vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-12-17 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-12-17 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-12-17 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian XXXX XXXX XXXX are reporting inaccurate addresses in my report that I didnt and do not live at. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX isnt my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX isnt my address and I have never lived at that address. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX isnt my XXXX XXXX XXXX lived at it. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX isnt a business and not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX isnt my address and I have never lived at that 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 2024-12-17 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My credit card -- which I use heavily and which multiple automatic payments are tied to -- expires in XXXX of XXXX, and I have been getting many reminders from vendors about updating it. I am leaving the country on XX/XX/XXXX for a vacation. 

* I tried several times to resolve the issue through the website, but could not find any part of the website that addressed my issue. 
* I called on Friday, XX/XX/XXXX to enquire about timing for a replacement card for my expiring card. 
* While waiting to speak with a representative, an automated message said that a card had been mailed to me and asked if I was calling to activate it. 
* I spoke with XXXX (? ) who was very pleasant. She said that it would be arriving " any day '' because it had been sent on XX/XX/XXXX and would take 7-10 business days. 
* XXXX said that the card would arrive in an unmarked envelope. 
* I pointed out that it was already the 10th business day and that I have USPS Informed Delivery, with copies of scans of every piece of mail I receive. There were no unmarked envelopes on any of the scans in the previous 10 days, nor was one seen on the mail that was being delivered that day. There were also none with USAA on the outside. 
* She said it should arrive any day and asked me if I wanted to cancel that one and have her reissue the card and expedite it. I said that if she was sure it was sent on XX/XX/XXXX, and that I would get it by Monday, that I would wait. 
* Saturday XX/XX/XXXX nor Monday, XX/XX/XXXX brought the card, so I called USAA at XXXX XXXX  on Tuesday XX/XX/XXXX. 
* Before the USAA rep ( XXXX ) answered, an automated message said their records showed that I had recently received a card and asked if I was calling to activate it. I indicated that that was not the purpose of my call. 
* I explained the issue to XXXX. XXXX indicated that I was mistaken and that the card had not been sent until XX/XX/XXXX. She offered to cancel the card and send me an expedited one with uncertain timing ( 2-3 business days, probably ). She also told me that she could not waive the {$20.00} fee, but that I could call back and request that the fee be removed. 
* She asked if it was OK and I told her that it was not OK but that I did not see any choice and so I would agree to pay the fee. 
* I asked what would happen if the card did not arrive before my trip. She indicated that when the card is delivered to my home- even if I am already out of the country and unable to use it or activate it, my current card will stop working. All of the charges against the card for all of the services we charge to it will be denied and I will have no working XXXX XXXX  in XXXX. 
* Whether or not the card will get here is uncertain, given USAA 's previous mistakes.

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 monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/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 2024-12-17 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

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 2024-12-17 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: CA

Complaint narrative:
I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NH

Complaint narrative:
I called XXXX XXXX to inquire about cell phone service rates and was told if I had an XXXX  internet/cable service I would receive a rate lower than what I was currently paying with XXXX. My landlord has my utility and cable/internet service in his name despite me being the user. I asked my landlord to put the XXXX  internet/cable service in my name so that I could take advantage of the lower cell phone rate with XXXX, but he refused. I called the representative with XXXX  that I had spoken with earlier that I would not be able to take advantage of their lower cell phone rate because I could not have the internet/ cable account in my name. I never used this service with XXXX  and never changed my current cell phone provider XXXX. However I received bills from XXXX for service I never used. I call XXXX several times and also went in person to XXXX and eventually was told the matter was resolved and I did not owe money to XXXX. However on XX/XX/24 {$770.00} showed up on my credit report as collections with Transworld Systems. I called them and explained that I never used this service and did not owe this money. Despite all of these attempts, the {$770.00} collection amount has remained on my credit report as derogatory. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
i am writting to formally request the removal of fraudulent inquires that are on my credot report that was added without my knowledge or consent i have been a victim of identity theft my information has bee exposed to multiple data breaches which i belwive has lead to my information being used in attempt to open accounts in my name the fraudulent inquires in question are as follows 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 XXXXXX/XX/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 2024-12-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Started XX/XX/year> Now their going to a new product I have paid XXXX XXXX in interest, and something is just not right. None has gone to principal very little

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am exploited by many criminals in XXXX XXXX and their international friends exploiting a marital separation i have to go through with XXXX in XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX when i should be retired in XXXX XXXXXXXX. I have no income past XX/XX/XXXX and all my subscribers help or value that can be raised selling books i put online stolen. I was registrant of XXXXinfo since XX/XX/XXXX even now i have no income.

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 2024-12-17 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-12-17 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-12-17 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: MD

Complaint narrative:
Equifax I am writing to formally dispute the accuracy of certain information contained in my credit report, as permitted under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and identified inaccuracies that I believe require correction. 

I previously disputed this account with Equifax and the investigation team didnt properly investigate. 

The inaccuracies in question are as follows : I contacted CFPB to file a debt verification regarding XXXX approximately XX/XX/year>. CFPB report number XXXX. I asked for documentation that the creditor was unable and failed to provide. I previously disputed this fraudulent account I also contacted CFPB to file a debt verification regarding XXXX approximately XX/XX/year>. CFPB report number XXXX. I asked for documentation that the creditor was unable and failed to provide. I requested the below documentation and information from XXXX and they failed to provide any. 

Under Section 609 of the FCRA, I am requesting that Equifax provide me with the following information : 1. Verification of the Debt : A detailed statement showing the amount of the debt, including any interest, fees, or charges applied.

2. Creditor Information : The name of the original creditor and any pertinent account numbers associated with the debt. 
XXXX. Proof of Assignment : Documentation proving that XXXX agency is authorized to collect this debt on behalf of the original creditor. 
XXXX. Account History : A complete account history that outlines all transactions related to this debt, including dates and amounts. 
XXXX. The License Information : A copy of the license used for the creditor to operate as a debt collector in my state. 
XXXX. Signed Documentation where I have given permission to XXXX to report this information to my file XXXX. Signed documentation where I have given Equifax permission to report this information to my file Please investigate this matter and correct or remove the inaccurate information from my credit report. I have enclosed copies of my credit report highlighting the disputed items, along with any supporting documentation that may assist in your investigation. 

In accordance with FCRA guidelines, I expect a response to my dispute within 30 days. If the disputed information can not be verified, I request that it be removed from my credit report. 

Ive enclosed proper documentation to confirm my identity. See attached Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems XXXX Claims that I owe them {$19000.00} account # XXXX I have never did any business with this company and they haven't provided me any contract that I signed with them to valid their claim, however its being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management XXXX XXXX informed me on XX/XX/XXXX that my debt [ {$470.00} ] with XXXX XXXXXXXX XXXX XXXX XXXX  came into their possession. On XX/XX/XXXX, my brother sent me a text message stating, MCM just called me asking for you. They asked for you to call them back XXXX

Company response to consumer: Closed with explanation