vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/ I was reviewing my consumer report when I came across some accounts that were incomplete and not accurate. I sent dispute letters to XXXX credit bureau as well as EXPERIAN credit bureau, I then requested that they look into this inaccurate information that was being reported, for completeness and accuracy. I then received answers form both EXPERIAN and XXXX credit bureaus and noting was done about this matter. 

According to 15 USC 1681 e ( b ) it states 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 to.

According to 15 USC 1681 i ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( XXXX ) 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 agencies 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 investigation. Enclosed is a list of accounts that are not reporting accurately. XXXX  XXXX Bankruptcy account no : XXXX, Furthermore I am enclosing a letter from the creditor of this account which states that the Bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies, also Account XXXX money account no : XXXX XXXX  Please delete these accounts immediately because of violation of 15 USC1681s 2 ( a ) & ( b ), 15 USC 1681 i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC1681e ( b )

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 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC
State: WI

Complaint narrative:
UHG I LLC IS TRYING TO COLLECT A DEBT I DID NOT CHARGE ON THE CREDIT CARD. I HAVE CALLED THE ORIGINAL CREDITOR AND THEY DO NOT WANT TO DEAL WITH IT, SO THEY SELL IT TO A DEBT BUYER. I TRY TO WORK WITH THEM AND THEY WILL NOT INVESTIGATE THE FRAUD AND JUST SELL IT OFF TO ANOTHER DEBT BUYER. IT JUST KEEPS GOING IN CIRCLES AND THEY JUST HOPE I WILL PAY SO IT DES NOT RUIN MY CREDIT. I AM NOT PAYING FOR A CHARGE I DID NOT MAKE. I REQUESTED COPIES OF THE CREDIT CARD BILLS, STATEMENTS, CHARGES, SIGNED RECIEPTS, AND ANY XXXX, BUT THEY DO NOT RESPOND. NOW THEY WILL PROBABY SELL TO ANOTHER DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 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 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 explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the handling of my dispute, which is in relation to the rules mandated by the law. I have followed all necessary procedures, submitted the required documents, and complied with the legal requirements, yet I find myself facing undue delays and a lack of compliance on the part of Experian. 
XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX As an individual filing this complaint, I have adhered to all the stipulated guidelines, providing accurate and complete information to support my case. However, it appears that there is a continuous passing of responsibility without the matter being adequately addressed. This has not only caused significant inconvenience but also raised doubts about the effectiveness of Experian 's dispute resolution process. 
I kindly request that you review my case with the utmost urgency and ensure that it is handled in accordance with the law. The delays and lack of compliance are causing distress, and I believe it is in the best interest of both parties to resolve this matter promptly. 
Thank you for your understanding and cooperation.

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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
For the last XXXX years, the company has been charging me interest on cash advances. However, I have never received cash advances. The company claims that vendors sometimes inputs purchases as cash advances to expedite transaction. Resulting in cash advances being reflected in my account that were actually purchases. If that's the case, this is an issue that should be immediately addressed by the credit card XXXX. The company is fraudulently charging interest that they are not entitled to. If this is happening in my account, it's probably systemic in every customer account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am reporting a collection on my credit reports and challenging its validation. As of XX/XX/2024, there has been a collection account added to my credit report with the XXXX bureaus by XXXX XXXX. It is stated that the original creditor is PREMIER PROPERTY MANAGEMENT. The balance is {$1500.00}. The account numbers among the XXXX bureaus seem to not match- they are truncated. Also, it is very doubtful that the collection agency will be able to produce an original hand-signed contract. Lack of proof of contract means no authority to report or collect. Innacurate, incomplete, and unverifiable accounts are a direct violation of the Fair Credit Reporting Act. When an item on my report falls under XXXX of those XXXX categories, the credit bureaus MUST remove said item. Please assit me in having this erroneous and incorrect item removed from my report as it is negatively impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TX

Complaint narrative:
I am writing to express my profound dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the late opening of my account with your institution. Despite multiple requests for resolution, the issue remains unresolved, causing significant inconvenience and eroding my confidence in your institution 's service. 

I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed. Since then, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. 

Regrettably, each attempt to correct the late opening of my account has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. 

I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening requests. Timely updates are essential for maintaining customer confidence and ensuring transparency. 

I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. 

Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. 

I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. 

I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. 

If my concerns are not addressed satisfactorily, I XXXX have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : OFFICE OF THE ATTY XXXX XXXX Balance : {$74000.00} ; OAG CHILD XXXX XXXX Balance : {$74000.00}.

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 2024-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my profound dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the late opening of my account with your institution. Despite multiple requests for resolution, the issue remains unresolved, causing significant inconvenience and eroding my confidence in your institution 's service. 

I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed. Since then, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. 

Regrettably, each attempt to correct the late opening of my account has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. 

I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening requests. Timely updates are essential for maintaining customer confidence and ensuring transparency. 

I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. 

Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. 

I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. 

I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$74000.00} ; XXXX XXXX  XXXX XXXX Balance : {$74000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CA

Complaint narrative:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX2019 XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX XXXX  XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX 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 2024-01-16 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 am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TX

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.

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 2024-01-16 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: TX

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. 

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 response to consumer: Closed with non-monetary relief