vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Easy Finance, LLC
State: TX

Complaint narrative:
Easy Finance now known as Stepstone Credit in XXXX gave me a hard time because I had a XXXX  XXXX  debit card that my XXXX was coming on different days each month and it started when I lived in XXXX they're located in XXXX. Arguing with me about knowing when my check would be coming although I didn't know until the check posted so I called them some XXXX. I paid them off when I lived in XXXX and when I moved in XXXX XXXX XXXX called and I got a loan over the phone. After XXXX died XXXX. I had my electric bill on autopay and I had money on different cards I told the loan company which card to take the payment from and they tools the payment from the wrong card causing me to have a returned check to XXXX XXXX and and I had to get utility assistance afterward. They also were told which day to deduct from my XXXX card and they stole my money leaving me with a negative balance. They harrassed me for money I didn't have because I started working for XXXX XXXX and as I worked I never made enough and had to take out other loans to pay them. They've told me twice not to call them anymore. They hang up on me and want me to cuss. They lie. And expect me to be quiet about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my XXXX XXXX & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2025-01-03 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: NJ

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency Experian is in several violations of the FCRA and METRO 2 COMPLIANCE for not conducting a proper investigation and REMOVING an account on my consumer report furnished by the company XXXX XXXX I disputed over mail 4 times with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed account referenced which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. I have included a current photo copy of the account they did not furnish a notice of dispute within 30 days, as well as no bank statements shown by the creditor KIKOFFLENDING that furnished late transactions on a closed account. Experian needs to remove the following account from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which Ive included all my notices sent to them in the attachments below!

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one has stolen my money. they are is keeping my money without my permission to do so. ive asked them numerous times to release my money to me and explained that your renter. credit card company, car notes, phone bill, electricity bills WILL NOT WAIT until CAPITAL ONE DECIDES TO RELEASE MY MONEY. my money needs to be released to me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The Company name is Southwest Credit Group. The number they show on my caller ID that i keep calling is XXXX. They appear to be using third party applications to make calls and do not state who they are when they call or when I call them. My phone marks them as spam but I have attempted to call them back at least XXXX XXXX. XXXX XXXX XXXX XXXX times after the call is places it just makes a noise and doesn't go anywhere or connect. XXXX XXXX XXXX XXXX times an AI agent seems to answer and just asks me why I am calling. When I respond and say " because you called me '' the phone continues to make the same weird noise and never connects. I have waited for XXXX seconds to see if the call will place me with someone that can let me know why they are calling, and they never do. This is very unfair as I'm currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX and am current with all of that with no issues. Their calling with no defined reasons and they have never left me any voicemails at all defining why they are calling or any regard to their situations of who they are and what they need from me or my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute several items on my credit report that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my Experian credit report dated XX/XX/year>, I found that the following accounts include inaccurate or incomplete information : XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX act # XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports. The accounts listed above do not meet this standard, as the information is either incomplete or inaccurate.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the credit bureau must : 1. Promptly delete or modify the inaccurate information, as appropriate.

2. Notify the furnisher of the information that it has been modified or deleted.

Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. By reporting and maintaining these accounts, the furnishers and the credit bureau may have violated my rights under this section.

I request that you investigate the accuracy of the above-listed accounts and take appropriate action, including : 1. Deleting or correcting any information that is found to be inaccurate, incomplete, or unverifiable.

2. Notifying me of the results of your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ).

I have enclosed a copy of my credit report with the disputed accounts highlighted, as well as any supporting documentation to assist in your investigation.

Please note that I expect a response within the legally mandated timeline of 30 days, as outlined in the FCRA. Failure to comply with these requirements may result in further action to protect my rights.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-03 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Iam writing to formally request the removal of a charge-off listed on my credit report associated with account number I understand that this account was charged off due to non-payment ; however, I would like to discuss options for resolving this matter.1681 ( e ) ( b ) if they already written on they taxs it off why is it still there want it be inaccurate and technically want it be charged off one time also can a 1099 be in place and a write to delete off my credit report permanently never got one

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Iam writing to formally request the removal of a charge-off listed on my credit report associated with account number I understand that this account was charged off due to non-payment ; however, I would like to discuss options for resolving this matter.1681 ( e ) ( b ) if they already written on they taxs it off why is it still there want it be inaccurate and technically want it be charged off XXXX time also can a 1099 be in place and a write to delete off my credit report permanently never got 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 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXX XXXX XXXX Account XXXX. XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account listed on my credit report. Despite my previous attempts to address this matter, the information continues to be reported inaccurately and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681. 

The following issues must be resolved immediately : XXXX. Incorrect Balance Reporting : The account is listed as a charge-off but is still reflecting a balance. This is inaccurate, as charge-off accounts are required to be written off by the creditor as uncollectible. Additionally, charge-offs should be accompanied by the issuance of a 1099-C form if applicable, indicating debt cancellation. Reporting both a balance and a charge-off is misleading and a direct violation of the FCRA. 
XXXX. Verification Process Not Followed : In my previous dispute, I requested a thorough investigation into the accuracy of this account. However, the response I received stated that the information was verified. This response fails to address my specific concerns or provide the evidence necessary to substantiate the validity of the reporting. This does not meet the requirements for proper dispute resolution under the FCRA. 

Given the continued inaccuracies, I am demanding the immediate removal of this account from my credit report. Under FCRA Section 1681i ( a ), I am entitled to a prompt and accurate reinvestigation of disputed information. Failure to comply with these requirements constitutes a violation of federal law. 

As a consumer, I have the right to an accurate credit report. The presence of inaccurate information on my credit report is harmful and may be actionable. I trust that you will take this matter seriously and address it promptly. 

Please provide written confirmation of your investigation and the steps taken to resolve this dispute within XXXX  days of receipt of this letter. If you fail to remove the inaccurate information, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. Please contact me at [ your phone number ] or [ your email address ] if further information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if youd like to make any adjustments or add additional details.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/year> at XXXX XXXX  a company called me from the number XXXX XXXX. 

They claimed to be representing " MCM '', and asked me to confirm my name. They then asked me to confirm that I am the spouse of " XXXX XXXX XXXX '' ( redacted so this can be shared ). I told them I am not her spouse. They then immediately asked if I knew her and could help them contact her. I told them I do know her ( she is my sister ), and asked what this is about. They said it was a " personal business matter '', so I told them I could not help them and hung up. 

They called me again on XX/XX/year> at XXXX XXXX  from a different number : XXXX XXXX. My caller ID showed the number as being from MCM. The conversation went identical to the XXXX, with them asking me to confirm my identity and that I am XXXX XXXX 's spouse. I told them once again I am not her spouse, and again they asked if I knew her and could help them contact her. At this point I very clearly told them they have called me multiple times despite being informed I am not her spouse, and that doing so was a violation of the FDCPA. 

I have not shared an address with my sister since I was a minor, over XXXX  years ago. I am also married to a woman with a different last name, so there is nothing in the public record that would indicate I am the spouse of XXXX XXXX. It is clear to me they know I am not the spouse, but are claiming to believe this to justify contacting me in the hope that I will help them contact my sister.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: RI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief