vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  XXXX  Account # : XXXX Account Name : XXXX/XXXX  Account # : XXXX Account Name : XXXX/XXXX  XXXX  Account # : XXXX Account Name : XXXX/XXXX  Account # : XXXX Account Name : XXXX  XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name : XXXX XXXX  Account # : XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

I looked at my Transunion report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 shall : ( i ) promptly delete the 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. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-01-04 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this formal complaint against American Express ( " AMEX '' ) and XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCCPA ) pertaining to the inaccurate reporting of four AMEX accounts on my XXXX credit report. These inaccuracies have caused significant harm to my creditworthiness, financial stability, and emotional well-being.

Upon reviewing my Experian credit report dated [ Insert Date ], I identified the following violations across four AMEX accounts : AMEX Account 1 FCRA Violations : Section 607 ( b ) : Inaccurate reporting of the Date of First Delinquency and balance details.

Section 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after disputes were submitted.

Section 605 ( a ) : Retention and reporting of obsolete charge-off information beyond permissible timeframes.

Section 611 ( d ) : Failure to include a dispute notation in subsequent credit reports.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the character, amount, or legal status of the debt.

Section 808 : Unfair practices by reporting misleading charge-off details.

AMEX Account 2 FCRA Violations : Section 607 ( b ) : Reporting inaccurate payment history and delinquency timelines.

Section 611 ( a ) ( 5 ) ( B ) : Reinsertion of deleted information without proper certification.

Section 611 ( d ) : Failure to indicate the disputed status of the account.

Section 605 ( a ) : Reporting unverifiable or outdated data.

FDCCPA Violations : Section 807 ( 5 ) : Misrepresentation of the delinquency status.

Section 807 ( 8 ) : Communicating false credit information to third parties.

AMEX Account 3 FCRA Violations : Section 607 ( b ) : Failing to maintain accuracy in reported charge-offs and payment history.

Section 611 ( a ) ( 1 ) : Ignoring or inadequately investigating disputes.

Section 611 ( a ) ( 5 ) ( B ) : Reinserting deleted information without verifying its accuracy.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the legal status of the debt.

Section 808 : Employing unconscionable practices, such as retaining incorrect balances.

AMEX Account 4 FCRA Violations : Section 607 ( b ) : Reporting inaccurate details related to charge-offs, payments, or balances.

Section 605 ( a ) : Failing to remove outdated or obsolete information.

Section 611 ( d ) : Omitting the dispute status after being notified.

Section 611 ( a ) ( 1 ) : Failing to perform a reasonable investigation.

FDCCPA Violations : Section 807 ( 10 ) : Using deceptive practices to collect alleged debt.

Section 808 : Reporting false information to exert pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
XXXX credit card company has been charging XXXX maintenance fee on closed accounts which is against the law & deceptive bussiness practices and if there doing this too me there doing this too all accounts which is against the law & fraud the only thing there entitled too is interest I did my research I want these crooks investigated for deceptive bussiness practices or next step is too get a lawyer who will investigate every customer they been doing this too .I have done my research & homework and can even XXXX  maintenance fees on closed accounts is illegal and this is pure greed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
has come to my attention that you have included information in my credit report without obtaining my written consent to furnish or obtain my credit information as required under 15 USC 1681. I request that you provide documentation evidencing that you have obtained such written consent from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
has come to my attention that you have included information in my credit report without obtaining my written consent to furnish or obtain my credit information as required under 15 USC 1681. I request that you provide documentation evidencing that you have obtained such written consent from me.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Corporation are in Default non compliance to requested information Non compliance to opportunity to cure non compliance to correct errors and multiple FCRA policies and US UCC Codes

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 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Subject : Request for Information Regarding Account - Ref via CFPB complaint Dear Finance Department, etc. Al I am writing to formally request verification of the charge-off status and the issuance of Form 1099-C for the account linked to the reference number provided above. 

This request is made in accordance with IRS guidelines and regulations. I kindly ask you to provide me with the following information : XXXX. Confirmation of the charge-off status for the account. 
XXXX. Details concerning the amount of the charge-off. 
XXXX. The date on which the charge-off was officially recorded. 

Additionally, I would like to request a copy of Form XXXX for this account. 

If the company is unable to supply these documents, I expect the reported information to be deleted from the credit bureaus within 14 days. Otherwise, I will take legal action for remedy afforded to me by law and a full forensic accounting including gathering XXXX/ XXXX  XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In regards to the XX/XX/XXXX transaction from the Merchant : XXXX XXXX XXXX in the Amount : {$2400.00}, I attest that neither I nor anyone authorized by me has signed for or received the package. As of XX/XX/XXXX, I still have not received the package. I have searched in and around my house for the item. I still to this day have not retrieved the package. I was supposed to receive the package on XX/XX/XXXX. I have contacted roommates and neighbors near my home. They said they had not received the specific item that was supposed to be delivered. I communicated with the merchant through email/web chat. I was told to file a complaint with the shipping carrier. When I spoke to a shipping carrier representative, I was told they could not help me with the lost package. I was also told to contact the merchant to request a refund for the lost item. When I contacted the merchant XXXX I was told by a customer service representative of the merchant that I would be receiving a refund for not receiving the merchandise. I have documentation of the communication between me and the merchant XXXX in regards to receiving the refund for the missing merchandise. In the conversation transcript between me and the XXXX representative, I repeatedly told the XXXX representative that I do not and still did not have the item. The merchant has not provided the refund. Afterward, I disputed the transaction with Capital One because I did not receive the item. I would like to continue this dispute with the help of the Consumer Finance Protection Bureau. I hope that Capital One assist me in my situation with the help of the Consumer Finance Protection Bureau by providing me credit to my account for the misdelivered merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
I have been made aware of a Nation wide Data Breach and in respect to 15usc1681 A4 my privacy is to not be violated, as all these inaccuracies show it has been.

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 2025-01-04 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: FL

Complaint narrative:
I am disputing a debt with XXXX XXXX XXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that XXXX XXXX XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Jonathan Neil & Associates, Inc
State: PA

Complaint narrative:
Received a letter from a Debt Collector named Jonathan Neil & Associates , Inc threatening to report me or the vehicle owner to the appropriate State Agency as being XXXX if I dont give them my car insurance information. 

I have already been to court for this incident and the count has found me NOT GUILTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under [ xxxx ] and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account.

Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected.

Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
hello my name is XXXX and i've notice this problem on my Credit report in XX/XX/year>. I am writing to delete the following items in my file. The items i need to be deleted are listed in the report. I was hoping you can delete the item thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. I ask that the item be deleted to correct my credit report. I reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission 's identity theft affidavit. please delete the items as soon as possible from all three credit bureaus, transunion, XXXX and 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 2025-01-04 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:
hello my name is XXXX and i've notice this problem on my Credit report in XX/XX/year>. I am writing to delete the following items in my file. The items i need to be deleted are listed in the report. I was hoping you can delete the item thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. I ask that the item be deleted to correct my credit report. I reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission 's identity theft affidavit. please delete the items as soon as possible from all three credit bureaus, XXXX, equifax and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
Dear The CBE Group Inc, I am writing to dispute the alleged debt listed on my credit report with XXXX, XXXX, and XXXX credit agencies. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of this debt, including but not limited to the original creditor 's name, the amount of the debt, and documentation verifying my responsibility for the debt. To date, you have failed to provide sufficient evidence to validate the debt. 

Without proper validation, I believe the continued reporting of this alleged debt on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you immediately delete this account from all credit reporting agencies and cease all collection activities related to this matter. 

Please confirm in writing that you have taken these actions within the next 30 days. If you continue to report this debt without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Additionally, I reserve the right to pursue legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I pulled my credit report and see that you are reporting an alleged debt on my consumer report that I am requesting be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g. Since I am disputing this alleged debt pursuant to the Fair Debt Collection Practice Act, you are required to Cease and Desist all collection of this alleged debt which includes reporting to my
consumer report with XXXXXXXX XXXX XXXX XXXX. I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation. Please also provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN THE WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE AND MISLEADING.

Company response to consumer: Closed with non-monetary relief