vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation.

If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers 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 2025-01-13 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-01-13 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: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested an investigation into this account, due to errors on my credit report involving this account. You did not fix the errors, so on XX/XX/XXXX I requested a re-investigation into this account. After your re-investigation you still did not fix the errors in this account. You are reporting a balance and available credit on this account even though it has been charged off and settled. These inaccuracies are highly injurious to my credit, undermine faith in the credit reporting agencies. This a direct violation of the Fair Credit Reporting Act. Due to you neglect at fixing this obvious error, I am demanding you delete this account, and send me and updated credit report once you have deleted this..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I Have Hard Inquiries On My Credit Report That I Didnt Authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
When checking my credit report on Transunion there is a charge card listed CXXXX XXXX XXXX XXXX XXXX  that opened on XX/XX/year> that I did not open. There is a balance of {$920.00} that is not mine. 

In XX/XX/year> I attempted to dispute this with the company listed XXXX XXXX XXXX and they had sent me many things that they need but I am unable to do this by myself. I need help getting this figured out please.

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 2025-01-13 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: NY

Complaint narrative:
When checking my credit report on XXXX there is a charge card listed XXXX XXXX XXXX XXXX XXXX XXXXhat opened on XX/XX/year> that I did not open. There is a balance of {$920.00} that is not mine. 

In XX/XX/year> I attempted to dispute this with the company listed XXXX XXXX XXXX and they had sent me many things that they need but I am unable to do this by myself. I need help getting this figured out please.

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 2025-01-13 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: NY

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX Account Number : 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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
In XXXX XXXX, Chime closed my checking account and did not send my fund to me. I tried to call them and email them multiple times, no one can solve this issue. Until now, XX/XX/XXXX, I did not receive my fund. I have more than {$2000.00} in that closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Complaint against Midland Credit Management I received a letter on XX/XX/XXXX with a deadline response of XX/XX/XXXX. I received collection letter after the deadline response. I Called Midland Credit on XX/XX/XXXX ( recorded phone call ) and verbally requested a Debt Validation of the accounts and verbally requested a Cease and Desist which Midland Credit has violated many times. Midland Credit also refused to provide me with the said debt validation and cease and desist. Since the cease and desist request, Midland Credit continues to contact me. They have called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also contacted my daughter in law on XX/XX/XXXX in which I never gave any of my family 's information to. They call and harass me during my work hours and during hours where I am at a medical appointment. They are causing undue stress and interfering with my work and daily life schedule. I called them back each time they called and demanded a cease and desist and I have proof that my certified letters were received by Midland. Midland Credit has also reported accounts on my Credit Report which is a form of communication that I have asked them to cease from doing. They have failed to comply to my Debt Validation Request as well as my Cease and Desist request. I am requesting that they immediately stop contacting me, my family or my employer and that all negative reporting be removed from my credit reports. 

I have encountered alot of Medical issues this pass year and a very serious XXXX in which I am trying to recover from. Their harassment is impeding my recovery. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
During XXXX, I could not pay my car loan, which XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

The Loan amount was {$17000.00} plus 18.09 % interest. I made XXXX payments of {$420.00}. 

My last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX repossessed the car and sold it for {$4900.00} minus the Cost of Sales of {$330.00} ( not clear on this coast ). The XXXX XXXX XXXX were {$4500.00}, as mentioned on the invoice sent to me. 

I want to add the sum to clarify the current situation. 

I paid {$11000.00} ; the car was sold for {$4900.00}, which is {$16000.00}. {$17000.00} - {$16000.00} = {$1600.00}, which is the amount that I owed to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX never sent me any letter to collect any debt or offered to resolve this debt. They reported to my credit report without any prior notice and marked it as a bad credit charge off of {$17000.00}. The account shows closed and purchased by another lender, Jefferson Capital Systems , LLC. 

On XX/XX/XXXX, I received the first letter from Jefferson Capital stating that I had an account with XXXX XXXX. The amount mentioned as of XX/XX/XXXX, is {$15000.00} minus the final cost of the car sold by XXXX XXXX minus ( cost of sales ) {$4500.00} = {$10000.00} as final debt. 

After I received the first notice, I called the CFPB. The representative suggested that I write to Jefferson Captial and ask them to provide account information, In response to my letter to Jefferson Captial, they sent me an invoice for the car purchase, which was an unsatisfactory response.

Jefferson Capital started sending me offers to pay off {$10000.00}. 

I filed a dispute with all three credit bureaus against XXXX XXXX and Jefferson Capital. 

The result of the dispute from XXXX was that both XXXX XXXX and Jefferson Capital were deleted from my credit report. 

The result of the dispute from XXXX XXXX and XXXX was Jefferson Capital was deleted. XXXX XXXX will remain until it is dropped. 

Despite being deleted from all three credit agencies, Jefferson Capital is still sending me letters to settle the debt of {$10000.00}. The last letter is received on XX/XX/XXXX ( to the best of my knowledge ), with a deadline of XX/XX/XXXX. 


Jefferson Captial threatens to report to the credit agencies or continue to report. 

I want CFPB to contact XXXX XXXX regarding their failure to offer to settle the debt with them. XXXX XXXX is a bad remark on my credit reports, and I would like them deleted from XXXX XXXX and XXXX. 

Jefferson Capital needs to stop sending me letters and refrain from making any negative remarks to credit agencies. They were allowed twice to submit balance information, but they failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXX XXXX This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/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 2025-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I cancelled services with this company back in XXXX of XXXX sent equipment back in XXXX. They received the equipment back and someone at the company mistakenly sent more equipment out to an address I no longer stayed at. I contacted the company they apologized and stated they would get this taken care of and remove the bill. XXXX agreed this would be taken care. a month went by and I got a bill notice so I reached out again they apologize again and said they would remove the charges and it won't happen again. now this is the final straw as they have forwarded this debt to a debt collection company for an amount I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
I have already made a complaint about this account. I received a letter from the XXXX XXXX company saying that I need to contact XXXX XXXX, XXXX and the Eaton Group because my account has been sold. 

I borrowed {$3000.00} dollars from this company in XXXX to pay some bills and I couldnt make the payment because of financial issues. Then, they sold my account to XXXX XXXX XXXX  I got served in XXXX. But, I accepted it to repay {$75.00} each month until the payment is made which was an option I had to make if I didnt want to go to court to resolve this matter. They charged me an amount of {$4100.00} to be repaid. But, I was repaying the Eaton Group Attorneys, LLC. I already paid {$2000.00} something dollars to Eaton Group before I stopped because I didnt have a good job to finish the payment. So, then, in XXXX I got served again. But this time they sent it to the new company that I used to work at and my new employee was repaying that money as a form of garnishment. I already repaid {$4000.00} dollars to them. They sent them that same paper they sent to me the first time I got served but telling them that I owed {$2000.00} something dollars as a balance. Instead of repaying the balance, the Eaton Group Attorneys prepared that same paper and ask them to garnish {$4100.00} from my paycheck. I had a balance of {$100.00} something dollars left when I left the company. But, now the same group of lawyers just sent that same paper to my newest company that I work for now to garnish my check again. I am repaying it now. I will repay them {$10000.00} dollars for {$3000.00} dollars that I borrowed when I am done with that payment. I already paid {$6000.00} dollars. Every time I have a balance to be repaid, they send my employees the same paper telling them that I owed {$4100.00} and they need to garnish my check and said that they prepared that letter, and I have to pay all the fees. So, they never asked me to pay the balance but the full amount again. Please help me with that matter. I talked to them once and said that I have to repay the same amount again because I didnt finish the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On several occasions, I submitted disputes to Equifax concerning inaccuracies on my credit report. These disputes were filed on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Each time, I requested that Equifax provide original documents to validate and verify the negative items listed on my credit report. 

Despite my repeated requests, Equifax failed to send the required documentation to substantiate the negative entries. This failure constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, at no point during these interactions did Equifax inform me of my right to opt out of having my personal information reported and shared, as required under 15 USC 1681i ( 7 ).

As a result of these violations, I am demanding the immediate deletion of all negative and inaccurate information on my credit report. This corrective action must be completed within 48 hours. Failure to comply with this demand will result in the initiation of a federal lawsuit to hold Equifax accountable for violating my legal rights and disregarding its obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have received numerous calls from this company and I have told them several times when I did answer their calls to stop calling and put everything in writing. I am the only person who answers my cell phone. The last time they called I informed them that I was filing a complaint with Consumer Financial Protection Bureau, this call happened on XX/XX/XXXX and the caller ID showed it was XXXX XXXX  ( other calls showed Caine & Weiner XXXX, which shows that they were trying to hide the fact it was Caine and Weiner and were violating Federal and State law. They had called XX/XX/XXXX ( I did not answer and that is because I had told them to stop calling me ), they also called on XX/XX/XXXX, XX/XX/XXXX ( did not answer because I had told them not to call me ), XX/XX/XXXX ( did not answer because I had told them to stop calling me ). on XX/XX/XXXX I had answered the call from Caine and Weiner ( call lasted XXXX seconds ) and I had informed them to not call me at all and to send everything in writing to me. They called me on XX/XX/XXXX and I did not answer this call because I did not hear my phone ring. I also received a call on XX/XX/XXXX which I did not answer because I was busy and did not hear my phone. I have received calls from this company and they used different phones.

Company response to consumer: Closed with explanation