vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
I have a fraudulent charge on my Citi XXXX XXXX XXXX XXXX that I have been trying to get resolved since XX/XX/XXXX. The original charge was {$1800.00} and was made on XXXX XXXX, XXXX. I noticed the fraudulent charge on the next months billing statement and immediately knew it was fraud because I had just paid off the full balance of my account in the amount of {$550.00} on XXXX XXXX, XXXX. Once I noticed the fraudulent charges, I called the number on the back of my card, which was still in my possession, to report them as fraud. 

I did receive a correspondence from Citi Retail Services on XXXX XXXX, XXXX with the results of an investigation, which was very unprofessional looking and looked as bogus as the charge that was made on my credit card. Basically, the letter was telling me that I was responsible for the charges. In the meantime, I did my own investigation and followed up with a response letter from what I found out, which I mailed on XXXX XXXX, XXXX. I have yet to hear back from my letter and since that time, I have had phone call after phone call trying to collect on my account. I have asked numerous time for more help with this situation. The last XXXX speaking person that I talked to that said he would help was someone named XXXX in XXXX XXXX. That was on XXXX XXXX, XXXX and I have yet to hear back from him. 

Meanwhile, there has been interest and late charges added to the initial amount which not totals over {$2000.00}. 

The charge on my credit card was from a bogus company, with a disconnected phone number, located in a phony town in Kentucky that does not exist. 

I would appreciate any help someone could give me with this situation that has been ongoing since XXXX of XXXX. In the meantime, my credit score has taken a tremendous hit for something that I did not authorize and did not receive.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I RECENTLY DISCOVERED MY INFORMATION HAS BEEN INVOLVED IN A DATA BREACH AND HAS BEEN FOUND ON THE DARK PRODUCING FRAUDULENT APPLICATIONS THAT MAY HAVE BEEN SUBMITTED IN MY NAME OR MY IDENTITY WHICH HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE GIVEN MY SIGNATURE NOR CONSENT FOR MY PERSONAL INFORMATION TO BE SHARED OR SOLD TO THESE ENTITIES LISTED AND ARE VIOLATION OF FCRA SEC 604b. 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 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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
This company calls daily claiming collection but never says for what company or for what person they are looking for. Not sure where they are getting their customer phone numbers from? Whoever they are getting them from is not doing the appropriate research to determine if the phone number is correct I entered their phone number on an internet search. This is what was reported : Calls from XXXX likely come from a debt collector Jefferson Capital Systems , LLC, or a spammer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: SC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX XXXX XXXX and a Validation of debt letter

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 2025-01-10 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: PA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX XXXX XXXX  and a Validation of debt letter

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 2025-01-10 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: NJ

Complaint narrative:
I am writing to address Experian 's continued failure to correct inaccuracies on my credit report concerning the account name : XXXX and account XXXX. Despite my previous disputes in XX/XX/year> which the results came back as updated and reflected no changes I then disputed again on XX/XX/year> despite my attempt again the results came back as updated but remains unchanged. Experian has persisted in reporting inaccurate and incomplete information on this account their repeated failure to address these inaccuracies is a blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a reasonable investigation when a consumer disputes information and not to solely rely on the information provided by the creditor. Experian has failed to ensure that the information reported is 100 % accurate, as required under 15 USC 1681e ( b ). Despite receiving my disputes, you have simply updated the account with the same erroneous data without making necessary corrections or provide a detailed response to each dispute, showing whether you truly investigated the disputed information this ongoing inaccuracy has caused me significant emotional distress and financial harm, including credit denials and imposition of higher APRs on credit products. These consequences directly result from Experian 's negligence and refusal to fulfill its legal obligations under the FCRA. Additionally, I am aware of the Consumer Financial Protection Bureau 's lawsuit against Experian for failing to ensure the accuracy of consumer reports and for conducting inadequate investigations. Experian 's behavior in my case appears to align with the pattern of misconduct alleged in that lawsuit, further demonstrating their disregard for consumer rights and the law. I downloaded the before and after results of the reinvestigation of my dispute the results are updated but remain unchanged. This will be my proof to the CFPB and Attorney General that Experian did not do a proper investigation that outlines with the procedures for handling disputes about the accuracy of information in a consumer 's credit file. Delete this tradeline for failing too properly investigate this account, persistently reporting inaccurate and incomplete information on this tradeline and solely relying on the information provided by the creditor which is a violation under the USC 15 1681i. I am committed to resolving this issue amicably and without resorting to legal action. However, if this matter is not rectified promptly, I will have no choice but to pursue legal remedies, which could result in significant costs for your company.

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 2025-01-10 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
. XX/XX/XXXX. I found two attempts to make a withdrawal of {$940.00}. I then received an email that Avant blocked my account. I attempted to access my account to see how much I owed, but I could not get into it. I called customer service, and they tried to verify me through my address. When I gave them my current address, where I have been since XX/XX/XXXX, they said that wasn't the address on file. 
I found that someone else had changed my account address. The Avant Web bank is located in Utah. I saw on my credit report that the address changed was also in Utah. There have been several fraudulent charges on Avant that I did not make. The fraudulent charges were made on a card that I did not use, nor give permission for the charges. I have requested a new card four times, but have yet to receive a new card as of Tuesday, XX/XX/XXXX. I have asked that an investigation be initiated, they have not done that yet, but there is a fraudulent charge of almost {$750.00} because they have not done their job of investigating and resolving my problem. I am 60+ days past due, and I owe {$330.00}, I can't pay a bill that I am not responsible for. I also feel like I am being extorted for the past due payment. 
I feel that another class action lawsuit should be initiated and that more fines should be imposed since they are severely jeopardizing people 's credit. They are also asking for people 's IDs, which could be used for other fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
XXXX is reported twice on my credit report. They refuse to remove it. I only have one account. It is duplicated on my credit report.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-10 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:
I XXXX XXXX was in contact with XXXXXXXX XXXX XXXXXXXX to refinance my mortgage and to pull equity out of my home value to pay off some of incurred debt around XX/XX/XXXX, they instructed me not to pay any of credit cards due them going to paid off from the new loan agreement after months of push back we didnt until XX/XX/XXXX, which resulted in my XXXX XXXX credit card being marked late as well on my credit report. My loan with XXXX was immediately transferred a few days later effective XX/XX/XXXX stating my first with XXXX was XX/XX/XXXX due to my error I didnt realize that I had to pay XXXX loan payment on XX/XX/XXXX. My credit is reporting that I am currently 90 days late on my mortgage which is incorrect, due to my own error and my loan being transferred to XXXX I technically am only 30 days late on my mortgage loan. I have attached loan documents supporting this claim as well as the loan transfer letter, XXXX mortgage loan statements from XXXX, my previous mortgage loan lender payoff letter from XXXX XXXX XXXX XXXX my XXXX XXXX XXXX. I have also disputed this issue with all XXXX credit bureaus TransUnion, 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Requested information per dispute XXXX time for debt validation but received no response or information but came back confirmed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt for XXXX XXXX XXXXXXXX. I lived in these apartments for some time however, I brought some problems to management that were not fixed that made the apartment unihabitable ( IE. Black Mold, non working toilet-had to use a neighbors, and several other issues ) which caused my children and I to get sick. I had talked to their legal team before and advised them of the issues and they assured me that I would get a new unit but that never happened so I advised that per the lease, if the apartment is uninhabitable I would be moving out and again my own legal counsel at this point had recommended this. I was told by management that they apolgized however, months later I get a collection notice for breaking a lease I was entitled to breaking because they had broken it first. This needs to be removed off my credit immediatley. This account has passed the statue of limitation in XXXX as well so no collection can be pursued and this will not be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter

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 2025-01-10 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: MD

Complaint narrative:
Please assist me by blocking and removing the late payments that are currently listed on my credit report. I was never late on any of my payments. These were inaccurate and greatly damage my credit worthiness. I was never late on any of my payments.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Company calls me daily to try and collect debt I do not owe

Company response to consumer: Closed with non-monetary relief