vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
Hello, I am a new immigrant to the US. I have a work permit and social security number. I have opened several applications to work, XXXX, XXXX, XXXX XXXX, XXXX XXXX, etc. The background check company that these applications use, Checkr, has always given me problems. They said my social security number was conflicting and asked me to send a picture of my social security card. I have encountered the same problem with almost every application. Checkr blocks me every time, so XXXX has not opened my XXXX XXXX  account. I can not open my account and work because Checkr says they can not complete my background check. I have contacted them many times, but they say my social security number and information are conflicting. I am being discriminated against. This situation really wore me out, I had dreams too, but everything is now ruined because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address 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 2025-03-06 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:
I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX XXXX Balance Owed : {$4800.00} Date Opened : XX/XX/XXXX I respectfully request that EQUIFAX resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Last year, in XXXX, around XXXX, when I discontinued the service with XXXX due to service issues, I was notified by the first representative I talked to that the remaining balance due on my account would be waived since I used little to none of their services. They then mentioned they would add a record of it and put a note on my account for the supervisor to reach out to me and waive it. After a few weeks, I received nothing back. I then called back again and was told the same thing. I then asked for the confirmation of the note on my account and was told it was there waiting for a supervisor to review it and waive it. I then requested a written letter or email stating this bill would be waived, which I never received. I roughly went back and forth with the same answers with each representative I spoke with about XXXX or more times. Upon calling them the third time, I requested a supervisor, and a representative then told me it would have to be handled by a separate supervisor from a different department since they were only in the billing department, which I found odd. Ultimately, I never received anything back from any supervisor since last year, and I was then sent to collections, where I have tried to reach back to them today, XX/XX/XXXX, and they said they could no longer do anything since it's been sent to the collection agency already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Credit Karma, LLC
State: GA

Complaint narrative:
I filled a dispute on the following accounts : Credit Karma XXXX/ XXXX  : XXXX, According to ( 1 ) 15 USC 6802 : Obligations with respect to disclosures of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.. i.e. XXXX ( 2 ) 15 USC 1681b Permissible purposes of consumer reports -any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : B ( 2 ) in accordance WITH the WRITTEN instructions OF the consumer TO whom it relates. This addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties ** I never gave them any WRITTEN instructions to furnish anything on my consumer report so they are in direct violation of 15 USC code 1681b** Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA . ( 3 ) 18 USC 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years My rights are in CLEAR violation and this is stopping me from being able to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts listed do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX Bal- {$XXXX}, opened : XX/XX/XXXXXXXX XXXX XXXX {$XXXX} XXXX/ XXXX XXXX XXXX- ACCT # : XXXX XXXX XXXX {$XXXX} XXXX XXXX : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX Card - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX & XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX/XXXX  XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/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 2025-03-06 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:
I am reaching out to express serious concerns about inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are negatively affecting my financial stability, and I need your immediate assistance in resolving them.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX / XXXX XXXX Balance : {$XXXX}, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX/XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX/XXXX  XXXX  XX/XX/year> 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 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 2025-03-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information reported by Capital One on my credit report under the new credit laws. I am requesting the removal of the Capital One credit card balance from my credit report due to the following reasons : 1. **Accounts Closed for Unknown Reasons** : My Capital One credit card account was closed without any clear explanation or prior notice. I was not provided with a valid reason for the closure, nor was I given an opportunity to address any potential issues. This lack of transparency has caused significant harm to my credit profile. 

2. **Excessive and Unjustified Interest Charges** : After the account was closed, I noticed that an unreasonable and excessive amount of interest was applied to the balance. These charges appear to be arbitrary and do not align with the terms and conditions I agreed to when opening the account. The accrued interest has inflated the balance to an amount that is both unfair and unmanageable.

3. **Violation of Consumer Rights** : I believe that Capital Ones actions may violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The inaccurate reporting of this account has negatively impacted my XXXX XXXX and my ability to secure loans or other financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-06 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: GA

Complaint narrative:
I am reaching out to express serious concerns about inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are negatively affecting my financial stability, and I need your immediate assistance in resolving them.

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 2025-03-06 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts listed do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX Bal- {$XXXX}, opened : XX/XX/XXXXXXXX XXXX XXXX {$XXXX} XXXX/ XXXX XXXX XXXX- ACCT # : XXXX XXXX XXXX {$XXXX} XXXX XXXX : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX Card - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX & XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX/XXXX  XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts listed do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX Bal- {$XXXX}, opened : XX/XX/XXXXXXXX XXXX XXXX {$XXXX} XXXX/ XXXX XXXX XXXX- ACCT # : XXXX XXXX XXXX {$XXXX} XXXX XXXX : XX/XX/XXXX XXXX  reporting {$XXXX} XXXX XXXX ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX Card - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX XXXX & XXXX - ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/XXXX XXXX/XXXX  XXXX- ACCT # : XXXX, Bal- {$XXXX}, opened : XX/XX/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 2025-03-06 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief