vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX, I submitted an application for a rental property and paid the application fee of {$50.00}. I have email correspondence that proves the application was submitted correctly, which can not be done without payment. I have proof as well that my roommate at the time also paid in full {$50.00}. The rental company contacted me multiple times by email about renting the property, but never attempted to contact me after I did not rent there regarding any unpaid debts. In XXXX of XXXX, they submitted to a collection agency and it began harming my credit. Again, no correspondence at all, and I had already setup my mail to forward to my new address with the post office. The rental company and the collection agency had my email, phone, and address, all of which were required by the application. The " debt '' of {$50.00} has been harming my credit for almost 4 years without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
When I had viewed my credit report there were hard inquiries that were not mine.

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 2024-11-25 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/24 Subject : Dispute Regarding Inaccurate Debt Reporting Violating FCRA Dear CFPB, I am writing to formally dispute an issue regarding the inaccurate reporting of a debt on my credit report, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 



Account Information : - Creditor Name : XXXX XXXX Account Number : XXXX - Amount : {$270.00} I have discovered that this debt is still reported on my credit report by XXXX, even though it has been sold to another debt collector. Under 15 U.S.C. 1681s-2 of the FCRA, once a debt is sold, the original creditor is required to update the reporting to accurately reflect that the debt is no longer owed to them. Reporting this debt as still outstanding under XXXX XXXX name is misleading and inaccurate. 



This misreporting has had a negative impact on my credit score and has affected my ability to obtain credit. I have attached copies of my credit report highlighting the disputed entry, along with any correspondence I have received regarding this debt. 



I request that the CFPB investigate this matter and take appropriate action to rectify this violation of the FCRA. Additionally, I would appreciate any guidance on how to further resolve this issue with the relevant credit reporting agencies and creditors. 



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



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, a delinquent credit card from Bank of America ( BoA ) appeared on my XXXX report. 
The account had been opened in XXXX in California, where Ive never lived, or even visited at that time. 
The account had been current until then based on the history shown in the report. 
I had 3 BoA credit cards which I paid off and closed in XXXX. 
I called the bank and they couldnt find the account under my name, social security number, etc. 
BoA then sent me a letter saying that the information they provided to credit agencies was correct, and that it appears that one or more agencies may have combined my file with a file of someone with a similar name, and that I needed to contact the agencies directly so they could update their records. 
So, according to BoA, the issue is with XXXX ( only credit agency where the account is shown ), but XXXX refuses to fix it. 
From XXXX : Account : XXXX Balance {$21000.00} Limit {$24000.00} Opened XX/XX/XXXX Date reported XX/XX/XXXX Date of first delinquency XX/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 2024-11-25 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-11-25 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: NY

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
Well I opened a cash app account which I wanted I tried getting one as soon as I turned XXXX but had to wait until I got a id I got one and I opened my cash app account verified myself and everything then out of nowhere they wanted me to do more verification I tried linking my bank account but it wasn't working so I uploaded what they asked for then all of a sudden they are closing my account saying gambling goes against there service terms but they couldn't prove anything to me because I don't gamble at all I think it is a XXXX thing to waste ur money to hope u win more makes no sense to me now I had a business account and a personal account linked together because I walk some of my neighbors dogs they said I should separate the money I get from walking dogs and money I get from my family anyways I had my virtual XXXX XXXX linked to my personal account and my physical card linked to my business account see the virtual cards are no longer available when u make a new card the old one is gone completely period and cash app refuses to let me link a new card to my personal account they say I can only link one I had linked before but the cards literally don't exist any more and I asked them to put my money on my business account so I could withdraw my money they won't do that they won't let me link another card and they are refusing to give me my money now I'm XXXX XXXX XXXX I'm going to be all alone for XXXX because I don't have my money and don't have has to get to my family all because they refuse to give me my money all they keep saying is link a card or bank I have successfully linked it won't let me link a bank period and the cards that were on my personal account are gone and literally impossible to link a card that doesn't exist anymore and I think it's absurd that my personal and business account are linked same number and email on them but I can't put my money on my card that is one my account already the business account but they are linked together

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit Solutions is contacting me about a medical debt that I did not incur since I'm not a patient of XXXX XXXX XXXX XXXX. The debt is for my daughter who is an adult over the age of XXXX and I'm not responsible for her medical expenses. Holloway Credit Solutions made no attempt to verify that the debt is mine and assumed that incorrect information from XXXX XXXX XXXX XXXX was accurate. Also, my daughter has paid XXXX XXXX XXXX XXXX for the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. As a victim of a data breach, I did not authorize this account, and it does not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly. 
Fraudulent Account XXXX XXXX  - XXXX - XX/XX/year> - $ 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 non-monetary relief
Consumer complaint received 2024-11-25 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-25 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:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ND

Complaint narrative:
I leased a Nissan through Nissan Motor Acceptance Company LLC. I did a paid up 18-month lease and made all payments up front, over $ XXXX. At end of lease, I returned the vehicle with far less miles than I was allowed and in good condition. Later on XX/XX/year> I received a bill for {$410.00} explaining it was a lease disposition fee and I was being collected upon. 

When I leased this, I asked for an upfront amount for all charges and paid that and was not disclosed this crazy unfair end of lease fee. I believe this fee is just a way this company is gouging the customer with an unfair fee. Now they are threatening to turn this to collection, and this would certainly ruin my credit score which I am very concerned about but being held hostage with, on something I don't believe I owe. 

I called concerned and was told nothing they could do, could waive if I bought a new one, now there is another leveraged solution, OMG! 

I asked for their regulatory agency, and they then agreed to waive {$200.00}. I stated I wasn't going to pay anything as I don't believe I owe, and this is unfair practice. After insisting on who their regulatory agency was so I could file a complaint, they gave me CFPB and again stated they could waive {$200.00}. I don't believe in paying anything that would be admitting I owe which I don't believe I do. 

I believe this to be unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for the Capital One Spark Classic Business Card which is a card for building business credit I was pre approved for the card on that day and completed the application attached to the promo after completing the application with my and my businesses information I was approved for a line of {$2000.00} with an APR of 29.99 % and no Annual fee I was provided with having to upload verification information about me and my business I uploaded the request SSC, Drivers License, and for my business the IRS provided EIN, Quarter Earning statement, and Tax Exempt Certificate for the state of my business which connects the business to me. After submitted in the portal on XX/XX/XXXX I receive adverse action letter saying I can't be approved due to not being able to be verified or being incomplete. Everything was completed and extra documents than necessary were provided. 

I feel this is a very generic reason to be denied lacking specifics and that it is subjective to be discriminatory in nature against my business which is an XXXX affiliated company. I ask for your help in adversing the denial since the proper documents were provided in a timely manner. The resolution I seek is to overturn the denial and grant the credit line open with the minimum {$2000.00} as per the terms I agreed to. Application ID XXXX I also have accounts with capital one on the personal side and have a history of timely payments. In my complaint I attached all my business documents for review on request I would gladly provided personal identity documents if needed by CFPB to substantiate my claim and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Child support, and three credit cards. I have asked for the letter from my XXXX  XXXX Trustee that approved this debt. XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: SC

Complaint narrative:
I, XXXX XXXX, filed a formal dispute to address several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that directly impacted my credit report. Specifically, I found that my personal information and financial data were mishandled and inaccurately reported. 

Heres what happened : Willful Noncompliance : Under FCRA Section 616, credit information about me was accepted and reported without proper verification of its accuracy.

Deceptive Disclosure Practices : My rights under FCRA Section 603 ( d ) ( 2 ) ( A ) were violated when I wasnt informed about my ability to opt out of having my personal information shared.

Inaccurate Debt Reporting : Various inaccurate inquiries and accounts were reported on my credit file without proper validation. This included violations of Section 623 ( a ) ( 3 ) of the FCRA, which prohibits furnishing deceptive information. 
Harassment and Unfair Practices : Debt collectors engaged in unlawful behavior, reporting false debts and accounts without my consent. This caused unnecessary stress and unwarranted creditor contact, violating the FDCPA.

Third-Party Disclosure : My debt information was improperly disclosed to third parties, breaching regulations regarding the protection of my location information.

Undefined Late Payments : The credit report listed late payments without defining what constituted late, which is misleading and inaccurate.

Finance Charge Miscalculation : Finance charges were incorrectly determined, showing negligence in the reporting process.

Lack of Authorization : Information was added to my credit report without my consent, in violation of FCRA permissible purposes requirements.

In response, I demanded immediate corrections, including the deletion of incorrect personal information and the removal of unauthorized accounts. I specifically requested debt validation under 15 U.S. Code 1692g, as required by law, and provided examples of case law to support my position.

I am expecting a prompt and thorough resolution. Should these violations remain unresolved, I am prepared to pursue legal action to ensure my rights under the FCRA and FDCPA are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CT

Complaint narrative:
I recently reviewed my credit report and identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Disputed Accounts : There are multiple accounts, such as those from DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, that I do not recognize or believe are being inaccurately reported. According to FCRA Section 623 ( 15 U.S.C. 1681s-2 ), creditors must cease reporting disputed information unless they can verify its accuracy. I have demanded that these accounts be reinvestigated and removed if proof can not be provided. 

Potential Identity Theft : Some accounts, like those from XXXX XXXX and XXXX XXXX XXXX, appear to be fraudulent. Under 15 U.S.C. 1681c-2, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving documentation. Despite my request, these accounts remain on my report, which is a clear violation of the law. 

Failure to Reinvestigate : The FCRA, specifically 15 U.S.C. 1681i ( a ), requires that credit reporting agencies reinvestigate disputed items and remove unverifiable information within 30 days. These errors persist, and I have not received satisfactory validation or resolution. 

Deceptive Practices : Some accounts, such as those reported by XXXX XXXX and XXXX XXXX XXXX, involve potential violations of FDCPA Section 807 ( 15 U.S.C. 1692e ) for misleading representations about debts. 

These inaccuracies are damaging to my credit and my financial reputation. I am demanding that these errors be thoroughly investigated, unverifiable information removed, and my credit report updated. Additionally, I request notifications of corrections be sent to anyone who accessed my credit report in the past six months, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief