vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I have several inquiries, collections, and car loan on my report that DO NOT belong to me. I disputed through the 3 credit bureaus and started getting harassing phone calls from collections. And nothing has changed on my credit report due to a data breach I have to suffer the consequences.

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 2024-12-27 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: GA

Complaint narrative:
I have several inquiries, collections, and car loan on my report that DO NOT belong to me. I disputed through the 3 credit bureaus and started getting harassing phone calls from collections. And nothing has changed on my credit report due to a data breach I have to suffer the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: First Credit Services Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 inaccurate.

15 U.S.C. 1681B ( 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: V and H Portfolio
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. VANCE AND HUFFMAN LLC And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 inaccurate.

15 U.S.C. 1681B ( 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Spoke to XXXX supervisor with the customer advocacy team and credit line rep with XXXX. Who confirmed the account ( XXXX for {$72000.00} ) was not mines and I am not the signer. The rep generated two ticket numbers to have it removed from my credit reports. Ticket numbers XXXX and XXXX. The rep also stated he checked in the database which indicated and reads that I am not associated with those loan balances, so they need to get removed.

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 2024-12-27 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: TX

Complaint narrative:
Spoke to XXXX supervisor with the customer advocacy team and credit line rep with XXXX. Who confirmed the account ( XXXX for {$72000.00} ) was not mines and I am not the signer. The rep generated two ticket numbers to have it removed from my credit reports. Ticket numbers XXXX and XXXX. The rep also stated he checked in the database which indicated and reads that I am not associated with those loan balances, so they need to get removed.

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 2024-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Disputed Accounts : [ Account Name or Creditor, e.g., Bank of the West ] Reason for Dispute : The account is inaccurately reported as both charged-off and closed. Payment history details are inconsistent across reports from other bureaus. 
Requested Action : Please remove this account or correct the reporting to reflect accurate information. 
[ Account Name or Creditor, e.g., XXXX XXXX XXXX  ] Reason for Dispute : This collection account lacks validation or clear information about the original creditor. 
Requested Action : Remove this account unless validation is provided as required under FCRA. 
[ Account Name or Creditor, e.g., XXXX XXXX Credit Card ] Reason for Dispute : Payment histories are inconsistent across the credit bureaus, and late payments are reported inaccurately. 
Requested Action : Correct the payment history or remove the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
I am submitting a formal complaint against XXXX, XXXX, and Equifax for their failure to correct inaccurate information on my credit report, despite my repeated attempts to resolve the issue. Although these credit reporting agencies closed my previous complaint, the inaccuracies still persist on my credit file and continue to negatively impact my credit score. 

On XX/XX/year>, I filed a dispute requesting a re-investigation of the incorrect information appearing on my credit report. However, the dispute was closed without any meaningful resolution, and the incorrect data remains. I have made several efforts to work with the credit bureaus and the relevant creditors to rectify the situation, but these attempts have proven unsuccessful. 

The ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus have failed to properly reinvestigate the disputed items, leaving erroneous information on my credit report. Under the FCRA, these agencies are required to ensure that reported information is accurate and complete, correcting any discrepancies once notified. Their failure to investigate and resolve these errors is a breach of this responsibility.

FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are required to ensure the accuracy of the information reported. Despite my dispute, the incorrect data has not been corrected, suggesting that reasonable procedures to verify its accuracy were not followed.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The credit bureaus did not initiate a thorough re-investigation of the disputed information after I filed my complaint. This failure to take appropriate action is a direct violation of my rights under the FCRA.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX, XXXX, and Equifax accountable for their failure to comply with the FCRA. I ask that they be directed to correct the inaccuracies on my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a survivor of XXXX XXXX, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a Victim Determination Document ( VDD ) issued by a recognized NGO certifying my status as a trafficking survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.

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 2024-12-27 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/2024, I purchased a XXXX  XXXX XXXX XXXX XXXX XXXX for {$330.00} through XXXX XXXX XXXX the seller XXXX. The order was guaranteed for same-day delivery but arrived several days late, rendering the item unnecessary as I had already purchased the tool locally. When the delayed package arrived, I immediately initiated a return without opening it. 

XXXX confirmed receipt of the returned item on XX/XX/2024, as evidenced by my XXXX account correspondence and their statements in multiple chats. They also confirmed that the item was inspected and restocked. Despite this, XXXX has refused to issue a refund unless I provide sensitive personal information, such as a government-issued ID, passport, and my Social Security XXXX XXXX which I declined for privacy and security concerns. 

On XX/XX/2024, after waiting over 30 days without receiving my refund, I escalated the matter to Apple Card XXXX Goldman Sachs Bank ). I submitted a comprehensive dispute packet XXXX separate times, including : XXXX. Order Confirmation Details. 
XXXX. Evidence of return shipment and delivery. 
XXXX. Chats with XXXX XXXX confirming receipt of the returned item and their promise to issue a refund. 

Apple Card has repeatedly ruled in XXXX favor, stating, XXXX on our review, the original decision will remain because there is no evidence to substantiate the claim. 
However, this decision disregards the clear documentation I provided. 

Amazons failure to refund despite acknowledging receipt and restocking of the returned item is unacceptable. Their demand for sensitive personal information to process the refund is unreasonable and not legally required for such transactions. 

I request the CFPBs assistance in holding Apple Card ( Goldman Sachs Bank ) accountable for conducting a thorough and fair review of this dispute and ensuring XXXX XXXX its obligation to issue the refund. 

I will attach all supporting documentation to this complaint for review, including the full packet sent to Apple Card XXXX Goldman Sachs Bank ) multiple times during the dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center
State: MA

Complaint narrative:
Arstrat is attempting to collect debt that has already been paid. They call me frequently late at night and use abusive language and threaten to damage my credit score if the debt is not paid immediately. Please ask them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I have sent you request to proof you can collect this account and proof that I am liable to pay this debt you fail to provide the proof, Inaccurate account or fail to proof you own this account is a violation of the FCRA 15U.S.code 1681e ( b ) and must be DELETED from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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 am a victim of identity theft and there is an inaccurate account that doesnt belong to me. Never authorized the account or inquiry

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I only have one name and one address there are multiple listed on my credit report names I've never gone by addresses I never lived

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was a client using USBANK cash rewards credit card. They emailed/sent me an offer for PAZE service. I activated it online and was promotional promised {$10.00} from XX/XX/XXXX. I have photos of the confirm emails. They never paid me as promised after 3 months. I called to close the account on XX/XX/XXXX because they charge an outrageous fee of {$95.00} a year. I had about {$43.00} dollars in rewards total. Their system and rewards program is Not clear and I discovered then I can only get {$25.00}. It said {$25.00} minimum and also the word increments. I don't know if I lost out or couldn't get the full amount and had to close it quick.They did not disclose this to me when I started my account. The rep also stated they would need another 8 weeks to look into XXXX missing money but would not since I am closing it. That is a ridiculous amount of time and not responsible. For rewards they use unclear system to deter and hinder the redemption and it is unfair! I want to receive the {$10.00} and the rest of my rewards accrued which is {$18.00}.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against the credit bureaus for failing to properly address issues with my XXXX account reporting, and I request immediate investigation and resolution. Additionally, I request that the following statement be added to my XXXX account : " Paid in full, including all fees, but XXXX never provided proper debt validation or a complete breakdown of charges, despite multiple requests. This occurred during XXXX. I was assured the account would be removed from my credit report after payment, but XXXX did not honor this agreement. '' Details of the Issue : Failure to Provide Debt Validation : XXXX did not provide proper debt validation or a complete breakdown of the charges on the account, despite my repeated requests. 
This lack of transparency caused significant stress, particularly as this issue arose during the XXXX pandemic. 
Payment Made in Full : Despite the lack of validation, I paid the account in full, including additional fees and charges. 
I was explicitly told by XXXX that the account would be removed from my credit report once the payment was completed. 
Failure to Remove the Account : XXXX did not follow through on their assurance to remove the account from my credit report after payment. This constitutes a breach of their promise and has negatively impacted my credit score and financial standing.

Credit Bureaus Lack of Action : Despite my disputes and requests, the credit bureaus have failed to properly investigate this issue or resolve the inaccuracies in the reporting of my XXXX account. 
Relief Sought : I request the following actions : Statement Addition : Ensure that the above statement is added to my XXXX account reporting to accurately reflect the situation. 
Thorough Investigation : Require XXXX to conduct a thorough investigation into this matter, including validation of the debt, a breakdown of all charges, and the circumstances surrounding their failure to remove the account as promised. 
Account Removal : Remove the XXXX account from my credit report, as I was assured it would be, following payment in full. 
Compensation : Investigate and hold XXXX accountable for their actions, including compensation for the stress, financial harm, and breach of their agreement during a time of hardship. 
Credit Bureau Accountability : Ensure that the credit bureaus are compliant with their obligations under the FCRA to investigate disputes and report accurate information. 
I trust the CFPB will investigate this matter thoroughly and take the necessary steps to ensure my rights as a consumer are upheld. 

Thank you for your attention and action on this matter.

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