vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-14 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: PR

Complaint narrative:
I am writing to dispute outdated information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), negative accounts should not remain on a credit report for more than 7 years from the date of first delinquency. 

The following accounts on my report exceed this limit and should be removed : XXXX. XXXX XXXX XXXX 7 years, 2 months old XXXX. XXXX XXXX XXXX 8 years, 11 months old XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I request that you remove these accounts from my credit report immediately.

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 2025-01-14 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: PR

Complaint narrative:
I am writing to dispute outdated information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), negative accounts should not remain on a credit report for more than 7 years from the date of first delinquency. 

The following accounts on my report exceed this limit and should be removed : XXXX. XXXX XXXX XXXX XXXX  years, XXXX months old XXXX. XXXX XXXX XXXXXXXX XXXX years, XXXX months old XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I request that you remove these accounts from my credit report immediately.

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 2025-01-14 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I was hospitalized and forgot to inform them of this and now I have this large bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
The itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX are inaccurate . To my knowledge I have not signed any documents authorizing the companies in question to view my credit report. I did not consent to anyone pulling my credit score on XX/XX/year>. The listed inquiries above were without authorization and for no legitimate business purposes. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I may verify its validity. If YOU FIND THAT I DID NOT AUTHORIZE THESE INQUIRIES I ASKED THAT IT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE.

Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible. I hope I can receive a response back or any information from you guys as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC
State: MO

Complaint narrative:
I have had an investment account and a cash savings account with Betterment for several years. I deposit money into each account every month. In XXXX of XXXX I deposited {$20000.00} in my Betterment cash account over three different deposits over a number of days. So I had over {$23000.00} total between both accounts most in the cash account. On XX/XX/XXXX I tried to withdraw {$2000.00} from my cash account. The next day I got a reply saying they needed proof the account was mine. I sent the information they asked for. An image of my drivers license and checking account statement. The next day they asked for bank statement from another checking account not the one I was transferring to but the account I had transferred the money from in XXXX. I immediately sent the information they requested. Both accounts have my name on them. I can not get a response from Betterment either from email or calling their customer service number. The customer service person was no help and made me upset. I feel like Betterment is stealing my money! Im XXXX XXXX XXXX on social security and I can not afford to lose any money to this multi XXXX dollar financial institution. I want to know why they wont give me my money. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-01-14 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: FL

Complaint narrative:
To \A/hom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the NPDData breach, my personal information has been compromised, including 6 criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-14 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
ChryslerCap/Santander . 
Account number : XXXX Account type : Charge-Off Reporting to : XXXX and XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XX/XX/XXXX I asked them to validate the account. All they did was change the notes in the credit report and set updates and verify. This account was closed in XXXX as a charge off. As my report shows they have reported charge off XX/XX/XXXX all the way to XX/XX/XXXX on my XXXX. Which they only charged it off once. Thats not accuracy of my report. XXXX also shows last payment on XXXX XXXX. And it was closed on XXXX XXXX Same as XXXX. This have dropped my sores over a lot. 40- 50 points every time I dispute with them.All they have done is updated the profile and Re aged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Subject : Request to Remove Negative Balance Following Issuance of 1099-C Dear Sir/Madam, I am writing regarding my Capital One checking account, account number [ XXXX ]. I recently received a Form 1099-C from Capital One, indicating that the debt associated with this account has been canceled.

However, despite the issuance of this cancellation of debt, my account still reflects a negative balance. According to IRS regulations, once a creditor issues a 1099-C, the debt is considered forgiven, and no further collection activity or negative balance should remain.

I kindly request that you update my account to reflect a {$0.00} balance and confirm in writing that the debt has been fully resolved. 

Please process this correction promptly and provide written confirmation. If additional information is needed, feel free to contact me at XXXX Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 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 decided to make another attempt as the Experian Credit Report Lawsuit is in progression. On several occasions over the years, as early as XX/XX/XXXX and as recent as 3 months ago, ive been requesting disputes and information into different accounts ive had attached to my credit. Each time, the search returns no evidence nor any information despite my explicit questioning of it

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 2025-01-14 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: NC

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-01-14 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: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express offers employees cards to small business account holders, and these cards can be applied for online, by providing the employees name and email address. The process has always been that the card would then be sent to the employer ( account holder ), who provides the card to the employee. The employee then has 60 days to contact American Express and provide sensitive personal information, otherwise the employees card will be canceled. This information includes social security number, date of birth, and personal address. 

Recently, American Express has changed this policy so that the employer is now forced to provide the employees sensitive data before American Express will begin to process the employee card order. American Express has removed the 60 day period allowing the employee to provide this information directly. This creates a legal violation, as someone is now being required by American Express to share the social security number, date of birth, and personal address of another individual over the phone with a customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I am writing to demand the immediate removal of fraudulent entries reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my credit report, reflecting the same alleged debt under two different account numbers. THIS IS NOT A DUPLICATE, DUPLICATE MEANS SAME ACCOUNT NUMBER AND INFORMATION. THESE ACCOUNT HAS TWO DIFFERENT ACCOUNT NUMBERS. This is a clear case of identity theft, as my personal identifying information ( PPI ) has been misused to create and report these false debts. 

After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's improper practices, they responded by submitting two separate accounts for the same alleged debt. This is not only retaliatory but also suggests XXXX can not verify which of the two accounts is the alleged legitimate debt. This reporting violates both 18 U.S.C. 1028 ( identity theft ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires accurate and verifiable information. 

I demand that you remove both accounts from my credit report immediately. Additionally, I request that you provide through the CFPB portal NOT BY MAIL detailed proof of YOUR VERIFYING PROCESS FOR THESE ITEMS and how XXXX verified these alleged debts under two separate account numbers using my PPI. If verification can not be provided, these entries must be removed permanently. Failure to comply will result in further legal action How did you verify one alleged debt on my credit report under two different account numbers for the same alleged 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 non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I am writing to demand the immediate removal of fraudulent entries reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my credit report, reflecting the same alleged debt under two different account numbers. THIS IS NOT A DUPLICATE, DUPLICATE MEANS SAME ACCOUNT NUMBER AND INFORMATION. THESE ACCOUNT HAS TWO DIFFERENT ACCOUNT NUMBERS. This is a clear case of identity theft, as my personal identifying information ( PPI ) has been misused to create and report these false debts. 

After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's improper practices, they responded by submitting two separate accounts for the same alleged debt. This is not only retaliatory but also suggests XXXX can not verify which of the two accounts is the alleged legitimate debt. This reporting violates both 18 U.S.C. 1028 ( identity theft ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires accurate and verifiable information. 

I demand that you remove both accounts from my credit report immediately. Additionally, I request that you provide through the CFPB portal NOT BY MAIL detailed proof of YOUR VERIFYING PROCESS FOR THESE ITEMS and how XXXX verified these alleged debts under two separate account numbers using my PPI. If verification can not be provided, these entries must be removed permanently. Failure to comply will result in further legal action How did you verify one alleged debt on my credit report under two different account numbers for the same alleged debt.

Company response to consumer: Closed with explanation