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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received an email on XX/XX/year> from American Express to make a payment of {$740.00} in 3 days time as they are conducting a periodic review of the account. To give a broader perspective into the matter, my credit limit on American Express Card was {$20000.00} during the time and my usage was only {$2200.00} and the minimum balance payment that was required to make was {$0.00}. Now after receiving the email to make a payment of {$740.00} I went to the Amex App to see if there was any pending payment and their wasn't any payment required. I wanted to confirm if this is authentic so I contacted the customer care through the Amex App Chat on XX/XX/year> which is a XXXX  and the customer care professional asked me to contact the the number XXXX XXXX XXXX XXXX XXXXXXXX to XXXX. So I had to wait next 2 days to contact the team to know the reason and I only had 1 day left to make the payment of {$740.00} since they only gave me total of 3 days to make the payment to keep the credit limit as it was. Now, on Sunday I had to make a purchase and my card was declined. I was not informed about the card would be blocked prior. This was a total embarrassing and stressful moment. 
My complaints are : 1. I was not notified that the card would be blocked as my app had {$0.00} minimum payment and I had made required payments on time every time and my usage was only {$2200.00} of the {$20000.00} credit limit. As a consumer and who pays bills on time, I need to be notified if they are going to block my card. This was a totally deceptive practice from American Express to block the card without prior notice.

2. I was only given 3 days to make the payment without any time for me to know the reason and make a dispute. And since the 2 days were weekends, in reality I only had 1 day to contact American Express. 

I called the number they provided on XXXX  XX/XX/year> to know the reason and make an official complaint and talked with the customer care agent however I haven't received any reply email in receiving the complaint. On XX/XX/year> I received an email saying my credit limit is decreased to {$3000.00}. The whole event was totally frustrating, embarrassing and mentally depressing. I seek compensation for the deceptive practices and failing to resolve or even acknowledge the disputes for the harm that has caused over this period since XX/XX/year> from American Express.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their return, nor have I received any communication about this by mail.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions, Account number # XXXX Opened : XXXX Balance : {$5500.00} Contacted company via certified mail with all requested documents, supporting identity theft, and contacted them via phone.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: FL

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: 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I first called Sears and talked to the operator for complaints. She understood my concern and reversed the charges. Three weeks or one billing cycle I receive a letter regarding reversing the charges in favor of XXXX including a letter from the manager stating that the work was done.

I followed up with a phone call and was instructed to summit my complaint. I faxed and mailed receipts showing how I was treated and dismissed. 

After a week or more I called to see if they had reviewed the information. I couldn't tell from what I was told if they looked at the information as she told me the case was closed. She reopened it and told me to summit receipts and any other information that would explain what I had explained now two times. 

And now I called again after a week to see if they had received my info. I was told it had been closed. I asked if I could talked to someone that might have read what I had sent. So she sent me to a upper agent. That agent told me that it had been closed and I needed to talk to XXXX. I think I have 15 phone calls to XXXX still of record without any success. 

I won't be using XXXX for anymore work on my partners jeep.

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: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So when I filed for unemployment three months from when I applied to, when I actually got my debit card, the process was tedious to say the least. It took an additional five weeks for my car to arrive and I had no access to my funds that were back paid for an entire year. That may drive a girl a little man having no money having to stay in a place where she didnt wan na stay just waiting for her debit card And then the day that I got my debit card I was leaving the grocery store and my wallet was stolen in the parking lot. I my phone was stolen my wallet. I tried to contact Bank of America the next day and let them know, but I couldnt get through and I felt defeated, and I didnt know what to do When I finally got a hold of Bank of America a few months later I explained the situation and they opened a claim and then denied my claim. It was like an automatic denial, and I went through months and months and months of trying to get through to Bank of America to file a claim or discuss my claim or to get some resolution to order a new card I mean, I guess someone else was able to order a new card under my name to an address that I dont know, but I did I have not been able to. I was not able to order a card at that time somebody else did, but that wasnt me. It was to some other location. One of the agents told me an address once but I dont remember where it was exactly it was in XXXX XXXX but Ive never even been there before in my life so I dont know how I would be getting mail there. They have continued to deny my claims and have neglected to give me the documentation that I have requested and now this last time I requested statements because I cant access the online banking anymore. They said they couldnt verify my identity over the phone and I had to go into the bank while my my ID is broken in half and I need to go to the DMV to get a new ID but I dont have money because I havent been paid back by Bank of America XXXX I did also file a police report in with XXXX XXXX in 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These XXXX inquiries reporting on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX - XXXX - {$0.00} XXXXXXXX XXXX - XXXX - {$650.00} XXXX XXXX  - XXXX - {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AZ

Complaint narrative:
CashApp closed an account I have maintained in good standing for 5 years for violations of TOS that are not explained or provided. I thoroughly reviewed TOS today, and have no violated any clause whatsoever. I'm not sure what triggered this, I removed old XXXX links to my CashApp card today, sent a payment yesterday on an account I needed to update - because we can only list one card at a time. When I was finished, I reconnected the original card. All are accounts I am authorized to use. Perhaps that triggered an inaccurate fraud pattern? I filed an appeal, but I am upset that 5 years of thousands of transactions did not warrant a flag to speak with someone as opposed to complete closure. The bottom line is, I did absolutely nothing wrong, and in no way violated the TOS.

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: CA

Complaint narrative:
I urge you to carefully review this complaint, as it was sent with genuine concern. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that are not mine. This is deeply troubling and has caused me significant stress and XXXX, knowing my personal information is being misrepresented.

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 — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings
State: CO

Complaint narrative:
I am writing to formally notify you that I believe I am a victim of identity theft regarding the collection account listed under my name, which is related to an apartment rental I have never personally rented. I have no knowledge of the lease or any associated charges, and I did not authorize or participate in any agreement with the landlord or property management. 
After reviewing my records and the details of the account in question, I can confirm that I did not sign any lease for this apartment and am in no way connected to this debt. I am requesting that this matter be thoroughly investigated and that any and all information related to this fraudulent activity be removed from my record immediately. 
I would greatly appreciate it if you could update your records to reflect that I am not responsible for this debt, and I kindly request confirmation that the fraudulent account has been remove from my record immediately

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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I was impacted by the credit data breach that exposed my sensitive personal information, including my name, Social Security number, date of birth, and other private details. This breach violates my right to privacy under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ). I have since been contacted by Wakefield & Associates, a debt collection agency, regarding a debt I do not recognize. 

To address this, I contacted Wakefield & Associates, who currently owns the debt, and XXXX XXXX XXXX, who recently sold the debt to Wakefield & Associates. I requested validation of the alleged debt by asking for legitimate supporting documents. However, the only information I received included basic details such as my name, date of birth, Social Security number, and the alleged date of serviceinformation that was compromised during the recent data breach. 

Additionally, I contacted XXXX by telephone on two occasions to dispute the account and explain that it does not belong to me. One of the agents I spoke with stated that I would need to file a police report to proceed with the dispute. As someone working 18-hour shifts six days a week, I do not have the time or resources to file a police report. Furthermore, the burden of proof should not fall solely on me to demonstrate that this debt is not mine. 

I am requesting the CFPB to investigate how this alleged debt was verified using compromised data, ensure compliance with the Fair Credit Reporting Act, and require the companies involved to substantiate their claims with legitimate documentation. I also ask that XXXX take appropriate action to address this disputed account without requiring me to obtain a police report.

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 — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
The account in question is XXXX  phone bill from 17 years ago with XXXX XXXX XXXX  For {$3200.00} I never pay it and it fall off my credit report bout 8-10 years now. I pull my credit report and it with Jefferson capital LLC back and my credit report fresh like it just happen I know it is too old to be and credit report. 
Jefferson capital LL XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following employer showing on my Equifax report is inaccurate : The XXXX XXXX Please remove this inaccurate employer from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
AMSHER DEBT COLLECTION IS TRYING TO COLLECT ON A DEBT THEY SAY I OWE. 

1 ) AMSHER COLLECTION SERVICE AMOUNT ; {$2600.00} ACC # XXXX DATE ; XX/XX/year> CONTACT : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation