vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account number : XXXX Amount balance : {$410.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX & XXXX XXXXXXXX XXXX XXXXXXXX, NY, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute.

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 2025-01-27 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IA

Complaint narrative:
Twice in the last six months I requested copies of my Lexis Nexis clue  report and the company declined to provide it. Then, I applied for car insurance through XXXX, and they told me that Lexis Nexis Clue reported that I was involved in an " at fault '' car accident on XX/XX/XXXX. 

I can not get a copy of my Lexis Nexis Clue Report because they refuse to provide it, and are telling insurers that I caused an at fault car accident. What happened was I was driving on XXXX XXXX XXXX on XX/XX/XXXX ( I reported the claim on XX/XX/XXXX ), was that I was driving behind a semi, from which a rock fell and cracked my windshield. I suppose a rock shattering my windshield was a type of collision, but when a " collision '' or car accident is reported, one thinks a crash, or the vehicle breaking down, and someone getting hurt. I'm being penalized on my insurance like Lexis Nexis caught me with an at fault collision for speeding. 

The insurance I had at the time, XXXX XXXX, did not even cover it. It was less than XXXX dollars damage, and I replaced my windshield out of pocket due to the crack. 

Lexis Nexis 's false statement that I was " at fault '' in a car accident for which they refuse to provide me with a copy of the report on XX/XX/XXXX is blatantly false. The fact that a rock fell off a Semi about 35 feet ahead of me on the highway and cracked my windshield is not an " At fault '' accident. Someone there made a mistake, but they refuse to provide me with a copy of my report so I can not challenge it. 

A semi having a small stone/rock fall and cracking my windshield is not an at fault collision for which I should be surcharged like I was texting while driving or drunk driving or speeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX & Experians repeated failure to correct inaccurate information on my credit report, despite proper documentation and multiple disputes. Their refusal to comply with federal regulations under the Fair Credit Reporting Act ( FCRA ) constitutes willful noncompliance, which has caused significant harm to my creditworthiness and financial standing. 

Key Issues : XXXX. XXXX XXXX XXXX These accounts are listed as student loans on my Experian credit report, with delinquency records and balances that are both inaccurate and harmful to my credit score. 
These loans were discharged under the XXXX XXXX XXXX by the U.S. Department of Education, as they were deemed fraudulent and unenforceable due to misrepresentations made by the XXXX XXXX XXXX XXXX. 
As of today, these loans no longer appear on my StudentAid.gov profile, further confirming that they were properly discharged and should not remain on my credit report. 
Despite multiple disputes and submission of the XXXX XXXX XXXX XXXX, Experian has refused to remove these accounts. 

Requested Resolution : Immediate removal of all XXXX XXXX XXXX my Experian credit report.

2. US Department of Education Accounts : These accounts are listed as student loans on my Experian credit report and accurately reflect a positive payment history. 
I request that the payment history for these accounts remain intact, as it contributes positively to my credit profile. However, the balances must be updated to {$0.00}, and the status updated to satisfied, consistent with the discharge under the XXXX XXXX XXXX. 
Requested Resolution : Update all US Department of Education accounts to reflect {$0.00} balance and satisfied status while retaining the payment history. 

Evidence Provided : XXXX XXXX XXXX : Confirms the discharge of XXXX XXXX and the determination of fraud. 
Credit Report Details : Identifies the XXXX XXXX and US Department of Education accounts with their balances, delinquencies, and payment histories as they appear on my Experian report. 
Screenshots from StudentAid.gov : Demonstrates that the loans have been discharged and no longer exist in my federal profile. 

Harm Caused : XXXX & XXXX failure to correct this information has caused financial harm by : Reducing my credit score. 
High interest rate on a car purchased in XXXX. 
Limiting access to credit opportunities. 
I have experienced emotional distress and have had to dedicate unnecessary time and resources to resolving this issue.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Regarding complaint XXXX, I am writing to formally request that Citi expedite the process of sending me all the funds from my now-closed Citi Regular Checking account XXXX along with the {$450.00} welcome bonus that I have already earned, together in a single check. While I was informed it would take 30 to 60 days for the check to be processed and sent, this delay is unacceptable. 

I want to emphasize that I have committed no banking violation, and my account was closed without a valid reason. I request that my money be returned to me immediately. The extended waiting period has caused significant inconvenience, and I need access to my funds urgently. 

Please take immediate action to ensure the check is sent without further delay and resolve this matter as soon as possible.

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 2025-01-27 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: NC

Complaint narrative:
inquiry no authorizer XXXX XXXX XX/XX/XXXX 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 2025-01-27 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: IL

Complaint narrative:
I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX Balance {$720.00}

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 2025-01-27 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:
I have not supplied under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX Balance {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened with XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections such as XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2025-01-28 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
They have claimed they sent a replacement card 4 weeks ago and I have not received anything from them. I have tried to contact them but since I am hard of hearing I chose not to use the phone because the people they use are not in this country and I have a hard time understanding them. They don't have an email address to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-28 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: AL

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 according to XXXX- Debt Final Rule 1002,142 ( b ) ( 4 ) - 5-1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXXXXXX and would like for all listed accounts to be block and delete company information TransUnion. Please delete the following accounts XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. 
I Kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion.

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 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/year> I had repairs made to a vehicle at XXXX XXXX XXXXXXXX Florida. 
When I pick the vehicle up I was charged nearly {$1500.00} for {$650.00} worth of work on the vehicle and was advised that I would not be able to get the vehicle back until I paid it and there was nothing I could do about the overcharge. I made a formal complaint with XXXX XXXX and was contacted by regional manager with XXXX from the XXXXXXXX XXXX XXXX store. 

XXXX sent me an adjusted invoice on XX/XX/year> showing the correct amount that should have been charged with {$650.00} in some change. He offered to give me an {$830.00} check if I dropped my dispute on my XXXX XXXX XXXXXXXX charge card. 

When I was advised by XXXX that I should not drop my dispute XXXX XXXX then gave a perjured statement of events and provided the fraudulent invoice to the dispute claims office. 

The regional manager XXXX sent me emails in writing telling me hey will give you a check of the overcharged amount if you drop the dispute And literally told me in that email let 's see how it works out for you if you don't drop the dispute, since they sent in Purge of statements and fraudulent invoices causing the dispute to be rejected and I'm still out {$830.00} I was forced to pay because my vehicle is being held hostage by overcharges for XXXX and XXXX hours worth of work I was charged over XXXX hours for labor which XXXX confirmed was an overcharge and sent me a corrected invoice along with the email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. There remarks have been detrimental to my life and credit health.

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