vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-12-31 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$100.00} This dispute was ruled in favor of the merchant on XX/XX/XXXX. I have since reopened the dispute. It is similar to my other dispute which has been going on for over a year. I purchased a gift card for XXXX which did not work. I did not receive what I paid for, and Apple/Goldman Sachs is not helping resolve it. The merchant asked for information that XXXX does not provide, and then deleted the evidence I sent them. Apple did nothing about that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is a follow up on my last complaint XXXX I have an additonal question. 
If these are valid charges who can i contact them regarding their terms. 

PUR-PR and RTSALE offer. 
If you are allow the charges as valid, then what is the phone number of these people. 
YOu must have a way to contact them since you apparaently advertised them on the Citi Simplicity site.

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 2024-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waterfall Revenue Group
State: NY

Complaint narrative:
On XX/XX/year> I was involved in a car accident outside of XXXX, PA in XXXX. Upon fire crews arriving a friend who was in the car needed to be XXXX XXXX XXXX XXXX. As we were not close to our home the officer and fire crews informed us we MUST ride with the ambulance transporting our friend to the hospital. So we obliged. I myself, as well as the XXXX others who were not injured WERE NOT TREATED by the medical crews. However, months letter we received a bill for transportation however the accident was deemed not our fault and our friend who was injured had his medical expenses covered by other drivers insurance. Yet they are attempting to charge us {$200.00} for transportation. Which utterly ridiculous. As a result I ignored their letters and the debt was subsequently sent to a debt collector. Since then I have been absolutely harassed. They began calling on XX/XX/year> on that day they called 5 times ( as seen in the attachments below ) however they do not let you answer forcing you to call them back. These include multiple phone calls in the same minute ( as seen in the attachments ). When I finally was able to reach them back they identified themselves as Waterfall Revenue Group XXXX XXXX, NJ and identified the debt. At that point I asked to be removed from their calling list and they had agreed however I have continued to receive phone calls including today XX/XX/year>. These attempts are ridiculous and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
XXXX XXXX, XXXX, XX/XX/XXXX. THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA SECTION 605B THAT YOU EQUIFAX CREDIT REPORTING AGENCIES, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF RECEIVING THIS COMPLAINT. THIS FRAUDULENT, FALSE, AND INACCURATE INFORMATION CONSIST OF OF XXXX PERSONAL LOAN ACCOUNTS OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX AND XX/XX/XXXX UNDER THE ACCOUNT NUMBER XXXX PERSONAL CREDIT CARD ACCOUNT OPENED AT XXXX XXXX XXXX XXXX XX/XX/XXXX UNDER THE ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THESE ACCOUNTS AS REPORTED ON MY CONSUMER CREDIT REPORT BY YOU, WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS, AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PRROF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS, AND HARDINQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I closed an account with Citibank Visa on XX/XX/year> and paid the balance due. The credit card company failed close the account on their end on XX/XX/XXXX, which they verified on a phone call on approximately XX/XX/year>. As a result, some recurring charges went through. These charges were supposed to be cancelled with the provider but did not go through. I then began getting collection calls from Citibank for an account that I believed was closed. I called Citibank customer service on or about XX/XX/year> to figure out what was going on. I was told that they had in their paperwork that the account was supposed to be closed on XX/XX/year>, but they failed to do so. I was informed that they were able to waive all late fees but not the charges. I told them I didn't think I should pay for charges that they were not authorized to accept on my behalf. I escalated to three supervisors and was finally told that the issue would be fixed and I would get a call back in XXXX business days confirming it. I never got a call back. I called yesterday and spent about XXXX minutes on the phone explaining everything to multiple people only to get kicked back to the automated queue. I called today and again explained the situation to multiple people. 
One person told me that she saw the credits on my account but that for some reason the account was still showing a balance. She asked to put me on a brief hold to figure out what was going on. A man immediately picked up who had no knowledge of my situation. I again explained everything to him. he did not understand and I asked to speak to his supervisor. I explained everything to his supervisor and she hung up on me. They have my cell phone number and I have not received a call back. I feel that the company is deliberately trying to make this as difficult as possible so that I will just give up and pay.

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 2024-12-31 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: IN

Complaint narrative:
Experians automated phone system will not let me speak with a specialist. We are being denied access as consumers to connect with an agent over the phone

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 2024-12-31 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: AZ

Complaint narrative:
This letter serves as formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ) by Equifax Information Services LLC ( Equifax ). I am demanding {$8000.00} in damages and the immediate removal of inaccurate and harmful information from my credit report. 

Despite providing all necessary documentation through the Consumer Financial Protection Bureau ( CFPB ) complaint process, Equifax has failed to meet its legal obligations. This failure has caused substantial financial, emotional, and reputational harm. I demand a resolution within 10 days of receipt of this letter to avoid escalation to litigation and regulatory complaints. 

Factual Background 1.XXXX XX/XX/year>, I filed a formal complaint with the CFPB regarding inaccuracies on my credit report. 
XXXX submitted all necessary documentation, including proof of identity, address, and evidence of the disputed inaccuracies. These documents were sufficient to justify immediate corrective action under the FCRA. 
XXXX XX/XX/year>, Equifax responded with a request for redundant documentation already provided. This constitutes a stall tactic rather than a good-faith resolution effort. 
4.Equifaxs failure to block or delete the disputed information, ensure maximum possible accuracy, or conduct a reasonable investigation violates the FCRA.

5.This negative mark on my credit report has directly prevented me from securing financing for a trucking contract offered by my best friend. This financing opportunity was essential for supporting my family, and the denial has caused significant emotional distress, including XXXX, XXXX, sleeplessness, and fear. 

Violations of the FCRA Equifaxs actions constitute the following violations : 1.15 U.S.C. 1681c-2 Failure to block and delete disputed and unverifiable information.

2.15 U.S.C. 1681i ( a ) Failure to conduct a reasonable and good-faith investigation.

3.15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in credit reporting.

4.15 U.S.C. 1681b Issuing redundant and unnecessary requests for documentation, delaying resolution.

5.15 U.S.C. 1681n Willful noncompliance with the FCRA, evidenced by neglecting submitted documentation.

6.15 U.S.C. 1681o Negligent noncompliance with the FCRA, resulting in harm to me as a consumer. 

Expanded Emotional Distress Claim Equifaxs refusal to resolve this matter has prevented me from securing financing for a trucking contract offered by my best friend. This financing opportunity was essential for providing for my family. The harm caused by XXXX noncompliance includes : Loss of Income Opportunity : Unable to pursue the trucking contract due to credit denial. 
Emotional Impact : XXXX, XXXX, sleeplessness, and fear resulting from the inability to provide for my family and secure financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: ME

Complaint narrative:
I was built for an electric bill after I no longer lived in a home. I had declared XXXX  and moved out of the home prior to the amount in which the electric company had charged me. I partially resolved the issue with them yet. They still stated I owed money after I was no longer living in the premises because they believe I did not call and cancel my service though I did. After several years they agreed to drop that charge and I have proof of owing XXXX. They had hired a debt collection agency prior to that agreement and that date collection was never called off. I have not lived in the home for XXXX  years now I hired a lawyer at one point who had it removed from my credit but then it was sold to another company shortly after and on my credit again. I tried to dispute this with XXXX but it was during a time where they were short staffed due to covid and it wasnt investigated properly. I tried to have it investigated recently but they just used the prior determination instead of looking at it again. Between the time span of being 10 years and the lack of evidence that I actually owe that bill, I believe that this collection should be taken off of my record. ( please see the timeframe that I moved into my current home on my credit report as proof as to how long this claim of a debt has been going on )

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
On numerous occasions, Lexington law firm took out hundreds of dollars in my account. I have called them and told them they were too expensive and to close my account but they did not close it and kept taking money out sometimes a XXXX dollars a week

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
.I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as 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 on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
.I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as 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 on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
Dear Credit Reporting Agencies, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX to your agency, EQUIFAX, and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX Account # XXXX regarding this account should not be included in my consumer credit report. Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. Requested Documentation : In order for XXXX XXXX XXXX Account # XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I have submtted written requests with all XXXX  credit bureaus regarding two addresses I have never lived at. There was never any update and when I spoke to the representatives, they all said that they can no longer investigate and or remove

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 2024-12-31 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 have submtted written requests with all XXXX  credit bureaus regarding two addresses I have never lived at. There was never any update and when I spoke to the representatives, they all said that they can no longer investigate and or remove

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 2024-12-31 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: FL

Complaint narrative:
I requested and submitted documentation for correct address, and Experian still hasn't update my address. 
Please se attachments.

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 2024-12-31 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: OH

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 2024-12-31 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: NC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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

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 2024-12-31 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: NC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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

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