vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have a debt showing up as a collection when I paid the original creditor before the collection was even opened. Yet the collection company is reporting i have a open account with them witch i do not. They are reporting inaccurate payments.

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 2025-01-05 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: IL

Complaint narrative:
They threw credit are reporting false information on 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 explanation
Consumer complaint received 2025-01-05 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: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I ask for proof that this an account of mine. Which I The card in question is the same card that I have been using for several months. I think. I do not have any other card. The card is another card. I asked Spring Oats Capital to send me proof of the account. Well the sent me someone else information for the card in question. This person lives in a different state. The person is male. Spring Oats Capital said I am the person in question. They said I owe the {$710.00}. The amount I owe on my card is less than {$400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Phillips & Cohen Associates, Ltd.
State: IL

Complaint narrative:
I signed up for Debt Consolidation, and they said the money was in a bank. When the payment gets reduced, they will negotiate. Well, after some time, I said I canceled their service, and generally, they said whenever I decided I did not want to continue, they would give me my money back that's in the bank. I contacted them numerous times. They said they never stated that, but they did. I never received XXXX XXXXXXXX. Please help there, crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I was getting charged for getting my credit score up and it was still the same after months of no change so I removed my self from the company after they made me pay a fee for not doing what was supposed to be done for my score not going up and getting the items removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX All these accounts are either not reporting or not reporting accurately on my Equifax consumer report which is in violation of consumer reporting agency, this is negatively impacting my score which is not allowing me to get credit on favorable terms. 
Please investigate and rectify the situation immediately. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to my financial institution ( XXXX XXXX XXXX XXXX - XXXX ) to help my husband by co-signing for a new car loan. My husband 's credit is hardly established. The credit union -XXXX gave us a quote based upon his score instead of mine because Experian ( the company they use for approving loans ), had me as " UNSCORABLE ''. This must have happened within the previous 6-months, because XXXX had pulled my credit score then for another loan. XXXX 's loan officer had never seen " UNSCORABLE '' used on a credit report before, and I had never had such a " score ''. I have exceptional credit because I've been very careful all my life. The loan officer tried to call Experian with me, and gave-up after the 4th time because she couldn't figure out the word that would allow her to be connected with a representative. She suggested I call my credit card company ( XXXX ) to see if they could help me, and recommended also following-up with a letter. On XX/XX/year> XXXX sent a letter to all 3 agencies ( XXXX, Experian XXXX XXXX ) requesting that they update their files. I wrote a letter to Experian on XX/XX/year>. On XX/XX/year> I received my credit report from Experian, but could find nothing that would cause me to be unscorable. I do not know what to do next, or how to correct this, and really need help.

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 2025-01-05 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: TX

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT AND THE FOLLOWING DATA MUST BE BLOCKED WITHIN 3 BUSINESS DAYS : This correspondence serves as a formal demand for the removal of inaccurate and unverifiable information from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Please consider this letter as a notification of violations and a request for immediate action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Given the lack of proper debt validation, this account should be removed immediately. 2. Violations of Consumer Protection Laws The inclusion of the aforementioned accounts in my credit report constitutes a violation of : 15 U.S.C. 1681 ( FCRA ) which prohibits the inclusion of unverifiable or inaccurate information in consumer reports. 15 U.S.C. 1692k ( d ) ( FDCPA ) which mandates compliance with debt validation and verification requirements. Due to these violations, I am entitled to {$1000.00} in damages for each instance of willful non-compliance. Given the nature of these inaccuracies, I am seeking a total of {$1000.00} in damages. 3. Legal Consequences and Remedies Please be advised that your failure to address these disputes within the statutory time frame will compel me to pursue legal action. This may include initiating a civil suit for damages and seeking enforcement through legal channels. Your prompt attention to correcting and removing the disputed information is required to avoid further legal proceedings. Please confirm receipt of this letter and provide written confirmation of the actions taken to address these disputes. I expect a response in compliance with the FCRA requirements. Thank you for your immediate attention to this matter. I have never done business with these company and I don't have any knowledge of this debt

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 2025-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Dispute of Credit Report Items and Request for Resolution under the FCRA Dear CFPB, I am writing to formally raise a complaint regarding my credit report, which has been negatively affected by a data breach exposing my sensitive information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, correct inaccuracies, and protect my credit from unfair practices. 

Attached to this letter, you will find a copy of my XXXX credit report generated on XX/XX/year>, which includes several inaccuracies and negative items that I believe should be removed immediately due to their connection to the breach. Specifically, I request that : All negative information related to closed and charged-off accounts, including but not limited to those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX removed. 
Any late payments on open accounts with Capital One be corrected if they resulted from the data breach or inaccuracies. 

I have taken significant steps to safeguard my financial integrity, yet I find myself being penalized for circumstances beyond my control. I request that the CFPB ensure lenders and credit bureaus comply with the FCRA and that they are held accountable for the accurate reporting and protection of consumer data. 

Please note that I expect a resolution within 30 days, as stipulated by law. Should additional information or documents be needed to support my dispute, do not hesitate to contact me. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Dispute of Credit Report Items and Request for Resolution under the FCRA Dear CFPB, I am writing to formally raise a complaint regarding my credit report, which has been negatively affected by a data breach exposing my sensitive information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, correct inaccuracies, and protect my credit from unfair practices. 

Attached to this letter, you will find a copy of my XXXX credit report generated on XX/XX/year>, which includes several inaccuracies and negative items that I believe should be removed immediately due to their connection to the breach. Specifically, I request that : All negative information related to closed and charged-off accounts, including but not limited to those with XXXX, Bank of America XXXX XXXX XXXX XXXX XXXX XXXX  , be removed. 
Any late payments on open accounts with XXXX XXXX be corrected if they resulted from the data breach or inaccuracies. 

I have taken significant steps to safeguard my financial integrity, yet I find myself being penalized for circumstances beyond my control. I request that the CFPB ensure lenders and credit bureaus comply with the FCRA and that they are held accountable for the accurate reporting and protection of consumer data. 

Please note that I expect a resolution within 30 days, as stipulated by law. Should additional information or documents be needed to support my dispute, do not hesitate to contact me. 

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

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 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
XX/XX/scrub>, 2024 for {$1000.00} Reporting to all credit bureaus Does not have permission to contact me Does not have a licence to collect in the state of louisiana

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Dispute with XXXX  XXXX charging child supourts while I was living with the child and info is not acurate and abusing my credits, I reported original XXXX child supourts for child is living with me not with mother, mother scam me for lying to XXXX child supourts child is living with her and tried to kept her child supourts payments, complaint letter is attached.

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 2025-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is
unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-05 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: GA

Complaint narrative:
While checking my most recent credit report, I noticed a bunch of collections that I am unfamiliar with. There have been numerous data breaches that I have been apart of. Thank God some of these collections are not attached to open accounts. Per ( FCRA ) As a federally protected consumer who rights are being violated Privacy Act of 1974 I am demanding that credit reporting agencies immediately abide the 15 U.S Code 1692c- Communication in Connection with Debt Collection with 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 explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
While checking my most recent credit report, I noticed a bunch of collections that I am unfamiliar with. There have been numerous data breaches that I have been apart of. Thank God some of these collections are not attached to open accounts. Per ( FCRA ) As a federally protected consumer who rights are being violated Privacy Act of 1974 I am demanding that credit reporting agencies immediately abide the 15 U.S Code 1692c- Communication in Connection with Debt Collection with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/scrub> 2024, somebody fraudently used my credit card to make XXXX purchases. I have no idea who or how they got my number. XXXX will not tell me any information despite my credit card being repeatedly used. I reported the fraud to Bank of America and they reversed the charge and issued me a new credit card. They told me since It was fraud, XXXX would be a blocked merchant on my account. I nor anyone in my immediate family have ever owned an XXXX and have never made any purchase on an XXXX. 

I have continued to repeatedly be the victim of fraud and have received several dozen charges from XXXX on a regular basis. These are for a variety of amounts and intervals inconsistent with a normal subscription. I have gotten several different credit card numbers but continue to get these XXXX charges. I learned Bank of America participates in a program called Automatic Billing Updater ( XXXX ) where if my credit card is run as a subscription service, Bank of America tells the merchant my new number and thye charge that card from then on. 

I have complained to Bank of America over 20 times and they refuse to remove me from XXXX and claim their only solution is to block the merchant and give me a new credit card number which has been done several times and does not work. They are unable to tell me why it doesnt work. XXXX is unable to answer any questions or remove my credit card because I do not have any account information with them. 

I do not think it is unreasonable to have Bank of America, which claims to go above and beyond to prevent fraud, stop giving my new credit card number to a company that has repeatedly charged documented fraudulent charges. 

Please help.

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 monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
The agency had contacted me regarding a debt that I dont not believe is valid .despite my attempts to request validation of the debt the have continued their collection efforts including harassments and threats taken by the XXXX I also request that they cease all collection activities until proper validation of the debt had been provided

Company response to consumer: Closed with explanation