vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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 filing this complaint regarding the inaccurate reporting of account XXXX XXXX XXXX XXXXXXXX XXXX. There is no balance owed on this account, yet you are incorrectly reporting a balance of {$370.00}. I have attached documentation from the company confirming that no balance remains. 

Despite my repeated attempts to correct this issue over the past three months, you have failed to provide any verification to support your claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure the maximum possible accuracy of the information you report. 

Due to your negligence and noncompliance with FCRA regulations, I am demanding the immediate deletion of this account from my credit report. If this matter is not resolved promptly, I will have no choice but to pursue litigation and seek monetary relief for statutory damages and emotional distress caused by your willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 am filing this complaint regarding the inaccurate reporting of account XXXX XXXX XXXX XXXXXXXX XXXX. There is no balance owed on this account, yet you are incorrectly reporting a balance of {$370.00}. I have attached documentation from the company confirming that no balance remains. 

Despite my repeated attempts to correct this issue over the past three months, you have failed to provide any verification to support your claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure the maximum possible accuracy of the information you report. 

Due to your negligence and noncompliance with FCRA regulations, I am demanding the immediate deletion of this account from my credit report. If this matter is not resolved promptly, I will have no choice but to pursue litigation and seek monetary relief for statutory damages and emotional distress caused by your willful noncompliance.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CO

Complaint narrative:
Recently I looked at my credit report and noticed several innaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bereaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account : XXXX XXXX XXXX XXXX Thank you,

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 2025-02-12 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: CO

Complaint narrative:
Recently I looked at my credit report and noticed several innaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bereaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account : XXXX XXXX XXXX XXXX Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-02-12 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: MI

Complaint narrative:
violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
XX/XX/2024 I ordered a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Received the phone on the XXXX. Unfortunately had to send it back a day later, because the phone didnt work in my area where I was living only at work. XXXX sent me a email on XX/XX/2024 saying that they have received the device back & I was told that the account would be closed. I look on my credit report today XX/XX/XXXX there is a collections debt of {$140.00} from XXXX. The account was opened XX/XX/XXXX when I already had my XXXX account closed XX/XX/XXXX. Five days after getting the phone. This collection has dropped my credit score XXXX points. I was never notified or called from the creditor, it just was on my credit report when I went to my XXXX XXXX & show it there I would like to get it removed because this shouldnt have been on my report at all 3 month later saying I owe {$140.00} with no reasoning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
I am writing to formally dispute the balance on my student loan account, as I believe the current balance does not accurately reflect my loan history. After reviewing my account statements, I have identified a discrepancy that I believe requires correction. Per the Mohela website it says as of XXXX XXXX I have a balance of {$250.00} as of XXXX XXXX, but XXXX is reporting that I owe {$1400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, Alliant CU ran my credit without my authorization. I purchased a travel trailer on XX/XX/XXXX and Alliant CU and XXXX XXXX ran my credit on the same day where I got a loan for the trailer after putting XXXX down. I already had an interest rate and monthly payment. A few weeks later they said they messed up and needed more documentation. I sent the documentation multiples times that they needed. I never authorized them over a month later to run my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CL Holdings LLC
State: TX

Complaint narrative:
There was a loan taken out in my name that I didnt do myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Dear Portfolio Recovery Associates and XXXX XXXX : I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( XXXX ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or about XX/XX/year> my checking acct had funds withdrawn by someone other than myself... total of 7 transactions, 5 of which were for the same amount {$92.00}, 2 for {$87.00} and one for {$91.00} equals {$730.00}... I called BOA on XX/XX/year> to report, ran to the nearest branch to shut down accts. Claim # XXXX generated ( Ref # XXXX ) XXXX.They put my funds as " PENDING '' but since then they reviewed and declined my dispute. Since that time I have researched and was astonished to find out my case is not unique ... Seems BOA and XXXX are involved in many Fraudulent cases ( {$870.00} MIL ), and yes it seems the root of my problem was an XXXX XXXX acct, which I had to shut down Twice in 2 days..Seems they add a second phone number and then have access to all your banking, etc. 
XXXX XXXX XXXX  days later I received a new XXXX card in the mail ... Pls advise ....

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 2025-02-12 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: CO

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 XXXX  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 2025-02-12 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: CO

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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
Im writing because this has gone on far too long. There are accounts in pending litigation on my credit report that simply shouldnt be there. Ive contacted you multiple times about the error, yet nothing has changed. This inaction is impacting my credit score in ways that are damaging to me, and I cant let this slide any longer.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a promotion from Chase called Month-of-more. The promotion advertised 15 % cashback from select merchants pending the purchase was made through the Chase portal. One of the listed merchants in the promotion was XXXX. 

We needed a new fridge at the time so decided to forgo using another credit card to take advantage of the promotion through Chase. I followed the instructions to complete my purchase through the Chase shopping portal. After purchasing and receiving my new fridge I was a little puzzled when I saw the standard Credit Card reward of 1.5 % on my chase account. After some research online it was pointed out that it may take up to 2 months for the business ( XXXX ) to verify with chase the the purchase indeed went through. 

After waiting for 2 months i decided to inquire with chase on the status of the 15 % cash back. Initially Chase customer service claimed not to know of that specific promotion but to wait until my next invoice were the correct reward amount would be displayed. After receiving my next invoice i still did not see a change in the rewards amount I should have received. I called Chase customer service again. This time they claimed to know of the promotion but that I misunderstood it. The promotion clearly stated 15 % cash back for purchases with particularly vendors made through the Chase portal. 

At this point I have to Turn to CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Negative comments and constant negative credit reports on my credit report as well as inquiries without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service International Corp
State: IN

Complaint narrative:
I was looking at my credit report the week of XX/XX/year> and noticed an account listed in Collections from a company " Credit Services INTL CORP '' The account is listed as being from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it is very possible I lost track of a bill and it never got paid and it is valid debt. However, I have received NO written communications from a company with this name detailing the dedt, its reason, my rights to despite, or most importantly how to pay the debt. 

I tracked down a company online that appears to possible be this same company, but I have no way of verifying that, a call to them requests personal information I do not want to provide if it is not the correct company. On the website it requires I provide a reference number to gain any information, which again has not been provided in writing. 

Any assistance that can be provided in verifying this company, and how to pay the dedt before I accidentally provide personal information to an incorrect company would be helpful. Without verified write communication from the company of the details on the debt and the payment options, I am not comfortable providing information via phone or email. 

I appreciate you reviewing this incident and any help you could provide in obtaining the correct written communication from the collector so I can take care of the account if it is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation