vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
I started a college course at my community college in XXXX XXXX I was promised by the college that the course was covered for me through their career pathway program through the school itself. After I graduated and got my licensing, I started receiving calls from the school and articles of mail stating that I owed debt to them for it. I try to communicate with the school and get it solved before it got sent off to a collection agency after they threatened to send it off to a collection agency. Never heard back from the school now Im receiving pieces of mail from collection. XXXX saying their intent is to file a lawsuit against me for it when I was completely unaware that it got sent to a collection agency. I also was told that I owed a different amount from the school than what the collection agency is trying to charge me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have rights created by federal law. The Fair Credit Billing Act ( FCBA ) allows consumers to dispute credit card charges and withhold payment while the dispute is resolved. 
On XX/XX/2024, I noticed a charge on my account that I believe to be in error, totaling {$110.00}. ) manually entered charge ). After reviewing the details, I am convinced this transaction does not accurately reflect the services rendered or products purchased. I have attached any relevant documentation I possess to support my claim, including receipts and communication logs. 
[ XXXX XXXX XXXX XXXX  quarterly I paid {$72.00}, I requested an additional waste bin via email to customer service because I am a new home XXXX XXXX who receives over XXXX boxes per month of XXXX  supplies. The response was accepted at an additional {$7.00} per month via XXXX XXXX customer service email, XXXX XXXX XXXX -manually overcharged my account going over the credit limit ( by charging {$110.00}! ) ] See supporting documentation of quarterly billing of {$72.00}, XXXX XXXX response of {$7.00} additional, then price gouging of {$110.00} billing. ] As a valued customer of US Bank, I appreciate your institution 's commits The Fair Credit Billing Act ( XXXX ) customer satisfaction and dispute resolution. Therefore, I kindly request that you investigate this matter thoroughly. Additionally, to alleviate the financial impact this charge has caused, I would appreciate it if you could provide the provisional credit of {$100.00} to my account while the investigation is underway. AND NOT ANOTHER UNABLE TO ASSIST NOTIFICATION. TWICE I HAVE CALLED AND SUPPLIED ALL INFO REQUESTED trust in your ability to resolve this issue amicably and look forward to your prompt response. Thank you for your attention to this matter, and please feel contact me at XXXX or XXXX should you require further information.

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
Im trying to dispute charges made by a hotel on XX/XX/XXXX. I did not stay at the hotel that charged my credit card. I did book the room however when I got to the XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. The room was disgusting, it smelled like filth and cigarettes smoke. We didnt even unload our things because it was so bad. I wasnt even in the room but a minute at best. I immediately went and asked for a refund. However the hotel refused and the bank said its up to the hotel. The charge was made at first for {$85.00} plus {$30.00}. The hotel retracted the {$85.00} as well as the {$30.00} charge and turned around and charged the full amount on one charge. The finial amount which was actually deducted from my account was {$110.00}. The hotel is refusing to give me my money back and the bank First Financial Bank, XXXX, Texas XXXX said there is nothing they can do when the business is refusing due to a no refund policy. The hotel refuses to give me a receipt but I have the XXXX XXXX account and it shows the original charge that I signed for was for {$62.00} not {$110.00} which is what was taken from me. Ive filed with the XXXX  in XXXX  as well as disputing with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I was sued today XX/XX/year> for breach of contract with Portfolio Recovery Services. I have never entered into any contract with this company. They are utilizing a bully tactic and attempting to scare me into litigation for a debt that I didnt not create with them. I never signed nor agreed to any loan, terms or monies from this company or any other they own or operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
As OF XX/XX/year> finace company reasiagned THE loan Back And has offered refund on down payment by Auto seller along with THE first payment To finance company ( {$320.00} ). I spent. {$1000.00} on XXXX  And {$570.00} on full coverage insurance And {$550.00} on a warranty For repairs OF {$12000.00} And due To Mechanic stealing parts off purchased Car. I agreed And went To get To XXXX XXXX XXXX To get payment refund and now THE Auto seller is not cooperating again. Due To a diagnostic ran on the Car because it was In XXXX XXXX OF XXXX XXXX In XXXX To be repaired In process For a Repair And then offering To dismiss loan And having it returned. They want that service fee paid as well after everything I have spent to have a functionng Car. And Will not agree To paying THE {$780.00} To have THE S - class XXXX released by THE service department OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tn.

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 2024-12-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: AR

Complaint narrative:
I am a XXXX XXXX XXXX woman and my only income is my widow 's pay through Social Security. 
On XX/XX/24, I contacted Direct Express due to some fraudulent activity on my card. They closed my card and sent me a replacement card which was received on XX/XX/24. Once received I tried to activate it by calling the number ( XXXX ) on the sticker on the card. I was not able to get through and was left on hold for over an hour. I tried the next day, with the same results and then realized it was Saturday and maybe they closed on the weekends. So I tried again that Monday ( XX/XX/24 ), still left on hold for hours. I then contacted my daughter for help. She works long hours and called who out of work to help me, due to the urgency of paying my bills and getting food in my house. Together, we tried calling and could not get through, we also tried the website. When I entered the card number in the website, it read that the card is not valid. Then we emailed Direct Express at XXXX. We were able to receive XXXX response from them that asked for my name and phone number, in which we replied with that information, then NOTHING. We tried emailing them over and over again after that to no avail. On XX/XX/24, I tried calling Social Security for help, was on hold for XXXX hours just for them to tell me that they can not help me. My bills are due and I do not know what to do. Please help in any way possible. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$180.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CO XXXX XXXX BALANCED {$790.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCED {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCED {$170.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX BALANCED {$150.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$440.00} XXXX XXXX XXXXXXXX BALANCED {$1100.00} XXXX XXXX XXXXXXXX BALANCED {$440.00} XXXX XXXXXXXX BALANCED {$130.00} XXXX XXXX XXXXXXXX BALANCED {$0.00}

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 2024-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central portfolio has been harassing me since XX/XX/2021. They call at all times of the day and night and will call back to back and text. What theyre asking for is not related to me, it is to a dead relative. The amount is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
For the last few years, my personal information has been leaked from several corporations, which they called a data breach. Lately, someone has stolen my personal info and used it for their personal gain. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please update my telephone number to : XXXX Unauthorized inquiries : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the last few years, my personal information has been leaked from several corporations, which they called a data breach. Lately, someone has stolen my personal info and used it for their personal gain. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Please update my address to : 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 Truist XXXXXX/XX/year>

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 2. Lack of Detailed Verifica
tion Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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