vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-02 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: TX

Complaint narrative:
I submitted disputes to the credit bureau over 40 days ago and I have not heard anything back from them nor has anything changed on my credit report. I sent them all the information required and I have been quite patient before filing this complaint. There are numerous accounts on my credit report that needs attention because they are inaccurate and or not being reported correctly. They are not following the credit reporting laws and something needs to be done about this. I have contacted the creditors as well and am still awaiting their response as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XX/XX/XXXX To : Credit Control , LLC Formal Demand for Compliance and Damages Dear Credit Control , LLC On XX/XX/XXXX, I called your company at approximately XXXX XXXX  after several intrusive text messages were sent to me while I was at work and spending time with family. During the call, I repeatedly asked if you were a debt collection company and the purpose of the call. Your representative refused to answer and instead vaguely kept stating that the call was in regards to a personal business matter. After several unsuccessful attempts, I hung up. 

This refusal is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 11 ), which requires clear disclosure that the communication is from a debt collector. Similar deceptive practices have been addressed in cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX ), where the court awarded damages for a debt collectors failure to properly identify itself, emphasizing the consumers right to transparent communication. 

Your failure to identify your company and the purpose of the call caused unnecessary stress, confusion, and emotional distress. I was left feeling anxious and uncertain about the legitimacy of the call and its purpose. This deceptive practice, as seen in cases like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ), demonstrates the harm caused when debt collectors fail to follow legal requirements, often resulting in awards of statutory and emotional damages to the consumer. 

I am demanding the following : {$2000.00} for statutory violations, including your failure to identify yourself as a debt collector under 15 U.S.C. 1692e ( 11 ) and your deceptive practices under 15 U.S.C. 1692e ( 10 ). 

{$2000.00} for emotional distress caused by your evasive and misleading behavior, which left me feeling anxious, confused, and unsure about the legitimacy of the communication If I do not receive payment or acknowledgment of this violation within 15 days, I will escalate this matter by filing complaints with the CFPB and FTC, as well as pursuing legal action for additional damages, including attorneys fees and costs. 

I trust we can resolve this matter quickly and professionally. Please direct all responses to me in writing at the address above. 

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 explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
contacted citibank double cash back credit card on the XXXX saying to them I did not make 3 purchases. They said they will dispute them. At first they only disputed the XXXX and XXXX from snow.com. I called back to say the XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAN is also not from me. 

I checked back 6 days later, the XXXX and XXXX are my fault. and the XXXX was not even disputed. they agreed to reopen the dispute but I am not confident they will reverse their stance. 

these places are outside of the country and I can't leave the country.

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 2025-01-02 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-02 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I was apart of DATA BREACH. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information in their file that resulted from identity theft : REMOVE ALL ACCOUNTS FROM XXXX, EQUIFAX, and XXXX. 

I HAVE THE RIGHT TO HAVE ACCURATE INFORMATION ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I was apart of DATA BREACH. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information in their file that resulted from identity theft : REMOVE ALL ACCOUNTS FROM XXXX, XXXX, and EXPERIAN. 

I HAVE THE RIGHT TO HAVE ACCURATE 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 2025-01-02 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: FC HoldCo LLC
State: KY

Complaint narrative:
Subject : Request for Copy of Form XXXX for Charged-Off Debt Dear Flagship Credit Acceptance, I am writing to request a copy of Form XXXX for the debt that was charged off and reflected on my credit report under Flagship Credit Acceptance in the amount of {$1200.00}. As required by the IRS, I need this form for my tax records, as I have not yet received it. 

Please send the form to my address listed above. If you need further information, feel free to contact me. 

Thank you for your prompt attention to 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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I received a text message from Chase indicating there were fraud charges being attempted via my debit card for my checking account. At XXXX I immediately called the fraud line for chase and went over the recent charges on my account XXXX charges were not made by me. XXXX charge has never shown on my account which must have been totally blocked by chase and XXXX were pending. These charges were to XXXX XXXX for {$220.00} and XXXX XXXX for {$240.00}. I was told both of these companies are in XXXX and I am in XXXX I was told it appeared these charges were made via XXXX XXXX and asked if I had my phone. I told the operator I was on my phone and was advised I needed to then change all of my login information to chase. I went through my contact information with the representative and advised that I have only XXXX email addresses : XXXX and XXXX and do not have access to any other email accounts. They told me there was another one associated on my account an XXXX which I do not have access to any longer. We closed my debit cards and unassociated all accounts with my card I was on the phone for an hour. I was told these charges would not post. XXXX  days later these charges posted but I was given a temp credit. Today XX/XX/XXXX, I was told that these charges are my responsibility based on their investigation and I can up load new information if I feel this is a wrong decision however they would not tell me what was used to determine I made these charges. Chase is the XXXX who notified me of the fraud but let the charges go through. I contacted them right away and did everything they told me to do to follow through under their fraud protection now they are telling me the companies sent them proof I made the charges but I have nothing from these companies. Chase has given me no direction on what to do to appeal this but to " upload '' additional documentation. I have nothing to upload, I have no account or merchandise from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: AL

Complaint narrative:
I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for payments on this account that I have included in screenshot inside this complaint. Please investigate and provide proof with statements showing that these statements showing that these payments were late. If proof can't be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact was never late.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-02 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: CA

Complaint narrative:
I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report that are inaccurate. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : What specific steps were taken to verify these accounts? 
Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
Were any third-party databases or external records consulted in the verification process? 
Furthermore, I have been informed by the creditors associated with these accounts that the accounts were erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 
Given the severity of this issue, I request that your agency : Conduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
Provide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 
Please consider this letter as a formal 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-02 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: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2025-01-02 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2025-01-02 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:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX Last SNN # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX Account Number : XXXX Account Number : XXXX **Re : Dispute of Inaccurate and Unauthorized Reporting** Dear XXXX XXXX, I am writing to dispute an inaccurate account that is being reported on my credit report. The account number is XXXX. I have never given written consent to report this account to my credit report. The account was closed in XXXX, and the information being reported is incorrect and non-validated with late payments. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( 7 ) ( A ) and 12 C.F.R. 1006.34 ( d ), you are required to investigate disputed information and correct or delete inaccurate information from my credit report. I demand that you immediately remove this inaccurate account from my credit report. I also request the following : * A copy of the evidence you relied on to report the account * An explanation of why you believe the information is accurate. Please acknowledge receipt of this dispute letter within 30 days and provide an update on the status of my investigation. 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