vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-08 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: MS

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-08 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: MI

Complaint narrative:
On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX XXXX XXXX  with a balance of {$670.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX XXXX on my credit report as a collection account. 

I looked at my Experian credit report on XXXX XXXX, 2024, 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 ) I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX -- Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX  days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " XXXX  years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within XXXX  days or delete the trade-lines.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was Capital Customer with XXXX credit cards. XXXX I have now paid off. The XXXX  card, XXXX has a balance just over XXXX. I have made all payments and on time for the most part. I believe XXXX a day late each. My account was hacked and purchases were made in Arizona. I live and work in Texas. Fraudster got past their their security almpost a dozen times. Calling company and making changes so they could make purchase. Not once was I called before any changes were made to my account! I have had the same phone number for XXXX years. Several times the account was hacked before I received new card! Once while I was on phone with their fraud department! They paid the purchases but all of the safety measures they took FAILED! It happened even after account was closed. I have bonus points from paid off account and current account but I cant apply them because of status of my account. This would go toward balance of XXXX. Now when I pay by phone they refuse to give me a confirmation number. The rep gave me her assurance it was paid but Capital Ones assurance is worthless to me at this point. I want my bonus points applied, I earned them. I want to be able to make payments on phone without having to go through fraud and explain my situation to people who dont seem to care. And I want someone from Capital One to call me up and sincerely apologize to me. I was a very good customer and they dropped the ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I filed a previous complaint with you in XXXXXXXX XXXX. 
States company settled but did not. On XX/XX/XXXX DE removed the funds again for almost XXXX for 3 unauthorized charges. After contacted you they finally gave me provincial credit at beginning of XXXX. I went to check balance on XX/XX/XXXX to find they removed money again. I called and they said they were just now reaching out to company for them to refund the money. They said they were taking thier refund until the company responds! Said they will have it settled by XX/XX/XXXX. I now have paid overdraft charge with bank and CC payment due to this. I want compensated for those fees as well. I am looking to join a lawsuit to recover my losses. I did everything that was asked. Reported the loss within hours of this happening. This is not the 1st time this has happened and I never recovered my funds the last time. This is rediculous. The represents even said she would note in my acct this has caused a hardship! Of course it has!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX I have several accounts that are showing on my Equifax credit report that I believe are not mine. I have tried an online dispute to and a mail in dispute asking for proof of original contracts- with my signatures- to prove that these actually belong to me. The response that I have received both times are " We have verified and the account remains '' but still no actual proof. I do not believe these are mine and without out showing proof they could be allowing just anyone add whatever they want to my credit report which keeps me from gaining future credit and resealable rates. Can you check into this matter? 

Date of online request : XXXX Date of Mailed request : XXXX Accounts : XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX XXXX. ) XXXX XXXX XXXX -- -- Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX : Notice of Dispute XXXX XXXX XXXX XXXX XXXX XXXX, Office # XXXX XXXX, Texas XXXX Re : Notice of Data Breach and impact on credit report profile FTC Report number : XXXX Dear XXXX, I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX, and all other consumer and background reporting agencies reporting due to the data breach of the data from XX/XX/XXXX until now : This has also been filed through the FTC complaint database per case number XXXX : XXXX XXXX - {$930.00} XXXX XXXX - {$4700.00} XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX- {$4000.00} XXXX - {$3700.00} Dates associated with the items being disputed : From approximately XX/XX/XXXX until the present day This information is inaccurate and fraudulent as these accounts were opened unaware after the XXXX data breach. Also, I have also been denied gainful employment because of the reporting of my background/financial/credit report as a result of the derogatory reporting on my credit profile that resulted in the loss of over {$100000.00} yearly over the next 5 years, plus other credit opportunities that have been denied for the same reason. 
The report shows I currently owe money to these companies that I have already repaid and/or have not been authorized to open by me. 
o The delinquencies on my report are not accurate. 
o Im the victim of identity theft and I dont recognize insurance business done in my name in another state ( North Carolina ). XXXX has contacted me via email about the concern and is threatening to terminate my credentials, which would have a substantial impact on my career and finances. 
o I have also endured hardship with other recent employment where my information was seen to be compromised and almost resulted in the loss of employment as well as information being tampered with in E-verify, which all resulted in my denial of employment and credit. 

I have attached a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, 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 2024-05-08 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: AL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I took out a Self Lead Credit Builder Account in 2020. XXXX took my job. This was a secured loan paid by the security of XXXX Today this company re aged it and stated on my credit specifically XXXX that I was late XXXX, XXXX this year. Causing a XXXX point drop. 

Called Self you only get a loop recording no human. XXXX refuses to acknowledge it, argued with me, made me for 46 minutes upload my drivers license that never worked. 

So Frustrating to be ripped off then sent through systems of utter buffoonery with no one held accountable. 

I am finally recovering this year from financial disaster and then this. Unfair! But no one cares and you have zero ability to control your own information. I jump through hoops to prove my identity but any one on a computer with a company name can ruin you day after day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Section 623A6 If a furnisher learns that it has been furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only completely and accurate information. 
Company Name : XXXX XXXX XXXX of {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

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 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Collections account are still being reported on my credit report that havent been properly reviewed and verified

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 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company Midland Credit continues to harass me after stating the following to my initial CFPB complaint : Per your concerns, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. 

I received a letter stating that MCM will have an attorney review the account of reference. I want this company to stop harassing me. I filed a complaint in XX/XX/year>, they have called my nieces phone and left threatening messages. They have NO right legally to call her phone. Additionally, MCM is a collection company and illegally purchases old accounts and some rectified accounts. I d not want this company contacting me about a Bank they purchased an old outdated debt from. Please publish this complaint and review complaint # XXXX because they are illegally contacting me less than a month of CFPB closing this account AFTER MCM said they will cease contacting me. They also review my credit often with soft inquiries which is illegal. Why are they accessing my XXXX credit file? I have documentation and will have my ATTORNEY review this illegal action. 

To state on the letter I uploaded that in the meantime, as previously requested by you, we will no longer be contacting you regarding this account by phone or in writing unless required by law or you request that we resume communications is TAUNTING and HARASSMENT at another level. Im attaching a picture of this statement, which is highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I recently checked my credit report and noticed there were some unfamiliar accounts being reported.

Company response to consumer: Closed with non-monetary relief