vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this 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 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This negative item does not meet the FCA reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. 

I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request. They continue to contact me and my parents through spam phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I respectfully request that you act without delay to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: VA

Complaint narrative:
o Whom It May Concern, I am submitting a formal complaint against TransUnion for their failure to appropriately investigate my dispute regarding an inaccurate XXXX account on my credit report. Despite my submission of a formal dispute, TransUnion has failed to conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates a reasonable reinvestigation of disputed information. 

XXXX is falsely reporting that I owe a balance of {$2500.00}, including alleged charges for non-returned equipment. This information is entirely inaccurate. I have made multiple attempts to resolve this issue directly with XXXX and XXXX XXXX XXXX XXXX, the collection agency involved, yet TransUnion continues to report this erroneous balance without properly verifying its validity. 

TransUnion 's failure to meet its legal obligations under the FCRA has caused undue harm to my credit profile. I request the CFPB to investigate TransUnion 's handling of this dispute and to ensure compliance with federal regulations requiring accurate and fair reporting practices. 

I have attached supporting documents detailing my disputes and correspondence with TransUnion, XXXX, and the collection agency. I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a victim of identity theft, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.

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 2025-02-18 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I filled bankruptcy for my home at XXXX XXXX XXXX XXXX XXXX NY and for my car XXXX XXXX  XXXX XXXX XXXX. I wasn't able to to keep the house and lost it to a foreclosure sale. As time went by i still struggled financially, the car payments got further and further behind which lead to aggressive debt-collection tactics and a large past due balance. Keeping the car was extremely essential to me as i have a son who is XXXX and that's my only source of transportation to and from my sons doctors appointments as well as any job i am able to get. The car was recently repossessed. While being repossessed it was damaged by the tow company XXXX XXXX XXXX XXXX XXXX. I spoke with someone at the tow company once about the complaint, They were extremely hostile, threatened to throw my personal items away that they removed from the car. However they didn't throw them away but when i went to pick them up they were soaked in XXXX and covered in mold. I know this was in retaliation to the accusations i made about the damage to the car. I tried numerous time to reach out the the tow company to file a complaint and provide proof of my claims. They wont answer the phone or respond to any emails. I filled a complaint with Credit Acceptance, they denied the claim stating Its XXXX XXXX XXXX words against mines '' stated by XXXX XXXX. My words held no weight because im just an individual who is late on payments, they could care less simply because if i dont pay they take it again and sale it at auction to the next person and the damaged are the next person problem. My car is currently undriveable due to the damages cause by the XXXX XXXX. Ive expressed this multiple times and provide proof. They are still threating repossession and well as resuming collection calls. I pay {$530.00} a month to try to keep the car now im stuck with {$6500.00} in damages that were not cause by me. These guy are willing to review the facts they just want money money money, and blood. the are predatory practice these guys are engaging in.

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 2025-02-18 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX Discover Financial Services Attn : Credit Dispute Department Subject : Dispute of Unauthorized Late Payments and Hard Inquiry Due to Identity Theft To Whom It May Concern, I am writing to formally dispute XXXX late payments reported on my XXXX credit card account for XX/XX/XXXX and XX/XX/XXXX, as well as a hard inquiry on my credit report dated XX/XX/XXXX. These inaccuracies resulted from identity theft, and I request their immediate removal from my credit report. 

I want to clarify that I am the rightful owner of my XXXX credit card account and do not wish to close or remove the account. My concern is solely with the incorrect late payment entries and the unauthorized credit inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Because I did not authorize the hard inquiry in XX/XX/XXXX and was a victim of identity theft during the time of the reported late payments, I respectfully request that these negative marks be removed from my credit history. 

Please investigate this matter promptly and provide a written response confirming the removal of these inaccuracies. 

Thank you for your time and assistance. Please let me know if you need any further information to process my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-18 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX, Tennessee, XXXX ] [ XXXX [ XXXX [ XXXX ] XXXX, XXXX  [ XXXX ] ] [ XXXX XXXX XXXX ] [ XXXX, GA XXXX ] Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o, credit reporting agencies and furnishers of information are required to exercise reasonable care in handling consumer credit information. Failure to do so results in liability for damages caused by negligent noncompliance. 

Upon reviewing my credit report, I have identified the following inaccurate information : [ XXXX XXXX XXXX, XXXX  XXXX XXXX. ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX XXXX  ] Account Number : [ XXXX ] [ XXXX ] [ XXXX ] Inaccuracy : [ XXXX ] [ XXXX ] [ XXXX ] incorrect balance, [ Supporting Documentation : [. ] I request that this matter be investigated immediately and the incorrect information be corrected or removed as required by law. Please provide me with a written response regarding your findings and actions taken within the timeframe established by the FCRA. 

Additionally, should this negligence continue to result in damages to my creditworthiness, I reserve the right to seek legal recourse for any financial harm incurred, as permitted under 15 U.S.C. 1681o.

Please confirm receipt of this dispute and provide me with a resolution at your earliest convenience. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-18 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Thursday, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Citi Bank XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Fraudulent Charges XX/XX/XXXX Dear Sir or Madam : I have attempted to resolve the fraud that occurred on XX/XX/XXXX by phone and mail with no success. The charges in question were XXXX {$360.00}, XXXX {$420.00} & XXXX {$200.00}. All of which I have paid for and have not gotten recompense /// I reported the fraud telephonically as soon as I discovered the fraudulent charges. A security credit-item under investigationwas issued by Citi on XX/XX/XXXX. The fraudulent purchase and credits are shown on the XXXX statement. 

Subsequent to your investigation which I have not been privy to Citi decided to revoke the XXXX XXXX XXXX XXXX {$420.00} as stated as XXXX XXXX posted XX/XX/XXXX as seen on my XXXX statement. 

As seen on the dispute center states XXXX XXXX charge of {$200.00} was original found in my favor later reversed XXXX XXXX charge of {$350.00} needed more information which I provided XXXX XXXX charge of XXXX I was responsible for and no credit has been issued I am submitting for the second time your action required for XXXX XXXX  charge of {$360.00} and, in also I am commenting on the detail on the letter that a ticket was issued in the name of XXXX XXXX for XXXX XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX XXXX A valid photographic drivers license or passport in that name has to be shown to pass through XXXX in order to board the plane. I dont know a XXXX XXXX and my wife and I havent been to XXXX XXXX decades. Perhaps some XXXX  XXXX  work could track down this criminal. 

Moving onto the XXXX charge of {$420.00} that Citi maintains is my responsibility. Your response stated Your dispute is resolved and no credit has been issued. I see no evidence of your investigation that shows that I made that purchase. This fraudulent charge is part of the criminal activity that charges my account on the same day for flights on XXXX and XXXX. I demand that this charge be reversed and my account be credited for the amount of {$420.00}. 

I believe that only a cursory investigation was conducted by Citi and continued investigation is indicated. You have his name and the flights that he took. Photographic evidence of identification used and video evidence from XXXX would lead to the criminal. 

I anxiously await your response. XXXX XXXX isnt coming to my family until I have been made whole by Citi. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
I have attempted to resolve the inaccurate information and fraudulent inquiries being reported on my credit report on several occasions. With each interaction with Transunion, they do nothing to assist me in resolving their errors. Fraudulent inquiries remain on my credit report and inaccurate, outdated personal information yet remains as well.

Transunion is in clear violation of FCRA laws 15 USC 1681b and 15 USC 1681i. According to XXXX XXXX XXXX XXXX, Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. To date, THEY HAVE NOT! There must be an authority that demands justice for me as a consumer and forces companies like Transunion to uphold the law. I just want 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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 2025-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
It is becoming well known that XXXX XXXX Incomm giftcards are being declined everywhere. I am not able to use my XXXX XXXX  giftcard for my needs. It is very challenging to get a hold of any of their associates so I want a check for my XXXX XXXX since I keep getting thrown for a loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Items were back to my credit report that had been removed and then a few of them were not even investigated

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