vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$13000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$28000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$180.00} Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$4400.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$1100.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$390.00} INQUIRIES : EXPERIAN : 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 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 XXXXXXXX XXXX KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This letter serves as a follow-up to my previous correspondence, titled Final Demand for XXXX Removal of Inaccurate Information. I have yet to receive an adequate response or resolution to my concerns regarding the inaccurate and unauthorized information being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MD

Complaint narrative:
This letter serves as a follow-up to my previous correspondence, titled Final Demand for XXXX Removal of Inaccurate Information. I have yet to receive an adequate response or resolution to my concerns regarding the inaccurate and unauthorized information being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Multiple phone calls to self and other family members from XXXX XXXX XXXX attempting to collect on an old, SETTLED debt from XXXXXXXX XXXX XXXX Very abusive language with threats to serve papers and go to court. XXXX is settled with letter to prove, debt is also nearly XXXX XXXX XXXX and past the statute of limitations. To date, call has been made to self and XXXX family members that are not associated with this debt. XXXX messages left stating " This is your last chance, you have been placed on a schedule to have legal documents served ''. Caller ID shows XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to formally address a serious matter regarding the alarming number of harassing calls I have received recently. These calls have become frequent and disruptive, and despite my attempts to obtain information via mail, I have yet to receive any response or clarification regarding the nature or origin of these calls. 
What is even more concerning is that, around the same time this harassment began, I noticed a significant increase in unwanted calls from other numbers. This raises serious questions about whether my personal information has been improperly released, shared, or otherwise compromised. 
I am deeply troubled by these developments and the potential violation of my privacy. I demand an immediate investigation into the source of these calls, the handling of my personal information, and an explanation as to why I have not received any communication via mail, as expected. 
This pattern of harassment and the apparent misuse of my personal information is unacceptable. Please treat this as an urgent matter and provide a detailed response, including any records or documentation regarding the handling of my information and the source of these calls. 
Failure to address this issue promptly will leave me with no choice but to escalate this matter to the appropriate authorities, including consumer protection agencies and regulatory bodies, to ensure my rights are protected. 

I have attached the documents that was sent via mail, that has yet to be answered. XXXX of which includes a Cease and Desist. I would appreciate a response since. I have not received any written correspondence at this time.

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

Complaint narrative:
While reviewing my credit report, I found incorrect details about some accounts that are causing my score to drop unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX, as well as possibly more instances I was not made aware of, my mother was contacted via her e-mail in regards to a debt I owe. This email gave information that provided who the debt was owed to and for how much. At no time did I give permission for her e-mail to be used as a way of collection communication. I contacted this company requesting how this information was obtained and was simply told this is what we were given so we assumed it was correct. I asked this collection agency to provide the information they obtained and how it was obtained and was told we will notate your file and I will have my director look into this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, around XXXXXXXX XXXX  I received a call from Midland Credit Management regarding a debt that was in XXXX. The lady I spoke with by the name of XXXX XXXX or XXXX. I told her I was currently experiencing a hardship. Therefore I can't pay because I live with my daughter and I'm no longer working. She kept insisting I pay something on the debt. I told her if I could pay, I would not be much because I am not receiving any income. I told her my daughter sometimes helps me out. She stated whatever my daughter can give I can pay something on the debt. I told her it would not be consistent and I may fall behind again. She said it was okay. We agreed to pay {$25.00} a month. She asked me to hold and thought I was going to make arrangements. The collection manager by the name of XXXX XXXX XXXX ( I couldn't hear the name clearly ) jumps in on the call and starts saying some deceptive things to me. He stated I could be sued ; a lawsuit could be brought against me. He said the debt was old and I never tried to pay it because it's been too long. If I can make ends meet by having a phone, I can pay my debt. He said I am not trying to get out of a hardship situation and further actions can be brought against me like wage garnishment if I don't pay. I told the man he didn't know my situation and should not speak about it. He continues for about 20 minutes arguing and belittling me about not having money to pay and being in a bad situation such as hardship. The collection manager insulted me and used tactical methods to violate the Fair Debt Collection Practices Act. The conversation was on a recorded line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is not my debt. My information was leaked on the the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I would like to bring to your attention that my information was used while I was incarcerated. I see accounts on my report that I did not authorize at all. Please see attached documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-01-07 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: NJ

Complaint narrative:
I reviewed my credit report and noticed several errors that could negatively impact my credit profile. The report lists several incorrect name variations, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The correct name should be XXXX XXXX XXXX. Additionally, my report contains incorrect addresses such as XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX, XXXX NJ XXXX, and XXXX XXXX XXXX, XXXX NJ XXXX, among many others. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Also, my report lists the wrong employer, including XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, while my correct employer should be XXXX XXXX XXXX Lastly, there are phone numbers listed on my credit report that should be removed. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit report information be accurate and up-to-date. I request that these incorrect details be removed and replaced with my correct information immediately to avoid further damage to my credit. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to initiate an investigation into these accounts, as there seems to be a discrepancy regarding their accuracy on my credit report. These accounts were previously deleted but have been re-added without my knowledge. I have not received any notification or mail about their reinstatement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
Within the same day, Ive been willfully denied the request of the information that I am seeking in my CFPB complaint thats marked as a duplicate. XXXX XXXX XXXX XXXX XXXX operating with disregard to fair credit reporting. I simply requested for them to provide merchant transactions of all purchases that they alleged to have occurred on the account in which theyve deemed delinquent and accumulated outrageous late fees. 

Every attempt I made theyve willfully avoided providing that specific information. The only response Ive received is general statements and post closure account details. 
Continuing to not comply, and allowing them to report negligence without evidences puts the credit bureaus just as much in the wrong as them. 


The attached documents clearly displays that none of my request has been voluntarily adhere to. They address every aspect of the account other than the specifics of proof of account expense, leaving a balance. No merchant details no locations no purchase price of any sort just allegations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While reviewing my credit report, I found incorrect details about some accounts that are causing my score to drop unnecessarily.

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