vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The company violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) : Failed to conduct a reasonable investigation of disputed information after being notified of errors.

15 U.S. Code 1681i ( a ) ( 6 ) : Did not provide results of the reinvestigation within the required XXXX time frame. 
15 U.S. Code 1681i ( a ) ( 7 ) : Failed to provide a description of the procedures used during the reinvestigation to determine the accuracy of the disputed information.

15 U.S. Code 1681e ( b ) : Did not ensure maximum possible accuracy of the information in my credit report.

15 U.S. Code 1681i ( a ) ( 5 ) : Neglected to delete or modify unverifiable or inaccurate information identified during the dispute process. 

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 Inquired on XX/XX/XXXX Despite notifying the company of these errors and submitting supporting documentation, no corrective action or adequate explanation was provided. The continued inclusion of inaccurate information is damaging and unlawful under the FCRA.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXXXXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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}

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: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report by Nissan- Infiniti LT. After thoroughly reviewing the account in question and applicable laws, I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection statutes. 

The details of the dispute are as follows : Account Name/Number : XXXX Creditor : Nissan- Infiniti LT Amount Charged-Off : {$8100.00} Reporting Date : XX/XX/2019 Reason for Dispute : 1. Failure to Verify Information Under FCRA : According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they include in consumer credit files. I contacted the original creditor and the credit reporting agency to verify the legitimacy and accuracy of this charge-off. However, I have not received proper documentation or verification of the alleged debt, which violates my rights under the FCRA. 
2. Inaccurate Reporting Practices : Upon reviewing the account, I found inconsistencies in how the charge-off is being reported. For example : The dates of first delinquency differ across credit reporting agencies.

The account balance appears inflated or incorrect.

There is no clear explanation of how this amount was calculated.

These discrepancies suggest violations of the FCRAs requirement to maintain accurate reporting ( 15 U.S.C. 1681e ( b ) ).

3. Potential Violation of Debt Collection Practices : If the charge-off stems from improper or deceptive collection practices by the original creditor or a third-party agency, this could also violate the Fair Debt Collection Practices Act ( FDCPA ). I request a thorough review of this matter to ensure compliance with federal law.

Requested Resolution : I kindly request the following : The removal of the inaccurate charge-off from my credit report if the creditor can not provide complete and accurate documentation.

A copy of all documents used to verify the account, including original agreements, statements, and correspondence related to the charge-off.

This issue has negatively impacted my credit score and financial stability. I urge the CFPB to investigate this matter promptly and ensure compliance with applicable laws to protect my rights as a consumer.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon checking my annual credit report Ive noticed that they are accounts on my report that I have no knowledge about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Upon checking my annual credit report Ive noticed that they are accounts on my report that I have no knowledge about.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Please see supporting documents due to the Equifax Data Breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX -- {$29000.00} XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX -- {$36000.00} XXXX XXXX XX/XX/XXXX {$0.00}

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX insurance stating that they have received adverse information from a consumer report provided by LexisNexis Risk Solutions. The problem is I spoke with LexisNexis in XX/XX/XXXX and advised them that I wish to opt out of their services and demanded a Security freeze, so they would never provide consumer information about me. XXXX XXXX purchased account information about me from XXXX XXXX illegally when I had an insurance policy in Nevada, and I never set up any account with LexisNexis and have no business with them. I received confirmation in XX/XX/XXXX that I was opted out via email, however they have again violated my consumer rights by providing a report to XXXX after the opt out was in place without any express permission from me. The problem is LexisNexis, having purchased consumer data from an insurance company is violating the FCRA by sharing data without knowing any details about me or why my insurance was closed out- therefore, receiving a denial of insurance is adversely affecting me from getting a reasonable policy. Furthermore, I never heard of LexisNexis Risk Solutions until last year when they provided a negative consumer report about me to XXXX XXXX XXXX and other insurance companies without providing any specific details to these companies on my insurance policy actions. Their sharing data illegally affected me in XXXX, and therefore I demanded in writing to opt out of their database by filling out a form and submitting identifications online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I've been trying to contact XXXX so many times and in many ways possible without response, other than regular automated responder from their system, when i called there is not way to have a person to answer my call, it seems that they don't have a real person there, I've been disputing and debt validation through mail with no answer from them, all my right have been violating by XXXX, exposing my personal information and with no responsibility to correct their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: PA

Complaint narrative:
On XX/XX/year>, the money was sent to the " XXXX XXXX XXXX '' agency, paying in cash the amount of XXXX dollars, which were XXXX for the shipment and XXXX dollars for the service. Normally the money arrives within an estimated time in which it appears on the shipping ticket. The money I sent has not arrived as of today and they have not returned the money to me ( today is XX/XX/year> ). After a week of not meeting the estimated shipping date. I decided to call the agency and they have not been able to give me information and told me to contact the main company for which they work to make shipments. 
To all this they sent a response to my complaint in which they said that they sent a check, which unfortunately has not arrived, 6 months have passed and I am still waiting for the check. I would like to know when they will return my money. 

Note : My current address has changed as I now live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my 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 2025-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Inaccurate Reporting of Sold Debt Violation of FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file, which appears to violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 
The debt in question was originally held by XXXX  XXXX and was subsequently sold to XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, I did not receive a Form 1099-C from the original creditor, which is typically issued when a debt is canceled or forgiven and considered income by the IRS. 
As you are aware, accurate and complete reporting is required by law, and the lack of a 1099-C raises concerns about the legitimacy and accuracy of the reporting of this account. It also creates potential tax implications for me, as the debt could be improperly reported as taxable income.

Pursuant to 15 U.S.C. 1681i, I am requesting that Equifax XXXX XXXX  Conduct a thorough reinvestigation of this account and verify its accuracy with the original creditor and collection agency. 
XXXX. Remove or correct any inaccurate information regarding this debt from my credit file immediately if it can not be verified as accurate and compliant. 
To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed. 

A copy of my ID and proof of address for verification purposes. 
Please note that you are required to complete your reinvestigation within XXXX  days of receiving this letter, per FCRA regulations. I expect a written response regarding the outcome of your investigation, including any corrections made to my credit report. 
Requested Action : I kindly request that you : XXXX. Conduct a thorough investigation into these accounts. 
XXXX. Provide me with the results of your investigation within XXXX  days as required by law. 
XXXX. Remove the aforementioned items from my account. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with non-monetary relief
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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Inaccurate Reporting of Sold Debt Violation of FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file, which appears to violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 
The debt in question was originally held by XXXX  XXXX and was subsequently sold to XXXX LVNV FUNDING LLC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, I did not receive a Form XXXX from the original creditor, which is typically issued when a debt is canceled or forgiven and considered income by the IRS. 
As you are aware, accurate and complete reporting is required by law, and the lack of a 1099-C raises concerns about the legitimacy and accuracy of the reporting of this account. It also creates potential tax implications for me, as the debt could be improperly reported as taxable income.

Pursuant to 15 U.S.C. 1681i, I am requesting that XXXX : XXXX. Conduct a thorough reinvestigation of this account and verify its accuracy with the original creditor and collection agency. 
XXXX. Remove or correct any inaccurate information regarding this debt from my credit file immediately if it can not be verified as accurate and compliant. 
To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed. 

A copy of my ID and proof of address for verification purposes. 
Please note that you are required to complete your reinvestigation within XXXX  days of receiving this letter, per FCRA regulations. I expect a written response regarding the outcome of your investigation, including any corrections made to my credit report. 
Requested Action : I kindly request that you : XXXX. Conduct a thorough investigation into these accounts. 
XXXX. Provide me with the results of your investigation within XXXX days as required by law. 
XXXX. Remove the aforementioned items from my account. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have requested on several occasions for my address to be changed on all XXXX  credit bureaus. My address and name is reporting incorrectly.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX began reporting a collection account on my credit reports on XX/XX/year>. XXXX  Validation Request : On XX/XX/year>, I submitted a written request for debt validation via email. I explicitly requested the following : - Proof that I owe the debt. - Information about the original creditor. - A detailed account of how the amount was calculated. - Copies of contracts, agreements, or statements establishing liability. - Proof that XXXX is entitled to collect on this debt. XXXX  Validation Request : On XX/XX/year>, I reiterated my request through XXXX 's website inquiry page. Delayed Response : XXXX responded with a letter dated XX/XX/year>, exceeding the XXXX validation period required by law that did not address the requested documentation and failed to prove responsibility of this debt to me as outlined by federal and state law. Violations : Fair Debt Collection Practices Act ( FDCPA ) : Validation Requirement : Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activities if a written dispute or request for validation is received within 30 days, until they provide proper verification of the debt. Violation : XXXX failed to validate the debt in a timely manner and continued reporting the collection to credit bureaus. New York State Debt Collection Regulations : New York State regulations mandate debt collectors to provide detailed information about the original creditor, the debt amount, and their authority to collect the debt. Violation : XXXX failed to adhere to these requirements within the prescribed timeframe. A statement from the alleged source of debt ( XXXX ) which XXXX claims to be collecting on is not a sufficient source to prove XXXX is legally entitled to collect this debt agaisnt me and does not address the requests I have made now XXXX times. Also I have contacted the provided phone number which is XXXX and a representative named XXXX XXXX as per XXXX 's previous XXXX response letter. XXXX has failed to connect with me or respond back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On Monday XX/XX/XXXX, I deposited XXXX checks drawn on my Attorney 's escrow account at the XXXX XXXX branch in XXXX, GA. I have been a XXXX  customer for many years since they bought XXXX XXXX. I have a checking account, business acct. and a XXXX credit card. 
The XXXX check deposited into a new money market acct was {$100000.00} of which {$25000.00} was moved to my checking account. The money was available XXXX days later on Wednesday XX/XX/XXXX. 
The other check in the amount of {$220000.00} was deposited into another new money market acct. As of Friday this check, again drawn on a law firms acct. was still unavailable. After an hour on the phone with XXXX  fraud dept. the funds were made available. Later that day Friday night I again checked the balance and ALL OF MY ACCOUNTS INCLUDING MY EXISTING CHECKING ACCOUNT NOW SHOWED XXXX BALANCE AND XXXX AVAILABLE FUNDS. 
I again called XXXX  Bank and after XXXX hour and XXXX minutes of hold time I was informed that XXXX  had waited till the end of the day Friday XX/XX/XXXX to attempt to verify the check. NOTE : The XXXX area was now under emergency conditions due to weather. The only person at the law firm was in the real estate dept. and informed XXXX  that he was unaware of the checks since this isn't his dept. XXXX  in their infinite wisdom took this as possibly fraudulent checks and froze ALL MY ACCOUNTS. Today is Sunday and merchants are getting payment declined messages when attempting to clear scheduled payments. 
Also I am losing money everyday that the XXXX Money market accounts are not receiving the XXXX % interest on the money market accounts. I hoping your agency can look into this ridiculous handle of check clearing XXXX  days after the deposits on a snow/ice emergency on a late Friday afternoon. This is totally unacceptable behavior by a XXXX XXXX Bank. 
XXXX XXXX XXXX

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I received the attached from Equifax. I have no idea why they sent this to me. I never reported any issues with ID theft. This is part of so many errors this company repeatedly keeps making on my credit report. I want this ID theft notice squashed as I never ever sent them anything via phone, or mail that my identity has been compromised. I chalk this up to their continued practice of screwing up consumers reports with no accountability from any law enforcement agency.

Company response to consumer: Closed with explanation