vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Called sunrise XXXX told nothing we can do call XXXX Called XXXX XXXX told to call sunrise

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To whom it may concern, This letter is in response to your recent claim regarding account XXXX, which you claim my account was charged off {$550.00}. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Statements are not accurate or valid when adhering to The Fair Credit Reporting Act, 15 U.S.C. 1681c.

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 

I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final good will attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office. Should you continue non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local laws. I further remind you that you may be liable for your willful non- compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detaling any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
I have request SCRA benefits as an XXXX XXXX XXXX  from the state of Ohio. While the account was opened after joining military service, so the XXXX XXXX does not apply, Ohio Revised codes XXXX and XXXX caps XXXX  interest at 6 % with refund of all interest paid in excess of that refunded. I have provided XXXX letters dated XXXX XXXX and XXXX XX/XX/year> as well as a copy of my orders, my leave and earning statement and my member data summary sheet showcasing i am an Ohio resident on XXXX XXXX. Based on Ohio Revised code, my interest could be capped at a maximum of 6 % and the company refuses to follow suit. 

They responded back stating a loan does not qualify as a good or service and therefore does not apply, however, all other loans have qualified. I believe it does as XXXX other companies have abided by this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX I overnighted my loan payoff of XXXX to XXXX XXXX XXXX XXXX XXXX I called on XX/XX/XXXX and was confirmed they received all the payments on XX/XX/XXXX and the account would be credited on that date. I sent an inquiry on XX/XX/XXXX to inquire why there was still a balance of XXXX. I received the below on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you for your recently submitted inquiry. 
At this time, our records indicate the payoff has not been received. 
Please note, the payoff amount is currently {$990.00}. This amount is valid until XX/XX/XXXX I then called XXXX and was informed there was a payment of XXXX missing. This has caused high stress on me and has raised my XXXX XXXX over their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This company will not allow me to apply additional automatic payment amounts toward my loan balance. I was shown a message online and subsequently called and was told that I can not apply amounts paid above the minimum payment to the balance and that amount could only be applied to Future payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Illinois XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE ACCOUNT REPORTING UNDER FEDERAL LAW To Whom It May Concern, I am formally requesting the immediate removal of an inaccurate account from my credit report in accordance with my rights 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. 

The account in question pertains to an auto loan originally serviced by XXXX XXXX XXXX for a XXXX XXXX XXXX ( VIN : XXXX ). According to a written notice from XXXX XXXX XXXX, effective XX/XX/XXXX, the ownership and servicing of this account were transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX longer owns or services this account, meaning they are no longer legally authorized to report any information related to it to your credit bureau. 

Despite this, the account remains listed on my credit report, which constitutes an unauthorized and inaccurate reporting violation under : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information 15 U.S.C. 1681i ( a ) Requirement to Remove Inaccurate Information 15 U.S.C. 1681n Civil Liability for Willful Noncompliance ( {$1000.00} per violation ) Metro 2 Compliance Guidelines Requires Accurate and Up-to-Date Data Reporting This inaccurate reporting is damaging my credit profile and causing unjustified harm. As such, I demand the immediate deletion of this account from my credit report. If this inaccurate information is not removed within 30 days, I will have no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action for damages as allowed under 15 U.S.C. 1681n. 

Enclosed is a copy of the letter from XXXX XXXX XXXX confirming the account transfer, further proving that XXXX no longer has legal authority to furnish data related to this account. I request written confirmation from your agency once this account has been removed. 

Failure to comply with this request will result in legal action to enforce my rights and seek monetary damages. Please treat this matter with urgency. 

Sincerely, XXXX XXXX Enclosures : Copy of XXXX XXXX XXXX Account Transfer Letter

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 2025-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Around XXXX of 2024, I deposited money into my accounts at Chase Bank and the next day they closed my accounts without any warning at all! This happened the day before payday and left me in a serious bind. When I tried to get answers from Chase all they ever said was " the accounts are closed. I even went to a bank and had a manager try to get some answers, and even she couldn't get any answers. 
Finally someone told me that i would have a check and explanation within a week. well, I didn't get anything for a month! I received a random check a month later with no explanation whatsoever. 
I had taken out a loan from another institution, and deposited it into my Chase accounts to pay off some debt, and my wife had a closing on some property. All of a sudden they close my accounts and left me without any money at all! 
I had no way to check to see if the money was an accurate amount or anything because I couldn't access my account balances. There was enough money to cover a credit card debt I had, and now they're saying i still owe them money. And, now they're suing me for about {$5800.00}. 
I feel that this is a blatant example of unfair business practices and I think they should be held accountable! After all, they ruined my credit rating, got me behind in all my bills, and caused extreme stress to me and my wife for over a month!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes.

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
ON XX/XX/year>, I opened a store credit card at XXXX XXXX, when I received the bill, I scheduled the payment to be paid in full on the due date which was approx XXXX weeks in XXXX XXXX. The payment came out that day as scheduled, but did not come out under XXXX or even have XXXX in the description. The total amount taken out was {$170.00}, so i called my bank to request information on whom was deducting that much money from my account. I did not recognize a Comenity Bank, which is what the charge was labeled as. Had it been labeled as XXXX, I would have known that it wasnt fraudulent. I asked the bank if they could see contact information, almost always you can get a phone number that you can contact to look more into a charge. There was no information, so I filed a chargeback, this way the bank would look more into it and be able to give the business I did not recognize a chance to show that the charge was just. After two days I was still mulling on the charge and had a thought that it might be XXXX. I called my bank and explained that it might be XXXX, if it was that it would be a just charge and that I owed them money. The bank was never able to find a way to contact them, so they finally returned my money to me. Not much later did I get a letter from XXXX that showed the payment being owed with a late fee. I called instantly, explained the mistake to the person on the phone, paid the balance in full minus the late fee, they waived that and seemed to understand the confusion. It was explained to me that I owed nothing more on that day. Yesterday, i got a bill for two more additional fees, a returned check fee and a finance fee. Those fees had already started to collect interest, even though this was the first bill I had gotten about them and first time I was informed that I owed that. I called, thinking this was a mistake, even spoke to a Manager about waiving them and explaining the situation. The Manager hung up on me, I did not swear or yell at the company and also explained that I never dont pay what I owe and take pride in my XXXX XXXX XXXX. After being hung up on, I did decide to call back and just pay the fees to protect my credit score, the lady that time seemed to be more understanding and at least waived the interest I owed due to the 2nd and 3rd fee they had attached to this. I would very much appreciate getting my {$35.00} back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XX/XX/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