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: 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: GA

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Accounts from TransUnion Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by TransUnion on my credit report. These accounts are inaccurately reported and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ). 
Negative Accounts to Be Removed XXXX. XXXXXXXX XXXX Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late XXXX. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off

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: 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: GA

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Accounts from TransUnion Dear CFPB, I am filing this formal complaint to demand the immediate removal of two negative accounts reported by TransUnion on my credit report. These accounts are inaccurately reported and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Negative Accounts to Be Removed XXXX. XXXX XXXX  Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late XXXX. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off

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: 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX did not do this pulls with these company and I've tried to communicate this with them. XXXX said to do this and I want to add the other XXXX as well. If my account was open in XXXX, why did they do another pull in 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 2025-01-11 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: GA

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Accounts from TransUnion Dear CFPB, I am filing this formal complaint to demand the immediate removal of XXXX negative accounts reported by TransUnion on my credit report. These accounts are inaccurately reported and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ). 
Negative Accounts to Be Removed XXXX. XXXX XXXX Account Number : XXXX Balance : {$440.00} Past Due Amount : {$30.00} Payment Status : 30 Days Late XXXX. XXXX Account Number : XXXX Balance : {$3000.00} Past Due Amount : {$3000.00} Payment Status : Collection/Charge-Off

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, I engaged with Equifax Supervisor XXXX regarding XXXX # XXXX. Upon reviewing the status of my disputes via the Equifax portal, I discovered that my complaint was closed within one business day without explanation. Attached, you will find evidence confirming that the dispute was closed prematurely, without providing the required Method of Verification under FCRA 611 ( 15 U.S.C. 16811 ). Equifax has failed to : conduct a comprehensive reinvestigation of all disputed accounts associated with my prior identity theft complaint ; provide detailed documentation of all sources of information used in their verification, including specific furnishers or third-party entities ; and confirm whether the FTC was contacted and whether due diligence was followed concerning my identity theft complaint. This lack of action appears to be in direct violation of the legal responsibilities imposed upon credit reporting agencies. The court in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), clearly established that credit reporting agencies bear significant responsibility in ensuring the accuracy of reports and must adequately address disputes involving identity theft. Furthermore, by refusing to block fraudulent entries on my report, Equifax is knowingly and willfully neglecting its duty. In addition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX highlighted the consumer 's right to a fair investigation by credit reporting agencies. Equifaxs failure to fulfill its legal obligations also contravenes the CFPB 's XXXX bulletin emphasizing the responsibilities of credit reporting agencies in handling identity theft complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX XXXX  Amex allowed charges totaling {$20000.00} in a single night to be charged to my account XXXX I have had this Amex account for 38 years and the highest monthly balance ever was ~ {$10000.00} Not only did they did not alarm me to this unusual activity but after I disputed the charges they demanded I provide them with my personal banking statements and paycheck copies so they can do a financial review of my account. They requested this information AFTER they had already allowed the fraudulent charges to be added to my account. 

I refused to provide my personal financial information, so they canceled all my Amex accounts, so I guess my 38 years of prompt payments and loyalty meant nothing. 

I demanded they remove the {$20000.00} in fraudulent charges from my account and they refused.

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: 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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XX/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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Complaint Against : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nature of Complaint : I am submitting this formal complaint against LVNV Funding LLC for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX. LVNV Funding LLC does not have the legal right to collect debts in my state. To my knowledge, they are not licensed to act as a debt collector in my state, which is a requirement under state law. Therefore, their collection activities are unlawful. 
2. LVNV Funding LLC never sent me a written notice or debt validation letter before reporting this account to the credit reporting agencies. Under 15 U.S. Code 1692g, they are required to provide me with written notice of the debt within five days of their initial contact. I never received any such notice, yet they placed this account on my credit report without any prior communication. 

This behavior violates both federal and state laws designed to protect consumers from unfair debt collection practices.

Company response to consumer: Closed with non-monetary relief
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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Designed Receivable Solutions Date of Inquiry : XX/XX/year> Amount : {$890.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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


Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX-XXXX XXXX # XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 2025-01-11 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: OH

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


Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX-XXXX XXXX # XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous and Associates ( collection agency ) in Utah contacted me via phone and email about a health club membership debt in XXXX. The health club was XXXX XXXX XXXX XXXX XXXX XXXX. I say 'WAS '' because XXXX was absorbed by a different club -- Planet Fitness -- and no longer exists as of XX/XX/XXXX. I explained to Aldous and Associates, verbally and in writing, that I prepay my annual club dues every XXXX and am a member in good standing with my local club. I also explained that the debt was the result of the XXXX computer attempting to charge my credit card which expired XXXX years ago. XXXX was thereby accumulating a penalty unnecessarily. I had been a XXXX member since XXXX. The amount shown by the agency -- {$170.00} -- is that figure and not my membership. On XX/XX/XXXX I contacted Aldous and Associates about the club 's acquisition by XXXX XXXX. They were unaware of the acquisition. I felt this information would end the issue, but I received an email from Aldous and Associates on XX/XX/XXXX, still attempting to collect an " outstanding balance '' of {$170.00} on behalf of XXXX I phoned Aldous and Associates yesterday, XX/XX/XXXX, and confirmed that they understood XXXX no longer exists and that my club membership is paid in full ( they had received my certified letter on XX/XX/XXXX detailing my situation, and it is in my computer file at Aldous ). They ignored my reasoning and continue to demand I pay them {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Requesting 1099c tax forms from this this debt of XXXXfrom Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Midwest Loan Services, Inc.
State: NY

Complaint narrative:
This company bought our loan from a previous lender about XXXX months or so ago. I had a lot of issues in regard to my escrow shortages with that lender and was and are still battling that with the XXXX. I see that I was charged a charged a fee of over {$300.00} that was carried over from the previous lender. When I questioned this I was told it was some kind of fee for going into a remodification. We never agreed to this fee. We went into a Forbearance for XXXX as many did back in XXXX of 2020. When we tried to come out of it we had a problem. They were trying to raise our interest rate. It was a huge mess and we were never even made aware that we were going to have to do a remodification. No one told us this. We were forced to do the remod. No choice but had a big battle to make sure it was on our terms. it took us almost a year and a half to go back to paying. Then they snuck this fee in on top of all the shortages in escrow that we were hit with. 
Now, of course, XXXX, carried this over. We are in protest of this and we are not paying it. We were not informed. We want it removed. It is their problem that they bought people 's loans and inherited debt that was in protest. I had no idea that my previous lender was going to sell our loan. On top of this I am now laid off from my full time job of XXXX years and my wife is on SS XXXX. The last thing we need is another charge on our mortage. It is under protest and will remain so.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following addresses SHOULD NOT be listed on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following addresses SHOULD NOT be listed on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
In XXXX someone opened a phone account with XXXX XXXX with my personal information and i had no acknowledgment until i received a call from XXXX saying i owe the amount of {$1200.00} for a phone i purchased i called them and let them know i never opened a account with XXXX and that i was still in high school so they listed the phone as blacklisted and identify theft and that it wouldnt effect my credit but it did Ive been trying to to get it removed for years i even have documentation stating that it was fraudulent i just need to report it as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citibank daily limit for XXXX is {$500.00}. I never used XXXX on the account before so I sent {$1.00} to my other checking account in XXXX XXXX which went through successfully. I saw it was successful, so I tried to send the rest, {$490.00}, and they froze my account. They provided a phone number to call, I called it and verified all of my information. They said they need to send the request to their back office which can take up to XXXX hours. I can not wait XXXX hours for my money because I have two young children who need to eat.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have reached out to Experian and the banks and i have not received any responses

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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Designed Receivable Solutions Date of Inquiry : XX/XX/year> Amount : {$900.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.

Company response to consumer: Closed with explanation