vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am filing this complaint to formally address ongoing issues with XXXX credit reporting on my profile. Despite multiple disputes filed with XXXX regarding certain accounts, these inaccuracies remain on my credit report, negatively impacting my financial standing and overall creditworthiness. 
I have disputed these accounts on XX/XX/year> and have followed all necessary steps to provide supporting documentation to back my claims. However, these inaccuracies have not been corrected, and the accounts continue to be reported incorrectly, making it clear that XXXX has not investigated my disputes thoroughly or in compliance with the Fair Credit Reporting Act ( FCRA ). 
As a result, I am a victim of erroneous and damaging reporting, and I demand that all inaccurate information be immediately and permanently removed from my credit profile. I expect that XXXX will take prompt corrective action to ensure the accuracy of the information they report. 
XXXXXXXX XXXX XXXX  key point inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint to formally address ongoing issues with XXXX credit reporting on my profile. Despite multiple disputes filed with Experian regarding certain accounts, these inaccuracies remain on my credit report, negatively impacting my financial standing and overall creditworthiness. 
I have disputed these accounts on XX/XX/year> and have followed all necessary steps to provide supporting documentation to back my claims. However, these inaccuracies have not been corrected, and the accounts continue to be reported incorrectly, making it clear that Experian has not investigated my disputes thoroughly or in compliance with the Fair Credit Reporting Act ( FCRA ). 
As a result, I am a victim of erroneous and damaging reporting, and I demand that all inaccurate information be immediately and permanently removed from my credit profile. I expect that Experian will take prompt corrective action to ensure the accuracy of the information they report. 
XXXX XXXX XXXX  key point inquiry 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint False Collection Account by XXXX XXXX XXXXXXXX Dear XXXX XXXX I am submitting this formal complaint under the protection of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a collection account falsely reported by National Credit Systems. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Original Creditor : The XXXX XXXX Reported Balance : {$110.00} ( now {$0.00}, paid ) Last Verified Date : XX/XX/year> According to XXXX XXXX XXXX  XXXX, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, under XXXX XXXX. XXXX ( b ), furnishers of information must ensure the accuracy of information reported to credit bureaus. 

The XXXX XXXX did not authorize XXXX XXXX XXXX to initiate this collection. Thus, the account was falsely placed on my credit report, violating both the FDCPA and FCRA. Furthermore, this action has caused undue harm to my credit score and financial reputation. 

I hereby request the CFPB to : Investigate the legitimacy of this collection account and verify whether XXXX XXXX XXXX obtained proper authorization from The XXXX XXXX. 
Enforce corrective measures under XXXX XXXX. XXXX ( a ), which requires inaccurate information to be removed from my credit report promptly. 
Ensure compliance with FCRA and FDCPA by requiring XXXX XXXX XXXX to provide documented evidence of authorization for collection activities. 
To support my claim, I am attaching the following documents : A copy of my credit report showing the disputed account. 
Relevant correspondence with XXXX XXXX XXXX and the credit reporting agencies. 
A statement from XXXX  XXXX XXXX confirming that no collection authorization was granted. 
I trust that the CFPB will address this matter with urgency to ensure my rights as a consumer are upheld under federal law. Thank you for your time and attention. 

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 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint False Collection Account by XXXX XXXX  XXXX Dear XXXX XXXX XXXX XXXX XXXX this formal complaint under the protection of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a collection account falsely reported by XXXX XXXX XXXX The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Original Creditor : XXXX  XXXX XXXX Reported Balance : {$110.00} ( now {$0.00}, paid ) Last Verified Date : XX/XX/year> According to XXXXXXXX XXXX XXXX XXXXXXXX, debt XXXX are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, under XXXX XXXX. XXXX ( b ), furnishers of information must ensure the accuracy of information reported to credit bureaus. 

XXXX  XXXX XXXX did not authorize XXXX XXXX XXXX to initiate this collection. Thus, the account was falsely placed on my credit report, violating both the FDCPA and FCRA. Furthermore, this action has caused undue harm to my credit score and financial reputation. 

I hereby request the CFPB to : Investigate the legitimacy of this collection account and verify whether XXXX XXXX XXXX obtained proper authorization from XXXX  XXXX XXXX. 
Enforce corrective measures under XXXX XXXX. XXXX ( a ), which requires inaccurate information to be removed from my credit report promptly. 
Ensure compliance with FCRA and FDCPA by requiring XXXX XXXX XXXX to provide documented evidence of authorization for collection activities. 
To support my claim, I am attaching the following documents : A copy of my credit report showing the disputed account. 
Relevant correspondence with XXXX XXXX XXXX and the credit reporting agencies. 
A statement from XXXX  XXXX XXXX confirming that no collection authorization was granted. 
I trust that the CFPB will address this matter with urgency to ensure my rights as a consumer are upheld under federal law. Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
XXXX XXXX is refusing to remove an account from my credit report that is fraudulent and inaccurate. The account is not in my name and I provided an FTC report. I also have a private court document that shows that my phone was stolen and retrieved from an abandoned building. My identity was stolen, fake bank accounts were created, my social media was stolen and I am still unable to access it. Goldman Sachs has no wet signature from me nor do they have proof that I opened an account with them. They also stated in complaint XXXX they charged off the debt however they are still reporting a balance They never sent a XXXX as the claim was written off. I will be reporting this discrepancy to the IRS as well. Since it was done in XXXX, XXXX  XXXX had ample time to send out this document. Despite that issue, they are violating my FRCA rights by reporting inaccurate information to the credit bureaus. Just because their bias team has done an investigation, doesnt mean that their findings are accurate. I demand that they forward all of their investigation document for my record, so that I may forward them to my attorney for our own investigation. This fraudulent account has cause a severe impact on my life as I have not been able to obtain work or secure a mortgage as it has dropped my XXXX XXXX over XXXX points. I will b pursuing legal actions as well as damages for their defamation of my character and liable by publishing inaccurate information about me to the credit bureaus for lenders to see and judge me. I am in grave disparity and this has caused significant mental anguish. I have submitted all of the documents requested of me and will continue to defend myself against these frivolous and false claims.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion needs to correct the inaccuracies on my credit report to ensure that only accurate and verified information is reported. The address listed as " XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX '' is incorrect because it does not include the floor unit. The correct address is " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. '' The report also inaccurately states that I am XXXX. My correct and current employer is " XXXX XXXX XXXX. '' These inaccuracies violate the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be reported. Failure to remove these details may result in willful noncompliance under 15 USC 1681n, allowing for damages up to {$1000.00} per violation.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on My Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TransUnion Consumer Solutions }. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements Account Number : XXXX XXXXXXXX XXXX XXXX late payment in question is reported by TransUnion Consumer Solutions for the period of Late Payment Date XXXX I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on My Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TransUnion Consumer Solutions }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements Account Number : XXXX XXXX XXXX The late payment in question is reported by TransUnion Consumer Solutions for the period of Late Payment Date XXXX I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
I moved to the apartment in XXXX XXXX after 6 months living there water was flooded inside the apartment in 2 rooms i being calling the office for them to come fixed they come and do little vaccum and wipe and left and the water comeback flooded again they dont do nothing about it after end my lease theyre saying they dont renew the lease i move out and they send me a bill saying i own them XXXX for something that wasnt my fault because i was living in the water and mold for 6 months i think theyre do wrong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to formally address the ongoing issue Im having with Procollect, and to lodge a complaint regarding the harassment I have experienced. Despite my repeated efforts to resolve this matter, I have been subjected to repeated phone calls, threats, and rudeness from your representatives. 

Specifically : 1. Harassment and Rude Behavior : On several occasions, their representatives have contacted me using aggressive and threatening language. I have been repeatedly threatened with legal action and wage garnishment without any clear or accurate justification. Additionally, I have been treated with disrespect and unprofessionalism during phone calls.

2. Failure to Provide Requested Documentation : I have requested, on multiple occasions, the necessary documentation supporting the debt in question ( such as the original signed contract, proof of the balance owed, etc. ). To date, I have not received any of these documents, which is a clear violation of my rights.

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 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I ordered merchandise from XXXX, and it was never delivered. I received email after email and text after text stating that the items were returned to the sender. I asked XXXX for a refund and it was never provided so I disputed the charge with my bank XXXXHASE. When I started the dispute, I asked the Chase Rep If I could send paperwork proving my point and I was told No need. I continued to try to get XXXX to provide refund and they stop speaking to me and told me i needed to talk to my bank. I received a letter on Saturday from Chase telling me the temp credit I received would be recouped. Since then, I've been on the phone with Chase every single day speaking to representatives trying to get the issue resolved meanwhile my checking account is overdrawn by - {$210.00}.

Company response to consumer: Closed with explanation