vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was part of the data breech. By right I have a right to accurate information on my credit report. I have contacted the 3 credit agencies regarding the data breech and my identity compromised but have not received any outcome yet.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was part of the data breech. By right I have a right to accurate information on my credit report. I have contacted the 3 credit agencies regarding the data breech and my identity compromised but have not received any outcome yet.

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 2025-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Procollect INC. 

{$1000.00} Account Number : XXXX Date Assigned : XX/XX/year> Agency Number XXXX I received a negative report on my credit report from a company I have never heard of. I called Procollect, INC. originally and was told they received my information from XXXX XXXX XXXX XXXX XXXX and I would need to call them for any additional information. I called XXXX XXXX XXXX XXXX XXXX they do not have an account for me at all ever. I was transferred to a supervisor and a manager and they could not find an account. 

I have not signed up for this service, I have lived in an apartment for the past 4 years and would not need gas service. Also my energy provider is XXXX ( not associated at all ). 

This is fraud or someone got the information incorrect by mistake. 

Please have this removed from my credit. 

Unless they can provide accurate information stating that this is my account. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I have sent THE U.S. Department of Education Notices in the mail Certified Return Receipt and requested information on XX/XX/year> and today, XX/XX/year> I received the return receipt back. Just confirming with the CFPB and The Dept. of Education located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my own private records that they do in fact send the correct information and in a timely manner

Company response to consumer: Untimely response
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2025-01-06 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I have an American Express Platinum card and one of the published benefits of that card is Hilton Honors Gold status. I tried to contact BOTH American Express and Hilton in XXXX regarding obtaining the status that is an advertised benefit of the charge card but both companies blamed each other and said I would have to contact the other company, which I did, to no avail. 

I re-attempted to enroll in Hilton Honors Gold status again today, on Monday XX/XX/XXXX. I was unsuccessful yet again. I am disappointed that I am not getting the published status for this card and can not get either company to fix this problem...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with SOUTHERN CREDIT RECOVERY, they did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have been scammed, services not provided. I dont know how else to request help from cashapp. Ive requested a chargeback since i was charged and never received services promises. Im not even asking cashapp to reimburse me, im asking for them to not protect scammers, there should be a way to get a chargeback from people who steal money and dont deliver services. Ive tried to request the money back. Thats money i can use for gas. It is not okay for scammers to just get to walk away with money thats not earned. Please help. Ive already tried to dispute this with cashapp and they have not helped. I dont know how else to go about this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been trying to get this error corrected by XXXX XXXX! I love this credit union but I was informed that, l wouldn't get any late payments during my hardship period. I Had continued to pay even while XXXX, sick, and loss my job because of XXXX XXXX. My credit card was paid on time and in full. After the account was closed, then the XXXX late payments popped up. My rights have been violated 15 USC 1666b 15 USC 1637 ( b ) 15 USC 1681s-2 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AL

Complaint narrative:
XXXXXXXX  Dear Representative, Please protect me from American Express. American Express has repeatedly engaged in intentional deceptive and abusive practices that violate my consumer rights, as evidenced by the following : 1. Conflicting Dispute Timelines : American Express has provided inconsistent information regarding the timeline for my dispute. XXXX  XXXX shows a chat message confirming that my dispute timeline was valid through XX/XX/year>. However, the next week I received an unsigned letter dated XX/XX/year>, stating I had 30 days to provide additional information to support my dispute. 
2. Unreviewed Dispute Closures : On XXXX XX/XX/year>, American Express opened and closed my dispute without conducting a proper review, XXXX XXXX XXXX XXXX. Blocked Online Access : XXXX XXXX  demonstrates how American Express intentionally blocked my account from accessing the online dispute portal, further hindering my ability to resolve the issue. 
4. Billing During Dispute Period : Despite being within the 30-day dispute timeline, American Express billed me for the XX/XX/year>, payment. This is documented in XXXX  XXXX and represents a direct violation of their stated dispute resolution policies. 
These actions by American Express are not isolated incidents but part of a recurring pattern of deceptive practices. Such conduct undermines transparency and accountability, leaving consumers like myself exposed to unfair billing and dispute-handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: KY

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXXXXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards.

2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports.

Specific Requests : 1. Conduct a thorough investigation into this account.

2. Reques XXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately.

4. Provide me with a written response detailing the results of the investigation and actions taken. 
SincerelyXXXX : 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 2025-01-07 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-06 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-07 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: NJ

Complaint narrative:
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 in to be removed. 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 purpose, 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. XXXX XXXX AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

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 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
Company : Monterey Financial Services Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Summary of Violations : 1. Monterey Financial Services is engaging in debt collection activities in Illinois without proof of a valid license, which is a violation of state laws. 
2. The contract provided by Monterey Financial Services is governed by XXXX law and subject to California jurisdiction, raising concerns about the enforceability of their collection efforts in Illinois. 
3. Monterey Financial has failed to validate the debt properly, as required by the Fair Debt Collection Practices Act ( FDCPA ). 
4. No proof of a 1099-C form issuance was provided, which is required if the debt was charged off or forgiven, potentially leading to IRS violations . 
5. Monterey continues to report inaccurate information to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I have been receiving multiple emails and letters in the mail from multiple company stating that my information has been used in the security breach. I have things on my credit report that I never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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 2025-01-07 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: CA

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 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief