vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
I bought a TV a XXXX inch TV I didn't even get it out of the package before I was upset about it when I got to looking at my papers my loan agreement I didn't expect that TV that's around {$200.00} everywhere else I've looked cost me {$920.00} course that's also with a auto club motor side XXXX XXXX assistance program that she handed me a pamphlet for when I was walking out the door and said that we give this to all of our customers because we have it she didn't tell me she added it in my contract from XXXX I didn't ask for it she added it to my contractor without me even knowing it and then handed me a pamphlet and act like it was just free for everybody I was very upset when I got home I seen it wasn't a XXXX  TV when they said it was I couldn't get no price out of them decided contract and go I tried to return it 2 days and they told me if I returned it I still had to pay the full amount of the {$920.00} they would not take it back unless I still paid that amount for it I'd like to know if that's fair is that right they can do that I've tried taking it back and they told me no I couldn't do it unless I still paid that amount I want something done about it XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Oklahoma XXXX phone numbers XXXX thank you for your help I want to return it and then to destroy my contract I've never even plugged it into the wall

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-01-11 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have pulled my consumer report for the second time and I have noticed that Equifax and XXXX are both reporting innaccurate and unverified accounts on my consumer report. I have requested the names of the people responsible for verification of these accounts and what method was used to come to the determination. According to fcra consumer law it is my right to have this information IN WRITING! I would also like proof of the the original contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both being reported by XXXX and Equifax!!!! I have no knowledge of these accounts and I am absolutely disgusted at the fact that this matter is being ignored after proper procedure being followed. This has caused severe stress and XXXX that my personal information has been allowed to be shared without my written consent and then put me in position to be threatened by debt collectors and unknown sources to garnish my wages or take me to court! Please fix this matter or respond in 5 days!! Its already been past 30 days that I have addressed this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 it also state a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian and XXXX will investigate this account for me to ensure accuracy Here is the account i am asking you to verify as accurate. 


Name : XXXX Account # : 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 2025-01-12 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: NC

Complaint narrative:
On XX/XX/year> I opened a dispute on the accuracy of the following accounts via Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have failed to properly investigate, they sent me back a email regarding the accounts remaining on my credit profile on XXXX XXXX. I asked again for updates regarding the account XXXX XXXX via phone call I was told that I had to go online and re submit a dispute so I did so on the XX/XX/XXXX I received a email again saying that the information was verified and will remain on my credit profile on XXXX XXXX. I believe my accounts were not properly investigated via Experian the reason I asked for the information is due to a data breech that I have been affected by now the XXXX time. 

Experian has not ever fulfilled my request or requirements I have paid XXXX $ a month for monitoring and they have not protected me and this not okay. I was advised to complete a request with you all due to several laws being broken due to Experian neglect please have them REMOVE these accounts that I am unaware of from my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to dispute the inaccurate information on my credit report, which I obtained on XX/XX/XXXX. The disputed items are as follows : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As documented in the lawsuit filed by the Consumer Financial Protection Bureau XXXX CFPB ) against Experian ( Case No. [ Case Number ] ), I am experiencing similar issues with my disputes, including : Failure to conduct a reasonable investigation of my disputes Failure to remove inaccurate information from my credit report Failure to provide accurate and complete information about my disputes I urge you to take immediate action to correct these errors and provide a revised credit report that accurately reflects my credit history. 

To facilitate the investigation, I have attached a copy of my identification, proof of address, and supporting documentation for my disputes. I request that you investigate this matter and correct the disputed items within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Please provide me with a written response regarding the outcome of your investigation and any actions taken to correct the disputed items. If the disputed items are not corrected, please provide a detailed explanation for the denial. 

I appreciate your prompt attention to this matter, and I look forward to a resolution. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-11 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
This company is falsely reporting on my credit report with inaccurate information impersonating me. I've asked to be removed from this account and off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
This creditor has used false, misleading and deceptive means to report the credit card account to my personal consumer profile, and to Credit Reporting Agencies. The account information reportig has multiple inaccuracies, and violations of multiple laws, acts, and regulations. 
XXXX XXXX has reported the last payment to the account on XX/XX/XXXX, and the date it was closed XX/XX/XXXX. The current payment status is " Derogatory ''. Although the account is a " charge off ''. The creditor continues to report " late payments '' as recent as XX/XX/XXXX. The reporting of any transaction history, without written consent from the consumer, is in violation of the Privacy Act of XXXX. Although the creditor has charged off the account, which is reflected in my consumer profile, the creditor continues to report adverse items. The account has been sold to a XXXX party, without proper disclosure to me from the original creditor ( XXXXXXXX XXXX XXXX. A charge off is a XXXX time event, and because it is the creditor should not be repeatedly reporting/continuously updating my personal consumer profile and reporting to Credit Reporting Agencies . These actions have and continue to incur damage to me on a monthly basis violating 15 USC 1681e ( b ) by misleading and inaccurate reporting. Also because the 3rd party purchaser of the charge off account and original creditor are reporting the same account " derogatory status and late payments '', the impact to my personal consumer profile is two-fold damaging, in violation of 15 USC 1681e ( b ) by not ensuring accurate representation of a debt obligation, 15 USC 1681s-2 ( a ) which prohibits misleading or duplicate reporting and 15 USC 1692e ( 8 ) communicating false credit information. The charge off by this creditor ( XXXX XXXX XXXX is required, by IRS guidelines to issue a XXXX for cancellation of debt over XXXX which has not been recieved to date.

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 2025-01-11 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: VA

Complaint narrative:
This creditor has used false, misleading and deceptive means to report the credit card account to my personal consumer profile, and to Credit Reporting Agencies. The account information reportig has multiple inaccuracies, and violations of multiple laws, acts, and regulations. 
XXXX XXXX  has reported the last payment to the account on XX/XX/XXXX, and the date it was closed XX/XX/XXXX. The current payment status is " Derogatory ''. Although the account is a " charge off ''. The creditor continues to report " late payments '' as recent as XX/XX/XXXX. The reporting of any transaction history, without written consent from the consumer, is in violation of the Privacy Act of XXXX. Although the creditor has charged off the account, which is reflected in my consumer profile, the creditor continues to report adverse items. The account has been sold to a XXXX party, without proper disclosure to me from the original creditor ( XXXXXXXX XXXX ). A charge off is a XXXX time event, and because it is the creditor should not be repeatedly reporting/continuously updating my personal consumer profile and reporting to Credit Reporting Agencies . These actions have and continue to incur damage to me on a monthly basis violating 15 USC 1681e ( b ) by misleading and inaccurate reporting. Also because the 3rd party purchaser of the charge off account and original creditor are reporting the same account " derogatory status and late payments '', the impact to my personal consumer profile is two-fold damaging, in violation of 15 USC 1681e ( b ) by not ensuring accurate representation of a debt obligation, 15 USC 1681s-2 ( a ) which prohibits misleading or duplicate reporting and 15 USC 1692e ( 8 ) communicating false credit information. The charge off by this creditor ( XXXX XXXX  ) is required, by IRS guidelines to issue a XXXX for cancellation of debt over XXXX which has not been recieved to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: VA

Complaint narrative:
This creditor has used false, misleading and deceptive means to report the credit card account to my personal consumer profile, and to Credit Reporting Agencies. The account information reportig has multiple inaccuracies, and violations of multiple laws, acts, and regulations. 
XXXX XXXX has reported the last payment to the account on XX/XX/XXXX, and the date it was closed XX/XX/XXXX. The current payment status is " Derogatory ''. Although the account is a " charge off ''. The creditor continues to report " late payments '' as recent as XX/XX/XXXX. The reporting of any transaction history, without written consent from the consumer, is in violation of the Privacy Act of XXXX. Although the creditor has charged off the account, which is reflected in my consumer profile, the creditor continues to report adverse items. The account has been sold to a XXXX party, without proper disclosure to me from the original creditor ( XXXXXXXX XXXX  ). A charge off is a XXXX time event, and because it is the creditor should not be repeatedly reporting/continuously updating my personal consumer profile and reporting to Credit Reporting Agencies . These actions have and continue to incur damage to me on a monthly basis violating 15 USC 1681e ( b ) by misleading and inaccurate reporting. Also because the 3rd party purchaser of the charge off account and original creditor are reporting the same account " derogatory status and late payments '', the impact to my personal consumer profile is two-fold damaging, in violation of 15 USC 1681e ( b ) by not ensuring accurate representation of a debt obligation, 15 USC 1681s-2 ( a ) which prohibits misleading or duplicate reporting and 15 USC 1692e ( 8 ) communicating false credit information. The charge off by this creditor ( XXXX XXXX  ) is required, by IRS guidelines to issue a XXXX for cancellation of debt over XXXX which has not been recieved to date.

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 2025-01-11 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: TX

Complaint narrative:
There has been fraudulent accounts made to my consumer report, there unauthorized charges made to my account

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 2025-01-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 generally, 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. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
For account XXXX XXXX XXXX XXXX XXXX had repossessed vehicle for 3 months of missed payments. The vehicle was the auctioned off for the value of the vehicle at {$13000.00}. XXXX XXXX XXXX XXXX then sold off the {$7800.00} account debt to XXXX XXXX XXXX XXXX XXXX. Threatened or suggested your credit would be damaged. XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX agreed to settle collections account {$6400.00} due to financial difficulties. Payments were made to erase collections history, a " pay for delete '' agreement. Account XXXX was paid off at {$6400.00} in addition to the auctioned amount of {$13000.00}. Pay for delete agreement was not honored.

Company response to consumer: Closed with explanation