vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: John C. Heath, Attorney at Law, PLLC
State: CT

Complaint narrative:
hi I was sent a letter from you regarding a check from lexington law but when the check was send out.it was sent to XXXXXXXX XXXX XXXX XXXXXXXX, and the check was return to sender because I don't live there anymore. so my new address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXthank you

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 2025-01-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XXXX of XXXX, I made a purchase with merchant XXXX XXXX for a handbag that was ADVERTISED as leather. I received the handbag only to learn that it was NOT genuine leather, and I contacted the company about this, as this equated to false advertising of the merchandise. The company responds and tells me that I can return the bag for a full refund... to a location in XXXX, and that I would have to foot the bill for shipping for the return. I told them that wasn't a satisfactory option due to the fact that they falsely advertised the item as genuine leather. Had it been advertised honestly stipulating that it wasn't genuine leather, I wouldn't have purchased the bag. The burden of shipping costs was on them due to false advertising. " Fully '' refunding an item that I paid for based on deceptive information should not include me incurring a XXXX XXXXXXXX shipping fee. They refused to send a prepaid shipping label, in spite of the fact that they falsely advertised the item. They responded to the merchant ; however, did not attest or admit that they falsely advertised the item, which would have been a reason for the refund. Merchandise that comes differently than described is customarily due for a refund from the credit card company. AMEX refused to credit me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-08 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: Kriya Capital, LLC
State: CA

Complaint narrative:
My aunt XXXX XXXX XXXX is a known XXXX with a lengthy criminal history, mostly in XXXX  and XXXX. She has stolen various things, including identities from her own family and just about anyone else she encounters. My credit score got dinged from the XXXX to XXXX because of this fraudulent account. I had not received any billing prior to this hitting my collections on my report but XXXX was able to provide a better contact number which I called and discovered she used my information but her own email address as the contact email. This is another one of her many fraudulent accounts and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 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 non-monetary relief
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-08 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: MA

Complaint narrative:
I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent. I have never given written consent therefore this is also identity theft also.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Reporting on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute an erroneous bankruptcy account listed in the public records section of my credit report with XXXX, XXXX, and TransUnion. This information is inaccurate and is not mine, as I have never filed for bankruptcy in my life. 
To address this issue, I visited the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a clerk named XXXX. After I showed her my credit report and the bankruptcy entry in question, she asked for my personal information to verify whether my name appeared in their records. Upon completing the search, XXXX confirmed that my name does not appear in their system and that the bankruptcy reported on my credit report is an error. 

XXXX further explained that there are numerous individuals named XXXX XXXX in XXXX XXXX XXXX alone, which likely caused this mistaken reporting. She assured me that the bankruptcy listed on my credit report does not belong to me and is being inaccurately reported. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information promptly. As this information is clearly erroneous, I request the immediate removal of the bankruptcy account from my credit reports. 

To support my dispute, I am providing the following : A copy of my credit report with the inaccurate bankruptcy entry highlighted Below is the bankruptcy that is incorrectly info reporting on my XXXX, XXXX and TransUnion credit report 's : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX Please complete your investigation and remove this incorrect bankruptcy entry from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Reporting on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute an erroneous bankruptcy account listed in the public records section of my credit report with XXXX, Equifax, and XXXX. This information is inaccurate and is not mine, as I have never filed for bankruptcy in my life. 
To address this issue, I visited the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a clerk named XXXX. After I showed her my credit report and the bankruptcy entry in question, she asked for my personal information to verify whether my name appeared in their records. Upon completing the search, XXXX confirmed that my name does not appear in their system and that the bankruptcy reported on my credit report is an error. 

XXXX further explained that there are numerous individuals named XXXX XXXX in XXXX XXXX XXXX alone, which likely caused this mistaken reporting. She assured me that the bankruptcy listed on my credit report does not belong to me and is being inaccurately reported. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information promptly. As this information is clearly erroneous, I request the immediate removal of the bankruptcy account from my credit reports. 

To support my dispute, I am providing the following : A copy of my credit report with the inaccurate bankruptcy entry highlighted Below is the bankruptcy that is incorrectly info reporting on my XXXX, Equifax and XXXX credit report 's : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX Please complete your investigation and remove this incorrect bankruptcy entry from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-08 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:
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 Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information.

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

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 2025-01-08 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:
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 Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process.

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws by FirstSource Advantage , LLC. On XX/XX/year>, I received correspondence from Firstdource Advantage, LLC regarding an alleged debt. I have never conducted business with this company, nor have I incurred any debt with them. Concerned about the legitimacy of this claim, I promptly sent a written verification request to FirstSource Advantage LLC on XX/XX/year>, in accordance with my rights under the FCRA ( 15 U.S.C. 1681g ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In my letter, I requested the following : 1. Detailed account information : The original creditors name, address, and account number associated with the debt. 2. Proof of debt validation : A copy of the original agreement or contract demonstrating my obligation to pay the stated amount with my wet signature. XXXX. Complete payment history : An itemized statement of the debt, including the original amount, any interest, fees, or other charges, and how the total amount was calculated. 4. Verification of your authority : Documentation demonstrating your legal authority to collect this debt, such as proof of assignment, transfer, or account ownership. 5. Verification of my liability : Evidence that this debt is validly associated with me, including dates of account activity and any records proving that I agreed to the terms of this account. Under the provisions of the FCRA and FDCPA : FCRA, 15 U.S.C. 1681g ( a ) : I am entitled to clear and accurate information related to any claims against me. FDCPA, 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection efforts until the debt is validated. Failure to comply with these statutes constitutes a violation of my consumer rights. I respectfully request the CFPB to investigate this matter and ensure that [ Name of Company ] is held accountable for their practices. Additionally, I request that the CFPB ensures : The alleged debt is verified or invalidated. The company ceases any further collection attempts unless they comply with federal law. Any necessary corrective action is taken to prevent such occurrences in the future. I have attached copies of the original correspondence from [ Name of Company ], my verification request, and proof of delivery ( certified mail receipt ) for your reference. Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation