vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: NV

Complaint narrative:
I am writing to dispute attached account reported and refused by Experian on my credit report and the account in question is : attached below : from what I stated and sent you validated docs before of identity theft and from the Data Breach : XXXX  XXXX XXXX- {$900.00} XXXX XXXX ( closed acct XX/XX/22 ), XXXX XXXXXXXX XXXX {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, also Inquiries that were not authorized by me XXXX XXXXXXXX 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent Transunion proof that my name is XXXX XXXX XXXX and they refused to change my name on my report and delete the name Mister

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was on autopay for minimum amount due on the 6th of every month. They stated the autopay was cancelled but still showing active on my account. They didnt run my payment as agreed to and charged me a late fee due to their mistake. When I reviewed my account on the 11th I made payments and let them know of the issue. They stated I cancelled the payment but I am still on autopay. If a payment is cancelled the autopay should be as well. However, that is not how they operate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: London & London
State: CT

Complaint narrative:
Same thing here I made several attempts to requesting the below and was never afforded what I asked to receive. Yet 4 years later a garnishment prompt me to look ont XXXX website and unbeknownst to me here is another lawsuit this is just not right that these people to able to create havoc on good people such as myself and damage my financial integrity. I would never not answer a court order requesting me to appear before a judge. I Never received an execution from any XXXX 's office as they are claiming for this to be valid. 

XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verification Request Account Number : XXXX ( {$2400.00} Charge Off ) To Whom It May Concern, I am writing to formally request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is not a refusal to pay but a request for clarification and proof of the debt you claim I owe.

Under the FDCPA, I am entitled to receive detailed information about this debt, including : 1. Verification of the debt : Proof that I am the individual responsible for this alleged debt.

2. The original creditor 's name and address : Documentation clearly identifying the original source of the debt.

3. The amount of the debt : An itemized accounting of the total balance, including principal, interest, fees, and other charges.

4. Evidence of your authority to collect : Proof that your agency has been authorized to collect on this debt, including any relevant contracts or agreements.

5. A copy of the original contract or agreement : If applicable, provide a copy of the contract or agreement I allegedly signed, which demonstrates my obligation to repay the debt.

Additionally, under 15 U.S.C. 1692e ( 4 ), you are prohibited from using deceptive or misleading practices in your collection efforts. Until the debt is fully validated, I request that all collection activities related to this account cease immediately, as outlined in 15 U.S.C. 1692g ( b ).

Please note that I am requesting all communication regarding this matter be conducted in writing and sent to the address listed above. If you can not provide the requested information, I expect you to cease collection efforts and promptly notify me in writing of the closure of this account.

Failure to comply with these requirements may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days from your receipt of this letter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached..I am aware of all data breaches, I have seen class action lawsuit for your failure to look into things, I have sent copies of my disputes to you and other bueros and the companies themselves, next steps will be litigation.

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 2025-01-11 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: IL

Complaint narrative:
See attached..I am aware of all data breaches, I have seen class action lawsuit for your failure to look into things, I have sent copies of my disputes to you and other bueros and the companies themselves, next steps will be litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX - XX/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 non-monetary relief
Consumer complaint received 2025-01-11 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seXXXX years. 

XXXX U.S.C XXXX ( A ) ( a ) 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 : XXXX XXXX XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On Saturday XX/XX/year> midland credit management contacted me at XXXX am eastern time from the phone number ( XXXX ) XXXX. I told them to no longer contact me and the agent on the phone told me its their right to contact me even when I asked to not be contacted again. This is a clear FDCPA violation. When a consumer requests no contact, the collection agency must no longer contact the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, 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 2025-01-11 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: 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 XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: OH

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. 

List of Unauthorized Inquiries : XXXX  - XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-01-11 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: OH

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. 

List of Unauthorized Inquiries : XXXX  - XXXXXXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX, due to an overlooked payment date of XX/XX/XXXX, my XXXX XXXX Account with Synchrony Bank was charged a {$30.00} late fee rather than the {$8.00} fee designated in the XX/XX/XXXX final ruling by the CFPB. I paid the monthly amount due + the {$30.00} late fee immediately to bring my account current before remembering the changes made through the Biden administrations policy on stopping excessive junk fees. Is there anything I can do to recover the {$22.00} or have I misunderstood this new ruling and its effective date? Do I have any recourse?

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 monetary relief
Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
I have sent XXXX proof that my name is XXXX XXXX XXXX and they refused to change my name on my report and delete the name Mister

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We deposited a lawsuit check for {$79000.00} on XX/XX/year> into our chase bank checking account via an ATM. per the Federal regulations, a certain amount of funds should be made available to us within 24 hours and more thereafter. It has been 3 days and we have not received any funds and our money is being withheld from us causing us to be financially strained and our account to be overdrawn. We have called chase 3 times to request the funds be released and they are refusing saying XXXXXXXX XXXX who issued the check doesnt verify funds but theyll be available on the XXXX. If they dont verify funds, how will they be available on the XXXX but not immediately? Chase bank is violating federal law by withholding funds from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 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:
To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Experian. My personal information was exposed in multiple data breaches, and as a result, I became a victim of identity theft. I have submitted all required documentation to Experian and requested a thorough investigation into the fraudulent activity in my credit file. However, Experian has consistently failed to conduct a proper investigation, and the situation has only worsened. 
Most recently, after my last complaint to the XXXX, the negative information related to the fraudulent activity was deleted from my credit report. However, just XXXX hours later, the same negative information was reinserted onto my credit report without any new investigation or verification of its accuracy. Despite me submitting this under section 605B which requires Experian to block the fraudulent information, they took it upon themselves to modify it to a XXXX dispute ( evidence attached ) ; and are still declining to block the information under the argument that I knowingly obtained or should have known about obtained goods or services. This troubling action suggests that Experian is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate. The reappearance of these items on my credit file raises serious concerns about the adequacy of Experians procedures for handling fraudulent data. 
Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Experian is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being. 
Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 
Sincerely, 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 2025-01-11 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:
To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Experian. My personal information was exposed in multiple data breaches, and as a result, I became a victim of identity theft. I have submitted all required documentation to Experian and requested a thorough investigation into the fraudulent activity in my credit file. However, Experian has consistently failed to conduct a proper investigation, and the situation has only worsened. 
Most recently, after my last complaint to the CFBP, the negative information related to the fraudulent activity was deleted from my credit report. However, just XXXX hours later, the same negative information was reinserted onto my credit report without any new investigation or verification of its accuracy. Despite me submitting this under section 605B which requires Experian to block the fraudulent information, they took it upon themselves to modify it to a XXXX dispute ( evidence attached ) ; and are still declining to block the information under the argument that I knowingly obtained or should have known about obtained goods or services. This troubling action suggests that Experian is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate. The reappearance of these items on my credit file raises serious concerns about the adequacy of Experians procedures for handling fraudulent data. 
Under Section 605B of the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Experian is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being. 
Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 
Sincerely, 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