB during dispute and DA for deletion if unverifiable or fraudulent.

The continued presence of this fraudulent, unverified, and inaccurate account is negatively impacting my credit and violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a business account with Regions that I have not used since XXXX. It has not had activity since XXXX. The account was for a Not For Profit donations specifically. A paypal purchase was inadvertanty made in XX/XX/XXXX. Vendor was contacted via email to provide corrected information and I was surprised to learn that the purchase went through Regions already. There were insufficient funds to pay the charge which was completely out of character for the account since nothing has been purchased for years. Of course, Regions charged an overdraft fee. I received an alert from Regions via email. I checked the account status via phone and learned that there was a negative balance. I called Regions to see how to correct the issue 3 times. Each time I was denied verification, provided all verification information except the date I opened the account. This information included, the amount of the last transaction, place I opened the account, my name and SSN, tax ID number of the business, name of the business. All I wanted to do is take care of the balance owed and I am unable to do so. Although that was the basis of my complaint, I will add that the bank has liability here in that they allowed a charge to go through what is a dormant account without sufficient funds with no history of me making purchases, without verification and made in a foreign denomination. By any reasonable standard, this would have been flagged. Now I am faced with mounting fees because I have no way to get to a branch and can not be verified online.

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
Do to the fact that theres no real money and its only a consumer credit transaction under my due process right I have the right to see the transaction from the beginning Im requesting the 1099 OID AND A FULL DISCLOSURE of the XXXX, XXXX  and XXXX  number that was securitized under my social security number and all other transactions involving my all capital name this company refused me of my due process rights, and during the credit transaction I was asked to put down a XXXX dollar payment which is illegal securities and commodities fraud under 18 usc 1348 this is also a violation of 25 CFR 11.417 a financial institution can never request a down payment and I have a full faith in credit backed be the United States of American 15 USC 1611 and under UCC 9-311, 9-312, 9-313 no institution or XXXX XXXX is in violation of several state and federal laws including UCC violation of 15 USC 1692 ( c ) cease and desist sending third party companys on my private property and giving third party companies my personal information which is aggravated identity theft under 10028 ( a )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX {$640.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$4200.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$2200.00} ( Charge Off ) XXXXXXXX XXXX {$7600.00} ( Charge Off ) XXXX XXXX XXXX XXXX {$1100.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX Off ) XXXX XXXXXXXX XXXX  {$4100.00} XXXX XXXX Buyer ) XXXX XXXX {$430.00} ( Collection/Debt Buyer XXXX XXXX XXXX XXXXk {$630.00} ( Collection/Debt Buyer XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The collection CREDIT COLL IS reporting inaccurate data, balances, and unverified accounts on my credit reports. Ive disputed multiple times and most recent XX/XX/year>. The account still remains on XXXX. Id like the accounts to be blocked and removed due to the inaccuracies and the XXXX XXXX XXXX data breaches, to be reassured that they wont return to my credit reports. Information was not deleted from my XXXX  credit report after disputing. It was only deleted from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2025-05-29 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-05-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, La XXXX XX/XX/XXXX To whom it may concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : XXXX XXXX XXXX  XXXX XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 
As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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 block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I initiate or approve them. Pursuant to USC 1681g, I am requesting their removal within 15 days. Ive included relevant documents for your reference. Its important to note that the account details being reported differ from bureau to bureau and are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/15 I booked a reservation with XXXX XXXX XXXX XXXX. Upon checking into the room we found that it was dirty, appliances were broken and there was mold. We were switched to another room and the mold was worse. We left prior to midnight the which is listed on the cancelation policy and requested a refund. I called XXXX several times about the refund after the front desk agent informed me it would be processed. Since I was not able to get to agent I called capital one to dispute. On XXXX I was sent a email saying my temporary credit was reversed and I needed to provide additional information. I provided the email I sent to the general manager, a case I'd I arranged with XXXX XXXX  and I also informed them ( capital one ) that the number they gave me for the merchant was incorrect. After all of this information they still refuse to assist. I sent case numbers, email screen shots and still no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
in response to the recent letter I received from your office regarding a request for proof of identification. I would like to clarify that I have already submitted the necessary identification documents along with my original dispute letter. 

The documents were included as supporting materials to verify my identity and ensure proper handling of my dispute.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MD

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 explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information being reported. These remarks have been detrimental to my life and credit health.

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