vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-01 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:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of.

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 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: MI

Complaint narrative:
Reliant still have this debt on my credit report. Spoke with XXXX from reliant capital solutions XXXX she said debt is being disputed. And did not provide information why I havent received a letter of debt. Just kept talking about a letter I never received. Just told me she has to ask a manager is it ok to email me or mail me a letter of debt that they say I owe. But she did let me know that XXXX stated I never finished registration for classes. So how do I owe this debt when I couldnt register for my classes due to their system being down??? And I went to a different college because I couldnt register for XXXX  classes. Please provide me proof so I can move on with my life Im already suffering from XXXX and this is only causing more emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have 3 credit cards with Citi bank. Cosco/AAdvantage/XXXX I have NEVER had a late payment and have always paid at least the minimum plus. My husband died in XXXX, and my income decreased. I had to use my credit cards. I did not use all of my credit limit, but my balances did go up significantly in a short time period. 

On XX/XX/XXXX my credit limit was reduced on ALL 3 of my cards, to just over what I owed. This significantly increased my credit usage, resulting in a major drop in my credit score. Now today, XX/XX/XXXX, I received an email informing me that my credit limit was being decreased again due to my credit score. Citibank, dropped my credit limit, which caused my credit score to go down, then dropped my credit limit again due to my score going down. I believe this is wrong and if not illegal, it is definitely poor business practices. I have credit cards from several banks and they have not ever decreased my credit limit, even after my score dropping. I have NEVER missed or had a late payment!!!! 

I pay my bills on time, as my credit reports show 100 % on time payments. 

I have recently received more income. I am trying to pay down all of my credit cards, to improve my usage percentage. Now, my usage will again go back up, resulting in another lowering of my credit score, which will then cause another decrease in credit limit. This is a vicious circle and is an incredibly cruel practice. 

I called customer service today to dispute this and was told that I could NOT dispute this decision. I can not even call the department that makes these decisions, so they obviously know what they are doing is wrong. 

They are making it impossible to dig out of a financial hole. 

Once again, this is the ONLY company that has done this. I have XXXX XXXX, XXXX, XXXX, etc. No problems with these companies.

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 2024-05-01 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-01 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: NJ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Hello, I signed up and thought I canceled my membership with XXXX XXXX until one day I say {$62.00} was taken from them. Seeing that I went through my old statements and saw that theyve taken {$280.00} in total. I went back and forth with XXXX XXXX customer service from XXXX to XXXX ( all through email ) indicating that Ive sent in multiple attempts to cancel my membership as Ive never entered a location. During this time I disputed it with my bank and was giving a temporary credit in case I won the dispute. After about 8 attempts to cancel through paper mail, email and phone calls they terminated my membership after no use. On XX/XX/XXXX my bank emailed me saying I lost the dispute, XXXX was in the right, and theyll be removing the temporary funds I.e paying XXXX. 
I started receiving frequent calls from XXXX XXXX a representative from Aldous & Associated starting XX/XX/XXXX. They would call from a new number every time from different states ( I have voicemails ) .I called back and spoke with XXXX XXXX letting her know the debt was paid and I can send a screenshot showing it came from my account. She told me they only accepted paper mail and I would have to send the proof. XX/XX/XXXX I mailed the letter/proof ( I have a video of the letter ). I called my bank to ensure I sent the right documents and that XXXX was paid they assured me that the debt was settled and that was the only information I needed to provide. XX/XX/XXXX I received another call from XXXX XXXX saying I need to call back because the debt isnt settled when I did she said they received my proof but need to verify with XXXX XXXX I let her know they need to figure that out because the money was taken and the proof was given on my end. Ive still been receiving calls saying I need to let them know if they should move further asking XXXX for proof. Today XX/XX/XXXX I spoke with XXXX XXXX again she got mad after I let her know they have no reason to keep contacting me the debt has been paid. She told me to send the same proof again with an attitude and hung up on me. I called back to speak with a manager they put a fake manager on the line named XXXX XXXX who started to scream at me then hung up. I called back again another man immediately answered calling me the wrong name saying I need to pay XXXX I said oh is that the name you see on the account he clearly was using a fake voice and starting to scream I hung up on them. I have proof of most of this via Screenshots, videos and email. 

Sorry for the lengthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-01 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: GA

Complaint narrative:
This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( XXXX Inquiries showing ) XXXX XXXX XXXX Also please remove all fraud alerts and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( XXXX Inquiries showing ) XXXXXXXX XXXX XXXXXXXX Also please remove all fraud alerts and statements.

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 2024-05-01 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: LEXISNEXIS
State: VA

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: WA

Complaint narrative:
I received notice from Coast Professional , IncXXXX dated XX/XX/2023. They are attempting to collect a debt, which they also placed as delinquent on my credit report. Their notice said that I had until XX/XX/2023 to write to them to dispute the debt. Their notice said to send the dispute to their email " XXXX '' I sent them a letter on XX/XX/2023 explaining that I was disputing the debt and requested verification of the debt, fees and the name and address of the original creditor. 
They have not responded to my request. 
Furthermore, they have continued to send me letters demanding payment, and also continued to call me on my phone.

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 2024-05-01 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: NY

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Dated XX/XX/XXXX I received a letter from Chase that said thank you for applying for a new Chase Freedom XXXX XXXX XXXX account we reviewed your application and we're unable to approve this account for you at this time. I called Chase at XXXX XXXX and spoke to the fraud department because I never submitted an application for a credit card. The fraud department representative XXXX with Chase told me that somebody had attempted on XX/XX/XXXX to open a credit card under my name using an IP address. They told me to freeze my credit reports which I did and to report to the police of victim of fraud in XXXX XXXX which I attempted to do and they were unable to help. Chase did remove the attempt from my credit report but there was no other assistance they could give me XXXX told me that he was unable to tell me who the XXXX address was due to their rules and regulations and that only the police department could tell me that after they investigated. The police department told me that yes that could be true but if the person who attempted the fraud is in XXXX XXXX XXXX state they are not able to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: ID

Complaint narrative:
on XX/XX/24 I saw XXXX charges, XXXX for XXXX and a second for XXXX. They originally credited the acct, closed that card and sent me a new one. 
Said they would notify me of any disposition. 

XX/XX/24 When I went to pay my card off I find they charged these amounts back unto my new card without explanation. 
When I called I was transferred to XXXX different departments and then told me they did not have a reason why and gave me a number to call tomorrow. It is now XXXX XXXX time. 
I asked for a supervisor and asked that the card be cancelled and that a new dispute started. They referred me to the other closed dept and as far as I know did not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On my credit report for XXXX, I have XXXX inquiries that I did not do. XXXX from XXXX and XXXX from XXXX. Both are from Citibank. I wrote them letters twice, they were both sent back to me saying return to sender. I have called them on several occasions and they said they have no knowledge of these inquiries. However they will not remove them from my 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 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
I signed up for smile direct club XX/XX/year> for {$2300.00} paid across XXXX  months. As the contract states - HFD ( healthcare finance direct ) is the payment processor and XXXX  was the creditor " Payments are made to Healthcare Finance Direct, LLC ( HFD ) as payment processor for XXXX. '' I continued to make my monthly payments despite the bankruptcy looming. My treatment abruptly ended in XXXX XXXX when XXXX 's bankruptcy resulted in full cessation of operations and smile " lifetime guarantee ''. I have continued to make payments as a sign of good faith and have reached out several times to have them cancel my account in lieu of this situation. Without my treatment I am now suffering financially and physically with payments being made for a company that no longer exists for a treatment that was ended abruptly. Among this I am being threatened to continue making payments by a payment processor for a creditor who is bankrupt- or face the consequence of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The presence of a bank loan on my credit report has come as a surprise to me, as I have no recollection of being involved with this particular lending institution. Moreover, I have never seen any collection agency associated with this bank. Given these circumstances, I am concerned that the presence of this loan on my credit report may be in error. 


I would like to request that the collection be removed from all three major credit bureaus, namely XXXX, XXXX, and XXXX. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES NIT BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED XXXX SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: MI

Complaint narrative:
I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES XXXX BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED XXXX SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS AS WELL

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 2024-05-01 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: FL

Complaint narrative:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-01 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: NY

Complaint narrative:
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX I MAY PRESUME THAT XXXX NO PROOF OF THE NOT TeRRAS to submit certa ALLEGED DEBT, d to check the status NOR THEREFORE ANY redit Karm SUCH DEBT, IN FACT EXIST!

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