vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: MS

Complaint narrative:
XX/XX/XXXX I purchased a vehicle from a XXXX XXXX in XXXX, TX. A few weeks after I purchased the vehicle I was contacted my XXXX  saying my payment was more than I was told at the dealership. I also noticed on my credit report it was saying I was employed at XXXX which I have never been. I ended up going back to the dealership to have my vehicle serviced and was told by the salesman that the finance office created fake documents saying I was employed with XXXX so that I would be approved for the loan. When I began to fall behind on my payments I contacted XXXX and tried to tell them the situation and ask for help and they refused to look into the matter any further. The vehicle was repossessed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
XXXX XXXX XXXX XXXX XX/XX/year> {$2300.00} I recently pulled my credit report and noticed this collection account negatively reporting on my credit report. I went online and did some research. The credit report agencies are violating my rights. Under 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ) I failed a complaint with a Better Business Bureau. I sent off numerous certified letters and still no response or action taken.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late/Open Late 120 Days Inquiries In Dispute : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-14 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: Lincoln Educational Services Corporation
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally address a serious concern regarding a breach of my privacy rights as outlined under the Family Educational Rights and Privacy Act ( FERPA ) of 1974. Specifically, I believe that XXXX XXXX XXXX has violated the provisions of FERPA by furnishing my transactional and personal information to third parties without my explicit, written consent.

FERPA was enacted to protect the privacy of student educational records and requires that no personally identifiable information ( PII ) or educational records be disclosed to any third parties without the prior consent of the student, except in situations expressly authorized by law. The privacy policy that I signed at the time of my enrollment clearly outlined these protections, yet I have reason to believe that XXXX XXXX XXXX has failed to adhere to these obligations.

Based on my review, it appears that the college disclosed financial transactions and other related records to a third-party entity, which constitutes a direct violation of FERPAs provisions. I have not provided any consenteither written or verbalthat would allow the release of my educational or financial records to any non-affiliated third party.

Under FERPA, I have the right to : 1. Review my educational records.

2. Request an amendment to incorrect or inaccurate records.

3. Control the disclosure of personally identifiable information.

Given the gravity of this situation, I am requesting : 1. A detailed accounting of all disclosures made by XXXX XXXX XXXX to third parties concerning my records, including dates, recipients, and the specific information disclosed. 
2. A written explanation detailing how XXXX XXXX XXXX believes it was authorized to furnish my personal or transactional information without my explicit consent.

3. An immediate cessation of any further unauthorized disclosures of my records and a review of the institutions compliance with FERPA requirements to ensure such breaches do not occur in the future.

Failure to address this matter may result in my pursuit of formal complaints with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and other regulatory bodies. I trust that XXXX XXXX XXXX takes its obligations under federal privacy laws seriously and will rectify this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits.

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-step validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report.

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-14 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: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-14 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: MS

Complaint narrative:
The U.S. Department of Education sent me an email on Friday, XX/XX/year> informing me that all of my student loans was XXXX. I have been assigned a borrower defense group discharge case number as well. I have the email from the Department of Education as well.

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 2025-01-14 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: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
There seems to be an identity theft going on with my EQUIFAX credit report as I see an unauthorized hard enquiry with the name " XXXX '' on XX/XX/year>. This hard enquiry needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to verify a debt after I requested validation. In XXXXXXXX XXXX XXXX  ], I contacted Experian regarding a few accounts listed on my credit report, requesting verification of the debt as per my rights under the Fair Credit Reporting Act ( FCRA ). Despite my request, Experian has refused to provide verification or documentation supporting the accuracy of the debt. 

The specific details of the issue are as follow XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Request for Debt Verification : XX/XX/year> Details of Communication : Debt came back verified Requested Verification : I asked Experian to verify the accuracy of the debt and provide supporting documentation, including the original creditor and account details. 
Under the FCRA, Experian is required to investigate and verify the accuracy of any information they report, particularly when a consumer disputes the debt. Their refusal to provide verification is a violation of my rights, and I am requesting that the CFPB intervene to ensure Experian complies with the law and rectifies the situation. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Experian for their failure to verify the debt and for any potential violations of my consumer rights. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Set up account. invested $ XXXX which has increased 400 % in XXXX XXXX. Due to a lost phone I could not login. They then have a system to recover access to the account. Send in pictures of my ID and myself. I did this first with my NJ license and then with my passport. They denied recovery both times without telling me specifically what is wrong. i called emailed and chatted with them and submitted a complaint. That took a week of my time to do this. They now tell me that the account was setup incorrectly and they don't support it. How can they let someone set up an account that is incorrect. Another gotcha. They asked me to set up another account and transfer my assets from this account into a new one. They know I can't do that because without access to the old account I can't make any transfers. At every step they have found a reason not to help me get into the account. I am trying to speak with a human being but when I call their support line they tell me that the wait in in excess of one hour. i left a message to call me back when they are available which is one of their options. It has been two days and I have not received a call back. they sent me an email with six digits. i need to give that to them when they call. I'm sure they will contact me when I am away from my computer and I wont be able to give them the six digits and then i will have to start all over. There are dozens of ways to verify a persons identity. They choose the one that makes it easy for them to deny verification. I am XXXX XXXX XXXX and living on social security and my savings. Maybe they think I will lose interest. At that point they will close the account and take my money. They are infuriating. I have been a solid citizen all my life and this smells like a scheme to defraud me from my money. I really need help to get into my account. I will then sell everything and have them send me the money and close the account. At first I thought they were just ignorant and now I feel that they are geniuses who have devised a scheme where they don't have to be responsive to a customers needs. Losing a phone is commonplace occurrence. Their last email to me said that they will never recover this account. I repeat then, how would I transfer assets into a new account that they want me to set up. MY husband has his own account and I have asked them to transfer to him and they won't. They remind me of healthcare insurance companies who just deny, delay, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-01-14 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my account on their own. I was out of town, lost my debit card and therefore had to utilize my credit card quite a bit. I only have a {$300.00} limit so I had to make multiple payments within a few days. After it was all said and done, and did not realize that the account used to make my payments had an issue and therefore had returned payments that occured on XX/XX/XXXX. I received email on XX/XX/XXXX of the returned payment but only saw it on the XXXX. As soon as I did, I went and made a payment of {$270.00} to bring the account below the overrage amount. It was a true accident and I made it right as soon as it was brought to my attention. I had no previous returned payments. 

I am in the process of rebuilding my credit and this is really going to affect me. 
I just feel like the action to close my account not even a day after alerting me is insane and terrible customer service. I have another card with them and had no issues at all with that card yet it is closed too. 

If capital one can re-open my two cards, I would be very satisfied and will make sure this does not happen again in the future. Accidents happen and it was swiftly taken care of on my end.

Company response to consumer: Closed with explanation