vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: OK

Complaint narrative:
Repeated failures to meet established deadlines and provide timely updates on the bureau 's handling of this investigation, including the most recent instance of missing the 30-day deadline outlined in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding an entry listed on my credit report under your XXXX XXXX agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount. 2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges. 3. Any documentation showing your legal right to collect on this debt. In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately. Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted multiple times to lift a credit freeze with Transunion. I have attempted multiple times to access my credit report with Transunion. I have attempted multiple times to dispute inaccurate and erroneous information on my Transunion credit report. Each time I get an error that states, " we're having trouble ''. I have contacted Transunion, but the issue has not been resolved. I am starting to believe this is a tactic to avoid removing inaccurate and erroneous items from my credit file. According to 605B of the FCRA, it is illegal to report information on my credit report without my permission. I have found items reported on my credit report that inaccurate and erroneous that have hindered my pursuit of happiness. These negative items being reported have prevented me from being able to get credit approvals. There is a late payment being reported on my XXXX XXXX XXXX XXXX account that needs to be removed. There are late payments being reported on XXXX XXXX XXXX  XXXX that need to be removed. There is a fraudulent Collection account listed as XXXX XXXX XXXX that was opened in my name that I did not consent to and have no contractual obligation to fulfill that needs to be deleted.

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 2024-11-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MN

Complaint narrative:
I have contact giftcards.com com weekly for the last 6 weeks re : requesting a new card as current card expired after one year. Upon requesting they say their contract says they are only good for one year ; however, the federal law protects all VISA gift cards for 5 years. They say they send out a contract ; however, this was never received. They say they are issuing a new card ; however, we never receive. 

Case number with Giftcard.com after multiple contacts : XXXX XXXX XXXX  XXXX In contacted the bank XXXX  that issues them the cards and also filed a complaint with FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-11-25 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-11-25 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: M&T BANK CORPORATION
State: DC

Complaint narrative:
M & T bank has charged me a service fee on my service fee FREE account for years. This account is coupled with accounts that have direct deposits and substantial daily balances in excess of any normal minimum requirement. 

I am charged monthly {$14.00} which is 3 X the {$4.00} waive fees the bank charges and cancels on each monthly statement. This deduction is reflected on my checking statements of XXXX XX/XX/year> XX/XX/year> XX/XX/XXXX going back years. 

I have brought this to the attention of the XXXX XXXX XXXX management twice, starting on XXXX XXXX, and by three e mails to their service dept, and an hour + long call to their service dept on XXXX XX/XX/XXXX with no resolution of the issue. 

The M & T checking statement is by their design difficult to justify as the number of checks cleared, and their total amount are not reflected clearly, all in a manner to conceal additional charges.

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Hello I have been making timely payments and the payments are not being updated properly after payment.. The last payments I made has yet to update and they skipped an entire payment of {$260.00} that was made which is not reflecting on my credit profile. I would like my account updated after my payments are made. I will attach proof of payments through law pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/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 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Company name is world finance the debt still opened is XXXX and on my credit it has another loan that is closed with the same date opened. They used my information in the system to open another loan. I paid XXXX XXXX XXXX and when I called them they refused to give me a paid in full letter. So I contacted both the third party that bought my debt and the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-11-25 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: NJ

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-11-25 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:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-11-25 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:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-11-25 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2024-11-25 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: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-25 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I called JP Morgan Chase Bank on XX/XX/year> about a XXXX credit  card that someone else applied for on the same day, using my information. They said that the application was denied and that they would contact credit bureaus to ask that they remove this hard inquiry. I called to followup on XX/XX/year> and XX/XX/year> and they said it could take a couple of months to be completed. 

I have still not seen this hard inquiry removed from my XXXX credit report. It is not on my other two credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of complaints : This complaint is being filed with the CFPB to request that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion block the fraudulent and inaccurate information on my credit report within 4 business days of receiving this complaint. The fraudulent accounts and inquiries on my report include a collections account from XXXX XXXX XXXX ( # # # # # # XXXX, {$260.00} ), multiple inquiries from XXXX  XXXX XXXX  XXXX  ( XXXX/2023, XXXX/2023, and XXXX/2023XX/XX/XXXX ), and accounts reported by XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), as well as a loan from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). These accounts and inquiries were not initiated by me and are the result of identity theft and fraud. I do not recognize any of these accounts, collections, or hard inquiries, and I did not open or authorize them. These fraudulent entries have resulted in unauthorized hard inquiries and collections showing on my credit report. I have attached a list of the disputed hard inquiries, as well as a copy of my consumer FICO credit report from Equifax showing the fraudulent items. I request that all of these fraudulent items be blocked from my credit report as required under the FCRA. As proof of identity theft, I have also included a copy of the FTC Identity Theft Criminal Complaint ( XXXX ), confirming that these accounts and inquiries are the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting the status of the following accounts as XXXX through Bankruptcy XXXX XXXX. They removed an unverifiable bankruptcy from my report therefore these accounts should not show bankruptcy in the status. 
XXXX. XXXX XXXX please remove bankruptcy XXXX. 
XXXX. Bank XXXX XXXX please remove bankruptcy XXXX XXXX. 
XXXX. XXXX XXXX- please remove bankruptcy XXXX They are reporting inactive on XXXX XXXX  in status. Please remove the Inactive for this account.

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Services continues to call me multiple times per day from multiple lines. I have NO ACCOUNT with them nor have they provided any factual evidence that I have an account with them. Today, I was contacted at XXXX XXXX Yesterday, XXXX XXXX Saturday XXXX XXXX, Friday XXXX XXXX Thursday XXXX XXXX Wednesday at XXXX XXXX, Tuesday, XXXX XXXX. That is 7 times in 7 days. Today I called them back. I refuse to give my name and be recorded. They said I HAD to be recorded. I asked them to stop calling my number and harassing me daily. They refused. I do not want them to call me again. I have no business with them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. XXXX ) Please remove the following inaccurate address from my credit report : CREDIT COLLECTION SERVICES. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately

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