vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-01-29 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: NY

Complaint narrative:
Follow up on Report Number XXXX Request for Explanation of Procedures Used to Verify Late Payments 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Dear Experian, I am writing to request clarification regarding the investigation process you followed to determine the accuracy of the late payments reported on my credit report, specifically under Acc # XXXX XXXX  - XX/XX/year> 60days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are required to conduct a reasonable investigation when a consumer disputes information on their report. As part of this investigation, I would like a detailed explanation of the procedures used to verify the accuracy of the late payment information provided by the creditor and how the decision was reached. 
Please provide me with the following : 1. A description of the steps taken to verify the accuracy of the late payment information.

2. The sources and records you consulted during your investigation.

3. The criteria used to determine the information was accurate or reliable.

I request that you provide this information in accordance with your obligations under the Fair Credit Reporting Act.

Thank you for your attention to this matter. I look forward to your 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 2025-01-29 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: WA

Complaint narrative:
These Twos Credit Bullies XXXXEquifax like making my credit worse then it already is by updating and changing remarks on my credit reports. If Ive would have known this would happened, I wouldve left it alone on the disputes I did. These 2 Bureaus is committing fraud to the consumers by not acknowledging their disputes instead just turn their heads away and just Bullying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
My information and credit was compromised in the data breach all items should be deleted that are not imine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CL Holdings LLC
State: AL

Complaint narrative:
My information and credit was compromised in the data breach all items should be deleted that are not imine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
When reviewing my credit report, I noticed that was attributted payment responsability for an account with XXXX XXXX XXXX ( an installment loan account ) in wish I was never registered as a co-signer or directly involved. This erroneus information negatively impacts my credit score and creates an inaccurate representation of my financial history. Cosumer Reporting Agency have the obligation to ensure that all reported information is accurate and verifiable, I bilieve there has been an error in associating this account with my credit history, as there is no documentation to support any legal connection with me and this account. However i was never involved with or had control over this account, and therefor, I can not be held responsible for any late payment. If there evidence to the contrary, I request that clear and verifiable documentation be provided to support such a claim.

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 2025-01-29 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently have been a victim of mail theft. The credit card was compromised due to the mail theft. The company was advised of the situation with documentation. It was found that {$1600.00} was charged to the account from the theft and never authorized. The company has refused to complete an investigation and has also refused to provide statements and documentation of the charges to myself or the law enforcement agency investigating the mail theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report.As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX I demand an immediate investigation and removal of these inquiries. 

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under XXXX XXXX. XXXX, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately. 

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies. 

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA.

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 2025-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I took out private loans in XXXX with XXXX XXXX and Navient. These were preadatory rates between 13-18+ % interest. My minimum payments were XXXX a month once i graudated in XXXX ( recession ). I couldn't make minimum payments, so they put me in forebearnace and my loan ballooned. I only took out XXXX in loans and ended up working XXXX jobs for 10 years and finally had to buy and rehab a home to pay this off!!! AWFUL TERRIBLE MALICOUS company stay away!!!!! This ruined my financial life! Something needs to be done regarding interest rate caps and this company needs to be SHUT DOWN! THanks for ruining americas future generation by your greed! AWFUL!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: TX

Complaint narrative:
I rented a car from XXXX in XXXX on XX/XX/year>, and in XXXX on XX/XX/year>, both of which were fully prepaid. When returning the vehicles, I confirmed multiple times that the balance was XXXX. However, I have been receiving continuous emails from a debt collector called XXXX XXXX XXXX, demanding a payment of {$1000.00}. Yesterday, I even received another email offering a XXXX XXXX  discount if I pay. Since I have already fully paid, I have no obligation to make any further payments. Attached are the supporting documents. 

Budget Reference # : XXXX & Budget Rental Agreement XXXX ( Pick up at the XXXX XXXX at Texas ) Budget Reference # : XXXX & Budget Rental Agreement XXXX ( Pick up at the XXXX XXXX at Texas ) XXXX XXXX Service account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: IA

Complaint narrative:
I received an email today ( XX/XX/XXXX ) from a creditor LJ Ross Associates XXXX XXXX telling me that a {$70.00} bill was outstanding and sent to collections from XXXX. 

I moved out of my apartment in XXXX in XX/XX/XXXX. My stop service date was XX/XX/XXXX. I paid by bills by automatic transfer. I NEVER received a bill for this amount, or any amount, via email or US mail ( my mail had been appropriately forwarded to a new address in Iowa ).

On my stop service confirmation it states that all bills will be debited from my account/paperless billing as I was enrolled in autopay. I did not receive anything and did not have a clue there was outstanding debt.

Now Im receiving a collections notice on a supposed debt that I was never informed of before the collections email.

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 2025-01-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
While checking my credit profile I saw I had some inquiries that didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding a credit inquiry made by XXXXXXXX XXXX  without my authorization on XX/XX/year>. I have attempted to contact both TransUnion and XXXXXXXX XXXX XXXXo resolve this issue, but I have not received any satisfactory response from either party. My complaint has been ignored, and it seems that my concern is not being taken seriously. 

As can be seen in my credit reports, I do not have any open accounts with XXXXXXXX XXXX and therefore, I demand that this unauthorized inquiry be removed immediately. 

This incident is negatively affecting my credit report, and I believe my rights are being violated. I request prompt resolution and the removal of this unauthorized inquiry from my credit history.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On or about XXXX 2024 I received a request for XXXX XXXX and XXXX XXXX dollars ( {$550.00} ) with a threatening message on my cash app account. I disregarded the message as I was at work. I went to use my card later and realized my account was a lot lower than was supposed to be, I look and noticed I had somehow accepted the request of the {$550.00}! I immediately try to cancel the transaction, I then " talked with customer service " and they said they would look into it as I told them it was not supposed to be sent. I even requested it back from the person. Cash app leaves me a notice a day or so later saying they found nothing wrong with the transaction!!! I was furious but could do nothing. I then see the news talking about Cash App settling lawsuit and I thought about my transaction I went to look it up and it's no longer there like it never happened!!! But I took pictures of them just in case.I would love to get my money back please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: OH

Complaint narrative:
XXXX XXXX XXXX  continues to call and harass me and leave voicemails requesting me to pay my balance when I sent in a settlement correspondence on Friday. They called me Monday and left a voicemail the again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

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 2025-01-29 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: NM

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal 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 2025-01-29 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: FL

Complaint narrative:
XXXX XXXX show and have owed {$820.00} Charge off/ closed/ Wrote off. i am requesting a XXXX from XXXX XXXX. as required My the irs 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 explanation
Consumer complaint received 2025-01-29 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: NY

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 2025-01-29 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: AL

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. 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX A bill was received from Commenity XXXX XXXX  credit card stating a {$1400.00} interest was charged to the account. 
I called on XXXX to the company to compain about the large quantity charged especially since it is more than the amount that is due. Only {$770.00} was due and now there is an interest charged double the amount that was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MO

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