vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX located in XXXX XXXX CO is currently under investigation by XXXX XXXX XXXX XXXX for XXXX civil/disability discrimination complaint. Prior to HUD taking action on my behalf, I was a long-time tenant at XXXX XXXX XXXX which my tenancy ended XX/XX/XXXX after providing a 30 day notice pursuant to my month to month lease agreement. At that time, XXXX was aware of a medical condition adversely impacting my ability to pay rent on time. XXXX, XXXX XXXX - XXXX XXXX- indicated to me she did not want to send my account to collections as she knew it would hurt my credit. However, that is what she did. After paying my outstanding balance for many months, XXXX verified my current balance owed was {$2700.00}. I filed a complaint as advised by legal counsel I may want to do to preserve my right to address a discrimination complaint. After I filed this complaint, XXXX XXXX submitted an over-inflated balance to collections for almost double this amount. The collection company placed this on my credit report which adversely impacted my ability to secure new housing. I contacted the collections company, Carter Young within a few days after receiving a collections letter from them that stated if the amount is disputed by XX/XX/XXXX, which it was, they would cease reporting collections activity. They did not follow this promise. Instead, they continued to report the wrong amount. I contacted them again recently and was told to update my portal with this information that the debt amount was not correct. Carter Young has yet to address this and the wrong amount remains in collections and is continuing to hurt my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
A debt collector ( Security Credit Services ) with whom I have never engaged in business is reporting debt on my credit report. The debt collector never contacted me in person, by telephone, or by mail before placing two collections on my credit report. That is a violation of my rights. I want these collections removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I received a letter from my credit card provider ( XXXX XXXX XXXX ) indicating an increase in APR rates on my account due to information received about my credit report. The exact words in the XXXX XXXX letter were " Our credit decision was based in whole or in part, on information obtained in a credit report from the following consumer reporting agency : Equifax Credit Information Services. '' I accessed the Equifax website to try to determine what issues were reported that would have caused questions about my credit worthiness given the fact that I have had the XXXX XXXX XXXX card since 2004 and have never made a partial payment to a monthly statement in 20 years. I have paid the total amount of each monthly statement for at least XXXX consecutive months without problems. 

Upon viewing the Equifax credit score and summary I found some perplexing and discouraging data. Even though Equifax stated that the " Length of Credit History '' was 44 years, 11 months, they chose to create a less than deserved credit score of " GOOD '' based on a single credit card I had from XXXXXXXX XXXX that had only been in existence for 6 months and had only been used 5 times, with each monthly balance paid in full upon receipt of the bills. Equifax did not account for any data from any other credit cards in my possession that I have had for years without payment problems, or credit purchases made in the past and totally paid off in the requisite time period. 

I called Equifax Customer Service to get help understanding why my credit score was lower than expected and why complete data ( all credit data ) was not used to determine the score and reported honestly and " completely '' when requested by XXXX XXXX XXXX. I was told that if I wanted other credit cards and sources to be reported by Equifax, " I '' would have to contact the other credit sources and tell them to report the data to Equifax. In 44 years and 11 months of home loans, credit cards, automobile purchases and loans, I have NEVER had to tell the loaning agency or card issue to report data to any Credit Bureau. To even suggest that is the process is ludicrous and obscene! 

I think Equifax is sorely lacking to be an objective and completely honest credit reporting agency. The credit score they presented in my case, and probably for others, is grossly inadequate, misleading, incomplete and fundamentally dishonest. 

If CFPB actually has any oversight and control over credit reporting agencies, I trust they will take a hard look at the business practices of Equifax and demand corrective action be taken immediately to correct the faulty and misrepresented reporting. Equifax isn't providing a consumer service, they are providing potholes and road blocks! 

Sincerely : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CT

Complaint narrative:
Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent you the letter form the court house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those dates 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NC

Complaint narrative:
I recently checked my credit reports and found late payments that are inaccurate names that are not mine, addresses where I never lived, and accounts that have insufficient data on them. These accounts are 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 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 2024-11-22 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: NC

Complaint narrative:
I recently checked my credit reports and found late payments that are inaccurate names that are not mine, addresses where I never lived, and accounts that have insufficient data on them. These accounts are 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 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 2024-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

this XXXX accounts have been on my credit report as long as a can remember - XXXX XXXX credit union credit card with account number XXXX which is in good standing no balance owed or due and- XXXX XXXX XXXX XXXX XXXX loan with account number XXXX which is my autoloan account i had paid off and this are the key accounts on my credit then while am in a process of buying a house and have lenders check my account seeing this accounts listed on my report. XXXX week into the process you have this XXXX accounts dropped for no reason, no explanation provided and this dropps points on my report by XXXX while am in a process of getting a mortgage loan. 
I believe this was done intentionally to prevent me from getting a good mortgage deal or for not getting mortgage at all and i reserve the right to sue you for wrongfully dropping accounts off my report for your personally gains,. i have attached snapshots of the accounts on your report before you dropped them for no reason/ no explanation given when am in the cause of trying to get a mortgage loan I have attached XXXX screenshots of this XXXX accounts on my report from you guys on XX/XX/XXXX before you dropped the accounts right when i started shopping for a mortgage causing my credit score to drop XXXX points. 
the credit report file you sent to me has the following as report number : XXXX for XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
Heres the revised dispute letter with your updated information included : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Date : [ Insert Todays Date ] To : JP Recovery Services XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Debt Dispute for Reference Number [ Insert Reference Number from Letter ] Dear Sir or Madam, I am writing to formally dispute the alleged debt referenced in your letter dated [ Insert Date on Letter ]. I do not recognize this debt or the creditor, XXXX XXXX XXXX, listed in your notice. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of the debt, including : 1. The original creditors name and address.

2. A copy of the original contract or agreement proving my responsibility for the debt.

3. A detailed accounting of the amount claimed.

Until proper validation is provided, I request that you cease all collection activities and refrain from reporting this debt to credit bureaus.

If you are unable to validate the debt, I expect this matter to be closed, and any negative credit reporting related to this account must be removed. 

Please confirm receipt of this dispute letter in writing. 

Sincerely, XXXX XXXX You can print and send this via certified mail with a return receipt. Let me know if youd like additional adjustments!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi, Multiple times this year my card was charged a fraudulent charge that shows up as XXXX XXXX  XXXX XXXX have called this in as a fraudulent charge and Chase has canceled the card and issued a new one, and then the charge has shown up again. I have reported it via the website and spoken on the phone with representatives. XXXX of the times the call center representative kept me on the phone for an hour ( possibly longer ) trying to convince me it was a legal charge even though XXXX has told me categorically that it not only is not a charge of theirs but that it is clearly a fake impersonation of an XXXX charge because it says " XXXX '' which they do not use, and also does not have an accompanying number that matches their number conventions. Every time Chase cancels and issues a new card I have recurring charges assigned to that card that cause me grief and financial trouble and also, have to go through the process of changing the number with multiple companies. Then the charge shows up again on the new statement, even though it should have been flagged as fraud to begin with, by Chase and XXXX XXXX. Since this is still happening after XXXX months after multiple reports I have reason to believe it is being caused within XXXX XXXX and not outside since I almost never use the card physically at any retailers and my other cards are not experiencing this issue, and this card has had a new number assigned XXXX other times this year alone. The first time they changed the number they never removed the charges, btw. I had to call again and spend an hour on the phone to make that happen. Now I see multiple charges since XXXX so working with Chase to resolve it didn't make a difference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. I would greatly appreciate your assistance in resolving these matters to maintain my financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. I would greatly appreciate your assistance in resolving these matters to maintain my financial stability.

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