vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-08-29 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: CCM Finance LLC
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: EQUIFAX, INC.
State: SC

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 Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB CARD Account XXXX Dear Chase Representative : This is a formal complaint about this account appearing on my credit report.This inaccurate infomation is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score. 

A credit report is supposed to be XXXX percent accurate, not XXXX percent accurate. 

I am disputed this account information as being inaccurate, and you ALWAYS responded by verifyand update. But how is that possible? The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. 

You failed to the law 15 U.S.C. 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 section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

i never received a email 21 days before before payment due you failed to the law i request to REMOVE THIS ACCOUNT FROM MY CREDIT FILE. THIS ACCOUNT HAS BEEN DELETE ALREADY FROM : XXXX, XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio recovery services located in Virginia never sent purchase agreement for debt of any kind relating to debt .There 's been no communication between the company and I. Credit report states debt. NO arbitration was offered from company and there's a binding arbitration clause in the Credit card disclosure. I'm disputed through XXXX  and XXXX  with no resolution. There's been no validation of a legal verification that responsibility of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-29 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: IN

Complaint narrative:
I just recently looked at my report XXXX XXXX. 
I saw some hard inquiries that did not have permissible purpose.i also attached evidence. 
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 XXXXXXXX XXXX And the I got XXXX XXXX XXXX XX/XX/XXXX These inquiries has no permissible purpose to be on my report.Delete these inquiries due to violation of 15 usc 1681b

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 2024-08-29 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
I filed formal dispute inaccurate information on my credit report due to identity theft. Despite my previous attempts to resolve this issue, the disputed items remain uncorrected. Below are the details of my complaint : Account Information : Fraudulent Account Account Number : XXXX Creditor Name : AFFIRM INC Disputed Items : LATE PAYMENT XX/XX/XXXXXXXX  Details of the Dispute : On XXXX XX/XX/XXXX, I discovered that my personal information had been used fraudulently to open accounts in my name. I immediately reported this identity theft to XXXX Credit Bureau Name and provided all necessary documentation, including a police report and an FTC Identity Theft Report. Despite this, the fraudulent accounts remain on my credit report. 

Previous Correspondence : I have contacted XXXX Credit Bureau multiple times regarding this issue, including letters sent on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XX/XX/XXXX. Unfortunately, I have not received a satisfactory resolution, and the disputed items have not been removed from my credit report. 

FTC Identity Theft Report : Report number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-08-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Used this card twice. Once for {$44.00} at a mail order pharmacy XX/XX/XXXX and once for {$27.00} at XXXX on XX/XX/XXXX. 

Apparently XXXX took too much money from my card and has tried multiple times to fix their error. 

XXXX took an extra {$13.00} off my card when they processed my purchase. 

XXXX has realized their error and has tried REPEATEDLY to put this money back on my card and each time they try to do it. Blackhawk rejects the credit. 

XXXX has tried AT LEAST three ( 3 ) times to credit my account and each time the credit is refused.

I am out {$13.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX XXXX located in Virginia never sent purchase agreement for debt of any kind relating to debt .There 's been no communication between the company and I. Credit report states debt. NO arbitration was offered from company and there's a binding arbitration clause in the Credit card disclosure. I'm disputed through XXXX  and XXXX  with no resolution. There's been no validation of a legal verification that responsibility of the debt.

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 2024-08-29 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: CA

Complaint narrative:
Heres a CFPB complaint description that references relevant federal and California state laws : -- - **Complaint Description : ** I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. 

This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts.

This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. 

Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.

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 2024-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX responded to my dispute stating all collection attempts would be halted until they gathered information. Service was stopped for another service. Only 1 service line to the property. I paid through the month though new service was started halfway. Through transcripts it was stated that only 1 service can be had through 1 line. Prior to this I setup to transfer at a later date and was told my service would not be canceled and it was immediately. That was rectified and explained 2 services could not exist. With this knowledge a new service was connected but they never canceled the old that was paid past service end. They continued to charge 2 services on 1 working service. No response from XXXX. XX/XX/XXXX I.C. Systems picked up the debt and put it on collections with no contact. XXXX was informed of the illegalalities of this and will not respond. I.C. Systems thinks it's a joke. It's only {$50.00} on exceptional credit but it's a false debt and they will not yield. XXXX was even provided documents to show how they were wrong XX/XX/XXXX. XX/XX/XXXX, when asked they stated they returned the debt to XXXX which was only explained once another company showed collections on my credit report. Previous email was all attempts would cease until information was provided as can be seen in the attached. No single person responded but was a different person with XXXX each time. I.C. Systems I am unable to dispute on my credit report. They will hang up on you and treat you like a joke. I will add more documents later as necessary.

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Expresss XXXX XXXX told me theyll be opening an investigation on why they keep denying me because of someone else. They have someone with a similar name and even though I asked the representative how is that possible ( since we have social security numbers ) thats when I was told they dont know. I stated to American Express how this is securities fraud because I know theyre able to override their decision and approve my application. I know I gave them something of value so wheres my consideration?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Alternative Email : XXXX SSN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXTo Whom It May Concern : I am writing to formally request an immediate investigation into the fraudulent accounts listed on my credit report, particularly those associated with XXXX XXXX XXXX. I have previously provided clear evidence of identity theft, including an FTC Identity Theft Affidavit, yet the fraudulent account remains reported on my credit report.It is apparent that the current procedures and practices in place are either outdated, insufficient, or incapable of handling the complexities of identity theft cases. I challenge Experian to justify its continued reporting of this fraudulent account despite the comprehensive evidence provided.Immediate Actions Requested : Immediate Deletion of the XXXX XXXX  Account : As confirmed by the creditor, this account must be removed from my credit report without delay.Correction of Reporting Errors : Update my credit report to remove any negative information related to this fraudulent account.Detailed Explanation of Verification Process : Provide a comprehensive explanation of how your verification process works and why it failed in this instance.Confirmation of Updates : Please confirm in writing once these corrections have been made, along with a copy of my updated credit report.Failure to address these violations promptly will result in further actions, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), as well as exploring legal remedies for the damages caused by your negligent reporting.I am attaching the following documents to support my complaint : Dispute Investigation Results 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  Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Alternative Email : 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 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to urgently address the disputed accounts on my credit report. Despite multiple requests for investigation into the inaccuracies of these accounts, I have yet to receive any resolution or corrective action. These erroneous entries are severely damaging my credit file and significantly impacting my daily life. 

The ongoing issues with these inaccuracies have caused substantial hardship, and I must now request your immediate assistance in resolving this matter. I urge you to conduct a thorough investigation of each disputed account and take prompt action to update and correct my credit report. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial situation. I sincerely ask for your swift attention to this issue and appreciate your cooperation in resolving it as soon as possible. 

Thank you for your understanding and prompt assistance.

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 2024-08-29 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: TN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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