vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX for actions that I believe violate my rights under federal law, specifically 15 U.S.C. 1635 ( Right of Rescission ) and 15 U.S.C. 1662 ( False Advertising in Consumer Credit Transactions ). My primary concern is ensuring that I retain possession of my vehicle while these issues are investigated and resolved. 

Details of Complaint 1. Violation of 15 U.S.C. 1635 Right of Rescission XXXX failed to provide accurate and complete disclosures regarding the financing terms of my vehicle purchase. This omission deprived me of my legal right to evaluate the transaction and potentially rescind it under the Truth in Lending Act ( TILA ). 
2. Violation of 15 U.S.C. 1662 False Advertising XXXX advertised financing terms and warranties that were misleading and did not reflect the actual terms I received. Specifically, they claimed [ insert specific claim, e.g., low-interest financing or comprehensive warranty ], but the agreement I signed included [ describe differences, e.g., higher interest rates, fewer protections, etc. ]. 

Key Issues XXXX misrepresented the financing and warranty terms in their advertising. 
The company failed to meet the disclosure requirements mandated by TILA, impacting my ability to make an informed decision. 
Despite these violations, I rely on the vehicle for essential needs, and retaining it is critical for my livelihood. 

Requested Actions I respectfully request the CFPB to : 1. Investigate XXXX actions to determine if they violated 15 U.S.C. 1635 and 15 U.S.C. 1662. 
2. Ensure that I retain possession of my vehicle during this investigation and resolution process. 
3. Require XXXX to comply with federal consumer protection laws by providing accurate disclosures and correcting any deceptive advertising practices. 
4. Allow for a fair resolution of the financing terms to align with what was initially represented. 

Supporting Documentation I have attached the following for your review : A copy of the credit agreement and related disclosures. 
Copies of XXXX advertisements and promotional materials. 
Correspondence with XXXX regarding the transaction. 
Any other relevant documentation. 

Impact and Resolution XXXX lack of transparency and misleading practices have caused me financial harm and significant distress. However, the vehicle is critical to my daily life, and I request assurance that I can retain possession of it throughout this process. I trust the CFPB to take appropriate measures to address these violations and secure a fair outcome. 

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

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I made many submissions to experian to remove medicals debts that are not supposed to be listed on my credit/consumer report. I could never get them to proceed in removing those items. It caused me a great deal of pain financially.

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 2025-01-08 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: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ EQUIFAX Credit Bureau ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Account Name : XXXX XXXX XXXX account number XXXX. 
Account Name : XXXX XXXX account number XXXX Disputed Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ XXXX XXXX XXXXXXXX ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ EQUIFAX Credit Bureau ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Account Name : XXXX  XXXX XXXX account number XXXX. 
Account Name : XXXX XXXX account number XXXX Disputed Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ XXXX XXXX XXXXXXXX ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I had turned off and canceled my account with XXXX switching to XXXX and they had never canceled my third line on the account and left it running, as the third line had never even been used or texted from in that entire time While unbeknownst to me acrueing over XXXX dollar phone bill with no contact to me whatsoever. Once I saw that it hit my credit account after being turned to collections I contacted XXXX and the representative on the phone even said I had canceled the phone line though she couldn't tell me anymore after that. Now I'm being repeatedly called about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

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 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 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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 5 fraudulent Inquiries from my Transunion and XXXX credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the listed inquiries do not belong to me and must be removed from my transunion and XXXX  credit report. i had a call with all companies and credit reporting agency and was adviced to fill identity theft for deletion i am requesting transunion and XXXX to mark listed inquiries as fraudulent and remove them 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 non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding Equifax 's unfair and unlawful practices, specifically related to violations of 15 U.S. Code 6802 ( b ). The continued mishandling of my personal information has caused significant emotional, financial, and other harm to me and my family. Equifax has failed to address my concerns adequately despite a prior complaint.

1. Failure to Comply with Opt-Out Requirements : Equifax has unlawfully disclosed my personal information to unaffiliated third parties without meeting the federal disclosure requirements established under 15 U.S. Code 6802. This law obligates financial institutions to provide consumers with clear disclosures and an opportunity to opt-out before sharing their personal information. Despite these obligations, Equifax has neglected to provide me with proper disclosures or a meaningful opportunity to opt-out, leading to the unauthorized sharing of my information and the persistence of inaccurate data on my consumer report.

2. Significant Emotional, Financial, and Other Harm : This noncompliance has resulted in severe emotional, financial, and personal distress for my family and me. The presence of unauthorized and inaccurate accounts on my consumer report has hindered my ability to manage my finances effectively, secure opportunities, and maintain peace of mind. This ongoing harm directly results from Equifax 's failure to uphold its legal and ethical responsibilities.

3. Inadequate Response to My Complaint : On XX/XX/year>. I mailed a formal complaint to Equifax via certified mail, requesting that they address these violations. However, more than 30 days have passed, and no corrective actions have been taken. Unauthorized accounts remain on my consumer report, and Equifax has not provided any resolution. I demand the immediate deletion of all unauthorized noted accounts on my consumer report and request that Equifax block the involved companies from making future updates to my report to prevent further harm.

Equifax 's actions violate my consumer rights and demonstrate a disregard for federal laws designed to protect individuals from unauthorized disclosures and inaccuracies in consumer reporting. I request that the CFPB investigate this matter thoroughly and hold Equifax accountable for its unlawful practices. Should Equifax fail to resolve these issues, I am prepared to explore all available legal remedies to protect my rights.

Thank you for your attention to this matter. Please let me know if you require any additional documentation or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Save is pulling a bait and switch. They promise significant returns on investments but do not deliver. Then they penalize you if you want to withdraw your funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I asked for information & proof of me signing a contract and they couldnt provide any proof of that. 

LVNV FUNDING LLC ACC # XXXX I never had a contract this was aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It I am filing this complaint against Capital One regarding the closure of my account and the withholding of my funds without adequate justification or communication. 

On XX/XX/year>, I initiated a wire transfer to my brother for legitimate personal purposes. Shortly afterward, Capital One abruptly closed my account, citing this transaction as the reason. Despite my repeated attempts to resolve the issue and retrieve my funds, Capital One has failed to provide a clear explanation or release the remaining balance in my account. 

This situation has caused me significant inconvenience and financial distress. I believe Capital Ones actions are unjustified and potentially in violation of consumer protection laws. I kindly request the Consumer Financial Protection Bureaus assistance to : 1. Obtain a clear and detailed explanation for the account closure.

2. Ensure the immediate release of the full balance of my funds.

3. Promote better transparency and communication from Capital One in similar cases. 

I have attached all relevant documents, including account statements, proof of the wire transfer, and any correspondence with Capital One, to support my case. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Self Financial Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
SELF/SSTATBK XXXX Balance {$0.00} SELF/SSTATBK XXXX Balance {$240.00} XXXX XXXX XXXX Balance {$2100.00} SELF/SOUTHSTATE BANK XXXX Balance {$0.00} SELF/SOUTHSTATE BANK XXXX Balance {$240.00} XXXX  XXXX XXXX Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: LA

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 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 2025-01-08 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: CT

Complaint narrative:
I asked for information & proof of me signing a contract and they couldnt provide any proof of that. 

XXXX XXXX XXXX XXXX # XXXX I never had a contract this was aggravated identity theft.

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 2025-01-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I asked for information & proof of me signing a contract and they couldnt provide any proof of that. 

XXXX XXXX XXXX XXXX # XXXX I never had a contract this was aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I asked for information & proof of me signing a contract and they couldnt provide any proof of that. 

XXXX XXXX XXXX XXXX # XXXX I never had a contract this was aggravated identity theft.

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