vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am writing to formally dispute the alleged debt associated with. I have reason to believe this claim is invalid, as my personal identifying information was compromised in a recent data breach. I did not authorize any credit transaction or account associated with this alleged debt.

Pursuant to Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), any use of my consumer report must meet the criteria for permissible purposes. This includes valid written instructions from me or a legitimate credit transaction involving my authorization. Neither condition applies in this case. 

Please cease collection activities and provide evidence substantiating this claim. Failure to provide verification will result in a request to all consumer reporting agencies to delete this erroneous information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Billing and reporting errors by my bank are having a serious negative impact on my credit. According to the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally required to accurately reflect payments and credits, but several mistakes have occurred. Payments I made on time were either not recorded properly or miscalculated, leading to inaccurate balances. Additionally, I was never given the mandatory 21-day notice before a payment was due, which makes any reported late payment invalid. These errors are not only misleading but also a violation of federal law, and they are unfairly damaging my credit score.

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 2024-12-05 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: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report as a result of a data breach and identity theft.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I ask that you take the necessary actions to address this matter promptly.

Fraudulent Accounts : XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX, XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$100.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8900.00} Fraudulent Inquiries : XXXX. XXXXXXXX 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 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 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I am writing to formally submit a complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding the submission of misleading/false affidavits to the court in my case, which I believe violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The affidavits in question contain false and misleading statements. To date the individuals who signed these documents had no knowledge of my case and were never contacted or consulted regarding the details of the matter. This lack of involvement raises serious concerns about the accuracy and validity of the information presented. 

These misleading affidavits not only contravene the FDCPA 's prohibition against deceptive practices but also represent an unfair practice that undermines my right to dispute the validity of the debt. Submitting affidavits without proper investigation or verification creates undue pressure on consumers and erodes trust in the debt collection process. 

I am particularly alarmed by the potential for individuals to lie under oath in their statements to the court. Such behavior undermines the integrity of the judicial process and raises ethical concerns regarding the practices of these firms. 

I seek compensation for the damages incurred as a result of these misleading actions and intend to pursue this matter in a court of law. I urge you to take this complaint seriously and investigate these practices thoroughly, especially considering XXXX XXXX XXXX ' documented long history of similar violations. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: Perpay, Inc.
State: NC

Complaint narrative:
I did not consent to my personal information being shared with any third-party debt collectors or any other external parties. I was under the assumption that my information would remain secure and private, as per the terms outlined in their privacy policy. The fact that my details were sold or shared without my explicit consent is a breach of my privacy and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : TRANSUION : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$630.00} XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$220.00} XXXX : XXXX XXXX Account XXXX : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX  XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00} XXXX : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX  XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00}

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 2024-12-05 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any r
einvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXXXXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$630.00} XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$220.00} EQUIFAX : XXXX XXXX Account XXXX : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00} XXXX : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was deeply frustrated and stressed to find several inquiries from your company that I never authorized.

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 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: AL

Complaint narrative:
I received this letter stating they're going to turn it over to law enforcement. I do not owe them anything. I've never met these people or made a deal with them. The debt they're giving details about is not anything I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: DISCOVER BANK
State: TX

Complaint narrative:
A purchase was made in the amount of {$140.00} through XXXX that was never delivered. Dispute resolution was attempted and rejected. A chargeback was refused. Fraud prevention completely refused to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I am writing to formally request immediate attention regarding unresolved charges on my American Express account. Below are the details of the issue : On XX/XX/year>, I contacted the American Express Travel Agency to book a fully refundable trip in the U.S. for my chosen dates. The call was routed to a travel agency based in XXXX, which I was unaware of at the time. 

The agent booked XXXX hotel rooms ( no flight services were requested or included ). Subsequently : On XX/XX/year>, I called to modify the travel dates. 
A week later, I contacted the agency again to cancel the trip because my husband was unable to travel due to work commitments. 
Despite this cancellation, I have not received a refund for the charges. The amounts in question are as follows : XX/XX/year> : {$6600.00} XX/XX/year> : {$2900.00} The total owed to me is {$9600.00}. 
These charges are unauthorized as the trip was fully refundable and canceled within the allowed timeframe. I have made multiple attempts to resolve this matter but have received no satisfactory response or refund. 

This situation raises concerns about potential fraudulent activity involving American Express or its travel affiliates. I urge you to investigate this matter promptly and credit the full refund amount to my account without further delay. 

Please confirm receipt of this message and provide an update on the status of my refund. Should I not receive a resolution shortly, I may escalate this matter to relevant consumer protection agencies for further action. I have email correspondence to fully corroborate these facts and can supply. 

Thank you for your immediate attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed several unauthorized accounts on my credit report, and I ask that these fraudulent entries be removed and blocked as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: VA

Complaint narrative:
Errors on my credit report include hard inquiries I didnt authorize. As per 15 USC 1681c-2, these entries should be corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired for this. I'm gon na go to court.

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 2024-12-04 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired for this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: CITIBANK, N.A.
State: NC

Complaint narrative:
- THD/CBNA on XXXX/XXXX/2924 sent inquiry for personal loan that I dont recognize. 

- Original creditor information not available but I have a collection account that was opened on XX/XX/year> in the amount of {$580.00} that I do not know where it came from. The only other information I have is the account number : 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