vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I formally requested a review of a recent decision regarding a disputed charge on my credit card account. The transaction in question, processed on XX/XX/year> with XXXX for the amount of {$7800.00}, was originally disputed because the merchant failed to provide the agreed-upon service : XXXX XXXX XXXX XXXX XXXX XXXX. I requested a refund on XX/XX/XXXX, prior of access any of their product because I realized this was a scam. 

Despite their commitment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, nor did I receive any viable documentation or evidence of efforts on their part to fulfill the promised service. I initially ask for a refund on XX/XX/year>, and I have been delayed and provided different information and where during my 4th attempt at requesting a refund, XXXX XXXX used time as the reason that Im not eligible for a refund. Based on my evidence, I ask multiple times for a refund, about a month later and was giving the run around, asked to work with a 3rd party for credit repair, which was a scam because they took all my information to be never heard of. Then I was told to spend more money with another company for credit repair and I refused, they in turn offered me a {$300.00} refund toward that company, but they never follow through on. I've provided emails communication as supporting documents for all the delays and misleading information. 

Enclosed with the dispute letter : 1. The initial contract or agreement with outlining their obligation to XXXX XXXX XXXX. 
2. My communications with the merchant demonstrating that I attempted to resolve this directly with them and was met with no resolution or funding. 
XXXX. Proof of payment for the service that was never provided. 

Thank you for your time and reconsideration. I look forward to your response and a fair resolution.

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 2025-01-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: AZ

Complaint narrative:
MY INFORMATION HAS BEEN EXPOSED IN A DATA BREACH. HERE ARE THE ACCOUNTS LISTED : XXXX XXXX - Acct # : XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX Acct # : XXXX Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # XXXX, Bal- {$690.00} Date XXXX XXXX Acct # XXXX, Bal- {$130.00} Date XXXX XXXX-Acct # XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX # XXXX, Bal- {$0.00}, Date XXXX XXXX XXXX XXXX XXXX # XXXX, Bal- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Acct # XXXX, Bal- {$600.00} Date XXXX XXXX XXXX XXXXAcct # XXXX, Bal- {$510.00}, Date XXXX XXXX XXXX  ( XXXX XXXX  ) - Acct # XXXX, Bal- {$130.00}, Date XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$1100.00}, Date XXXX XXXX- Acct # XXXX, Bal- {$1300.00}, Date XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$690.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX XXXX Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$0.00} XXXX Date 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 2025-01-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I was laid off as a supervisor in XX/XX/year> I started drawing unemployment I pay child support on XXXX child and they were taking {$660.00} out of my check monthly. Well when I got laid off I got to draw unemployment until XXXX and we were only taking {$130.00} a week in child support and it got me behind my caseworker never would return your call or even when I went up there see me. I've been to 5 times in the past 5 months and trying to keep a roof over my wife and her daughters head and mine I started my own buisness just to make at least grocery money, my minimum child support payment of XXXX . And the XXXX payment is no big deal when you're paying a lawyer and had to fire gher because she was horrible. So to get back on track if AMERICAN CREDIT ACCEPTANCE could work with me till i get This straightened till my 6th court date in The middle of XXXX. Thanks we only have the XXXX as of right now we don't have the extra money to fix my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servicing Solutions, LLC
State: IL

Complaint narrative:
I have been a loyal and valued XXXX XXXX XXXX XXXX owner for many years. I have been paying with this credit card for many years. On XX/XX/XXXX, unexpectedly, my credit was reduced to the current balance. On XX/XX/XXXX, all XXXX XXXX XXXX accounts were closed. 
After XX/XX/XXXX, I took care of the balance and by the time the account was closed, my balance was paid in full and I did not expect any problems. 
However, shortly after the closing date, I began receiving an abnormal amount of calls and XXXX from a collection agency, Service Solutions. At XXXX, I took it as a scam. Later, I responded, told the agent that I owed XXXX XXXX XXXX XXXXXXXX money, and clearly stated that I did not want to call again. They stopped calling and now send me " money demand letters '' almost every day. XX/XX/XXXX I spoke to a Service Solutions agent who was very vague and their supervisor who later emailed me saying the account was paid in full. 
But that didn't stop their demand emails. They pretend to have my account and the {$86.00} debt when I never had any agreement or anything with them. They also can't explain how or where the debt came from. 
To me it's not the amount but their methods of getting paid, all of which involved trying to get your full SSN and access to your bank account which is very suspicious. 
XX/XX/XXXX - I called XXXX and XXXX XXXX. Was on the phone with XXXX different reps and they all said I don't have a XXXX through them and they don't have a contract with Servicing Solutions.And all my accounts ( including the closed one ) in a good standing. I owe them nothing. 
To me this whole XXXX up is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : 1. DIVERSIFIED ADJUST ME understand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.

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 2025-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.understand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: American Credit Acceptance, LLC
State: NY

Complaint narrative:
I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunderstand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I was garnished which I am not disputing Allied Collections garnished me from both of my jobs they was paid in full on XX/XX/XXXX of 2024 and when I contacted them the office manager stated it was nothing she could do and to contact the XXXX which I did and that was no help due to they said the collections agency is the ones who need to release the account. I have been calling almost daily to have this resolved XXXX manger stated that I would have my money returned by the XXXX of XXXX which was the XXXX lie she has told I just want my money back please help me. 

Allied Collections Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2025-01-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

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

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 2025-01-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX XXXX XXXX : XXXX 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 2025-01-09 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
Ive been disputing the same 19 XXXX accounts since XX/XX/XXXX for incomplete and inaccuracies which is a violation of the fcra. 

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ;

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 2025-01-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have speak to unemployment about a refund of my money. They said the cant give me my money back that was stolen off my card. All my transactions of my past history is not on my way to go app. I believe I was cyber hack. Please help I even have spoke to two attorneys. One is out of state and the dont know much about the way2go card. Now you can lock your card but not before. Do I have to take them to small claims court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or around XX/XX/year>, I applied for a business auto loan through Chase Business Loan Center ( XXXX ). The loan was processed and assigned account # XXXX under JPMCB AUTO FINANCE. Every communication, including loan application and processing, was conducted through Chase 's business division, clearly establishing this as a business obligation per 12 CFR 1002.2 ( g ) of Regulation B.

The loan was improperly reported as a personal obligation on consumer cre
dit reports, violating multiple sections of federal law : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. : Violation of 1638 ( a ) - failure to provide proper disclosures regarding credit obligation nature Violation of 1637 ( a ) - failure to clearly distinguish business from consumer credit Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : Violation of 1681s-2 ( a ) ( 1 ) ( A ) - furnishing information known to be inaccurate Violation of 1681e ( b ) - failure to follow reasonable procedures to assure maximum possible accuracy Timeline : XX/XX/year> : Chase Business Loan Center requested business documentation XX/XX/year> : Loan processed through business division XX/XX/year> : Account incorrectly appeared on personal credit report Present : Continues to report inaccurately Documentation shows : All communications through Chase Business Loan Center Business documentation requests Business designation and " all rights reserved '' notation on signed documents

Company response to consumer: Closed with explanation