vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-10 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: MS

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES XXXX DID NOT AUTHORIZE THEM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-10 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: IL

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNATHORIZED INQUIRY ON CONSUMER REPORT I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately. Per my rights under the ( FCRA fair credit reporting act ). 

Specifically I did not authorize the following INQUIRIES TO BE MADE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, Credit inquiries from companies that I did not grant permission to are inaccurate items and must be removed from my credit report. These unauthorized hard inquiries are a violation of the fair debt collection practices act ( FDCPA ) as well. I am enclosing supporting documentation highlighting inquiries I am formally disputing. A copy of my state ID is also included to verify my identity. I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report as mandated by the FCRA, failure to do so may result in me filing another complaint with the CFPB. Delete this unconfirmed inquiries lacking certifiable evidence unless physically certified or verified proof is demonstrated per U.S Code 15. U.S.C 1681 ET SEQ. Section 604 of the FCRA ( Fair credit reporting ACT. By willfully violating the FCRA I am willing to settle your civil liability damages. I have suffered because of your violations for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( b ) [ 15 U.S. Code 1681n } should you fail or refuse to settle the demand I will seek actual damages which are greater than {$1000.00}

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 explanation
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
Hello, There is an account on my credit report that was opened in XX/XX/XXXX ( XXXX yrs, XXXX mos ). This was originally showing closed / Charge off. Now it seems to have opened back up in XX/XX/XXXX. Please remove this from my credit as now it is showing a 50 % on time payment as before it was 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The Auto loan from the BofA was secured via the XXXX. I changed the loan within BofA for a better rate. I also requested for an auto-pay and it was acknowledged over the phone or customer care. Later I was reported as non-payment, i wasn't notified over letter and this has impacted 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 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I never received a debt letter telling me about this debt or that i could dispute this. I found out by researching my credit file. I contacted the agency and requested a validation letter with proof and was never sent one. This debt is not mine and is negatively effecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am in need of help because I have asked this company to stop calling me while I am at work. They repeatedly call when it is inconvenient for me. I feel harassed by this debt collector. Despite me telling them they have not stopped. I have a recording of me telling them it is a bad time to call and a screenshot showing the time they are calling me.

I looked up this law 15 USC 1692 which is the FDCPA and section 1692c ( a ) ( 1 ) it says- at any unusual time or place or a time or place know, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumers location.

Which means that if I told them not to call because it was not a good time, they should know it's very inconvenient.

They also violated me again under the FDCPA

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XX/XX/year> I deposited {$1900.00} through the atm machine at XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I feel insulted nicely in black and white by chase saying after our investigation.that I only deposit {$930.00} when I clearly deposited {$1900.00} all in {$100.00} bills, now I owe them {$960.00} no way clearly something went wrong somebody miscalculated or you they need to pull the video.cuz that same machine that said it has trouble somebody else use it right in front me, while I was making my claim over the phone still in the bank.something is wrong somewhere who does that filing a false claim in their own account.They took my paycheck that fell in my account this morning and overdrafted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX PST, I returned two items at Macys store in XXXX XXXX XXXX. They said that they would mail me the giftcard to my home address instead of issuing physical giftcard right away in store which is definitely unnecessary and not easy for customer. Two weeks passed, I did not receive anything from the mail. I call Macys inquiries call : XXXX which is on my return receipt. One of the representative said that he was not able to mail it to me and he asked me if I wanted refund to be issued directly to my credit card. I provided him my credit card number and waited for one more week. Still received nothing. I called Macys again on XX/XX/XXXX around XXXX and one of the representative said that there was something wrong with my credit card, he cant issue refund. I felt weird because Im still using my credit card everyday without any problems. He then requested me to provide my checking account number and routing number. I questioned him why does he need my checking account information? Just either mail/email a giftcard for my refund or issue it to my credit card. He kept talking bla bla without giving me the right answer. I feel like he was trying to scam me and steal my personal information so I hung up on him.

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 2025-01-10 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: FL

Complaint narrative:
Formal Complaint Against Experian, XXXX, XXXX, and the CFPB Subject : Ongoing Failure to Investigate Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against Experian, XXXX, XXXX, and the Consumer Financial Protection Bureau ( CFPB ) for their continued failure to properly investigate and correct inaccurate late payments reported on my credit reports for the following accounts : XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  For over two years, I have submitted numerous disputes to all three credit bureaus and provided substantial documentation proving that these 10+ late payments are inaccurate. Despite my repeated efforts, the credit bureaus have failed to properly investigate or correct these errors, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have filed multiple complaints with the CFPB and sent certified letters directly to the CFPB CEO, yet no meaningful action has been taken to enforce compliance with federal law. The ongoing CFPB lawsuit against Experian further confirms that credit bureaus are not being held accountable for failing to conduct proper dispute investigations. 

Due to the continued inaction and failure to protect my rights, I have already sent a certified letter to the Florida Attorney Generals Office and have contacted media outlets in Florida to bring attention to this situation. The mishandling of this matter by the credit bureaus and the CFPB demonstrates a clear failure to enforce the consumer protection laws that are meant to safeguard citizens in the state of Florida. 

These actions violate the following provisions of the FCRA : 1. 15 USC 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information reported. 
2. 15 USC 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation of disputed information. 
3. 15 USC 1681c ( a ) : Continued reporting of inaccurate and unverifiable information. 

The late payments reported are also inconsistent across the three bureaus. Experian reports fewer late payments than XXXX and XXXX, further proving that none of the bureaus have conducted proper investigations.

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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I have been disputing this company on my credit report for several years and they have yet to verify this information is mine. I called them and they could not even verify my address. Asked them to send me a wet signature of any information from me that identifies this debt is mine and it is still on my credit report years later. I want this resolved immediately because giving them 30 days is not acceptable when they never verified that this is my debt because it is not. I want this removed from my credit report immediately. It is not my debt and is making my credit score horrible. I disputed the information with the credit bureaus and they have yet to remove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CA

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. 

Charge Off XXXX XXXX  - XXXX - {$1200.00} Inquiry XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian did not properly investigate my disputes and fails to remove errors o my reports. these accounts need to be remove off of my credit report. 

XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX i also dispute all of the inquirys

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have asked for the incorrect information to be corrected and a copy of the updated information. They have not removed the information yet and XXXX  updated copyies of reports. I provided the credit companies with my personal information and no change. All three credit companies : XXXX, XXXX, and Experian.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 As required by XXXX XXXX XXXX please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX 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 CREDIT BUREAU 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 collections 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 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 2025-01-10 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Over the holiday season in XX/XX/year>, a family member gifted me a prepaid Amex gift card with a total of {$500.00}. I was waiting to use this card for the right purchase and finally attempted to use it that following XXXX at a guitar store in my XXXX  town ( XXXX XXXX XXXX ). The total for the electric guitar was in the $ XXXX but upon checkout, the card would not go through. The cashier tried several more times, thinking it could be an issue with the zip code. As this was my first time trying to use an Amex prepaid card ( I have been gifted XXXX gift cards before ), I tried giving them the Amex headquarters zip code and the zip code where it was purchased. The card still did not work. In the beginning of XXXX, I also tried to use this gift card to make a purchase online with the company XXXX. The representative processing my payment over the phone also had trouble with my prepaid card. This time, I was attempting to make a split payment, but he was nice enough to find me a discount so that the total amount was less than {$500.00}. Even then, my prepaid card failed to go through, this time due to an issue with the security code. I called Amex at their 24-hour customer service line and was connected with an agent. He was incredibly unhelpful and stated that the card doesn't work online sometimes but never offered a solution, guidance, credit or refund.

Company response to consumer: Closed with monetary relief