vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX  XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for this account is inaccurate and unverifiable. My payment history shows no record of late payments, as I have consistently made my payments on time.

Additionally, the credit report does not specify a date for this alleged late payment. This lack of clarity violates the accuracy standards required under the FCRA. 
High Balance Discrepancy : The high balance for this account is reported as {$3000.00}, which conflicts with the actual account details. 
Violation of FCRA : These inaccuracies violate my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681s-2 : Mandates furnishers of information to provide accurate data.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Requested Resolution : I request that Equifax : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i.

Provide detailed information regarding the date and evidence of the alleged late payment. If no evidence can be provided, I demand that the inaccurate entry be removed from my credit file.

Correct all discrepancies, including the high balance and payment history, to ensure my credit file accurately reflects my 100 % on-time payment history.

Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXX  account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for this account is inaccurate and unverifiable. My payment history shows no record of late payments, as I have consistently made my payments on time.

Additionally, the credit report does not specify a date for this alleged late payment. This lack of clarity violates the accuracy standards required under the FCRA.

High Balance Discrepancy : The high balance for this account is reported as {$3000.00}, which conflicts with the actual account details.

Violation of FCRA : These inaccuracies violate my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681s-2 : Mandates furnishers of information to provide accurate data.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts.

Requested Resolution : I request that Equifax : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i.

Provide detailed information regarding the date and evidence of the alleged late payment. If no evidence can be provided, I demand that the inaccurate entry be removed from my credit file.

Correct all discrepancies, including the high balance and payment history, to ensure my credit file accurately reflects my 100 % on-time payment history.

Provide written confirmation of these corrections within 30 days of receipt of this letter.

Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am making an official complaint about actions take regarding my account in connection with SYNCHRONY BANK credit card division. My credit plan, which already was limited, was further reduced from $ XXXX {$1800.00}. From the beginning, the credit plan was supposed to be an open end consumer credit plan. I am seeking redress and directing that the {$5700.00} be restored or all limits on the credit plan be removed. Please see attached.

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 2025-01-02 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: MI

Complaint narrative:
XXXX XXXX XXXX - XX/XX/year> this account was opened the amount is for {$550.00}. 

I tried calling this company and no one has answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against CAINE & WEINER for multiple violations of federal law concerning my rights as a consumer. The collection agency has engaged in conduct that disregards the provisions of several laws, which I will outline below : Failure to Provide Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), CAINE & WEINER is required to provide validation information concerning the alleged debt. Despite this obligation, they have failed to provide any such information, yet have furnished the alleged debt to consumer reporting agencies, negatively affecting my credit report.

Denial of Dispute Opportunity According to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), I have a right to dispute the alleged debt. However, CAINE & WEINER has not provided me with the necessary disclosures or afforded me the opportunity to exercise my right to dispute the debt.

False, Misleading, and Deceptive Practices CAINE & WEINER is in violation of my consumer rights by employing false, misleading, and deceptive means in their attempt to collect the alleged debt, which is a clear contravention of 12 CFR 1006.34 ( d ).

Violation of 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), furnishers of information to consumer reporting agencies must ensure the accuracy and validity of the information they report. By failing to provide the necessary disclosures and debt validation, CAINE & WEINER is acting in clear violation of this requirement.

My Requests and Disputes Dispute of Debt : I am disputing any and all debts that CAINE & WEINER claims I owe.

Revocation of Communication Rights : I am revoking all rights of communication with me through email, text, phone calls, or any other electronic means. All future communications must be in writing via postal mail only. 
Request for Validation : I formally request that CAINE & WEINER provide debt validation, including : A copy of the purchase agreement between CAINE & WEINER and the original creditor. 
Proof that CAINE & WEINER is licensed and bonded to collect debts in my state. 
Failure to comply with these requests will further establish their non-compliance with applicable laws and my consumer rights. 

I request the CFPB to investigate this matter thoroughly and hold CAINE & WEINER accountable for their actions. Additionally, I request the removal of the collection account from my consumer report until proper validation is provided. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MO

Complaint narrative:
Requested account deleted/ updated correctly as court case dismissed ( documents included ) experian did not update, instead left it on credit profile.

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 2025-01-02 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: DISCOVER BANK
State: LA

Complaint narrative:
XXXXreversal of temporary credit for {$12.00} for " XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX These are charges on my Discover Card that i disputed back in XXXX when I first saw this come across. Although I received temporary credit, that credit has been reversed and now there's another charge for the same thing & same amount. In early XXXX, I had to get a new card because Discover alerted me of another transaction ( s ) that were fraudulent ( not the items I'm currently disputing ). I even tried the XXXXXXXX XXXX listed for the merchant and all i get is XXXX and never can get anyone on the line to understand why or where this recurring charge is coming from. Discover associate claims this is a carry -over from my previous card which is absolutely not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I recently discovered that the credit limit for the credit plan ending in XXXX has been reduced. Although, the credit plan was supposed to be an open end consumer credit plan, XXXX XXXX, I am directing that the most recent limit is restored back to {$9400.00} or remove all limits in accordance with the Consumer Credit Protection Act. I have already reviewed a copy of the agreement provided and have discovered that the terms in the agreement are adverse to my interest.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. But it has been more than 35 days since the credit bureau havent responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by you
r agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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 2025-01-02 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-02 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The 3 credit bureaus have my name listed multiple times and spelled incorrectly. My name is XXXX XXXX. I have sent copies of my name and social security card to no avail. I have also attached it here for your review. 

All of the 3 credit bureaus have the following spellings for my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These spellings do not belong to me.

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 2025-01-02 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:
The 3 credit bureaus have my name listed multiple times and spelled incorrectly. My name is XXXX XXXX. I have sent copies of my name and social security card to no avail. I have also attached it here for your review. 

All of the 3 credit bureaus have the following spellings for my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These spellings do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: WA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: WA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: BANKERS HEALTHCARE GROUP LLC
State: AL

Complaint narrative:
This is a follow up as I have also filed a complaint with the Federal Reserve Consumer Complaints and they stated that the CFPB has oversight of this area. I am attaching the Amortization Schedule for this loan. Based on the Schedule I will have paid XXXX XXXX XXXX XXXX XXXX XXXX loan. I have paid over XXXX XXXX toward the loan and the remaining balance is still over XXXX XXXX I have also filed a complaint with the State of New York Attorney General Office for assistance with this matter. The gentleman that I spoke with the from BHG Financial attempted to tell me that their practices are in line with the standard industry practices which I dont believe that to be true. If necessary I will file a complaint with the congressional office for assistance as well. BHG Financial is conducting predatory and unethical practices and need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
This agency is reporting inaccurate, incomplete, and unverifiable information on my credit report and I demand that they delete those items immediately as it violates the FCRA. This complaint is to also serve as a notice that I sent a dispute that way later they can not claim ignorance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation