vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
My credit report contains accounts involved in pending litigation, and these are having a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX 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 2024-11-05 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
Consumer complaint received 2024-11-05 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: AR

Complaint narrative:
Recently, I mailed a letter to requestion verification of inaccurate accounts reporting on my credit report that Transunion maintains in the file under my social security number. I received a response XX/XX/scrub>XXXX XXXX XXXX  stating that all the accounts were verified as accurate. I asked them for their method of verification including any documents provided bearing my signature, showing that I have a legally binding. They acted and bad faith and did not provide any type of documents as required per FCRA 611 ( a ) ( 7 ).

Once again I am challenging the accuracy, compliance and reportability of these listing and formally requesting a description of the procedure that Transunion used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 

Per the FCRA they are required to provide this information within 15 days or delete the negative items from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your 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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I was XXXX XXXX XXXX XXXX XXXXrom XXXX to XXXX. We stopped by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The merchant charged us {$64.00}. I handed my Chase Sapphire credit card to him, while one of my friends paid {$65.00} in cash. The merchant accepted the cash but never provided us with a receipt. 

On XX/XX/year>, I noticed a charge of {$940.00} on my credit card from XXXX XXXX XXXX. I assumed it was the food truck vendor, so I returned to the location. However, when I arrived, a different person was working. He didnt know anything about the charge and refused to provide me with a copy of the receipt for the {$940.00}. 

After returning home to XXXX, I called Chase to dispute the charge. However, the disputes department kept requesting proof of the receipt, even though I explained that the merchant never gave us one for the cash payment. I told them I believed this should be handled as a fraud case, but they said it wasnt fraud because I knew the merchant. I also asked if Chase could contact the merchant to provide a copy of the itemized receipt with my signature, but they said they couldnt do that. Instead, Chase asked me to go talk with Merchant. I told them I'm in XXXX, and this happened in XXXX. Chase insisted that without proof of the receipt, they couldnt dispute the charge, and it feels like they are holding me responsible for the merchants failure to provide a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
The item in question on my credit report is currently part of ongoing litigation due to significant reporting errors. Since this item is in pending litigation, verification of the disputed inaccuracies is not possible at this time. Therefore, in compliance with 15 U.S. Code 1681i ( a ), this item should be promptly deleted from my report. Their continued presence, despite the unresolved litigation, unfairly impacts my credit standing and fails to respect my rights under federal law. Immediate action to remove this item is necessary to ensure the accuracy and fairness of 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 non-monetary relief
Consumer complaint received 2024-11-05 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: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I made an online purchase from Rh XXXX XXXX XXXX XXXX XXXXXX/XX/year> for {$540.00} and the merchant provided a XXXX tracking number for the shipment. On XX/XX/XXXXXXXX XXXX XXXX XXXX tracking number said the package was delivered but I had not received it. I contacted XXXX and they confirmed it was not delivered to my shipping address but to a different address in the area. XXXX XXXX I attempted to contact the merchant to resolve the issue but received no response. On XX/XX/XXXX, I disputed the transaction with the Robinhood Gold credit card company and they credited the disputed amount while investigating the matter. On XX/XX/XXXX, the Robinhood Gold credit card company contacted me to tell me the dispute was declined because the merchant provided services and they recharged me for the disputed amount. On XX/XX/XXXX, I appealed the decision and responded telling them the merchant did not provide services and XXXX can confirm the package was not delivered to my address. They assured me they would investigate the matter further. On XX/XX/XXXX, I had not received any further communication from Robinhood Gold credit card company so I reached out to get an update. On XX/XX/XXXX I was informed the investigation was closed and no further action could be taken. I repeatedly asked Robinhood Gold credit card company to contact XXXX and confirm the merchandise was not delivered to my address. The Robinhood Gold credit card company repeatedly refused to acknowledge or address this request and instead repeatedly told me the investigation was closed and there are no further steps they can take. It is very clear the merchant did not provide services and acted maliciously by providing a fake tracking number but Robinhood Gold credit card company refuses to do their due diligence in the investigation and is acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
I am writing to request the blocking and permanent deletion of unauthorized inquiries from my credit file. I am a victim of a recent data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items removed from my credit report. 
The following inquiries were not initiated by me and should be immediately removed : 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
I noticed accounts on my credit report that are part of unresolved litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: WA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: WA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX. I used the America Express Platinum Card ending XXXX to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1700.00}. I received the camera from XXXX XXXX XXXX XXXXXX/XX/XXXX, however, the whole shipping box is squeezed and wet damaged. To keep evidence, I recorded the entire process to open the original box. I filed the return request at XXXX XXXX on XX/XX/XXXX, and returned the camera on XX/XX/XXXXXXXX XXXX XXXX tracking number XXXX, as shown in the XXXX return instruction email. XXXX received the returned product on XX/XX/year>. However, XXXX refused to issue the refund, because it stated that I returned the camera with a different SN number. I filed a dispute with an AMEX credit card, with dispute ID XXXX on XX/XX/XXXX, after communication with XXXX without a solution. I have provided the AMEX dispute team with the video recording showing the SN on the camera I received, the screenshot picture of the SN on the camera I received, and the XXXX return instruction email showing the SN of the camera I should return, which all match the camera I received and returned to XXXX XXXX, which the SN number is XXXX, model number XXXX. All this evidence shows that I returned the original item I received from XXXX and XXXX should be refunded in full. However, the AMEX dispute team has not examined the evidence I sent to them carefully but closed my dispute two times side with the merchant, and just provided me the information that XXXX sent to AMEX saying the returned camera SN is not right. Still, XXXX has not offered any proof of the actual camera XXXX originally shipped to me. I believe I have provided sufficient evidence including video, pictures, and also the email from XXXX indicating that I returned the correct product that I originally received. The way AMEX handles the dispute I filed with XXXX XXXX is not reasonable. As a credit card company and as an XXXX AMEX customer XXXX I believe AMEX should consider the benefit of customers and protect customers from such incidents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 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 convergent account XXXX XXXX  has violated my rights 15 u s c 1681 section 602 A states i have the right to privacy 15 u s c 1681 section 604 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the fair credit reporting act convergent XXXX XXXX account has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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