vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
My personal information was compromised and used without my knowledge fraudulently to receive and car lease from credit acceptance. My information was exposed possibly during a data breach and compromised Im asking for that this account to be removed from my credit report and blocked The date of this account : XX/XX/year> Amount : {$11000.00} 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is a formal demand to remove the inaccurate information from my credit report. This error is unacceptable, and I will not allow it to remain on my record any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
the majority of the collections and delinquent accounts on my credit report are inaccurate items that currently, negatively impact my credit score. despite my disputes filed with Experian, it remains unresolved

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 2025-02-05 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: IL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-05 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: IL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
Formal Complaint for Removal of Child Support from Credit Report Account Number : [ XXXX ] I am writing to file a formal complaint regarding the improper reporting of child support obligations on my credit report. Based on the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, I am requesting the immediate removal of all child support entries from my credit report for the following legal reasons : **Legal Basis for Removal** 1. The FCRA defines consumer credit transactions under 15 U.S.C. 1679a ( 3 ) as transactions involving " credit extended to a consumer primarily for personal, family, or household purposes. '' Child support obligations do not meet this statutory definition as they : - Are not extensions of credit - Do not involve a creditor-debtor relationship- Are court-ordered obligations rather than voluntary credit arrangements 2. Under 15 U.S.C. 1681b, credit reports may only be furnished for permissible purposes, which primarily relate to : - Credit transactions - Employment purposes - Insurance underwriting - Legitimate business needs The reporting of child support obligations falls outside these permissible purposes as defined by the statute. 

**Violation of FCRA Requirements** The current reporting of my child support obligations violates several key provisions of the FCRA : 1. Section 1681e ( b ) requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy. '' Including non-credit items like child support violates this accuracy requirement.

2. Section 1681c governs the content of consumer reports and does not explicitly authorize the reporting of child support obligations.

**Request for Action** Pursuant to these violations, I formally request : 1. Immediate investigation of this matter 2. Removal of all child support entries from my credit report 3. Notification to all parties who have received my credit report within the last six months of this error 4. Written confirmation of these actions within 30 days If the requested actions are not taken within the statutory timeframe, I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to : - Actual damages under 15 U.S.C. 1681n - Statutory damages- Punitive damages- Attorney 's fees and costs Please note that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you have 30 days from receipt of this complaint to conduct a reasonable investigation and respond to this request. 


I look forward to your prompt response and resolution of this matter. All communications regarding this complaint should be sent to :

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: OH

Complaint narrative:
on XXXX they suspended my account with no notice and will not give me any answers about the status of my funds and direct deposit. I called and emailed no answers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : Formal Complaint for FCRA Violations and Illegal Re-Aging of Child Support Account Account Number : XXXX Dear Sir/Madam, I am submitting this formal complaint regarding illegal and inaccurate reporting of child support obligations on my credit report by [ Name of Furnishing Agency or Creditor ], which is in direct violation of the Fair Credit Reporting Act ( FCRA ). This correspondence serves as both a dispute under the FCRA and a notice of potential legal action for willful non-compliance. 
Legal Basis for My Dispute 1. Illegal Re-Aging of Delinquency Dates : Under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ), delinquent accounts can not be reported for more than seven ( 7 ) years from the date of first delinquency. Despite previous disputes, [ Name of Furnisher/Credit Bureau ] has illegally re-aged my child support account by updating delinquency dates to more recent periods, artificially extending the reporting period. 
This practice is unlawful unless there is documented proof of a new, separate delinquencywhich I demand to be provided. 
XXXX. Violation of Accuracy Obligations : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure the maximum possible accuracy of the information reported.

15 U.S.C. 1681s-2 ( a ) mandates that data furnishers must report accurate information and correct errors promptly after a dispute. 
3. Failure to Conduct a Reasonable Investigation : Despite submitting prior disputes, the credit bureaus and furnishers have failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ). Simply updating dates without verifying the legitimacy of the information violates this section.

Formal Request for Action Pursuant to the FCRA, I am demanding the following : 1. Immediate Investigation : Conduct a thorough investigation of the illegal re-aging of my account XXXX. 
XXXX. Deletion of Inaccurate Information : Remove all improperly reported child support delinquencies and any re-aged data from my credit reports with [ Equifax, XXXX, XXXX ]. 
XXXX. Proof of Verification : Provide written documentation verifying the source of the reported delinquency dates and any supporting evidence that justifies recent updates. 
4. Notification of Corrections : Notify all parties who accessed my credit report within the past six ( 6 ) months of the corrections made.

5. Written Confirmation : Provide a written response within 30 days as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Notice of Legal Intent If these actions are not taken within the required timeframe, I will pursue all available legal remedies under the FCRA, including : Actual damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Statutory damages Punitive damages for willful non-compliance Attorneys fees and legal costs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not give this company permission to pull my credit, and I will not tolerate this unauthorized inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

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.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Today XX/XX/year> I tried to send money from one bank account to another using the cash app. I chose the instant choice which give me a fee of XXXX for use. The cash app system messed up and sent it back to the wrong bank account minus the fees. Instead of trying to resolve this through the chat. The person kept giving me the runaround and saying they resolved it multiple times they also tried to get me to erase the thread by starting a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Greetings, XXXX XXXX here, I am writing CFPB, regarding American Express, and their false practices. I have been a loyal customer of American Express for XXXX, currently American Express decided to close all of my accounts without my consent. This is direct violation of FCRA laws. Under the FCRA I am protected from my rights being violated, firstly they never provided any notification, until I noticed all my accounts were closed abruptly and decided to make a call.

Also the ECOA, Equal Credit Opportunity Act, protects me from discrimination which is exactly what is occurring. Regulation E states clearly they must provide notice before closure, especially ones associated with electronic transfers, plus the FDIC and OCC rules follow guidelines pertaining to fair treatment when closing accounts. In this case AMEX, expressed I made a call requesting my account be closed. This is the farthest from The truth. 

I called to ensure my payment or {$55000.00} USD was accepted just to see all Of my accounts on closed status. This is highway robbery, and I would like this to be resolved with you as our arbitrator. 

As to sequence of events. 
A Payment ( XXXX ) made and I was asked for verification it was sent but not in the form they requested, all of my accounts were cancelled within less than XXXX the next day A Larger payment ( XXXX ) was accepted no issues When called to inquire I was lied to stating it was done at the consumer request. I would have no reason to cancel all of my accounts, theyve gone to the extent of expressing it is my voice on recorded line, again, false. As I have provided my call log from XXXX, and I never made a call on the date they are fabricating. 

Scope : XX/XX/XXXX payment XX/XX/XXXX follow up call XX/XX/XXXX account cancelled XX/XX/XXXX called to inquire regarding cancellation XX/XX/XXXX escalation team on the file XX/XX/XXXX escalation team called back stating they heard the call on the XX/XX/XXXX ( no called made phone records shows proof of no contact ) Please restore ALL OF MY ACCOUNTS! Amex has several write ups for doing this repeatedly to their loyal customers. This is thievery at its finest, and violations of plenty laws that can create a litigation matter. I have a business to run and this is impacting my credit scores, my business and my overall livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-05 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:
I have an account that paid off and I disputed it because it went into collections. I did all the necessary steps and didnt get any justice.Also I had XXXX late payment that was false from XXXX XXXX XXXX XXXX and service finance comp. I feel like someone didnt do there job and give XXXX a fair chance. And with that Im asking that these negatives be expunged 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am filing this formal dispute regarding an inaccurate item on my Equifax credit report that continues to negatively impact my credit. Despite my efforts to resolve this matter directly with Equifax and the reporting entity, the issue remains unresolved. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Account NumbeXX/XX/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 2025-02-05 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: NC

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
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 account listed without my expressed written consent.

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 2025-02-05 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing.I am aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently the Consumer financial protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes citing, sham investigations, and other unlawful practices these practices outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may have been mishandled in a similar manner. 
Please review the inaccurate information being reported.

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