vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt Collection Account Dear Credit Collection Service, I am writing to formally dispute the validity of the debt that has been referred to your agency for collection. The account number in question is [ XXXX ], and I believe that this debt is inaccurate for the following reasons : I do not owe this debt, the amount is incorrect, I never signed a contract for this, etc. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including the following information : 1. The name of the original creditor 2. A copy of the original agreement or contract that created the debt 3. An itemized statement showing the amount owed and any fees or charges applied 4. Any other documentation that substantiates the debt Until this information is provided and the debt is verified, I respectfully request that all collection efforts be halted and that this account be marked as disputed on my credit report.

Please respond in writing within 30 days as required by law. If you do not provide the necessary documentation or fail to resolve this matter, I will consider pursuing my rights through the appropriate legal channels. 

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

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because an account that was previously deleted from my credit report has been unlawfully reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor : XXXX XXXXXXXX XXXX, Account XXXX : XXXX. This account was removed from my credit report but has now reappeared. I was not notified of the reinsertion within the required five business days, as outlined in 15 USC 1681i ( 5 ) ( B ). Additionally, this account is associated with identity theft and was reported without my explicit written consent, further violating my rights under 15 USC 1681c-2 and 1681b ( 2 ). Experian has failed to provide documentation proving that the reinsertion followed the required procedures. Their actions have caused me significant harm, including mental distress and damage to my creditworthiness.

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 2025-01-03 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX was charged to XXXX  from my account. 

I called and entered into a dispute. Any reputable place responds in XXXX hours - it is XX/XX/XXXX and there has been NO communication after I call, email, and wait. 

I was contacted by someone who sent me to the " fraud '' department and in reality it was the lost and stolen department. 

I told the employee, I was dissapointed with AVANT and would be telling anyone I knew that their lack of follow up was unacceptable to which the employee said, " you would not be the first one. '' They are still not providing me with any credit on these fraud charges and can provide me with no evidence that I made the charges. At this time, I have a minimum payment due. 

Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party. 
Upon further review of my consumer credit report, I discovered a number of violations on my consumer report that were previously brought to your attention in a previous dispute. There has been no attempt on your part to correct these violations. I am expressing my concern and bringing it to your attention for a second time. I demand that you remove these items from my consumer credit report. 

ACCOUNTS ACCOUNT XXXX XXXX XXXX XXXX Reporting violations XXXX, XXXX day lates in XXXX of XXXX ; XXXX day late in XXXX of XXXX ; XXXX XXXX day lates in XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting violations XXXX day lates in XXXX and XXXX of XXXX ; XXXX to XXXX day lates in XXXX of XXXX XXXX XXXX XXXX Reporting violations XXXX day late in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting XXXX XXXX, XXXX, XXXX day lates in XXXX of XXXX According to FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Except as provided in paragraph ( 3 ), the term credit report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; TransUnion is in clear violation of 15 USC 1681. This unauthorized disclosure of late payments on my consumer credit report is defamatory, thereby causing me to be denied credit and fair access to homeownership. 
Delete the late payments listed from my consumer credit report immediately. Failure to respond satisfactorily with deletion of the accounts referenced below and a free copy of my consumer report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] Thank for your cooperation regarding this matter. I look forward to your timely response.

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 2025-01-03 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX XXXX reported back to you that the account was inaccurate and marked for removal. It is now XX/XX/XXXX and it is still inaccurately reporting as a collection. This was supposed to be removed in its entirely. It is a shame that companies like this can put things on you national credit report that prevent things like housing for your kids. They should be fined and made to immediately remove this and put out of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXXXXXX XXXX reported back to you that the account was inaccurate and marked for removal. It is now XX/XX/XXXX and it is still inaccurately reporting as a collection. This was supposed to be removed in its entirely. It is a shame that companies like this can put things on you national credit report that prevent things like housing for your kids. They should be fined and made to immediately remove this and put out of business.

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 2025-01-03 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: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute inaccuracies in my credit report. Upon reviewing my report, I identified multiple errors, which I request you to investigate and correct. Below are the issues : XXXX. Incorrect Addresses Listed on My Credit Report : 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  None of these addresses are associated with me. Please remove them from my credit report.

2. Incorrect Social Security Number : The Social Security number listed on my report ( XXXX ) is incorrect. Please update it to match my actual Social Security number, which I have provided in the attached documentation. 

XXXX. Unauthorized Inquiries : There are unauthorized credit inquiries on my report that I did not authorize. Please investigate and remove these inquiries. 


Supporting Documentation : Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these issues and correct my credit report. Please provide me with written confirmation of your findings and any corrections made within 30 days. 

If you require further clarification, you can reach me at the address, phone numbers, or email provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried for two years to get a proper credit report from both trans union and XXXX and I am told that my address is not on my credit report when its been on my report the entire time I have also asked to be able to access my report online and they have blocked it even after me sending my identification and social as well as my address in I officially relocated to Florida effective XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I updated it on XXXX and I will put the proof in where asked but my former address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am requesting that my credit report be updated and corrected to reflect my current XXXX XXXX immediately as I have had several negative items deleted from my credit report trans union and XXXX are both in violation of 15 us 1681 and I will be seeking verification and damages for my consumer protection

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was contacted by USAA via a phone call about XXXX XXXX payment I did not make. The caller used XXXX number somehow to get even more money from me at a local XXXX under the ruse of placing the money back I to my account. I provided all the information from XXXX XX/XX/XXXX several time for the 4 different charges. USAA gave me the money back for all four charges. A month later I was notified that after their investigation I was at fault and they took a total of XXXX back from my account leaving it empty. I have once again started the process to try and get my money back due to the scam using my banks information. USAA had me fully change my bank information and sent new card after remembering but now I'm sitting without the money once again. There was no notes in the system as to what was even looked at or reason for denying my refund from the bank.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.

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 2025-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found inaccurate inquiries not authorized by my self. I have no knowledge of these inquiries. Inquiries are from 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 2025-01-03 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: TX

Complaint narrative:
I received a copy of my credit report and found inaccurate inquiries not authorized by my self. I have no knowledge of these inquiries. Inquiries are from 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 2025-01-03 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: LA

Complaint narrative:
I have tried to rectify the issues with XXXX as I am a victim of identity theft as well as a victim of the Equifax data breach. XXXX, Equifax refuse to acknowledge my paperwork and are using stall tactics. I have demanded that they remove the information and delete the fraudulent and inaccurate accounts and XXXX and Equifax will not move forward with my documentation. I have submitted a FTC report as my drivers license and social security card. I asked why it wasnt acceptable and they told me that they wouldnt disclose the reasons. I demand that the accounts from my FTC report are removed and that they acknowledge my documents and discontinue the stall tactics that are being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: MD

Complaint narrative:
In XX/XX/XXXX, I sent a handwritten letter via certified mail requesting additional details to confirm the account and the amount owed. I also reached out to the account representative to discuss payment options, as I had already made payments to the apartment and leasing office related to this account. Despite my efforts, I did not receive a response to my letter. 

In XXXX, I attempted to contact their offices again, only to be informed that I owe this debt and must pay it immediately. Upon further investigation, I discovered that other parties on the account were contacted and offered a deal : if they paid the balance, they would be removed from the account and receive a 10 % discount for immediate payment. These parties complied, paid the balance, and were removed from the debt and account. 

However, the remaining 10 % of the balance was subsequently added back to the account and is now being attributed to me. This tactic is deceptive and dishonest, as the other account holders were led to believe that their payment would close the account entirely for all parties involved. Instead, the account remains active, leaving me unfairly responsible for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
Contacted all 3 major credit bureaus via telephone, mail and filed numerous complaints to have inaccuracies removed from credit due to reporting errors and violation of consumer laws ; instead of investigation and removal of item they refused to process sending an email stating that the request seems to be from a third party which is invaild. All my personal identification was attached to letters and in signature line it states " I PERSONALLY SIGNED THIS LETTER AND REQUEST THIS INVESTIGATION ''. Bureaus are aware laws were broken and that type of response is just to provide a reason as to not follow the laws.

Company response to consumer: Closed with non-monetary relief