vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-11 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: NC

Complaint narrative:
There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 


CREDITOR NAME XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$720.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXXXXXX/XXXX {$560.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$400.00} XXXX, XXXX XXXX/XXXX/XXXX {$1000.00}

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
XX/XX/year> I reach out to the debt collector for validation I havent receive anything from them. 1692c indicates debt collections agencies cant report anything without my consent or my permission..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CarMax, Inc.
State: NV

Complaint narrative:
I was taken advantage of by Carmax in XX/XX/XXXX when purchasing a XXXX Infinity XXXX. I stated i would pay {$2000.00} down. I was approved for financing. However, the associates at Carmax steered me to their own company Carmax Autofinancing. Carmax Auto financing used 3rd party reporting agencies information that was misrepresented to use predatory rates and fees associated with my purchase. From there I was led down a path of violations.

1. **15 U.S. Code 1662- Advertising of Down Payment : ** The dealership misrepresented the down payment and fees then adding it to the total sale price, contrary to what was advertised by sales consultant.

2. **15 U.S. Code 1605- Determination of Finance Charge** The finance charges were not accurately disclosed, which is a requirement under this section. Along with the finance charges were not based on accurate information from third party agencies like experian, XXXX, XXXX. 

3. UCCC3.301 ( 1 ) The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( OKLA ) 4. **U.S. Code 1638- Transaction other than Under the Open End Credit Plan** The terms of the transaction were not clearly and accurately disclosed as required by the section 5. NRS104A.2107Waiver or renunciation of claim or right after default.Any claim or right arising out of an alleged default or breach of warranty may be discharged in whole or in part without consideration by a waiver or renunciation in a signed record delivered by the aggrieved party. 


6. UCC 9-625 The credit inquiries violated my rights or caused harm financially harm with information taken from a third party credit agency like XXXX to determine rates, fees, and liabilities. These agencies have misrepresenting my data and your company has been in collusion with agencies to financially abuse the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
account name with date and time of transaction deported date XX/XX/year> Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX In accordance with the fair credit Reporting act Convergent Account above, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, XXXX and XXXX ( XXXX of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
XXXX XXXX ssn XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA subsection 605B 15 USC subsection 1681C to that you the credit reporting agency block information appearing on my consumer credit report that is the results of identity, theft and fraud within four business days of you receiving this complaint, this fraudulence, inaccurate, and false information consists of four auto loans accounts open at XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX account account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number private. In addition 1 personal bank account loan XXXX XXXX XXXX XXXX account opened XX/XX/XXXX account number 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 2025-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian use my personal information against my will

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit reports and discovered accounts that appear to be inaccurately reported. I contacted the companies directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my reports, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

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 2025-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally request the removal of certain accounts listed on my credit report that I did not authorize and do not recognize. These accounts were most likely opened fraudulently as a result of a data breach in which my personal information was compromised. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute and have incorrect or fraudulent information removed from my credit report. 

The accounts in question appear to be the result of identity theft, and I am requesting their immediate deletion from my credit report. The following details pertain to the fraudulent accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX KOHLS/CAPONE 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 capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to report the identity theft to the appropriate authorities, filed report with FTC. In addition, I have placed a fraud alert on my credit file and will be monitoring my accounts to prevent further unauthorized activity. 

Please investigate these remove any information related to them from my credit report. My information was exposed in the databreach. 

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

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: IN

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDXXXX 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 has violated my rights. 

I looked at my Experian credit 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed 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 explanation
Consumer complaint received 2025-01-11 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: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/year> Collection Agency : Hunter WARFIELD Address : XXXX XXXX XXXX XXXX XXXX, FL, XXXX Phone number XXXX Dear Hunter WARFIELD Associates, Your activities on behalf of your company in attempting to collect the alleged debt associated with the above mentioned case number have violated Section 808 of the Fair Debt Collection Practices Act ( 15 USC 1692f ). Section 808 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692f, provides, in part, as follows : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : " ( 7 ) Communicating with a consumer regarding a debt by post card. '' XX/XX/year> I received a post card from you regarding this alleged debt which stated among other things, " PAY YOUR DEBTS. '' This statement was in all capital letters and written in red. I will be discussing remedies against you, your company and XXXX XXXX XXXX  with an attorney within the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX sold account to third-party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX {$0.00} XX/XX/year> These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
On XX/XX/year>, I was approved for a Disaster Forbearance Plan. However, I was subsequently denied the plan without sufficient notice. Due to ongoing postal service delays in the Southeast in spring 2024 that were investigated by the US Congress, I did not receive communications about the change until nearly two weeks later. 

Once I became aware that the plan was no longer valid, I promptly made the required payment. Despite this, my mortgage is being reported as 30 days late to the credit bureau. This reporting does not accurately reflect the circumstances, including the postal delays and my efforts to address the issue immediately upon learning about the change. 

I request that this late payment be removed from my credit report and that the company review its communication and reporting practices to ensure fairness, particularly during times of regional disruptions like the postal delays we experienced.

Company response to consumer: Closed with non-monetary relief