vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2024, I looked at my report. I sent a letter to TransUnion on XX/XX/2024 asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX,, and this is my tracking number : XXXX On XX/XX/2024 they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/2024 I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to, and according to 15 USC 1681i 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX,, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to, and according to 15 USC 1681i 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 2025-01-04 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Good morning unaware to me I am an authorized buyer on one of my relatives account and that account is Macy 's legally I am not financially responsible XXXX that account and I am sure my aunt needed my parents permission which she did not have, I recently noticed this account on my credit report because I was applying for apartments and was denied I would like this account removed from 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 non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLSTATE LENDING GROUP, INC
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Collector, I am writing in response to your letter or phone call dated I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Synovus Bank
State: MI

Complaint narrative:
Under the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I request a detailed investigation into the following items to ensure my consumer report accurately reflects my financial history, I've contacted each company, sent certified mail, requesting description of procedure each bureau used in providing all the information under FCRA 611 ( a ) ( 7 ) to be clear per FCRA611 ( a ) ( 2 ) ( b ). for updated and valid information asked them to, requiring each account. I received no call back from some, and/or letter saying I must prove that it is me sending in the requested with my updated name, license, and address which is a form of entrapment, and should be against the law, they don't have my information but saying they won't respond until they have my information, which is ridiculous. I asked them to update my address and phone number they refused, several of this address I need lived at, also they have my name completely wrong. I've received letters from dioxin that I have in fact been a victim of fraud and they still would not accept that. violation of code 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX, I attempted to open a checking and savings account with JP Morgan Chase XXXX. I received an email on XX/XX/XXXX, informing me that JP Morgan Chase was " unable '' to open an account for me. I visited a local branch of the bank in New York City ( address : XXXX XXXX XXXX, New York, NY XXXX ) to follow up on this issue. I met with a banker who then made a phone call ( presumably to XXXX 's back office / compliance team ) and they verbally informed her that they could not open an account for me. I asked for further information, but she informed me that she could not provide any further details and that I would not be able to bank with JP Morgan. 

Around this time, in XXXX, my father, who is a customer of JP Morgan Chase, reached out to his personal banker and asked his banker to look into the issue. Similar result ; they reached out to their contacts internally and informed us that all they got back from their compliance team was that it was not possible to open a bank account in my name. 

Later, on or around XX/XX/XXXX, my fiance and I attempted to open a joint checking / savings account at the Chase Bank XXXX ( address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ). After going through the process of opening the account, at the last minute, the banker informed us that they would not be able to open an account with me as an account holder. When I asked for information as to why, the banker told me he couldn't tell me but that I would receive a letter in the mail with more details within XXXX weeks of the appointment. As of XX/XX/XXXX, I have not received this letter. 

Some additional facts that XXXX be helpful : - Shortly after XX/XX/XXXX, I opened a joint bank account with another bank ( XXXX ) and there were no issues doing so. 

- I maintain a credit card account with Chase bank and have maintained this account since at least XXXX. JP Morgan Chase apparently has no issues issuing a credit card to me ; but a checking/savings account is out of the question. 

- I have opened accounts with XXXX and XXXX, and have yet to see any indication that my identity has been stolen or compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AR

Complaint narrative:
Delete all inaccurate addresses and names. 15 USC 1681b states by law this inaccurate information has to be removed. 

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 Names : 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 explanation
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
I noticed several inaccuracies on my credit report and its preventing me from obtaining credit. This is not my account and tried to have this removed several times through the XXXX XXXX. Heres the account I am asking you to verify as accurate : Jefferson Capital Syst account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my 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 non-monetary relief
Consumer complaint received 2025-01-04 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: NJ

Complaint narrative:
on XX/XX/year> i pulled what little info i was allowed to access on my credit report only to find that there is incorrectly reported payment records on my credit reports i have tried calling to have the information corrected but was denied. even after my XXXX  i tried to send a debt validation letter to the debt collectors but to no avail. this is a violation of several us codes of title 15. 15 usc 1692 false and misleading representations, 1692f unfair practices 1692g validation of debts, 1681e ( b ) accuracy of reports, 1681i disputes, 1681s-2 responsibilities of furnishers of information, 12 usc 5531 consumer financial protection act, the following codes apply and i wish to exorcise 15 usc 1681n & 1681o- civil liability, 15 usc 1692K civil liability

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 2025-01-04 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, Michigan XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Report of Data Breach Dear CFPB, I am writing to formally report a data breach that has affected my personal information. On [ insert date of breach ], I was notified that [ insert details about the company or organization involved in the breach ] experienced a security incident that compromised my sensitive data, including [ specify types of data exposed, e.g., Social Security number, financial information, etc. ]. 

As a result of this breach, I am concerned about the potential misuse of my information and the risks it poses to my financial security. I have taken steps to mitigate the impact, including [ mention any actions you have taken, such as monitoring your credit, placing a fraud alert, etc. ]. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that consumers like myself are protected from such incidents in the future. 

Thank you for your attention to this important matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, Michigan XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Report of Data Breach Dear CFPB, I am writing to formally report a data breach that has affected my personal information. On [ insert date of breach ], I was notified that [ insert details about the company or organization involved in the breach ] experienced a security incident that compromised my sensitive data, including [ specify types of data exposed, e.g., Social Security number, financial information, etc. ]. 

As a result of this breach, I am concerned about the potential misuse of my information and the risks it poses to my financial security. I have taken steps to mitigate the impact, including [ mention any actions you have taken, such as monitoring your credit, placing a fraud alert, etc. ]. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that consumers like myself are protected from such incidents in the future. 

Thank you for your attention to this important matter. I look forward to your response. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
NCA and XXXX XXXX is in violation of my rights According to 15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers. This section prohibits debt collectors from communicating with consumers in certain ways without their consent, including credit reporting using a third party. They are attempting to collect a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This debt was paid in full. I was told ( over the phone ) because you can not contact LVNV via email or any other way but a phone call, that once debt was paid in full, within XXXX hours they would submit to XXXX XXXX-AND SEND ME A COPY, of proof of debt paid in full, court documents to end XXXX XXXX, An itemized statement showing the amount of original debt ( roughly XXXX ) and the amount of interest paid ( roughly XXXX ) for a total debt payment of roughly XXXX. I have yet to receive court documents showing the debt was paid in full, notice to XXXX XXXX with court order to stop XXXX XXXX, any court documents showing the debt was paid in full. Additionally, I do not believe paying over XXXX XXXX XXXX on an original debt is legal and am requesting any refunds owed. But most importantly showing the debt was paid in full IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management is contacting me despite the absence of any contract. I have received numerous phone calls and letters, including threats of legal action. This matter was previously resolved by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I received a virtual debit card from Blackhawk Network as settlement for a class action for {$25.00} in XX/XX/year>. I activated the card in XXXX, but did not attempt to use it until XXXX. I couldnt use the card and called customer service. They informed me that they had placed a block on the card. They opened a case and told me that another department work on it and it would take XXXXXXXX XXXX to resolve. I received an email asking for photos of the card and my ID, which I provided. 

After XXXX XXXX of no additional action, I called back and was told that they now needed the original email that I received with instructions to activate the card. Of course I do not have this as there was no reason to save it after successfully activating the card online. 

They have more than sufficient information to verify my identity, including verification that they sent the original email to the same email address that Im using to respond to their current requests. 

Customer service is completely useless in that they will only say repeatedly that another team is working on it and someone will contact me in XXXXXXXX XXXX. Neither of which have proven to be true. 

At this point, this really seems like a scam. XXXX had no reason to block the card, and is now making it impossible for me to have it removed. Its such a small amount of money that most people put in this situation wouldnt jump through all of the hoops and I think they know this. 

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

Company response to consumer: Closed with explanation