vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: MI

Complaint narrative:
I am writing to dispute the accuracy and completeness of an account on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information below contains inaccuracies that I request you investigate and correct or remove immediately : Disputed Account : Original Creditor : Synchrony Bank Account Type : Debt Buyer/Collection Date Opened : XX/XX/year>2024 Balance : {$23000.00} ( as of XX/XX/scrub> 2024 ) Status : Collection account, {$23000.00} past due as of XX/XX/year>2024 Reasons for Dispute : XXXX. Inaccurate Ownership : The account is listed as a debt buyer account, which does not align with my records. Please verify the account ownership and validate the alleged debt. 

2. Balance Discrepancy : The reported balance of {$23000.00} is inconsistent with the original balance and payment history. Provide documentation to substantiate the balance, including an itemized statement. 

XXXX. Date Inconsistency : The Date Opened is listed as XX/XX/year>2024, but this conflicts with my records. Please validate the accuracy of the date. 

XXXX. Incomplete Data : The Terms field is listed as 0 % and the Monthly Payment field is blank, which is incomplete and misleading. 

Per the Fair Credit Reporting Act, the credit reporting agency must ensure all reported information is accurate and complete. I also refer to XXXX v. Equifax Credit Information Services , XXXX, which underscores the importance of accuracy in consumer reports. If this account can not be fully verified or corrected, it must be removed from my credit report immediately. 

Requested Action : Conduct a thorough investigation into the disputed information. 
Provide verification and documentation from the data furnisher ( XXXX XXXX  or subsequent debt buyer ). 
Remove or correct all unverifiable or inaccurate information. 

Please resolve this matter within the 30 days required by law and send me a written response with the results of your investigation. If you can not verify the accuracy of the disputed information, I demand that this account be REMOVED from my credit report. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: MI

Complaint narrative:
I am writing to dispute the accuracy and completeness of an account on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information below contains inaccuracies that I request you investigate and correct or remove immediately : Disputed Account : Original Creditor : Synchrony Bank Account Type : Debt Buyer/Collection Date Opened : XX/XX/year>2024 Balance : {$23000.00} ( as of XX/XX/year>2024 ) Status : Collection account, {$23000.00} past due as of XX/XX/scrub> 2024 Reasons for Dispute : XXXX. Inaccurate Ownership : The account is listed as a debt buyer account, which does not align with my records. Please verify the account ownership and validate the alleged debt. 

XXXX. Balance Discrepancy : The reported balance of {$23000.00} is inconsistent with the original balance and payment history. Provide documentation to substantiate the balance, including an itemized statement. 

XXXX. Date Inconsistency : The Date Opened is listed as XX/XX/year>2024, but this conflicts with my records. Please validate the accuracy of the date. 

XXXX. Incomplete Data : The Terms field is listed as 0 % and the Monthly Payment field is blank, which is incomplete and misleading. 

Per the Fair Credit Reporting Act, the credit reporting agency must ensure all reported information is accurate and complete. I also refer to XXXX v. Equifax Credit Information Services , LLC, which underscores the importance of accuracy in consumer reports. If this account can not be fully verified or corrected, it must be removed from my credit report immediately. 

Requested Action : Conduct a thorough investigation into the disputed information. 
Provide verification and documentation from the data furnisher ( XXXX XXXX  or subsequent debt buyer ). 
Remove or correct all unverifiable or inaccurate information. 

Please resolve this matter within the 30 days required by law and send me a written response with the results of your investigation. If you can not verify the accuracy of the disputed information, I demand that this account be REMOVED from my credit report. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
On XX/XX/XXXX a booked a room at a hotel in XXXX XXXX, XXXX XXXX. Two days later, the hotel charged me a second time for the same room. I contacted both the hotel and the credit card company to indicate that I had been incorrectly charged twice for the same hotel room. After many, many calls to the credit card company and the hotel, the credit card company ended up reversing both charges in XXXX, but then reversed the credit in XXXX charging me for the room, although I had cancelled the reservation due to all of the issues I was having. In talking to the hotel, they said they would be happy to cancel the reservation or issue a refund, but that they never received the payment from Citibank. Citibank can not seem to understand that I should not be charged for the hotel stay because the reservation was cancelled. They insisted that I pay the charge in my XXXX statement and that they would issue a credit when the issue was resolved. I recently received a letter from Citibank stating that the issue was resolved and that I would NOT be receiving the credit, even though I didn't stay there and the hotel never received a payment from Citibank.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MA

Complaint narrative:
This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

XXXX XXXX XXXXAccount-XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Santander account XXXX XXXX-XXXX XXXX XXXX XXXX and also these inquirires addreses and names not associated with me XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Credit reporting bureau that's reporting inaccurate information for late payments and close accounts. 
XXXX XXXX XXXX XXXX -Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Account # XXXX XXXX Acct # XXXX All reporting on my credit report late payments and closed, and sold to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: DC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: SC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
My waste collection bill ( XXXX ) was sent to collections ( Coast to Coast Financial Solutions ) for {$350.00} ( Reference # : XXXX ). I had been unable to access my online account to pay my bill and had been going back and forth with XXXX to resolve the issue. Coasts to Coasts letter said to call or write by XX/XX/year>23 to dispute the debt. I wrote before XX/XX/year>23 to dispute the debt as instructed, and requested additional information. 

The letter stipulated that if I wrote before XX/XX/scrub>/23 they must stop collection until they sent the requested information. Despite filing the dispute via the proper channels they went ahead with collections. Despite attempting to follow up with additional written letters, by phone, and their online contact form, I received no follow up or response from Coast to Coast Financial Solutions. I was never able to get in touch with any representative from the company after multiple attempts, they were completely inaccessible. 

Additionally despite having until XX/XX/year>23 to dispute and resolve the issue, the collection was reported to the credit bureaus PRIOR to XX/XX/scrub>/23, and showed up on my credit report by XXXX/XXXX/23. 

They failed to follow the proper process as outlined in their notification, failed to provide additional information about the collection, neglected to ever respond to me, and should not have sent notification to credit bureaus before the stipulated date. Due to the complete lack of response and concern for my credit I paid the amount, but credit collectors need to be accountable to someone. Lack of transparency and communication at the expense of my credit is a threat through negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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:
When I checked my credit report this morning, I was shocked to find inaccurate accounts listed. I routinely monitor my report, and this time I saw discrepancies that appeared without warning. I even refreshed my browser to see if it was an error, but the accounts didnt go away. This situation is incredibly frustrating, and I am asking for the documents I submitted to be reviewed carefully to ensure this issue never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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:
My account is over 11 years old yet Trans Union is only using four years and two months for history to determine my payment percentage, which is making my payment percentage much lower than it should be because youre only looking at lets say 50 months worth of payments versus maybe 130 months worth of payments, so of course the three payments that were late payments is a much lower percentage when youre counting 130 months versus only 50 months I believe they are intentionally keeping my payment percentage is low

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPT . OF EDUCATIO # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : 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 2024-11-28 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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