vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I have disputed this inaccurate information reported to my report several times and they are saying it has been verified yet it is not accurate so that is impossible. I have sent certified letters asking for verification and for them to be removed and it is still inaccurately reporting. They have not been properly conducting investigations and are reporting inaccurate information that is causing me financial harm and stress. Under 15 US code 1681 ( i ), 15 U.S. code 1681 b ( 2 ) and ( FCRA ) : Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus. 

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair or deceptive practices, including reporting unverifiable or inaccurate debts

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 2025-01-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed this inaccurate information reported to my report several times and they are saying it has been verified yet it is not accurate so that is impossible. I have sent certified letters asking for verification and for them to be removed and it is still inaccurately reporting. They have not been properly conducting investigations and are reporting inaccurate information that is causing me financial harm and stress. Under 15 US code 1681 ( i ), 15 U.S. code 1681 b ( 2 ) and ( FCRA ) : Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus. 

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair or deceptive practices, including reporting unverifiable or inaccurate debts

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 2025-01-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within XXXX  days. Enclosed are the relevant documents for your review and reference.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: IN

Complaint narrative:
Today on XX/XX/XXXX I received a email at XXXX revealing Case File XXXX XXXX XXXX ( CM ), Docket XXXX, total amount : {$980.00} ( Unpaid Loan ). This is a Legal Proceeding against fraud activity ( against me ). This is to inform me that I am expected to appear in the New York XXXX XXXX XXXX XXXX XXXX XXXX, New York NY XXXX, United States on Monday XX/XX/XXXX at XXXX EST. I haven't had a job since XXXX and I just got excepted for employment starting XX/XX/XXXX. The charges being brought against my name and social security number are : XXXX. Violation of XXXX Banking XXXX ' XXXX. Collateral Check XXXX XXXX. XXXX XXXX XXXX ( Theft by Deception ) This carries a maximum sentence of XXXX years in prison and a fine up to {$3100.00}. 

I only have XXXX accounts, XXXX is a on line account, which is with XXXX banking and with XXXX Bank, which just closed due to not funding my account. My XXXX account has been active for XXXX years. I opened a case with the Federal Trade Commission in XXXX, when I first discovered that I was beginning to suffer from " identity theft ''. I opened a case with the Consumer Financial Protection Bureau in XXXX XXXX. These attacks are potentially ruining my chances with jobs that do background checks and is preventing me and my family from living safely without being defrauded. I have even used XXXX, XXXX and XXXX credit freezes, but I've had to temporarily unlift the freezes to try to apply for a home. I'm the one who needs financial help of any kind on the basis of defamation of character and unlawful hate crimes acts that have been committed with my name and my social security number. I am strongly considering the option to change my social security number, because of these hate crime attacks. I also a veteran!! Where's the justice in this matter for myself? I'm going to claim, by the blood of XXXX, that I will still have a prosperous future. I will await to hear about the proper resolve that your agency XXXX come with. Thank you,. I will also send a copy of the email that I received about this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital Systems LLC - contacted me on multiple occasions about a debt I'm unaware of and continued contacting me after I asked then not to. Also, Jefferson Capital Systems is a 3rd Party collector and I did not sign anything to have this unknown debt sent over to a 3rd party company. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has contacted me and my job on multiple occasions after I opted out of being called. I'm also Unaware of this as well. 

XXXX XXXX XXXX THEY ARE THE WORST!!! I've asked them COUNTLESS TIMES to stop calling!! Also, I'm not familiar with the address they reported on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Every time that I file a dispute the results are always the same., verified or declared updated when it's never updated and this has been ongoing for the past XXXX  years or better! I've undoubtedly been XXXX by these XXXX reporting agencies and kept deliberately from just access to obtain better credit it makes these companies obsolete by their criminal intent against the public!

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Every time that I file a dispute the results are always the same., verified or declared updated when it's never updated and this has been ongoing for the past XXXX years or better! I've undoubtedly been XXXX by these XXXX reporting agencies and kept deliberately from just access to obtain better credit it makes these companies obsolete by their criminal intent against the public!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX. BANK XXXX XXXX XXXX. XXXX XXXX BANK 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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am writing to formally request an investigation regarding a medical collection being reported on my credit report by United Revenue. According to the Consumer Financial Protection Bureau ( CFPB ) guidelines, XXXX XXXX should no longer appear on credit reports as of XX/XX/scrub>XXXX XXXX 

Despite this directive, the account remains on my report, and it has negatively impacted my financial well-being. I have been denied several financial products solely due to the presence of this medical collection. 

I kindly request that the CFPB take immediate action to ensure compliance with the new regulations. Please investigate this matter and compel United Revenue and the credit reporting agencies to promptly remove this account from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will work to resolve this issue fairly and expediently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within 15 days. Enclosed are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
1. Experience report under bankruptcy 2XXXX XXXX XXXX report under bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as provided by your agency. The account in question is listed under Santander XXXX XXXX  and is marked as Charge-off. This account has been fully paid, and the balance is {$0.00}. Despite this, it continues to negatively impact my credit report. I kindly request the removal or correction of this inaccurate entry as it is no longer valid. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I checked my credit report and I saw for odd inquiry that says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that said XXXX XXXX miscellaneous. I dont know what is that and I cant get no info on that company when I tried to go on the website, this is my third time I try to inquiry and still not taken off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AP

Complaint narrative:
I've contacted XXXX XXXX on XXXXXXXX XXXX XXXXXX/XX/year> to confirm and inform them my credit report shows my account closed. I was reassured the account is open due too the account under SCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a Chase Business Ink credit card on XX/XX/XXXXXXXX XXXX XXXX and began using it on XX/XX/XXXX. I live in XXXX XXXX XXXXXXXX and have traveled to XXXX, XXXX, as well as XXXX XXXX and XXXX XXXX, California, where I also used the card. 

When I checked my credit account in XXXX, I noticed nearly {$7000.00} in fraudulent charges. These charges were made in states Ive never visited in my life, including Georgia, North Carolina, South Carolina, and some City in California. The transactions occurred at stores like XXXX, XXXX XXXX, XXXX, XXXX XXXX grocery stores, and some smaller merchants. I immediately contacted the Chase fraud department, and they marked the charges as fraudulent. At the time, I believed the issue was resolved and that the charges would be reversed. 

However, on XX/XX/XXXX XXXX XXXX I checked my account again and found the fraudulent charges had been reinstated. I contacted Chase 's investigative team and spoke with one of their agents. During their investigation, it was noted that I used the " chip on chip '' feature on the card and that the card was always in my possession. Based on this, Chase concluded that I am responsible for the fraudulent charges, despite the fact that I never lost my card and never authorized these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX I logged in to my account of Lexus financial and tried to make a payment online for {$720.00}. As of that day the account had a balance of {$1400.00}. I clicked on XXXX and their system processed the payment without asking for confirmation payment. Lexus financial doesn't have an option to cancel the payment. I called them within XXXX minutes, XXXXXXXX XXXX XXXX  and asked them to cancel the payment so I could adjust the payment to {$720.00}. They said they could not do it. Their automated system claimed that any account that is past due and any payments made to that account Lexus financial will consider it as collection of debt. I am assuming that's the reason they didn't give me an option to cancel the payment within XXXX minutes of submitting it. They advised me to contact my bank and ask them to make a stop payment. The way their system is set up is wrong and causes unreasonable hardship. I was on the phone with Lexus Financial for an hour, than with my bank, than with them again explaining the actions I took. The irreversible payment option is the option ( first choice option ) given to consumer and I am sure i am not the only one in this situation. This must be corrected. I am not sure if they will charge extra fees for returned or stopped payment. Please assist me to get this situation under control. I believe Lexus Financial, or any company for this matter, should ask for confirmation of the payment before the consumer actually submits it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
This outdated and no longer relevant information does not accurately reflect my current financial standing, and it continues to adversely impact my credit score.

As this account is fully resolved, I kindly request that you remove it from my credit report in accordance with the principle of reporting only accurate and relevant information. I believe that its continued presence on my credit report, despite being paid, is no longer necessary and does not provide an accurate portrayal of my creditworthiness.

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