vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX Re : Request for Account Information Account Number : XXXX To Whom It May Concern, I am writing to formally request specific information regarding the above-referenced auto loan account, which was opened on XX/XX/XXXX, and is now listed as closed. 

To ensure that my personal financial records are accurate and complete, I kindly request the following details for the account : Date of first delinquency ( the date the account first became delinquent leading to charge-off ) Date of last payment Date of charge-off This information is critical for my personal records and any future credit reporting review or dispute process. 

Please provide the requested details in writing at your earliest convenience. You may respond via mail to the address listed above or electronically to my email address. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist request Under the FDCPA ( Account XXXX ) Dear LVNV Funding Representative, I am writing to formally request that you cease and desist all contact with me regarding the alleged debt referenced in your communications to me. This request is made under my rights as granted by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ( c ) ).

I do not wish to be contacted further by your agency or any affiliated parties regarding this matter through phone, mail, email, or any form of communication. If you believe this debt is valid and you intend to pursue legal action, you may do so, but you are no longer authorized to contact me directly. 
Please note that any further contact from your agency after receipt of this letter- except as permitted by law- will be considered a violation of federal law and may be reported to the Federal Trade Commission and Consumer Financial Protection Bureau XXXX 
Keep this on file to avoid unnecessary escalation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX as I was reviewing my credit report I notice two fraudulent accounts. 
The first account is a collection account from credit coll which is a FRAUD. As well as XXXX XXXX I have no knowledge of these accounts I have never applied for this account this account must be deleted from my credit report per the FCRA SECTION 602 THAT STATES THE RIGHT TO PRIVACY, AS WELL AS SECTION 604 STATIN FCRG THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTONS, AS WELL AS SECTION 607 COMPLIANCE PROCEDURES ACCURACY OF REPORT. Please delete these accounts.

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 2025-06-27 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: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX as I was reviewing my credit report I notice two fraudulent accounts. 
The first account is a collection account from credit coll which is a FRAUD. As well as XXXX XXXX I have no knowledge of these accounts I have never applied for this account this account must be deleted from my credit report per the FCRA SECTION 602 THAT STATES THE RIGHT TO PRIVACY, AS WELL AS SECTION 604 STATIN FCRG THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTONS, AS WELL AS SECTION 607 COMPLIANCE PROCEDURES ACCURACY OF REPORT. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit scoreXXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, the mortgage company conducted a property evaluation in response to my request to remove private mortgage insurance ( PMI ). I believe the evaluation was inaccurate and did not reflect the extensive repairs and upgrades that have been made to the property since purchase. 

In XX/XX/XXXX, I submitted a formal appeal to the company, including detailed documentation of all improvements. Despite this, I have not received a clear or updated response. Instead, I have received the same generic letter twice, without any explanation or progress regarding my request. 

I have attempted to follow up multiple times by phone, but no one has been able to provide meaningful updates. This prolonged delay and lack of transparency are impacting my finances and appear to be an unfair servicing practice. 

I am requesting assistance in obtaining a proper review and response from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-27 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: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX as I was reviewing my credit report I notice two fraudulent accounts. 
The first account is a collection account from credit coll which is a FRAUD. As well as XXXX XXXX I have no knowledge of these accounts I have never applied for this account this account must be deleted from my credit report per the FCRA SECTION 602 THAT STATES THE RIGHT TO PRIVACY, AS WELL AS SECTION 604 STATIN FCRG THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTONS, AS WELL AS SECTION 607 COMPLIANCE PROCEDURES ACCURACY OF REPORT. Please delete these accounts.

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 2025-06-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the debt that you are attempting to collect, as referenced above, in the amount of {$120.00}. This debt does not belong to me, and I believe it has been reported incorrectly on my credit file. I am requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 of USC, and remove this entry from my credit report. 
I also request that you cease any further collection activities related to this disputed debt while it is under investigation. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-06-27 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that has been reported to you in the amount of {$140.00}, which I believe is incorrect and does not belong to me. The account referenced above appears to be a case of mistaken identity, and I am requesting a full investigation under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 611 of Title 15 of the United States Code ( USC ), which protects consumers from inaccurate credit reporting and defamatory credit entries. 

I assert that I do not owe the alleged debt, and I have no knowledge of any transactions associated with this account. I believe this collection may be a result of an error or mix-up involving my personal information. Therefore, I am requesting that Caine & Weiner immediately Remove this inaccurate account reporting to my credit file. In addition, please be advised that you are required by law to cease any further collection activities related to this account until this dispute is resolved.

Company response to consumer: Closed with explanation