vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: CA

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 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 2025-01-06 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: KS

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 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate and Conflicting Credit Reports Violation of the Fair Credit Reporting Act ( FCRA ) Description of the Problem : I am filing this complaint due to inaccurate and conflicting information appearing on my credit reports from XXXX, XXXX, and TransUnion. Despite submitting formal disputes to all three credit reporting agencies and contacting the furnishers of the information directly, these discrepancies remain unresolved. 


The conflicting information includes [ list specific accounts or errors, e.g., charge-offs reported differently on my reports ], which violates the Fair Credit Reporting Act ( FCRA ).

The violations include : 1. Failure to Maintain Accurate Records ( FCRA 1681e ( b ) ) : The credit reporting agencies are required to ensure the accuracy and completeness of the data they report. The conflicting entries across my credit reports indicate a failure to meet this requirement.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ) : After disputing the errors, I did not receive sufficient evidence that the credit reporting agencies conducted a proper reinvestigation.

3. Furnishers Duty to Report Accurate Information ( FCRA 1681s-2 ) : The creditors furnishing this data are reporting inconsistently across the bureaus, which is another clear violation.

Actions I Have Taken : I submitted formal dispute letters to XXXX, XXXX, and TransUnion, requesting that they investigate and resolve the inaccuracies. 

I contacted the furnishers of the disputed information to clarify and correct the data being reported. 

Despite these efforts, the errors persist, causing significant harm to my credit standing. 



Supporting Documents Provided : Copies of my credit reports showing conflicting entries. 

Copies of dispute letters sent to the credit bureaus. 

Responses from the credit bureaus and furnishers. 



Requested Resolution : I am requesting that the CFPB : 1. Investigate the unresolved inaccuracies and enforce the FCRA requirements.

2. Require the credit reporting agencies and furnishers to correct or delete the inaccurate information.

3. Confirm that all parties have conducted a proper reinvestigation as required by law.

Harm Caused : These inaccuracies have negatively impacted my credit score, affecting my ability to secure credit and other financial opportunities. This situation has also caused undue stress and wasted time in attempting to resolve the matter directly with the involved parties.

Contact Information : Please let me know if additional information is needed to assist with the resolution of this complaint.

Thank you for your 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 explanation
Consumer complaint received 2025-01-06 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: CA

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 rep
orting 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 2025-01-06 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: AR

Complaint narrative:
As per the guidance from the Consumer Finical Protection Bureau ( CFPB ) the document needed a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business day, pursuant to section 605c of the Fair Credit Reporting Act. i am a XXXX XXXX XXXX XXXX of DeXXXX bondage and would like for all listed accounts to be blocked and deleted company information transunion please delete the following accounts. 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 2025-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered an unauthorized inquiry on my credit report this morning, and I have no idea why it's there. When I checked my report, I found unexpected discrepancies. I even tried refreshing my browser to see if it was a technical glitch, but the issue persisted. This situation has caused me great frustration, and I urgently request that the documents Ive provided be reviewed thoroughly so I can stop worrying about this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to formally dispute the validity of a collection account appearing on my credit report.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question.

Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ] Amount : [ Debt Amount ] I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied.

I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency.

Furthermore, please provide verification that the statute of limitations on this debt has not expired.

I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. 
Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, {$1400.00} was taken from my PayPal account without my permission. I filed with PayPal for a refund on these funds, but on XX/XX/year>, PayPal denied my request for a refund. Then, on XX/XX/year>, PayPal debited my account in the amount of {$490.00} and XXXX. Then on XX/XX/year>, PayPal debited my account in the amounts of {$490.00} and {$490.00}. They claim that they gave me several refunds for the money stolen from my account. This is not correct. PayPal refunded me no money whatsoever. 

I tried on several occasions to straighten out this dispute with PayPal. XXXX of those instances, I requested a call back from a supervisor and received no return call. In PayPals communication with me through my dashboard, along with my conversations with PayPal customer service, I was told that I had been refunded more than once for these fraudulent withdrawals from my PayPal account. I received no funds whatsoever from PayPal. Now, PayPal has turned this account over for collections to XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/year>, Transunion began in incorrectly report my prior federal student loans as delinquent. The issue began XXXX consolidated 5 of my student loans into one, during the On-Ramp period established through the US Department of Education under the XXXX XXXX XXXX XXXX I filed a complaint with XXXXUS Department of Education XXXX XX/XX/year>, and it was found my complaint was warranted as they made an error on my account, and issued notifications of correction needed to the XXXX credit buearus. XXXX and XXXX made the necessary corrections, but TransUnion refuses to make the correct, even after I provided documentation to them from XXXXUS Dept of Ed reflecting the report of delinquent accounts was incorrect and needed to be updated. I am requesting that the CFPB require Transunion to remove all notation Late Payments, 90 days past due date and Maximum Delinquency of 90 days in XX/XX/year> reports/notations are completely corrected and removed for all student loans for all months- and to ensure that my credit report reflects all current and prior student loans as in good standing. This is in violation of the On-Ramp period that was in place at the time of my student loan considation through XXXXUS Department of Education under the XXXX XXXX administration.

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 2025-01-06 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I purchased a bookcase from XXXX. XXXX never delivered the product. There was no proof of delivery or signature signed. However, when dispute was filed with Amex, they sided with merchant and didn't resolve the dispute nor provided proof of delivery. They said it was marked as delivered even though there was no photographic evidence or any signature. It showed on the tracking that it was delivered without signature. However, Amex did not look through any evidence and system seems to automatically declined dispute. They also did not allow to escalate to upper management showing lack of transparency and customer protection. Card was advertised with purchase protection in case of loss or thef but they did not follow what they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
Back on XX/XX/XXXX i bought XXXX unheard edition. I never got the email or anything regarding the game download. i figured it was because it was in 'beta ' and not available yet? i signed into my escape from XXXX  account and i wasn't able to find it on their website and their support never responds to emails. 

I reached out to XXXX and they confirmed they won't be issuing a refund to reach out to the game vendor. I did this and no response from game vendor. 

Opened dispute with CapitalOne on XX/XX/XXXX, they denied my dispute on XX/XX/XXXX. they " CapitalOne '' says they can't do anything more because it is pass the 60 days from XX/XX/XXXX to XX/XX/XXXX. 

I bought a game online via a vendor. vendor never supplied said game. disputed with capital one and they are denying my claim and siding with scammers of XXXX, if you do some research on this company you'll see this isn't the first time they are scamming customers. 

XXXX own XXXX XXXX XXXX  terms says clearly if item is not received refund is allowed, where is my refund? 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, California, XXXX Game vendor XXXX out of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have a loan with American Credit Acceptance. The car was purchased at XXXX XXXX in XXXX  the contract was for XXXX  monthly payments of {$340.00} totaling {$24000.00} - {$11000.00} car price and {$12000.00} to interest. Now as of today I have paid XXXX  monthly payments totaling {$25000.00} - {$9200.00} to the car and {$15000.00} to interest and the company says I still owe {$2500.00}. When making payments I usually paid {$350.00} instead of the {$340.00}. I have many emails and chats with this company and all the company says is I owe them and my account has a daily finance charge. I have my monthly statements and the information on the statements do not match what the company is saying is owed. It seems I will never pay this car off and I need help as I have already over paid for this car and the company just wants more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I recently XXXX a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frommy report, they are hurting my ability to obtain credit.

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 2025-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I was called by a XXXX XXXX XXXX bank phone number ( XXXX ) stating my account had fraudulent activity through XXXX. They gave me a reference, name of who the money was sent to, and amounts. XXXX cancellation codes : XXXX {$490.00} to XXXX XXXX XXXX {$1000.00} to XXXX XXXX I DID not make those XXXX transfers so the Bank transferred me to the " XXXX XXXX XXXX XXXX ''. This is where they continued to have me make transactions through XXXX and send money through my debit account from XXXX and XXXX money XXXX so they could " verify '' it was me. The " XXXX '' employee from the fraud dept sent me XXXX different barcodes to have scanned when at XXXX to send the money so I have no idea who it was sent to. The Western Union in XXXX was sent to XXXX XXXX XXXX, in the XXXX XXXX. XXXX {$29000.00}, totaling {$3000.00}. Not XXXX question was asked by Western Union or XXXX when making the money transfer, which is against their policy as well. The phone number texting me all of this information with barcodes and XXXX 's info is ( XXXX ) XXXX. I have receipts from all three of these transactions. XXXX bank refunded and " approved '' the fraudulent XXXX and XXXX XXXX transactions and this XXXX ( Western Union ) transaction was part of the same fraud scheme, so I feel Western Union bank needs to refund me the money as well! Please help! 

I also have a police report : case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Filed with CFPB agains lvnv llc they responded and said it was removed from all XXXX credit bureaus and it has not been removed they are now working under another company XXXX XXXX

Company response to consumer: Closed with explanation