vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NEU Money, Inc.
State: CA

Complaint narrative:
I Was charged XXXX XXXX  from a fraudulent transaction and others i reported to the Company i have the credit card with Neu Credit Card. I had to deal with them this fraudulent transactions that kept happening I don't know if i someone got my credit card from a website i used or what. all i know is that the company kept allowing charges to go through even on the old card number I had them replace and get me a new one more than 3 times and I kept calling them and letting them know there the only credit card company that allows old card numbers to continue trying use the same card being used and they still had access to the account because no matter how many times i got a new card they could still try to make a transactions and use the card even after calling them up every time they tried and tried and on there website or app it says cards can still be used for future purchases from old cards this credit card company is the only company that will be able to still use old cards to make transactions on the account i kept changing my passwords and emails for the account thinking they have access to my account and them writing in the dispute about there dissension they said they concluded that it's family transactions from someone in my family and that the card isn't lost or stolen and it's in my possession when I tried to explain to them it could of been hacked by a website i used to make a purchase. And I didn't want this to happen of course not but how can they sit there and say it's from a family member and that i never reported the card or replaced it. I must have replace it about 7 times maybe more on my own thinking they could still have access to my account it's so hard to have this company make this dissension and sit there and be so crazy with the funds and me calling them up every time saying how can they keep using my account and i not knowing what to do. I thought they would understand but no they don't I closed my account because there company is so got me feed up with how they are able to use a old card number to make future purchases when the card is closed and not able to stop them from trying to make fraudulent purchases they must of tried and got a total of 4 transactions out of me another amount was for XXXX XXXX and another was for XXXX XXXX  and they made a few more that were over my account balance so it didn't go through but they didn't stop trying though. I kept calling them and saying how can they still use my old card when i keep changing my information and card number. There telling me now after i emailed them again stating more facts on there decision that its final unless i can provide them with more facts which I can't see what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: MO

Complaint narrative:
I have no idea where the debt is from or who the company is. I have never lived in XXXX Ohio to owe debt in that state

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a complaint against this company & credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : US BK CTXXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged Court US BK CT-EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Removed From XXXX XX/XX/XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX INQURIES XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
This is my fourth formal request for the immediate removal of an inaccurate account listed on my credit report. Your failure to address this blatant error despite multiple notices is completely unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

THE ACCOUNT IN QUESTION IS : XXXX XXXX XXXX XXXX ACCOUNT : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following Experians guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request assistance regarding unauthorized or inaccurate credit inquiries that remain on my credit report despite my efforts to dispute them with the credit bureaus.

I recently reviewed my credit report and identified unauthorized inquiries from XXXX XXXX XXXX, dated [ XX/XX/XXXX and XX/XX/XXXX ] and XXXX XXXX on XX/XX/XXXX. I did not authorize these inquiries, and as a result, I disputed them directly with the credit reporting agencies ( Experian, XXXX, and/or XXXX ) . However, despite my dispute, the credit bureaus have failed to remove the inquiries from my report. I ONLY AUTHORIZED XXXX TO RUN MY CREDIT 1 TIME. ON XX/XX/XXXX WHEN I APPLIED ONLINE. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request its removal if it can not be verified. Since these inquiries were not authorized and the credit bureaus have not taken action, I am now seeking CFPB intervention to ensure that Experian removes these inquiries from my credit report.

My information has been leaked from Experian and XXXX and there have been several instances where my credit has been compromised due to their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following Equifax 's guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report is showing multiple names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Trans Union I am contacting you regarding a debt you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I formally request validation of the alleged debt before I consider any further action.

Please provide written verification of the following : 1. Details of the Debt : o The name and address of the original creditor.

o The account number associated with the alleged debt.

o A full breakdown of the amount you claim I owe, including principal, interest, fees, and any additional charges.

2. Proof of Debt Ownership : o Copies of documents that establish my responsibility for this debt, including any signed agreements or contracts.

o Proof that you have the legal authority to collect this debt, including documentation of ownership or assignment.

3. Debt Collection Authority : o Your agencys license details for debt collection in my state ( if applicable ).

Until you provide the above information, I will not acknowledge responsibility for this debt. Please note that under the FDCPA, you are required to cease all collection efforts, including reporting this debt to credit bureaus, until proper validation is provided.

If you can not validate the debt, I request that you cease all communication with me as per my rights under federal and state law.

Please provide the requested information within 30 days of receiving this letter. Any further correspondence should be sent in writing to the address listed above.

Sincerely, 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 2025-01-29 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: NC

Complaint narrative:
My report is showing multiple names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Dear XXXX XXXX I am contacting you regarding a debt you claim I owe. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ), I formally request validation of the alleged debt before I consider any further action.

Please provide written verification of the following : 1. Details of the Debt : o The name and address of the original creditor.

o The account number associated with the alleged debt.

o A full breakdown of the amount you claim I owe, including principal, interest, fees, and any additional charges.

2. Proof of Debt Ownership : o Copies of documents that establish my responsibility for this debt, including any signed agreements or contracts.

o Proof that you have the legal authority to collect this debt, including documentation of ownership or assignment.

3. Debt Collection Authority : o Your agencys license details for debt collection in my state ( if applicable ).

Until you provide the above information, I will not acknowledge responsibility for this debt. Please note that under the FDCPA, you are required to cease all collection efforts, including reporting this debt to credit bureaus, until proper validation is provided.

If you can not validate the debt, I request that you cease all communication with me as per my rights under federal and state law.

Please provide the requested information within 30 days of receiving this letter. Any further correspondence should be sent in writing to the address listed above.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written.

Delivered in the presence of : XXXX XXXX

Company response to consumer: Closed with explanation