vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
I closed my account with XXXX XXXX in XX/XX/XXXX. Everything was transferred and paid. No balance.. 
XXXX even sent me the letter stating that the account have been closed and transferred. 
I received that letter on XXXX XXXX I have the Letter as proof. 
And XXXX continues the Harrasment against me. I sent all info. To XXXX and the complaint dispute was granted in the favor in XX/XX/XXXX. 
XXXX continues the Harrasment against me. 
This need to stop I have the Letter proof of account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Experian for its failure to conduct a thorough investigation into inaccurate items on my credit report and its lack of response to my inquiries, despite repeated requests and provision of necessary documentation. 

On XX/XX/2024, I diligently submitted a dispute letter to Experian, requesting an investigation into inaccurate items on my credit report. Additionally, I requested specific details regarding the verification process for the information on my credit report, including the date of verification with the creditor and the furnisher, contact information of the creditor and the furnisher, the name of the person who verified the information, the method of communication used for verification, and whether the creditor and the furnisher provided my Date of Birth, SSN, and Address. Despite providing all necessary documentation, including a copy of my photo ID, social security card, and recent bill with my current address, Experian has failed to respond to my dispute and inquiry. 

The FCRA explicitly states that if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to conduct a thorough investigation into the disputed items on my credit report and its lack of response to my inquiries are violations of my consumer rights. As a consumer, I have the right to know how information on my credit report is verified and to receive timely and accurate responses to my disputes and inquiries. 

I am including a copy of my dispute letter sent to Experian as proof of my efforts to resolve 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 explanation
Consumer complaint received 2024-04-24 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: IA

Complaint narrative:
Experian credit reports include debt collection that does not belong to me. And refuse to remove unwarranted collections from my name. In my " credit overview '' it breaks the score into XXXX aspects. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report says all XXXX aspects are either good or fair. And the fact that the ALGORITHM used to determine this " score '' is not CONSUMER ENTITLED INFORMATION to review for imparities IS UNFAIR TO CONSUMERS.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-04-24 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: OH

Complaint narrative:
As an authorized agent for XXXX XXXX XXXX XXXX, I am concerned about the negative accounts showing on my XXXX  credit profile through your company with XXXX number XXXX. After thorough review, it has come to my attention that these accounts are not being accurately reported. I am requesting to dispute these accounts and have them removed from my profile. They have already been removed from XXXX 's and Experian business credit, and I kindly ask for your cooperation in updating your records to reflect my business credit report as paid and up to date. I urge you to remove all delinquent or collection accounts from my profile and I thank 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased a bed from XXXX XXXX on XXXX in the amount of {$4000.00}. When purchased, financing was offered by XXXX XXXX through Synchrony Bank at XXXX XXXX financing for XXXX months. As of this date all payments have been made on time with no missed or late payments and are automatic withdrawal straight from my bank account. I received a letter from Synchrony Bank on XXXX advising that they are changing the terms of the agreement and are going to charge a 2 % XXXX XXXX retroactive to the original date of purchase. I contacted the bank regarding this change of terms on XXXX with no resolution. I feel that this charge is a violation of contract and should be XXXX  as it does not conform to the original terms. The only recourse is to close your account which negatively impacts your credit.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion for its refusal to conduct an investigation into inaccurate items on my credit report, despite repeated requests and provision of necessary documentation. 

On XX/XX/year>, I sent a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took care to include a copy of my photo ID, social security card, and a recent bill with my current address to facilitate TransUnion 's verification of my identity and address. Despite these efforts, TransUnion refused to conduct an investigation into the disputed items. 

Subsequently, I received a response from TransUnion dated XX/XX/year>, which stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is concerning as it fails to address the substance of my dispute and disregards the evidence provided. 

In an attempt to resolve my concern, I sent another dispute letter dated XX/XX/year>, to TransUnion. However, I have not received any response from them. I am including a copy of my dispute letter sent to TransUnion, along with XXXX response, as proof of my efforts to resolve this matter. 

TransUnion 's refusal to conduct an investigation into the disputed items on my credit report is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to investigate disputed items upon receipt of a valid dispute from the consumer. TransUnion 's failure to fulfill this obligation is unacceptable.

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 2024-04-24 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: FL

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 XXXX 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 2024-04-24 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-24 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-24 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:
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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 XXXX 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
Consumer complaint received 2024-04-24 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:
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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 XXXX 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 2024-04-24 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX and Experian.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have made an identitytheft.gov report based on multiple fraudulent accounts appearing on my Transunion credit report. I was involved in the XXXX data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 


[ XXXX  XXXX - XXXX -Opened XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX -Opened XXXX XXXX ] [ XXXX - XXXXOpened XXXX XXXX XXXX ] [ XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX XXXX XXXXXXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX  - XXXX - Opened XX/XX/XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX - Opened XXXX. XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] I am attaching my original Tranunion letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match 100 %, which they failed to do. I want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they still fail to fix each account so that they are matching the other two bureaus 100 % or delete each of these accounts immediately, then I will have no other choice but to take legal action to correct these violations of my rights. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.

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 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My account with Banco Popular en Puerto Rico was locked due to suspicious transactions using the internet to acquire goods over {$700.00} dollars. 

The bank never contacted me again and allegedly had no more information to provide concerning the unauthorized transaction. 

Also, the are allowing other transactions from XXXX XXXX not authorized by me, even if it is directly through the bank or any of the XXXX XXXX or physical stores. 

Financial transactions and statements are not clear and/or explain the transaction details or precedence of the transactions or payments authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app need to gi e me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from 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