vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
INCORRECT PERSONAL INFO ADDRESSES XXXX XXXX XXXX XXXX XXXX TX XXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX TX XXXX ( XXXX  ) XXXX XXXX XXXXXXXX TX XXXX ( XXXX  ) FRAUDULANT ACCOUNTS XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ACCT # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
I received two Amex gift cards ( each in the amount of {$75.00}, for a total of {$150.00} one over a year ago in XX/XX/XXXX, and the other two years ago in XX/XX/XXXX ) but have still been unable to use them anywhere ( most recently including XXXX, the XXXXXXXX XXXX, and XXXX ). I've tried resolving this issue at XXXX and by calling the listed number on the back of the cards, to no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
What is debt re-aging?

As mentioned above, debt that has gone into collections can only stay on your credit reports for seven years plus 180 days after DOFD. ( Unfortunately for us all, however, this does not mean that you no longer have to pay the debt after that time period passes. ) Debt re-aging, however, means that the DOFD has been moved on your reports to show that a bill first went unpaid later than it actually didand thus it will stay on your credit report longer. For example, if you didnt pay a bill that was due in XXXXXXXX XXXX XXXXXXXX but your credit report shows that it was due in XXXXXXXX XXXX XXXXXXXX, that means your debt has been re-aged.

Debt re-aging is a complicated process to understand, largely because it can be harmful and illegal in some circumstances but helpful to consumers in others.

They are listing me as charged off multiple times. They are listing me as being charged off every month.The credit bureaus are conspiratory with this crime. I'm preparing to sue.

This is illegal and harmful to me and my family. Every month reporting me as being consistently charged off is inaccurate and illegal. I'm going to have to file something in my local court. 
XXXX has 4 accounts that are reporting inaccurately and they are reporting me as being charged off monthly XXXX {$11000.00} is being charged off every month which is illegal and inaccurate XXXX bank is inaccurate with the date of my last payment

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 2025-03-01 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: MI

Complaint narrative:
What is debt re-aging?

As mentioned above, debt that has gone into collections can only stay on your credit reports for seven years plus 180 days after DOFD. ( Unfortunately for us all, however, this does not mean that you no longer have to pay the debt after that time period passes. ) Debt re-aging, however, means that the DOFD has been moved on your reports to show that a bill first went unpaid later than it actually didand thus it will stay on your credit report longer. For example, if you didnt pay a bill that was due in XXXXXXXX XXXX XXXXXXXX but your credit report shows that it was due in XXXXXXXX XXXX XXXXXXXX, that means your debt has been re-aged.

Debt re-aging is a complicated process to understand, largely because it can be harmful and illegal in some circumstances but helpful to consumers in others.

They are listing me as charged off multiple times. They are listing me as being charged off every month.The credit bureaus are conspiratory with this crime. I'm preparing to sue.

This is illegal and harmful to me and my family. Every month reporting me as being consistently charged off is inaccurate and illegal. I'm going to have to file something in my local court. 
XXXX has 4 accounts that are reporting inaccurately and they are reporting me as being charged off monthly XXXX {$11000.00} is being charged off every month which is illegal and inaccurate XXXX bank is inaccurate with the date of my last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union never investigated the information I told them to dispute. I'm upset need all of these inquiries to be removed along with the collection from XXXX XXXX they never removed that does not belong to me as well. I know that there was a data breach and false information. Please remove all due to this

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 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, Acct ending in 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 2025-03-01 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: FL

Complaint narrative:
I requested that TransUnion Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to this matter.

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 2025-03-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX, Acct ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my XXXX, XXXX, and equifax credit report. XXXX XXXX XXXX, Inquiry dateXXXX. 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 XXXXXXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX 2013

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NJ

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 explanation
Consumer complaint received 2025-03-01 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: TN

Complaint narrative:
Your Statement : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX 131 % {$390.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$25.00} {$180.00} XXXX XXXX know that this account not mines! They still wish to pay I also asking for XXXX because of the failure to investigate please mail me my check

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 2025-03-01 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: TN

Complaint narrative:
Your Statement : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX 131 % {$390.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$25.00} {$180.00} XXXX XXXX know that this account not mines! They still wish to pay I also asking for XXXX because of the failure to investigate please mail me my check

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 2025-03-01 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: TN

Complaint narrative:
Your Statement : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX  131 % {$390.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$25.00} {$180.00} XXXX XXXX know that this account not mines! They still wish to pay I also asking for XXXX because of the failure to investigate please mail me my check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
I was part of a data breach and would like to have everything removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
Subject : Dispute Regarding Unfair Payment Reminders, Policy Violation, and Negative Credit Reporting Dear XXXX XXXX Customer Service, I am writing to formally dispute how XXXX or XXXX XXXX XXXX XXXX is handling my CFPB complaint and to address what I believe is an unfair and retaliatory practice following my filing with the Consumer Financial Protection Bureau ( CFPB ). I believe your company has violated my rights and failed to adhere to its own policies in this matter. 

Prior to filing my CFPB complaint, I never received any payment reminder notifications from XXXX XXXX, which resulted in me being unaware of any outstanding balance. However, after submitting my complaint, I suddenly began receiving payment reminders. This abrupt change in practice appears to be an attempt to manipulate the record and use it against me in response to my CFPB complaint. 

As a result of XXXX XXXX failure to properly notify me of my balance in the past, this situation has led to negative reporting on my credit report, unfairly damaging my credit standing. 

I demand that XXXX XXXX immediately review and correct any unfair practices related to my account, including : 1. Providing a written explanation for why I was not previously notified of any balance due and why payment reminders have only now started after my complaint.

2. Investigating and rectifying any negative credit reporting that resulted from this failure in communication.

3. Ensuring compliance with fair credit and consumer protection laws to prevent further harm to my financial standing. 

Attached below is a copy of the payment reminder with the current date. Please note that this is the first payment reminder email I have received in years, and it only appeared after the investigation began. 

I expect a prompt response addressing these concerns.

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 2025-03-01 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: NY

Complaint narrative:
Subject : Dispute Regarding Unfair Payment Reminders, Policy Violation, and Negative Credit Reporting Dear XXXX XXXX Customer Service, I am writing to formally dispute how XXXX or XXXX XXXX XXXX XXXX is handling my CFPB complaint and to address what I believe is an unfair and retaliatory practice following my filing with the Consumer Financial Protection Bureau ( CFPB ). I believe your company has violated my rights and failed to adhere to its own policies in this matter. 

Prior to filing my CFPB complaint, I never received any payment reminder notifications from XXXX XXXX, which resulted in me being unaware of any outstanding balance. However, after submitting my complaint, I suddenly began receiving payment reminders. This abrupt change in practice appears to be an attempt to manipulate the record and use it against me in response to my CFPB complaint. 

As a result of XXXX XXXX failure to properly notify me of my balance in the past, this situation has led to negative reporting on my credit report, unfairly damaging my credit standing. 

I demand that XXXX XXXX immediately review and correct any unfair practices related to my account, including : 1. Providing a written explanation for why I was not previously notified of any balance due and why payment reminders have only now started after my complaint.

2. Investigating and rectifying any negative credit reporting that resulted from this failure in communication.

3. Ensuring compliance with fair credit and consumer protection laws to prevent further harm to my financial standing. 

Attached below is a copy of the payment reminder with the current date. Please note that this is the first payment reminder email I have received in years, and it only appeared after the investigation began. 

I expect a prompt response addressing these concerns.

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 2025-03-01 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: NY

Complaint narrative:
Subject : Dispute Regarding Unfair Payment Reminders, Policy Violation, and Negative Credit Reporting Dear XXXX XXXX Customer Service, I am writing to formally dispute how XXXX or XXXX XXXX XXXX XXXX is handling my CFPB complaint and to address what I believe is an unfair and retaliatory practice following my filing with the Consumer Financial Protection Bureau ( CFPB ). I believe your company has violated my rights and failed to adhere to its own policies in this matter. 

Prior to filing my CFPB complaint, I never received any payment reminder notifications from XXXX XXXX, which resulted in me being unaware of any outstanding balance. However, after submitting my complaint, I suddenly began receiving payment reminders. This abrupt change in practice appears to be an attempt to manipulate the record and use it against me in response to my CFPB complaint. 

As a result of XXXX XXXX failure to properly notify me of my balance in the past, this situation has led to negative reporting on my credit report, unfairly damaging my credit standing. 

I demand that XXXX XXXX immediately review and correct any unfair practices related to my account, including : 1. Providing a written explanation for why I was not previously notified of any balance due and why payment reminders have only now started after my complaint.

2. Investigating and rectifying any negative credit reporting that resulted from this failure in communication.

3. Ensuring compliance with fair credit and consumer protection laws to prevent further harm to my financial standing. 

Attached below is a copy of the payment reminder with the current date. Please note that this is the first payment reminder email I have received in years, and it only appeared after the investigation began. 

I expect a prompt response addressing these concerns.

Company response to consumer: Closed with non-monetary relief