vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: CA

Complaint narrative:
PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX / XX/XX/XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: NY

Complaint narrative:
all my legal / private information deleted.Nothing has been changed.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED COMPANY XXXX XXXX XXXX, EXPERIAN, AND XXXX. SOCIAL SECURITY NUMBER XXXX, XXXX. XX/XX/1983, NAME : XXXX XXXX XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: GA

Complaint narrative:
All three of my credit reports are different making my credit inaccurate making itt for extremely hard for me to correct my credit and my credit score XXXX XXXX, Expedian

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I HAVE CHASE XXXX XXXX CARD WHICH IVE NEVER BEEN LATE PAYING BUT THE LAST FEW MONTHS, EVEN THOUGH I PAY ON THE DUE DATE, THEY'VE STOPPED CREDITING MY ACCOUNT SO NEXT MONTH 'S STATEMENTS SHOWS A BALANCE. THIS IS WHAT HAPPENED AGAIN TODAY XX/XX/XXXX. I HAD A PAYMENT SCHEDULED TO PAY THE FULL BALANCE ON XX/XX/XXXX {$900.00} THE CHASE PORTAL, WHICH IS WHAT I NORMALLY DO EACH MONTH. NOW, THEIR SYSTEM SHOWS RECEIPT OF THE PAYMENT ON XX/XX/XXXX, BUT THEIR SYSTEM AND MY NEW BILL STILL SHOWS THE TOTAL BALANCE OF {$900.00}. THE REP THAT I SPOKE TO TOLD ME I NEED TO PAY THEM AT LEAST 5 DAYS PRIOR LOL, I MENTIONED THAT NO OTHER CREDIT CARD THAT I PAY WORKS THIS WAY, PAYMENT SHOWS RECEIPT ON THE XXXX SO MY BALANCE SHOULD REFLECT THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED COMPANY XXXX XXXX XXXX, XXXX, AND EQUIFAX. SOCIAL SECURITY NUMBER XXXX, XXXX. XX/XX/1983, NAME : XXXX XXXX XXXX. 

ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: KY

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically in relation to the account referenced with XXXX XXXX XXXX account number : XXXX, date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : account number XXXX dated XXXX XXXX XXXX .XXXX  XXXX XXXX : account : number : XXXX date XX/XX/XXXX, After extensive review, I have identified discrepancies in the reports and it appears that there may be a violation. of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account do not match my payment history. I would like to inform you that, to the best of my knowledge, I have consistently paid this invoice on time, in accordance with the agreed upon terms. 
I understand that under 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report must not contain information solely about transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between me and your company. 
Additionally, I request that you provide me, in writing, the procedures [ under 15 USC 1666 ( b ) ] that you have adopted to ensure that each reasonable periodic statement is mailed to me ( the consumer ) no later than 21 days. before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid as agreed, never late ) : The terms of our agreement have always been met and the account in question should reflect a status of " Paid as agreed, never late '' based on payments made on time. It is imperative that my credit report accurately represents my financial responsibility and my commitment to meet my payment obligations. 
I hereby request that you provide documented evidence supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communications indicating that payments were indeed late. In the absence of valid evidence, I hope the credit report is rectified as soon as possible. 
If, after a thorough investigation, you are unable to provide verifiable evidence of late payments, I demand that the account be updated immediately to reflect its exact status as " Paid as agreed, never late. '' According to XXXX, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to comply with this schedule will be considered a violation. 
of 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/year>, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/year>, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/year>, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/year>, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/year>, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/year>, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX. They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In XX/XX/2024, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/2024, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/2024, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX  They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.

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 2024-07-20 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX ; XXXX  : # XXXX ; and XXXX XXXX XXXX  : # XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal XXXX  against American Express ( Amex ) regarding an erroneous and unjustified decrease in my credit limit. This action has significantly impacted my credit score and financial stability. 

I have been a loyal Amex cardholder since XXXX, consistently making payments on time and maintaining a good credit history. Despite my responsible use of credit, Amex recently reduced my credit limit from {$25000.00} to {$4400.00} without any prior notice or valid explanation. The reason given by Amex was, " Based on your credit report, you are or were past due with another creditor ( s ). '' On XX/XX/XXXX, I contacted Amex customer service and spoke with XXXX XXXX in the credit division to address this issue. I informed XXXX that their decision to grossly reduce my credit limit was based on incorrect and invalid information. I have placed a dispute with the other creditor mentioned, and there is no past due balance with them. Furthermore, I have been an exceptional Amex customer without any derogatory infractions, and my Amex account is current and without a past due balance. 

This unexpected reduction in my credit limit has adversely affected my credit score, which in turn impacts my ability to obtain favorable credit terms in the future. I believe this action by Amex is unjust and not in accordance with fair credit practices. 

I request the CFPB 's assistance in investigating this matter and ensuring that Amex restores my original credit limit. Additionally, I seek assurance that my credit report will be corrected to reflect the accurate credit limit and that my credit score will be restored to its previous level. 

Attached to this letter are copies of relevant documents, including my recent credit card statements, credit report, and correspondence with Amex. I trust that the CFPB will handle this complaint with the seriousness it deserves and help resolve this issue promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: KY

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically in relation to the account referenced with XXXX XXXX XXXX account number : XXXX, date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : account number XXXX dated XXXX XXXX XXXX .XXXX  XXXX XXXX : account : number : XXXX date XX/XX/XXXX, After extensive review, I have identified discrepancies in the reports and it appears that there may be a violation. of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account do not match my payment history. I would like to inform you that, to the best of my knowledge, I have consistently paid this invoice on time, in accordance with the agreed upon terms. 
I understand that under 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report must not contain information solely about transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between me and your company. 
Additionally, I request that you provide me, in writing, the procedures [ under 15 USC 1666 ( b ) ] that you have adopted to ensure that each reasonable periodic statement is mailed to me ( the consumer ) no later than 21 days. before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid as agreed, never late ) : The terms of our agreement have always been met and the account in question should reflect a status of " Paid as agreed, never late '' based on payments made on time. It is imperative that my credit report accurately represents my financial responsibility and my commitment to meet my payment obligations. 
I hereby request that you provide documented evidence supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communications indicating that payments were indeed late. In the absence of valid evidence, I hope the credit report is rectified as soon as possible. 
If, after a thorough investigation, you are unable to provide verifiable evidence of late payments, I demand that the account be updated immediately to reflect its exact status as " Paid as agreed, never late. '' According to XXXX, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to comply with this schedule will be considered a violation. 
of 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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I contacted XXXXXXXX XXXX XXXX and updated the mailing address for a credit card opened in my name. Account was opened on XX/XX/year>. I advised them to close the account advising this account was fraudulent. We reviewed the charges and the charges onthe card were mainly from a different country. They advised the investigation came back negative and concluded I was responsible for this. This investigation occurred I believe in XX/XX/year> when I first became aware of debt. When I asked what the determining factor in the investigation was being concluded against me, a rep via phone advised they couldn't provide that information. After speaking with a supervisor he advised me to mail a request requesting reason for investigation being closed. Also advised me to file a police report and mail off which was also done. For months I received no contact unless I called the creditor. I now come to see debt has been sold to XXXX XXXX XXXX for a higher amount than the credit was originally for. 

Original Debt was {$400.00} and debt was sold for {$780.00}. 

I contacted XXXX XXXX today who are unable to provide me the paperwork regarding the sale. I also attempted to contact XXXX XXXX and they'll no longer help me advising me to contact XXXX. I'm unsure how to resolve the situation. Technically there is now no documentation regarding this account. 

I can attach an invoice from creditor. Only documentation I have is bills. I have none of the original bills as I had to have the mailing address updated to my current address. 


I have another instance of fraud occurring with XXXX XXXX. Appears this card was taken out XX/XX/year>. Notating this card as I'm attempting to have this card rectified as well. No statement has been received regarding this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I want to report that someone opened a account with XXXX XXXX  which was sold to Transworld Systems INC without my knowledge and Its now being reported on my credit report and this is definitely fraud and its defamation to my character and I want them to remove it immediately and to investigate who actually opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OH

Complaint narrative:
I was in an attempt to purchase a vehicle and I noticed you charged off this account, which according to the IRS, this is canceled debt, which it can't be reporting as income you've have this canceled debt is part of there profit and loss, which would make this reporting on my credit report as " incomplete reporting and inaccurate please send me the 1099-c form

Company response to consumer: Closed with non-monetary relief