vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-27 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: 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 2024-12-27 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: GA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2024-12-27 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-27 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: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally express my dissatisfaction with the service I have received concerning my British Airways Visa credit card. I have been a loyal customer for several years, consistently making payments and managing my account responsibly. However, I am currently facing significant challenges that I feel have not been adequately addressed by your team. 

Due to my commitments in XXXX XXXX, I have recently been unable to pay my credit card balance, which has made it difficult to manage my finances effectively. The high interest rate exacerbates this situation, making it even more challenging. Additionally, I am frustrated to report that I am unable to redeem any of my points, making it feel like the rewards system is ineffective. Given these issues, I feel that this credit card is more of a scam than a beneficial product, and I am unclear about the connection between this card and XXXX, which raises further concerns for me. 

During my last conversation with a customer service agent, I explained my challenges and requested assistance in obtaining a lower interest rate or any help that could be provided. The agent indicated that my timely payments had been noted, and they could assist me. However, I was advised that the only way to consider a lower rate was by missing a payment and then returning the call to discuss my request. I followed this guidance, calling back to discuss the possibility of lowering my interest rate, especially since I did not have the funds available at that time. Unfortunately, I did not receive a follow-up as promised and have found it challenging to reach your team regarding my situation, with my requests for assistance going unanswered. 

As a long-standing customer who has always made an effort to honor my commitments, I believe I deserve more support during this difficult time. I kindly request that you reconsider my situation and provide any possible assistance, including options for lowering my interest rate or resolving the issues related to my points redemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Debt Validation Request To Whom It May Concern, I am writing in response to a notice regarding an alleged debt that your office is attempting to collect. I am formally requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). Please consider this letter a written dispute of the debt and a request that your office provide verification and detailed documentation of the debt in question. Specifically, I request that you provide : XXXX. **Verification of the debt amount**, including a breakdown of any fees, interest, or other charges that have been added. XXXX. **Proof that I am legally obligated to pay this debt**, including documentation of the original creditor 's name, address, and any signed agreements or contracts. 3. **A full account history** that shows how the debt amount was calculated from its inception to the present balance. 4. **Documentation of your authority to collect on this debt**, including a copy of any transfer or assignment of the debt from the original creditor. Please also provide any information you have regarding the date of the last payment made on this debt. Until I receive the requested validation, I will consider this matter unresolved, and I kindly ask that all collection activities cease as required under the FDCPA. I am requesting that you respond within 30 days of receipt of this letter. Thank you for your attention to this matter. Please direct all correspondence to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I was contacted by a debt collector attempting to collect on a debt that appears to have been sold and for which they have provided no proof of ownership or validation. Despite my requests for documentation substantiating their claim, including proof of the original creditor and a chain of title demonstrating their authority to collect, they have failed to produce any evidence. This raises concerns about the legitimacy of their claim and their compliance with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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 am writing to formally notify you that I am a victim of a data breach and request that the following inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As these inquiries were made without my authorization or consent due to the breach, I am exercising my rights to have them removed. 
The inquiries in question are : XXXX. XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. With the accounts XXXX with a balance of {$2.00} And also account XXXX with a balance of {$470.00}. 
I'm not aware of who the company even is and how they got access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
The company XXXX XXXX  has yet to respond to any of my letters regarding the legitimacy of the debt. With the accounts XXXX with a balance of {$2.00} And also account XXXX with a balance of {$470.00}. 
I'm not aware of who the company even is and how they got access to 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute credit report at Equifax. which is in XXXX the company put me in derogatory mark is closed report dispute approved but when I dispute through equifax 2 times and equifax still wanted my orove identity and proof of SSN which is I attached. I disputed because of not my debt someone could be use my information. But for some reason without telling me put my address in my driver license on credit report, which is I never use that address dor mailing address. and in equifax still I have one derogatory mark. I dispute it that credit report. I feel equifax just wanted money that they said if I am subscribe the credit monitoring they will help me. I dont want it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I entered into a financial hardship payment agreement back in XX/XX/XXXX. For ( 12 ) payments of {$140.00}. I was told this would take me out of delinquent status as well as waive any accumulated interest and late fees. I have made 9 of the 12 payments currently. Last payment scheduled for XX/XX/XXXX per the agreement. They are still reporting to credit bureau Im in a delinquent status. They are still reporting all accrued interest and late fees. They are also showing a balance of {$1400.00} instead of the ( 3 ) payments that remain which is {$440.00}. I tried to file dispute with credit bureau but PayPal Mastercard said it was accurate. I call PayPal directly they said they dont know if its correct that they were told it wouldnt show then told now that it would be reported incorrectly. I was not given a name or contact info or mailing address to file a dispute.

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 2024-12-27 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: PA

Complaint narrative:
To Whom It May Concern I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. S Section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub Section 1681-B, to demand the immediate removal of the hard inquires listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. ADDITIONAL UNAUTHORIZED HARD INQUIRIES FOR REMOVAL : 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 2024-12-27 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: PA

Complaint narrative:
To Whom It May Concern I am XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. S Section 1681-2 ( a ) and ( c ) and 15 U.S.C. Sub Section 1681-B, to demand the immediate removal of the hard inquires listed on my credit report. These accounts were added without my express written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. ADDITIONAL UNAUTHORIZED HARD INQUIRIES FOR REMOVAL : - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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 explanation
Consumer complaint received 2024-12-27 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: EQUIFAX, INC.
State: KY

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