vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXXXXXX XXXX has been submitting falsified information on due dates for the accounts XXXX XXXX XXXX which was Closed XX/XX/2024 should have reported XX/XX/XXXX and XXXX XXXX which Closed XX/XX/2024 should have been reported XX/XX/XXXX as well these entries are missing on my credit report. The account XXXX has been paid and XXXX balance. This Needs to be updated IMMEDIATELY. That account was reporting late when it was paid I will provide supporting documentation. XXXXXXXX XXXX is due the XXXX of every month however it is reporting on the XXXX as late.This is a violation of my rights as a consumer. The account has been paid on time I will provide proof as well. You must be in compliance with the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: IN

Complaint narrative:
XXXXXXXX XXXX has been submitting falsified information on due dates for the accounts XXXX XXXX XXXX which was Closed XX/XX/2024 should have reported XX/XX/XXXX and XXXX XXXX which Closed XX/XX/2024 should have been reported XX/XX/XXXX as well these entries are missing on my credit report. The account XXXX has been paid and XXXX balance. This Needs to be updated IMMEDIATELY. That account was reporting late when it was paid I will provide supporting documentation. XXXXXXXX XXXX is due the XXXX of every month however it is reporting on the XXXX as late.This is a violation of my rights as a consumer. The account has been paid on time I will provide proof as well. You must be in compliance with the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recov Assoc has attacked my credit file with false reporting. They initially reported an owed amount that was discharged years ago. Once i challenged/disputed the legitimacy of the inaccurate information they changed the amount for another made up and unsubstantiated figures and re-reported it against my credit file. The have never provided any information regarding who they are or why they are reporting false information on my report. They are manipulating the system by reporting thousands of dollars owed and when challenged changing the amount to appear as a lesser and current debt. Furthermore they make it impossible for a consumer to identify them and hold them accountable due to the willful misrepresentation of their name. It is unclear if they are Portfolio Recovery Associates Inc or Portfolio Recovery Associates LLC. They report as Portfolio Recov Assoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/2014 apparently I'm supposed to have owed {$930.00} for an old XXXX bill that I have no knowledge of ever haven a XXXX account. I never had XXXX in my life. I only had XXXX and XXXX and I have already paid off the debt for XXXX so I have no idea where this amount came from. My identification was stolen from me back then and I dont have no knowledge of who done it. So it could've been anyone who used my name and social security number. So I need this amount disputed and tooken care of because once again I never had no XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to dinner at XXXX and XXXX on XXXX XXXX XXXX on XX/XX/year>. The total for the bill plus tip was {$67.00}. 
The next morning my card appears to be charged in the amount of {$370.00} on the same date as the charge of {$67.00}. {$370.00} was charged for a XXXX in XXXX, FL with zip code XXXX. I went to this XXXX on XX/XX/year> after filing a dispute with my Chase bank and them denying the fraud dispute. The XXXX stated they had no charge with the card number on that date nor did they find my name in the system for a stay with them in the past. I called my bank and they informed me that at the time {$67.00} was charged was the exact same time {$370.00} was charged which was at XXXX on XX/XX/year> and they both were in person charges. I never authorized a {$370.00} charge at XXXX as I can not be in XXXX places at the same time. 
I have been dealing with this fraudulent dispute with Chase bank for about a month now and they have not been helpful nor making any sense. They asked me to submit documents to prove that this was fraudulent and I did not process this payment. They were not clear in what specific documents so I submitted through the app a police report document that I filed and an email from the hotel that stated that I was not there. They told me that those documents were not sufficient and because the card has a chip on it, their system is showing that I was physically there. Which doesn't make sense because how can I be in XXXX places at the same time. This matter has not been handled properly by Chase XXXX XXXX department and I will continue to take this matter up the chain of command because if this can happen to me, neglectful work by the claims department, this can happen to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XXXX : XXXX XXXX Account Pursuant to 15 USC 1692g ( a ) To Whom It May Concern I am writing to formally dispute the validity of a collection account appearing on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ), I am requesting detailed validation of the debt in question.

National Credit Adjusters I am exercising my rights under the FDCPA to request the following information 1. Verification or proof of the alleged debts, including the original creditors name and address 2. Documentation evidencing that the collection agency legal authority to collect this debt 3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorities the creditor to assign or sell the debt to the collection agency. Furthermore, please provide verification that the statute of limitations on this debt has not expired.

I understand that under 15 USC 1692g ( a ), you are required to provide me with the requested information within 15 days of receiving this dispute. Failure to do so will result in the assumption that the debt is not valid and you must promptly remove it from my credit report. 
Please send all correspondence regarding this matter to the address listed below. I appreciate your prompt attention to this dispute and your compliance with the FDCPA regulations Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts to resolve the presence of fraudulent inquiries on my consumer report, these unauthorized entries continue to cause severe mental and financial distress. As a documented victim of identity theft who has reported these violations to the Federal Trade Commission, I have no connection to these entries, yet their presence has critically impacted my ability to achieve essential life goals like purchasing a home and providing for my family 's needs. The documentation submitted to the FTC clearly outlines the nature and scope of this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NE

Complaint narrative:
I found accounts and inquiries on my account that dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of a data breach .Kindly block and delete the account within 4 business days as required by FCRA 605B 15 USC 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX of 2024, I deposit an escrow check that was a refund from XXXX XXXX. My husband and I endorse the back of the check. My maiden name was written on the check. The check was supposed to be release on XX/XX/XXXX, since XX/XX/XXXX was a holiday. I called several times asking for the funds to be release. First, they stated that the funds have to be verified by the bank, okay which it did. Now they are asking to speak to the second person on the check, which is my husband. I never heard of this before after several deposit I did, when people where not on my account went through. We both sign the checks. Now the check is on hold until XX/XX/XXXX. My account has been overdrawn when my work check goes gets deposited, because they would not release my funds. It's NOT a frauded check, it's a refund from my escrow account on the home, my husband and I sold back in XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MD

Complaint narrative:
I am failing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.A as highlighted in the CFPBs resent administration preceding. 

Some accounts are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Subject : Dispute of Collection Account Pursuant to 15 USC 1692g ( a ) I am writing to formally dispute the validity of a collection account appearing on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ), I am requesting detailed validation of the debt in question. 

MRS BPO I am exercising my rights under the FDCPA to request the following information.

1. Verification or proof of the alleged debt, including the original creditors name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorities the creditor to assign or sell the debt to the collection agency. Furthermore, please provide verification that the statute of limitations on this debt has not expired. 
I understand that under 15 USC 1692g ( a ), you are required to provide me with the requested information within 15 days of receiving this dispute. Failure to do so will result in the assumption that the debt is not valid and you must promptly remove it from my credit report. 
Please send all correspondence regarding this matter to the address listed below. I appreciate your prompt attention to this dispute and your compliance with the FDCPA regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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 asked for a credit report cause I wanted to know my credit score while looking at the information provided I told them the XXXX on my credit for XXXX XXXX XXXX was not mine and they said I collect the money in full when I did not I literally had just got apartment with my roommate in XXXX  at the time they said this transaction happened and I can show proof I never received the money and on top of it there two address that aren't mine either one dated back XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IS NOT MINE I MOVED FROM XXXX XXXX XXXX XXXXXXXX IN WITH MY MOM AT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. AND ON TOP OF IT ALL ON XX/XX/XXXX it states that I moved to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX when I never did I moved from XXXX  to XXXX XXXX  XXXX I still use my XXXX license and I'm still having people try stealing my money and information and I'm getting XXXX cause I'm XXXX and I can't afford a lawyer to get all this fixed and all these people are ruining my life and my 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 2025-02-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was leaked in Data breach, & identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX Experian, XXXX  - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-02-17 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 identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account 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 2025-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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