vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: Credit Karma, LLC
State: MI

Complaint narrative:
After several months of waiting for Credit Karma to contact me, I was able to reopen disputed transactions on XX/XX/year> totalling {$3600.00} of fraudulent transactions that were never reimbursed. 

I can not get the status of this dispute by calling or via virtual chat. The Dispute IDs are XXXX and XXXX. The were made on XX/XX/scrub>XXXX XXXX They total over {$3600.00} for all transactions combined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MO

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The information belongs to the ones who is reporting it because they are the ones selling all the information to anyone who buys. All the none trustworthy business/corruptions ; Equifax, Experian, Transunion, always blocking and delaying my calls, making it very inconvenient to access report on multiple occasions where calling to get help was impossible if you didn't pay the subscription for services over the years on and off, as I was seeking information about my credit, disputing inaccurate information but they kept on violating the Fair Credit Reporting Act. These company conducted superficial investigations into my disputes and allowed incorrect information to reappear in credit reports over past several years. This mishandling negatively impacted my financial well-being, mental health, it caused great insecurities, homelessness. I was denied a home loan from XXXX XXXX XXXX XXXX, I was denied car loans from several different lenders. I have suffered years upon year desputing the information. My Identity is compromised with wrong addresses, names spellings, phones numbers, and employers, the agengies have shared false and misleading and theft of information, student loans have been disputed several times and ask to remove due to outdated and readded of deleted defaulted loans. I never gave permission to put false information or to use my information against me. U.S. Dept Of Ed Misreporting and Privacy Violantions, reporting of old aged accounts, XXXX, XXXX. XXXX XXXX, XXXX all are inaccurate in fraud they had no right to report that. I have complained here before and they have already had a chance to correct errors and they said they did.

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 2025-02-20 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: MD

Complaint narrative:
Complaint Statement Regarding XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Credit Reporting Errors On XX/XX/2022, I experienced issues accessing my account with XXXX XXXX XXXX due to a system failure during their online banking platform rollout. As a result, I was unable to view balances, make transactions, or access credit information for several weeks, which caused financial harm. 

During this time, I incurred {$250.00} in overdraft fees and missed a credit card payment, which negatively impacted my credit score. I contacted XXXX XXXX XXXX customer service on XX/XX/2022, regarding the issue, but they provided no resolution and stated they were working on fixing the system. 

Under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), financial institutions are required to maintain accurate credit reporting and ensure consumer data protection. The failure of XXXX XXXX XXXX to provide access to my financial information and the potential compromise of my data violate these protections. 

As a result of these disruptions, I have discovered multiple derogatory marks on my credit report, which I believe are directly related to the issues caused by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These include : XXXX. XXXX - Account Number : XXXX Status : Derogatory Limit : {$4000.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX Status : Derogatory Limit : {$400.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX - Account Number : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ** Status : Derogatory Date Opened : XXXX Date Reported : XXXX Balance : {$500.00} These negative marks are harming my credit score, and I believe they are the result of the banking failures, inaccessible accounts, and potential reporting errors that occurred due to the financial institution outages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I noticed a debt collection on my credit report from XXXX for {$110.00} from the debt collector Source Receivables Management it says it was opened on XX/XX/year>. I have disputed it numerous times through XXXX XXXX and they keep denying my dispute when Ive contacted them numerous times explaining it was due to identity theft from when my information was leaked through a data breach in which Ive had to join a Classaction lawsuit just to try to get reimbursed from where a few accounts were opened with my information without my knowledge yet they still refuse to take it off of my credit report which has hurt my credit pretty badly..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received a copy of my credit report. I have contacted TransUnion a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that TransUnion has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''

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 2025-02-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXXXXXX XXXX SS # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Debt Validation Request I am writing to formally dispute the validity of the debt and to request validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681.

According to 15 U.S. Code 1692g ( a ), I have the right to request a validation of the debt you claim I owe. Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed statement of the account, including any fees or interest charges.

4. Documentation that verifies that I am legally obligated to pay this debt.

5. Proof that you are authorized to collect this debt in my state.

Additionally, under 15 U.S. Code 1681, I am requesting that you provide me with the necessary information regarding how this debt is impacting my credit report. Please include details on the reporting agency that provided you with my credit information and the dates of any negative reporting. 

Please send your response to my address listed above within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-02-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
The company never once took into consideration the cash offer of {$3000.00} and other options for me to retain the home. They never listed options on how I could make that a possibility. All this company has done has shot down XXXX different modification request attempts, XXXX denials of appeal letters. I was also forced to wait longer than 30 days for an answer to my last request. It recieved a letter after more than 45 days from the letter i sent in. I have had to go through so many phone calls with many different people calling me and asking me questions that don't relate to my case and when it did it was to say I forgot to send something that had already been sent. I also worked with XXXX XXXX on the matter, a representative from sc homes and someone whom helps people like me send the paper work and try to get the company to work with the state to allow the person to stay in their home. Her email is XXXX and she can also be a witness to the testimony that I have given. They never once called once they recieved the paper work to let me know what possible outcomes they are coming up with and nothing ever changed even when a cash offer came in to pay part of the past due balance? Something is definitely a little off with that, basically not showing any different reaction or concern even when a cash offer to help make up for some payments of {$3000.00} which basically makes up 6 months of amount. The option that is the only one available is the same option I've had every time. Please contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally mandated timeframe. During XXXX and XX/XX/2024, I submitted multiple disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

Although the Fair Credit Reporting Act ( FCRA ) requires a response within 30 days, I have yet to receive any official acknowledgment, investigation findings, or supporting documentation from any of them. Their failure to act is a clear violation of federal law. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to step in and ensure the credit bureaus fulfill their legal obligations. Since they have failed to comply with the XXXX deadline, I am demanding the immediate removal of the disputed items from my credit reports, along with written confirmation that the necessary corrections have been made.

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 2025-02-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to respond to my credit disputes within the legally mandated timeframe. During XXXX and XX/XX/2024, I submitted multiple disputes to each of these credit bureaus, requesting investigations into inaccurate information on my credit reports. 

Although the Fair Credit Reporting Act ( FCRA ) requires a response within 30 days, I have yet to receive any official acknowledgment, investigation findings, or supporting documentation from any of them. Their failure to act is a clear violation of federal law. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to step in and ensure the credit bureaus fulfill their legal obligations. Since they have failed to comply with the XXXX deadline, I am demanding the immediate removal of the disputed items from my credit reports, along with written confirmation that the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
EXPERIAN CREDIT BUREAU IS REPORTING UNAUTHORIZE INQUIRIES ON MY CREDIT REPORT XXXX ) XXXX XXXX DATE XX/XX/year> AND XX/XX/year> XXXX ) XXXX XXXXXXXX : DATE : XX/XX/year>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 2025-02-20 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: GA

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-02-20 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: IL

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-02-20 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: 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX & XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation