vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-13 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-13 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Person that I knew went to a XXXX  for XXXX  bill needed to get XXXX  for XXXX  and paid for XXXX  on another card, They requested to pay the billing department any balance and did pay them on their on credit card. The amountof {$6000.00} was charged to my account an American Express card Got a letter XX/XX/XXXX but has not been resolved I never signed or saw statement it was not my debt and needs to be reversed. I have been with American express 41 years this should be reversed on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have had 4 dispute cases where USAA is refusing to investigate properly or respond to my inquiries. 

They are : XXXX XXXX XXXX XXXX I filed these dispute cases and supplied all evidence required, such as receipts, tracking numbers for returns, and descriptions. 

They sent letters requesting tracking numbers, which I had previously supplied, so I supplied them again ( see above ). They then said they were closing the dispute since the information was not provided ( this is false ). When I called USAA the representatives confirmed my confusion and stated that they had no idea why the dispute was closed when I supplied all the necessary information. They said someone would reach out to confirm any information. No one has reached out or probably ever will. 

I also sent multiple letters to their USAA Credit Card Reassert address with the required information, but they have still not responded not updated my cases. 

I now have no choice but to file with the XXXX  and the CFPB, and XXXX to try to plead my case. 

Note that XXXX has also closed my account and when they had the orders they split them into dozens of emails, preventing me from providing a proper receipt with the correct amount as listed in the charge.

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 2025-01-13 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: MI

Complaint narrative:
XXXXSubject : XXXX Notification of Deleted Account from XXXX Credit Report and Request for Action by Credit Reporting Agencies Dear Credit reporting department , I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies of the recent deletion of a charge-off account from my XXXX credit report. The account in question is related to XXXX XXXX and XXXX  XXXX XXXX and had a balance of {$13000.00}. 

On XX/XX/year>, XXXX completed an investigation of a dispute I filed regarding this account. As a result of the dispute, the account was deleted from my XXXX credit report. This deletion indicates that the information regarding this account was unverifiable or inaccurate. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the major credit reporting agencies ( Experian, XXXX, and XXXX ) also investigate this account and remove it from my credit reports. Since XXXX deleted the account, it is clear that the information is no longer verifiable, and as such, the credit reporting agencies should do the same. The FCRA requires that information reported on credit reports must be accurate, complete, and verifiable. 

Specifically, I am requesting that you take the following actions : XXXX. Investigate the XXXX  XXXX and XXXX  XXXX XXXX charge-off account that appears on my credit report. 
XXXX. Remove the account from my credit report if it is not verified or proven to be accurate. 
XXXX. Complete this process within 30 days of this letter, in accordance with the requirements of the FCRA. 

As a consumer, I am protected by the following key consumer laws XXXX XXXX XXXXFair Credit Reporting Act ( FCRA ) XXXX  : Under 15 U.S.C. 1681i, if information in my credit report is found to be inaccurate or unverifiable, it must be removed. The FCRA requires that credit reporting agencies ensure that the information they report is complete and accurate. 
XXXX XXXXFair Debt Collection Practices Act ( FDCPA ) XXXX XXXX  Under 15 U.S.C. 1692e, if the debt is not verifiable, the creditor or debt collector is prohibited from reporting it to credit bureaus. 

If this information is not removed from my credit report within 30 days, I will consider pursuing legal action under the FCRA and FDCPA. These laws provide consumers with the right to file a lawsuit for damages, including statutory damages, actual damages, and attorney fees, if a credit reporting agency fails to comply with the law regarding the accuracy and completeness of information. 

I urge you to act swiftly in this matter to avoid further legal actions. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX  Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. I demand the following collections entries to be deleted : XXXX XXXX XXXX  : ACCOUNT NUMBER XXXX XXXX XXXX consumer XXXX : ACCOUNT # XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 7 business days of receipt of this letter. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, 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 2025-01-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. I demand the following collections entries to be deleted : XXXX XXXX XXXX  : ACCOUNT NUMBER # XXXX XXXX  consumer XXXX : ACCOUNT # XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 7 business days of receipt of this letter. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It refuses to delete outdated addresses, phone numbers, and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We purchased a car on XX/XX/XXXX and got an auto loan from Chase. We paid off the loan on XX/XX/XXXX. We have been trying to get a lien release letter/ get the title for months. I have spoken to Chase on the phone several times and have sent multiple secure message to Chase. We have received inconsistent and misleading information from Chase and believe we are making no progress. Pasted below is a summary of my communications with Chase. 

Communication by Phone : XX/XX/XXXX Chase stated they sent the lien release letter on XX/XX/XXXX, but we never received it, so we requested they send it again XX/XX/XXXX Chase stated it would take two days to process the XXXX XXXX letter XX/XX/XXXX Chase told me to keep checking with the DMV, noting the timing varies by county XX/XX/XXXX Chase stated the lien release would be electronically transmitted to our local DMV in XXXX, Colorado soon Communication in Writing ( online via Chase Secure Messaging ) : XX/XX/XXXX Chase stated a duplicate title request was submitted to the Colorado DMV on XX/XX/XXXX and said they were advised it may take 4 to 6 weeks to process a duplicate title. 
XX/XX/XXXX After the DMV informed me that they were still seeing a lien holder attached and that I need to get a lien release letter from Chase, I asked Chase for an update and was told, We are still completing your duplicate title request. At this time, we are waiting for it arrive. 
XX/XX/XXXX I requested one more update before filing a formal complaint and received the following reply, At this time, we are waiting for the issuance of the duplicate title by the Department of Motor Vehicles ( DMV ). Currently, a lien release would not be accepted by the DMV as there is no title issued for the vehicle. Please allow time for the issuance and receipt of the duplicate title from the DMV.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within 15 days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ).

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.

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 2025-01-13 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:
Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX  I did not approve or authorize this credit card the amount XXXX XXXX balance is XXXX the date account was closed is XX/XX/2024

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 2025-01-13 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:
Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX XXXX balance is XXXX the date account was closed is XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX XXXX  balance is XXXX the date account was closed is XX/XX/2024

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