vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My credit limit was unilaterally decreased by {$6400.00} without previous notice thus resulting in transactions being denied. When I called, I was advised that a letter was sent out on XX/XX/XXXX however the decrease was unbeknownst to me until XX/XX/XXXX. I did not receive this letter they claim was mailed. They gave no other information except that I have to call the number in the letter for the " reasons '' of the decrease. I am a long time customer and for this to be unilaterally done to me is unjust

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation
State: KY

Complaint narrative:
I first found the debt on my credit report where I tried to dispute it. After filing the dispute the company reached out to me where I notified them the debt isnt owed and shouldnt have been on my credit report. They informed me that the best they can do is offer a settlement. I told them I wouldnt be paying anything and I need the validation of debt letter because this debt isnt mine and she informed me I shouldnt ask for that letter because they will no longer be willing to work with me on amounts or payment plans. I told her I didnt care Im not paying it and please send the letter. She once again tried to argue I really shouldnt ask for it Ill be required to pay the entire balance and at this time I told her for the 3rd to send the letter to validate the debt and she said she would. It has been almost 60 days and I have yet to receive the letter and the collection is still on my credit report for {$11000.00} of debt that shouldnt be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-11-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist., ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$250.00}, XXXX XXXX {$150.00}, XXXX XXXX {$16000.00}, XXXX XXXX  {$12000.00}, XXXX XXXX {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that in fact, therefore exist., ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$250.00}, XXXX XXXX {$150.00}, XXXX XXXX {$16000.00}, XXXX XXXX {$12000.00}, XXXX XXXX {$16000.00}

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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-27 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: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2024-11-27 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DSR HOLDINGS GROUP, LLC
State: WI

Complaint narrative:
I received calls from this merchant stating they have my XXXX  account. They are also calling and texting my family and making smart comments on the phone that were threatening. I have never got anything in the mail from XXXX or email sharing they would work with me. I haven't received any other correspondence with this company and I have been told that a legitimate company should not be calling my family about my debts. I have never been contacted by this company or they haven't left legitimate messages. I have attached their recent correspondence with me as of today and yesterday. I just talked to them yesterday yet they still continue to threaten wage garnishment. I have included the email that contains who the account is with and its not XXXX XXXX like they are stating. 

The company that called me was from a XXXX number and stated only their 1st name of the individual on the phone then I had to ask what company they are with. The company that should have my account is XXXX XXXX XXXX and now DSR Holdings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-11-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ID

Complaint narrative:
Formal Complaint Against Toyota Financial Services for Unresolved Refund.

I am filing a formal complaint against Toyota Financial Services ( TFS ) for their repeated failure to process a refund of {$2900.00} for a canceled service contract. This issue has been ongoing for over three months, with numerous delays, reversals, and lack of accountability from TFS. 
Background and Timeline : - Service Cancellation : I purchased a service contract through a Toyota dealership but canceled it on XX/XX/year>, after determining it was unnecessary. XXXX XXXX XXXX confirmed the cancellation and promised to issue a refund to TFS. 
- XX/XX/year> : XXXX XXXX XXXX issued a refund check, but TFS rejected it due to insufficient funds. 
- XX/XX/year> : I requested XXXX XXXX XXXX to reissue the check, which they promised to do, but the refund never appeared on my account. 
- XX/XX/year> : XXXX XXXX XXXX issued a third check and confirmed delivery. 
- XX/XX/year> : TFS  confirmed receipt of the check and assured me the balance would be removed from my account within 24 hours. 
- XX/XX/year> : I checked my TFS account balance through the app and saw the refund was applied. I took a screenshot for documentation. 
- XX/XX/year> : Upon checking my account, I found that the refund had been reversed. I contacted TFS customer service, and they claimed the check was rejected due to insufficient funds, providing no further explanation. 
Key Issues : - Repeated Reversals and Delays : TFS has confirmed receipt of multiple checks but has either rejected them or reversed the refund without explanation. 
- Lack of Accountability : TFS continues to partner with XXXX XXXX XXXX, whose inability to issue valid checks is causing significant delays and stress for customers. 
- Ongoing Financial Burden : I canceled this service in XX/XX/year>, yet the balance for the canceled service still remains on my account, causing unnecessary financial strain. 
- Poor Communication : TFS has provided no written confirmation of the refunds status, leaving me to follow up repeatedly without clear resolution. 


Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject : Incorrect Reporting of Business Credit Card Information on Personal Credit Report Date : XX/XX/2024 To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with my personal credit report. It has come to my attention that a business credit card account, which is solely associated with my business, has been inaccurately reported on my personal credit report, negatively affecting my credit score. 

Details of the Discrepancy : Business Credit Card Issuer : JPMCB CARD Account Number ( last four digits ) : XXXX Account Status : 60 days past due as of XX/XX/2024, XX/XX/2024, XX/XX/2024 - 30 days past due as of XX/XX/2024 Personal Credit Report Affected : Credit Bureau ( XXXX ) Reporting Incorrect Information : XXXX, XXXX, XXXX Date of Report : XX/XX/2024 The account in question was opened for business purposes only, and it was not meant to be reflected on my personal credit report. As the credit card is under the businesss name and tax identification number ( TIN ), I believe it is a clear violation of my rights for this business debt to be reported on my personal credit file. 

I have attempted to resolve this issue with XXXX directly, but have not received a satisfactory resolution. I have also provided them with documentation to support that this is a business credit account, including my business registration details, and the request to remove the account from my personal credit report. 

I am requesting that the Consumer Financial Protection Bureau assist in the following actions : Investigate the erroneous reporting of the business credit card account on my personal credit report. 
Work with the credit bureaus and the credit card issuer to ensure that this information is removed from my personal credit file. 
Ensure that the credit card issuer is in compliance with relevant laws and regulations regarding the reporting of business accounts to personal credit reports. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this issue. Please contact me at XXXX or XXXX should you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-27 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: NY

Complaint narrative:
Its outrageous that accounts in litigation are still on my credit report, damaging my credit score due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.

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 2024-11-27 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: CA

Complaint narrative:
Subject : Ongoing FCRA Violations by TransUnion and XXXX XXXX XXXX - Investigation Delays and XXXX XXXX XXXX XXXX XXXX : - TransUnion LLC - XXXX XXXX XXXX - Account Number : XXXX - Original Dispute Date : XX/XX/year> - Current Status : Unresolved Chronology of Violations : 1. Initial Dispute and Investigation Failures : - Filed initial online dispute : XX/XX/year> - TransUnion provided initial results ( screenshot attached ) but failed to correct errors - Submitted follow-up paper dispute via certified mail - No response from Elan Financial despite 30+ day statutory requirement - TransUnion continues reporting incorrect information without dispute flag 2. Systematic Obstruction of Dispute Process : - TransUnion has removed access to XX/XX/year> dispute results from online portal - Switched to sending results via email with non-functional links - Previous dispute documentation no longer accessible through their system - Continue updating erroneous account information during active dispute period XXXX. Specific Reporting Violations : - Account shows contradictory status : charged-off yet actively updating - Mathematical discrepancies persist : * Original Balance : {$4500.00} * Current Balance : {$4500.00} * Post-closure high balance : {$5900.00} - No dispute flag despite ongoing investigation - Monthly updates continue during unresolved dispute period 4. Timeline of Non-Compliance : - XX/XX/year> : Initial online dispute filed - XX/XX/year> : Received inadequate investigation results- XX/XX/year> : Submitted paper dispute - XX/XX/year> : No response from XXXX XXXX - XX/XX/year> : TransUnion removed access to previous results- Current : Account continues to update incorrectly without dispute flag Violations of FCRA : 1. Exceeded 30-day investigation requirement ( 15 U.S.C. 1681i ( a ) ( 1 ) ) 2. Failed to maintain accurate dispute records 3. Continued reporting disputed information without investigation completion 4. Failed to provide accessible investigation results 5. Did not properly flag account as disputed Supporting Documentation : - XX/XX/year> online dispute submission records- XX/XX/year> TransUnion results screenshot - Certified mail receipts for paper dispute - Current credit report showing continued incorrect reporting - Email communications with non-functional dispute result links This pattern demonstrates a systematic failure to comply with FCRA investigation requirements while actively hindering dispute resolution through deceptive practices. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA 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 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I just recently reviewed my credit report and I noticed there's inaccurate information about Collections ; XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, that needs to be removed IMMEDIATELY. Ony accurate, complete, and verifiable information is included in my credit report according to FCRA. Please remove inaccuracies and update my other accounts to paid in full. Outdated negative information must be removed. Please investigate this matter and provide documentation validating the debt. If it can not be verified, I request the removal of these accounts from my report, and {$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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-27 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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