vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NY

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 2025-01-09 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: PA

Complaint narrative:
XX/XX/2020 i never gave anyone consent to use my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 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: Westlake Services, LLC
State: OH

Complaint narrative:
Also my credit was exposed in a data breach and Im having trouble recovering it please help

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received XXXX {$150.00} American Express digital gift cards as XXXX gifts, so {$300.00} in total. These cards are essentially impossible to spend. I can not add them to my digital wallet or to paypal, XXXX will not accept them, and since they do not have my name on them or a billing address I haven't been able to shop online with them. I also can not use them in person, unless I were to have a cashier type out the entire card number but these cards have holds too so they usually decline. 

I was only able to list one card number in that section so here are both of them : - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is showing as a inquiry on my credit report. which someone tried to get a card in my name.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Informative Research
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX is showing as a inquiry on my credit report. which someone tried to get a card in my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My XXXX Macy 's account is showing XXXX late payments in XXXX and XX/XX/2024. I am a veteran with a service related XXXX  injury. I meet other XXXX veterans online and travel to their location to provide emotional support. During the periods when the late payments were reported, I was in an area affected by severe weather and or a natural disaster. This caused glitches in the app which resulted in the app showing that the payment was successfully submitted. I am asking for XXXX XXXX XXXX XXXX XXXX a good will rehabilitation of the late payments in light of the circumstances. I believe natural disasters are are framework for this kind of credit history remedy.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: OR

Complaint narrative:
I called Paramount Residential Mortgage Group in XX/XX/XXXX. I told them that we were having trouble making our monthly mortgage payments. They said they might be able to help me. A few days later, they emailed me with an offer. Don't make a payment for XXXX or XXXX Then, make payments on XXXX XXXX and XXXX. Make those XXXX payments and they will try to lower our monthly payments. Of course, I accepted the offer. No payment for XXXX or XXXX That would help us a lot. Then hopefully, after the XXXX payments, they'll lower the monthly payment. 
But then, a few days later, I received a call, telling me that my XXXX payment was past due. I said, no, I have a payment agreement. No payment for XXXX or XXXX. I then received call after call. For the next XXXX or XXXX days. I kept getting calls and messages, telling me that my payments were past due. 
They then notified the credit bureaus that we were past due. My wife had a XXXX XXXX XXXX credit score. I had a high XXXX XXXX. Both scores gone. This has had a huge negative effect on our lives. They made me this offer. And then, they penalized us for it. 
I've called them. Emailed them. Talked to them over and over. And all I can tell is, one person does not know what the other one is doing. 
They said they'd try to help. But no one has.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I had previously did a complaint on portfolio Recovery Associates and I requested information on validation of debt as well as cease and desist. This company has YET to provide this information. I uploaded a validation of debt letter which stated specifically what I requested to validate debt followed by cease and desist. This was on a previous cfpb complaint ( XXXX ). There response was very limited and have not received anything. I provided the previous complaint above. I am now requesting for the SECOND TIME validation of the debt. Below I will attach the first letter uploaded to the cfpb the original complaint followed by the second follow up letter im sending. I should have been received this information. They are reporting to my credit after doing a cease and desist which is a form of communication still. I have requested this information back in XXXX. this second attempt I will highlight everything I am requesting by law which I am able to. Provide each line item that I am requesting If you cant this needs to be removed, this is my second attempt validating debt which your company should have validated the first time I did my complaint not respond with a short response. I am requesting this information to have for my records. 
Below I attached the first validation of debt letter which nothing was mailed to me or anything validating just a response on cfpb still never sent what I asked violation one. Also uploading my second attempt to get the information I requested.. 
Also uploading their response from the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: OK

Complaint narrative:
I had a vehicle that was total, after talking to credit acceptance yes they did tell me to continue making my payment. After having to get XXXX vehicles I called and ask what could I do because I just had to get XXXX vehicle and I couldnt make the full payment. They told me they could set me up with XXXX $ payment a month until its was paid off. Not once they said after setting these payment up each month you will still have a remaining balance, I didnt know that. The way they made it sounded like XXXX $ a month and you were good until paid off. Until I got a XXXX late payment on my report. I called to see what was going on and they told me because I had a pass due balance after I thought XXXX $ a month and everything was good..today XXXX I just got off the phone with credit acceptance and she told me sorry for the confusion but the people that made the payment plan with me are not train for credit, I than told her so its my fault that I set up payment plans and they didnt tell me if I didnt pay the full payment it was be late after they told me I was good paying XXXX $ a month.. only thing is request is to get my late payment remove from my credit. I paid off the Vehicle now. I just want them late payment removed.. she said she did ask for their employee for more training on that part..

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 2025-01-09 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding ongoing issues with the accuracy of my credit reports and the investigation processes of all three major credit bureaus : XXXX, XXXX, and TransUnion. My complaint pertains to the following matters : My credit reports reflect debts that do not belong to me. These debts appear to have been added erroneously or fraudulently, and despite my efforts to dispute them, the bureaus have not resolved the matter appropriately. credit reports contain inaccuracies such as incorrect addresses and name variations. These errors create confusion and raise concerns about potential identity theft or data mishandling. suspect that some of the invalid debts and incorrect information may result from identity theft. I have taken steps to address this issue, including filing a report with the Federal Trade Commission ( FTC ), but the credit bureaus have not provided adequate resolution.My credit reports show random soft inquiries and other activity for which I have not provided consent. While soft inquiries may not affect my credit score, their presence without my authorization is troubling and warrants investigation. have submitted disputes to all three credit bureaus with supporting documentation, yet the responses have been inconsistent, and in some cases, the issues remain 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 non-monetary relief
Consumer complaint received 2025-01-09 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:
I am writing to file a formal complaint regarding ongoing issues with the accuracy of my credit reports and the investigation processes of all three major credit bureaus : Equifax, XXXX, and XXXX. My complaint pertains to the following matters : My credit reports reflect debts that do not belong to me. These debts appear to have been added erroneously or fraudulently, and despite my efforts to dispute them, the bureaus have not resolved the matter appropriately. credit reports contain inaccuracies such as incorrect addresses and name variations. These errors create confusion and raise concerns about potential identity theft or data mishandling. suspect that some of the invalid debts and incorrect information may result from identity theft. I have taken steps to address this issue, including filing a report with the Federal Trade Commission ( FTC ), but the credit bureaus have not provided adequate resolution.My credit reports show random soft inquiries and other activity for which I have not provided consent. While soft inquiries may not affect my credit score, their presence without my authorization is troubling and warrants investigation. have submitted disputes to all three credit bureaus with supporting documentation, yet the responses have been inconsistent, and in some cases, the issues remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex Gift Card ending in XXXX and activated the card via amexgiftcard.comXXXX. The card originally had {$250.00} to it. I have tried to add the card on XXXX as form of payment and it got declined. I have tried to buy a tool on XXXX XXXX with the card and it got declined. I have even tried to purchase a XXXX XXXX gift card with the intent of buying a tool on XXXX XXXX, and this was also declined. Amex was unable to assist to fix this issue and has suggested me to shop at a different vendor Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief