vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my XXXX  XXXX XXXX account, number XXXX. Despite numerous attempts to rectify these issues, both directly with XXXX  XXXX XXXX and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 

This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold XXXX  XXXX XXXX accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted XXXX  XXXX XXXX to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims. 

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding XXXX  XXXX XXXX accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA.

Thank you for your immediate attention to this urgent 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 non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my XXXX  XXXX XXXX account, number XXXX. Despite numerous attempts to rectify these issues, both directly with XXXX  XXXX XXXX and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 

This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold XXXX  XXXX XXXX accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted XXXX  XXXX XXXX to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims. 

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding XXXX XXXX XXXX accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA. 
Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
My credit report contains mixed information, showing accounts that are not mine and clearly belong to someone else.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Today XX/XX/XXXX i was the victim of a robbery where i was stripped of all my documents and banking information. Because of this, i decided to review my credit report and i noticed some inquiries that were made without my consent. I apreciate your help in removing this from my records. 
the Inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ID

Complaint narrative:
They have been trying to collect a debt I was never told about by anyone or any company before them. 
I disputed the dept through credit reporting agencies and it was disputed successfully. 
After it was disputed they are now telling me I owe them 4 times as much money. With a new higher balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought the XXXX gift cards {$500.00} each XX/XX/year>. Tried to use them on XX/XX/year> all XXXX cards were blocked for fraud as I was told by Incomm CS. They send the new cards and they are still blocked because of Fraud. They ask for pictures of ID, Gift cards, XXXX in my name. I've sent all that out 4 times to XXXX and every time I call to check on the status I get a different answer from I need to send it again, to we need to open a new case again, etc. At this point I'm being scammed out of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: IL

Complaint narrative:
THERE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE UNAUTHORIZED INQUIRIES 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THERE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE UNAUTHORIZED INQUIRIES 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

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 2024-11-12 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: TN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hawes Klein LLC
State: TX

Complaint narrative:
XXXX waited XXXX  years to collect a debt I didnt know I had. Put hold on bank account, gave me run around when I called. Got dispute letter back without purchase agreement. One amount on that then was charged XXXX Plus. Still getting run around. They claim not to charge interest and fees whats the XXXX. For?

Company response to consumer: Untimely response
Consumer complaint received 2024-11-12 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 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 XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} - Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/XXXX, I settled all outstanding balances on three credit cards. However, on XX/XX/XXXX, I noticed that interest charges had been applied to each card for the XXXX statement cycle. I contacted Capital One to seek clarification on this matter and was transferred between multiple agents who provided inconsistent explanations. Eventually, I spoke with a supervisor who feigned hearing difficulties when I inquired about the rationale behind the interest charges for a statement cycle during which the account balances had been reduced to XXXX. Despite maintaining a respectful demeanor throughout the conversation, I encountered condescending attitudes from the customer service representatives. Unfortunately, I did not receive a satisfactory resolution or a clear explanation for the aforementioned charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: OH

Complaint narrative:
To whom it may concern, This letter is a formation complaint that you are reporting inadequate and incomplete credit union on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your re [ porting services could XXXX, mail or email is a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: AZ

Complaint narrative:
I have been repeatedly contacting your office regarding accounts on my credit report that are in pending litigation and are inaccurately reported. I am extremely frustrated with the lack of response and demand immediate action.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: MA

Complaint narrative:
These companies don't have my accounts listed correctly and its hurting my credit. I have asked them to update my credit to the proper bankruptcy status and instead of they are just noting the account. This is a violation of my consumer rights when it comes to my consumer report. I will list send the letters I have sent to them below in the attachment. 

I am also holding XXXX, XXXX, and XXXX liable as well for allow them to report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: NJ

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 XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation