vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is my third and final dispute, and I demand immediate and permanent resolution to the ongoing and unacceptable inaccuracies on my credit report. Despite my repeated disputes, Experian has failed to take appropriate action, allowing these errors to persist and cause continued harm. The fraudulent and unauthorized accountXX/XX/XXXX( Account Number : XXXX ) must be permanently removed from my credit report and all associated records without further delay. Additionally, all incorrect addresses must be deleted immediately, ensuring that only XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX, DE XXXX ( current address ) and XXXX XX/XX/XXXXXXXX, XXXX XXXX, DE XXXX remain. My current address must be accurately reflected in my credit file, as this issue has dragged on for far too long without justification. I demand written confirmation within ten ( 10 ) business days that these corrections have been fully completed and that the deleted accounts and inaccurate addresses will not reappear. Experians failure to act on my previous disputes demonstrates reckless negligence and blatant disregard for federal compliance requirements. I also expect a detailed explanation of why these errors remain and what corrective measures are being implemented to prevent further misconduct. If Experian does not immediately rectify these violations, I will pursue all legal remedies necessary, including litigation, to seek full damages for the prolonged harm caused by this failure to comply with the law. This is not just a disputeit is a demand for compliance and accountability, and I will not tolerate further incompetence or delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
Information listed on my credit report does not belong to me. Credit reporting agency has not verified information in accordance to law prior to reporting on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a {$500.00} AMEX gift card from my employer and I put it aside for a big purchase and then misplaced it for a while. The expiration date on the card of XX/XX/year> so it should be usable as the funds never expire. I called the number on the back of the card and asked them about my balance and why I was unable to use the card. I was told that the funds were considered unclaimed property and it was turned over to the state. I assume it went to Massachusetts because that's where I live. The card is not in my name because its a gift card and I'm not sure how to get the money. It should have never been sent to the state in the first place. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
XX/XX/year> - I called Central States Recovery, LLC to settle my accounts. The representative gave 1 option to settle my account for 80 % of the balance. When I attempted to negotiate by offering 50 %, the representative began to yell, interrupt, and eventually hung up refusing to discuss any further options. 30 mins later the representative called back ( unscheduled call back ), to continue to yell and inform me that she couldn't offer another option. 

XX/XX/year> - I called CSR to attempt to resolve my account with another representative. I was transferred to the same person as the day before, to which I asked to speak to someone else. During the transfer that same representative called me 2 more times which I would've had to hang up to answer. After sitting on hold for a few minutes, I ended the call to attempt to call the person I was being transferred to directly. I instead was transferred to another representative entirely. After attempting and failing to work with her, I called back to attempt to speak with the 2nd representative that I had fail to connect with previously. I again was transferred to the 1st representative who told me to call back at XXXX if I wanted to speak with the 2nd representative. I then requested to speak with a supervisor and she stated that their company does not have supervisors. At XXXX I called back and asked the receptionist if they had supervisors, she advised me that they do. I requested to speak with a supervisor and was then transferred to the 3rd representative again. At this point I requested to file a complaint on the 1st representative over the disregard for the FDCPA for the following. 
1. The harassing callback from the previous day. 
2. Falsified information when I asked to speak with a supervisor and was informed that there was no such position in their office only to have 2 other representatives confirm that there were ( the 3rd representative identified as a supervisor ).

While expressing my complaints the 3rd representative informed me that there was no one in their office that went by the name that the 1st representative gave me ( meaning the 1st representative either falsely identified herself or the 3rd representative was also giving me false information ). This 3rd representative then continued to use misleading tactics to further attempt collection on my account rather then address any further complaints I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME XXXX XXXX XXXX ( Bank ), I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am in the process of purchasing a home and asked my lender to pull my credit reports. I noticed that an old bankruptcy is still reporting on the three major bureaus. I am requesting that this tradeline be removed from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 XXXX. 

15 U.S.C XXXX section 602 A. States I have the right to privacy. 

15 U.S.C XXXX 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 XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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
Consumer complaint received 2025-02-20 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:
Subject : Formal Dispute & Debt Validation Request FCRA & FDCPA Compliance Required Account Name : XXXX XXXX XXXX XXXX Allegedly Owed : {$2300.00} Dear XXXX XXXX XXXX and Equifax, I am writing to formally dispute the above-referenced account appearing on my Equifax credit report. This dispute is being submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ) 809. 

XXXX XXXX XXXX XXXX for Debt Validation ( FDCPA 809 ) 1. Under the FDCPA 809 ( b ), I am requesting that you provide the following documentation within 30 days as proof of your right to collect this debt : Complete Account Statements from the original creditor proving the alleged balance of {$2300.00} is accurate.

2. Proof of Assignment or Purchase Agreement between you and the original creditor, establishing your legal authority to collect.

3. A Copy of the Original Signed Contract showing I agreed to this debt.

4. A 1099-C Form if this debt has been charged off and is uncollectible per IRS guidelines .

If you can not provide these documents, you must immediately delete this account from all consumer reporting agencies, including Equifax.

Equifax Formal FCRA Dispute ( FCRA 611 & 623 ) Additionally, I am disputing the accuracy and completeness of this reporting under FCRA 611 for the following reasons : The original creditor name is missing, violating FCRA 611 ( b ) ( 1 ) ( B ).

The balance is inaccurate, and I demand verification under FCRA 623 ( a ) ( 1 ) ( B ).

The account is marked as " Consumer disputes reinvestigation in progress '', and if this dispute has exceeded 30 days, it must be deleted immediately per FCRA 611 ( a ) ( 1 ).

Under the FCRA 611 ( a ), you are required to complete this reinvestigation within 30 days. If you can not verify the accuracy of this account with documented proof, you must remove it from my credit report immediately.

Notice of Legal Intent Failure to comply with my request will result in the following actions : I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of the FCRA and FDCPA.

I will consider pursuing legal action for damages under FCRA 616 and FDCPA 813, which allow statutory damages of up to {$1000.00} per violation plus actual damages.

Please send all written correspondence to my address listed above. If this account is not removed or validated within the required timeframe, I will escalate this matter accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an internet banking account with Ally Bank. 
They are currently withholding XXXX  % in Federal withholding taxes on my income annually. 
I want them to withhold XXXX  % of my interest income but they say they will only withhold XXXX  %. I can't image that they are legally able to set this limit. 
I called the bank and asked them to increase my withholding but they said that's their limit. 
I was under the impression that I could have any percentage withheld since it is coming directly from the RMD ( Required Minimal Distribution ) that I would be receiving.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I feel like all three credit bureaus are not being fair on my credit scores have not went up in XXXX on good payments history I have made and it's unfair to take XXXX points from my credit score just for a hard pull from the bank to apply for a increase on my credit limit which is approved by the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I feel like all three credit bureaus are not being fair on my credit scores have not went up in XXXX on good payments history I have made and it's unfair to take XXXX points from my credit score just for a hard pull from the bank to apply for a increase on my credit limit which is approved by the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
After reviewing my consumer reports, I noticed inaccurate late payment records on an account where I have always made timely payments. I have enclosed the inaccuracies in red in the attached file. Since consumer reporting agencies are responsible for maintaining accurate records, it is essential that my report reflects only verified and correct information. I have never missed a payment on the following account : XXXX, XXXX. Therefore, I request a detailed review of these discrepancies and ask that you provide documented proof, such as billing statements, to support the reported alleged late payments. If no such evidence exists, I insist that these records be updated immediately to reflect my consistent on-time payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
RMP Services LLC has been attempting to collect a medical debt since XX/XX/year>. I was not made aware of the debt until the collections agency contacted me. The collections agency does not own this debt but they reported it to the credit bureau. I have attempted to contact them to verify the debt and to dispute the amount but they have not been reachable. They have called me at least once a week since XXXX despite telling them to stop calling me while I work with the hospital to resolve the debt. I am filing a complaint to attempt to coerce the company to verify this debt and to honor my request to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I never authorized the inquiries your company has placed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Credit Card company had me go through hassles for hours and scammed me twice regarding their rewards : 1. Capital One was advertising 6 % rewards for XXXX transactions if I clicked on their link and made the transactions. On XX/XX/scrub> 2024, I clicked on the link with 6 % statement credit back and made two transactions- {$2500.00} & {$2300.00} ( total {$4800.00} ). I bought soccer game tickets. The game was on XX/XX/year>2024. Called them a couple of time and every time they said something new and in the end, told me that I did not need to worry ; after 90 days of the event, it would be posted in the account which was never posted. 

Called this evening and I was giving all the illogical reasons. First, they told me it's been six months and they can not help me with that ; then told me it was not a qualified purchase ; then told me it was not from the primary cardholder. I requested them to provide me with a written response of why the transactions were not qualified and they refused. 

2. Similar things happened last year. The card comes with a big annual fee ( {$390.00} / year ). To compensate for that they provide a {$300.00} travel credit each year. I was asking the agent about the expiration date. I was advised I could use the credit until a specific day. However, when I logged in to the website and tried to use the credit on the deadline, it was showing me as expired. Immediately called them and they refused to provide any kind of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have made 3 purchases using this card, using capital ones offer website in order to gain rewards back but they have failed to provide the advertised rewards on two occasions. I contacted them via chat and they admitted it was difficult to track and could provide no answers why. 

XXXX XX/XX/XXXX ( XXXX ) paid out correctly. 

XXXX XX/XX/XXXX ( XXXX ) and XXXX XX/XX/XXXX ( XXXX ) did not pay out, despite getting a reference number and purchasing using the link provided. Please see the screenshots.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEMS Account # XXXX Amount owed- {$2600.00} NATIONAL CREDIT SYSTEMS Account # XXXX Amount owed- {$1800.00} XXXX XXXX XXXX Account # XXXX Amount owed- {$720.00} XXXX COLLECTION SERVIC Account # XXXX Amount owed- {$340.00} XXXX XXXX Account # XXXX Amount owed- {$410.00} XXXX XXXX # XXXX Amount owed- {$530.00} XXXX XXXX XXXX Account # XXXX Amount owed- {$680.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX Amount owed- {$1500.00} I have never owned this account, and it is linked to an address where I have never resided. I was a minor when these accounts were established. I attempted to reach out to customer support, but they were completely unhelpful.

Company response to consumer: Closed with explanation