vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XX/XX/XXXX I returned an XXXX XXXX to XXXX. I have the receipts for Drop off and Proof of delivery. 

XXXX billed me {$1200.00} for the cell phone by using my XXXX. I disputed the Payment with XXXX XXXX. I have a letter from XXXX XXXX stating that I did not owe that money. 

XXXX involved a debt collection agency. I became aware of this when I pulled my credit reports in XXXX of XXXX. I have disputes in process with XXXX, Trans Union, and XXXX XXXX XXXX. I have had no success with these disputes. It appears that because XXXX XXXX XXXX filed a verification of debt, I must wait for a dispute process that is currently based on wrong information. XXXX XXXX XXXX added their fee. The amount due is now listed as {$1400.00}. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. I also filed a complaint with the FCC. I found online records of other customers with the same or similar complaints about XXXX. XXXX XXXX XXXX I requested only that XXXX stop pursuing me for money that I do not owe them and clear my credit bureau issues and write letter of apology to me. 

This long period of promises via telephone interaction has produced no results. I have a record of the calls that include XXXX XXXX and XXXX XXXX XXXX 

The latest written communication from XXXX is this email : I am sorry I missed you. I am typically available Monday through Friday between XXXX XXXX and XXXX XXXX 

Please note, this week, I will be out of the office early on XX/XX/XXXX and XXXX at XXXX XXXX  XXXX, and I will be unavailable all day on XX/XX/XXXX. On XX/XX/XXXX, I will have extended availability from XXXX XXXX to XXXX XXXX  PST before resuming my regular schedule next week I will be happy to return your message when I return. If you need immediate assistance, please email XXXX. Thank you and have a nice day! 

XXXX XXXX ( he, him his ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX, WA XXXX Direct XXXX XXXX I intend to call him on XX/XX/XXXX at XXXX Pacific time which is XXXX East Coast time. 

I want this situation resolved as soon as possible. I am XXXX  XXXX XXXX XXXX XXXX XXXX on a fixed income. My credit score will impact my ability to stay safe and healthy and to support myself as I age. Any assistance you can offer is very appreciated. Thank You.

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 2025-01-09 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: GA

Complaint narrative:
XXXX XX/XX/XXXX I returned an XXXX XXXX to XXXX. I have the receipts for Drop off and Proof of delivery. 

XXXX billed me {$1200.00} for the cell phone by using my autopay. I disputed the Payment with XXXX XXXX. I have a letter from XXXX XXXX stating that I did not owe that money. 

XXXX involved a debt collection agency. I became aware of this when I pulled my credit reports in XXXX of XXXX. I have disputes in process with XXXX, XXXX XXXX, and Equifax Credit Agencies. I have had no success with these disputes. It appears that because XXXX XXXX XXXX filed a verification of debt, I must wait for a dispute process that is currently based on wrong information. XXXX XXXX XXXX added their fee. The amount due is now listed as {$1400.00}. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. I also filed a complaint with the FCC. I found online records of other customers with the same or similar complaints about XXXX. https : XXXX I requested only that XXXX stop pursuing me for money that I do not owe them and clear my credit bureau issues and write letter of apology to me. 

This long period of promises via telephone interaction has produced no results. I have a record of the calls that include XXXX XXXX and XXXX XXXX XXXX 

The latest written communication from XXXX is this email : I am sorry I missed you. I am typically available Monday through Friday between XXXX XXXX and XXXX XXXX 

Please note, this week, I will be out of the office early on XX/XX/XXXX and XXXX at XXXX XXXX. PST, and I will be unavailable all day on XX/XX/XXXX. On XX/XX/XXXX, I will have extended availability from XXXX XXXX. to XXXX XXXX. PST before resuming my regular schedule next week I will be happy to return your message when I return. If you need immediate assistance, please email XXXX. Thank you and have a nice day! 

XXXX XXXX ( he, him his ) Sr Specialist, Team CEO XXXX XXXX XXXX XXXX | XXXX, XXXX XXXXXXXX Direct XXXX XXXX I intend to call him on XX/XX/XXXX at XXXX Pacific time which is XXXX East Coast time. 

I want this situation resolved as soon as possible. I am a XXXX XXXX XXXX XXXX XXXX on a fixed income. My credit score will impact my ability to stay safe and healthy and to support myself as I age. Any assistance you can offer is very appreciated. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Dear ( Midland Credit Management ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XX/XX/2024, XX/XX/2024, and XX/XX/2024 ). I dispute the validity of this debt and request that you immediately cease all further communication with me regarding this matter, as authorized by 15 U. S. Code 1692c ( c ). Please provide validation of the debt, including the name of the original creditor, the amount owed, and any documentation that supports the validity of the debt, as required by the FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: LA

Complaint narrative:
I am writing to formally dispute the validity of a tradeline appearing on my Experian credit report. As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), Experian is obligated to ensure the maximum possible accuracy of information on consumer reports and to conduct a timely investigation of disputed items. However, the tradeline referenced below has not been validated within the required timeline, and I am requesting its immediate removal :

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : Number : XXXX Reason : This account is reporting inaccurate information on my credit report. There is different information reported to Transunion and XXXX. My XXXX Credit report list that XXXX XXXX was reported for XX/XX/XXXX however, my account is listed as 30 days late the following month. How was it verified that the account was 30 days late if the previous month reports XXXX XXXX reported? My XXXX report also reports that this account was charged off in XXXX of XXXX. It was reported to XXXX that I made a payment in XXXX of XXXX. There is also information being reported as 90 days late for XXXX months in a row which is not possible. This information is reported inaccurately and needs to be deleted off my credit report immediately. Once my request is completed, please send an updated copy of my credit report. Also, If late payments were in fact verified This law : I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ).

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB 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 non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : Number : XXXX Reason : This account is reporting inaccurate information on my credit report. There is different information reported to XXXX and Equifax. My XXXX Credit report list that No Data was reported for XXXX however, my account is listed as 30 days late the following month. How was it verified that the account was 30 days late if the previous month reports No Data reported? My XXXX report also reports that this account was charged off in XXXX of XXXX. It was reported to Equifax that I made a payment in XXXX of XXXX. There is also information being reported as 90 days late for XXXX months in a row which is not possible. This information is reported inaccurately and needs to be deleted off my credit report immediately. Once my request is completed, please send an updated copy of my credit report. Also, If late payments were in fact verified This law : I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ).

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : Number : XXXX Reason : This account is reporting inaccurate information on my credit report. There is different information reported to XXXX and XXXX. My Experian Credit report list that No Data was reported for XX/XX/XXXX however, my account is listed as 30 days late the following month. How was it verified that the account was 30 days late if the previous month reports No Data reported? My Experian report also reports that this account was charged off in XXXX of XXXX. It was reported to XXXX that I made a payment in XXXX of XXXX. There is also information being reported as 90 days late for two months in a row which is not possible. This information is reported inaccurately and needs to be deleted off my credit report immediately. Once my request is completed, please send an updated copy of my credit report. Also, If late payments were in fact verified This law : I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB 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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am unaware of this debt, nor was I given the opportunity to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). A collection agency has no authority to furnish ANY account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

Transworld Systems Inc. is also not licensed to even collect debt in the state of Florida where I reside.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one Auto Finance : XX/XX/XXXX, I paid off my late husbands car loan so I thought. After XX/XX/XXXX and when I went to XXXX I got a told still a loan on the car. What??? That same day, XX/XX/XXXX I received a letter stating it was returned for NSF. Which isnt true. The money was there. Checked my account and my bank. No XXXX charges to my account Nothing. The week before I paid off this loan so I thought I spent XXXX days trying to get payment to go through. It was system error on them. Probably still was but they are saying XXXX. I was transferred so many times these XXXX times just to get a loan paid off. Cant pay online anccount it was in my late husbands name only. Interest keeps on going. After this XXXX notice, I told them to take interest off due to a month of something I thought was paid off. Been a battle. They took of late charges. Talked to office of the president in XXXX. By XX/XX/XXXX she said she would have an answer with management. She called on XX/XX/XXXX and left a messaged. I called her back XX/XX/XXXX, week of XX/XX/XXXX and week of XX/XX/XXXX. I keep getting told no messages on the account, she will call you back but she hasnt called me back. Just trying to pay off this car loan from my late husband. He passed unexpectedly and raising XXXX kids. Nothing in the mail as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to request the removal of adverse information from my credit profile, as exposed in the recent data breach. Upon reviewing my credit report, I have noticed inaccuracies and negative items that are affecting my credit score. I believe that this information is a result of the data breach and should not be included in my credit history.

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 2025-01-09 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: NV

Complaint narrative:
I am writing to request the removal of adverse information from my credit profile, as exposed in the recent data breach. Upon reviewing my credit report, I have noticed inaccuracies and negative items that are affecting my credit score. I believe that this information is a result of the data breach and should not be included in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XX/XX/XXXX XXXX XXXX {$1200.00}XX/XX/XXXXXXXX XXXX {$1200.00} These collections are the results of identity theft and fraud.

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 2025-01-09 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish this request is made under the privacy protections afforded to me by 15 U.S. Code 6802, and following required documentation.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: TX

Complaint narrative:
Multiple collection agencies contacting and reporting on the same 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I purchased tickets to XXXX XXXX XXXX XXXX XXXX to be held at XXXX XXXX XXXX and Casino XXXX. I purchased tickets thru XXXX thru AFFIRM ( Buy Now Pay Later ) I was not admitted the night of the concert because my tickets sent by via email was not scannable!! They tried accessing by way of their computer but no tickets came up in my name!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Balance has been incorrect for years. Payments were being made on time and balance kept rising. Asked debtor to investigate with no response.

Company response to consumer: Closed with explanation