vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
The accout with XXXX that is reporting on my credit report negativitly is not my debt in any way. The account is associated with a aka name on my credit report which has been disputed.This is a violation of accurate credit reporting per US Code 1692 and my righrs since the account isn'teven mine. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given as per FDCPA regulations and remove this account from all three credit reporting agencies immediately cease and desist all collections and I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 2025-03-09 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: OH

Complaint narrative:
The accout with XXXX that is reporting on my credit report negativitly is not my debt in any way. The account is associated with a aka name on my credit report which has been disputed.This is a violation of accurate credit reporting per US Code 1692 and my righrs since the account isn'teven mine. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given as per FDCPA regulations and remove this account from all three credit reporting agencies immediately cease and desist all collections and I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
The accout with XXXX that is reporting on my credit report negativitly is not my debt in any way. The account is associated with a aka name on my credit report which has been XXXX is a violation of accurate credit reporting per XXXX XXXX XXXX and my righrs since the account isn'teven mine. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given as per FDCPA regulations and remove this account from all three credit reporting agencies immediately cease and desist all collections and I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint against American Car Center regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> According to UCC 9-616, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : 1. The amount for which the collateral was sold. 2. An explanation of how the deficiency balance was calculated. 3. A statement of any surplus or remaining balance owed. I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency. Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful. In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection. State-specific repossession laws which may require additional notices or procedures that were not followed. Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. I respectfully request that XXXX XXXX XXXX take the following actions immediately : 1. Cease all collection efforts related to the alleged deficiency balance. 2. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 3. Provide a written explanation of the actions taken in response to this complaint. 4. Compensate for any damages resulting from this unlawful repossession and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiry on Credit Report Dear XXXX XXXX XXXX am writing to formally dispute a hard inquiry that has been listed on my credit report. I have reviewed my credit report and noticed the inquiry from the companies listed below. I do not recall authorizing this inquiry and would like to request that it be investigated.

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. I do not recall applying for credit with these companies, and I believe these inquiry may have been made in error or without my consent.

Please investigate this matter and remove the inquiry from my credit report if it is found to be unauthorized. I would appreciate written confirmation of the results of your investigation.

Thank you for your attention to this matter. Please inform me of any further information you require in order to proceed with this dispute. 

Hard Inquires that need to be taken off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-09 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Formal Dispute Regarding Inaccurate information on My Credit Report Dear Experian I am writing to formally dispute inaccurate information on my credit report that I belive is harming my finacial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigating into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau field a lawsuit against Experian for its failure to properly investigate consumer, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include :

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 2025-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Misleading capital one as usual advertise this credit card to have XXXX XXXX XXXX XXXX XXXXhe XXXX  card and incompetent custoner service XXXX XXXX says is doesnt have the benefit of XXXX requesting for misleading capital one to XXXX the benefit due to their confusing tactics and misleading tactics as the attachment clearly indicates the benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American First Finance, Inc.
State: NC

Complaint narrative:
Reached out via mail XX/XX/XXXX call the company XX/XX/XXXX for update. Was told to fill out identity theft form from there website and submit my police report. Sent all documents via email, and postal service. Got email that the account was verified as mines the very next day. Ask to show me proof that it was me that open the account. Haven't heard back from them regarding proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report ( Identity Theft ) Dear Credit Bureau Dispute Department, I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate. These inquiries were made without my consent and are a direct result of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 604, hard inquiries require my explicit authorization. Since I never gave permission for these inquiries, I am formally requesting their immediate removal from my credit report. 

Unauthorized Hard Inquiries ( To Be Removed ) The following inquiries are fraudulent and should be deleted from my credit file : Creditor Name. Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations & My Rights FCRA 604 A hard inquiry requires my explicit authorization. 
FCRA 609 I have the right to request verification of my signed authorization. 
FCRA 611 I have the right to dispute and remove inaccurate or unauthorized credit report information. 

Since I never applied for credit with these companies, I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit file. 
2. Written confirmation that these inquiries have been removed. 
3. A copy of the documentation proving that I authorized these inquiries. If no proof is available, the inquiries must be deleted. 

If the credit bureau fails to investigate and remove these unauthorized inquiries, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with FCRA regulations. 

Supporting Documentation Included : 1. FTC Identity Theft Report ( Report Number : XXXX ) 2. Proof of identity ( Drivers License, Social Security Card, and Proof of Address )

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 2025-03-09 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: FL

Complaint narrative:
DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Reporting [ Account Number : XXXX ] To whom it may concern I am writing to formally dispute inaccurate and misleading information on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX Account XXXX XXXX XXXX  ], which appears on my credit report with inconsistent and inaccurate information across all three credit bureaus. 
Disputed Items and Inaccuracies Inconsistent Payment Status : TransUnion & Experian report the account as " Late 60 Days '', while Equifax reports a different last reported date and status. 
The account is closed/paid with a {$0.00} balance, so a Late 60 Days status is incorrect and damaging. 

Incorrect Last Payment Date : My records indicate my last payment was on [ correct date ], but Equifax reports [ wrong date ].

Under FCRA 1681e ( b ), credit bureaus must ensure maximum accuracy. 

Possible Re-Aging of Negative Marks : The account was closed and settled, yet the negative mark appears beyond the allowable reporting period.

Under FCRA 1681c, outdated information can not be reported beyond 7 years. 

Legal Violations These inaccuracies violate multiple provisions of the FCRA and FDCPA, including but not limited to : FCRA 1681e ( b ) Failure to maintain accurate reporting FCRA 1681i Failure to investigate disputes FCRA 1681s-2 ( a ) Furnishers must report accurate data FDCPA 1692e False or misleading credit reporting Requested Resolution Immediately investigate and correct the inaccuracies regarding this account across all three credit bureaus.

Provide written confirmation of the corrections within 30 days as required by FCRA 1681i. 
If the furnisher XXXX XXXX  ) can not verify the disputed information, the inaccurate data must be deleted per FCRA guidelines. 

I have attached supporting documents ( payment records, statements, etc. ) to substantiate my claims. Please consider this a formal request for reinvestigation under the FCRA. If these errors are not corrected within 30 days, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedies if necessary. 

I look forward to your prompt response confirming the necessary corrections. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Reporting [ Account Number : XXXX ] To whom it may concern I am writing to formally dispute inaccurate and misleading information on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX Account XXXX XXXX XXXX  ], which appears on my credit report with inconsistent and inaccurate information across all three credit bureaus. 
Disputed Items and Inaccuracies Inconsistent Payment Status : TransUnion & Experian report the account as " Late 60 Days '', while Equifax reports a different last reported date and status. 
The account is closed/paid with a {$0.00} balance, so a Late 60 Days status is incorrect and damaging. 

Incorrect Last Payment Date : My records indicate my last payment was on [ correct date ], but Equifax reports [ wrong date ].

Under FCRA 1681e ( b ), credit bureaus must ensure maximum accuracy. 

Possible Re-Aging of Negative Marks : The account was closed and settled, yet the negative mark appears beyond the allowable reporting period.

Under FCRA 1681c, outdated information can not be reported beyond 7 years. 

Legal Violations These inaccuracies violate multiple provisions of the FCRA and FDCPA, including but not limited to : FCRA 1681e ( b ) Failure to maintain accurate reporting FCRA 1681i Failure to investigate disputes FCRA 1681s-2 ( a ) Furnishers must report accurate data FDCPA 1692e False or misleading credit reporting Requested Resolution Immediately investigate and correct the inaccuracies regarding this account across all three credit bureaus.

Provide written confirmation of the corrections within 30 days as required by FCRA 1681i. 
If the furnisher XXXX XXXX  ) can not verify the disputed information, the inaccurate data must be deleted per FCRA guidelines. 

I have attached supporting documents ( payment records, statements, etc. ) to substantiate my claims. Please consider this a formal request for reinvestigation under the FCRA. If these errors are not corrected within 30 days, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedies if necessary. 

I look forward to your prompt response confirming the necessary corrections. Please send all correspondence to my address listed above. 

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 non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-09 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> CONSUMERS CREDIT UNION XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> CONSUMERS CREDIT UNION XX/XX/year>

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 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was planning to book flight tickets for my family to XXXX from the United States. While considering credit card options, I looked into the Chase Sapphire card due to a promotion I had read about. I carefully reviewed the terms and conditions to ensure I could qualify for the bonus. One of the requirements was to book travel through the Chase XXXX portal, with the total payment exceeding {$4000.00}. However, when I checked the Chase XXXX website, I noticed that XXXX was not listed as a bookable destination. I suspected this might be due to economic sanctions on XXXX. 

To clarify, I contacted Chase credit card support, and they transferred me to Chase XXXX. The agent confirmed that XXXX was not visible in their online system but mentioned the existence of a " manual '' system where XXXX was listed. She explained that I could book flights to XXXX through this manual system by calling them directly after being approved for the Chase Sapphire card. She also helped me compare prices between their manual system and the airline 's website to ensure they were similar. Based on this information, I applied for the card and even requested expedited shipping to avoid potential price increases for the flights. 

However, when I called back after receiving the card, I was told that XXXX is considered a blacklisted country, and they can not book flights to XXXX, even through the manual system. I spoke with several managers at Chase, explaining the situation and expressing my frustration. I felt misled, as the initial information provided had encouraged me to apply for the card, but now I was unable to use the advertised promotion. I even proposed an alternative solution : if they couldnt book the ticket through their system due to their own restrictions, I suggested they honor the bonus if I purchased the ticket directly from the airlines website. Unfortunately, they did not accept this proposal or provide a satisfactory resolution. 

To make matters worse, I was already charged the {$95.00} annual fee for the card, despite being unable to access the promotion that had influenced my decision to apply. This experience left me feeling misinformed, misled, and unfairly treated by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX Lockhart , Morris & Mont Subject : Request for Removal of Collection Account Dear Lockhart, Morris & Mont, I am writing to formally request the removal of the collection account listed under my name. Below are the details of the account in question : Account Number : [ XXXX ] Amount Owed : [ {$530.00} ] I believe the account has been reported inaccurately or that there has been an error. 

I kindly ask that you review the information associated with this account and remove it from my credit report. Please send me written confirmation that this account has been removed and updated with the credit bureaus. 
Remove immediately Per FRCA section 605B Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation