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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Billing Inquiries and Customer Service po box XXXX XXXX XXXX, SD XXXX Re : Citi XXXX XXXX XXXX  ending XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NH {$110.00} Help! The above transaction was not mine, and your phone teams have proven utterly incapable of even marking it as a disputed amount. I am not a XXXX XXXX member, so I can not renew, and if I were a member I would certainly use the XXXX XXXX less than five miles from my home. On XX/XX/XXXX I used my card at a grocery store here in XXXX. How could I be in New Hampshire the same day? 

I appeal to you to credit the amount while this dispute is investigated and to cease charging interest on the process. 

Complete Chronology On XX/XX/XXXX, my bill included a similar {$110.00} XXXX XXXX charge. For reasons identical to those above, I disputed it and it was eventually ( too slowly ) forgiven. 
CITI ERROR # XXXX : you did not issue me a new card number at that time. 
CITI ERROR # XXXX : theres no evidence you contacted XXXX XXXX to cancel that membership. 

On XX/XX/XXXX, the new {$110.00} XXXX XXXX charge appeared on my bill. On XX/XX/XXXX I phoned, getting a XXXX, who did send a new card. 
CITI ERROR # XXXX : she disputed the {$10.00} grocery bill, not the {$110.00} fraud. 

When I got the bill showing this, I phoned on XX/XX/XXXX trying to correct matters. Theres no evidence they did anything. 

On XX/XX/XXXX I received your letter of XX/XX/XXXX saying Were looking into the dispute. 
CITI ERROR # XXXX : the letter doesnt specify the exact dispute, so I couldnt correct your error. 

On XX/XX/XXXX I received my bill showing no dispute on the {$110.00} and phoned the next day, running into cutoffs and passing around to various persons. The final person, a XXXX with a male voice, said the credit would appear in 7-10 days and I could dispute the interest later. I see no evidence that this has happened. 

On XX/XX/XXXX I received your letter of XX/XX/XXXX stating that the XXXX credit was permanent. 
CITI ERROR # XXXX : once again youve worked on the wrong item. 

On XX/XX/XXXX I phoned again spending over half an hour before I was cut off from XXXX in Billing Disputes, who never bothered to call back. 

Between static on the phone lines, rapid accented English, cutoffs, and apparent gross incompetence, your XXXX help center appears worthless to me. 

If Error # XXXX had not occurred, this might have been settled by now. Surely you must have a procedure to correct a wrong entry by your first contact. Where is it? Please contact me. 

Yours truly, 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 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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 


Experian : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Please provide the names and business addresses of everyone with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
EXPERIAN has continued to report false information against me through and according to XXXX that has kept me from getting decent employment since XXXX. Briefly I successfully sued XXXX which is all the same company owned by XXXX XXXX about XXXX for false information so now they say they are reporting information from EXPERIAN which is true because EXPERIAN has continued to report and re-report about 40 pages of previous incorrect addresses with a note : " moving around a lot suggests evasion of debt. '' I can send these pages if given a CFPB email but your attachment window will only take XXXX. Experian refused to remove the negative reporting despite the law that negative information can not be reported for 26 years ( it was 7 ). EXPERIAN also has my file mixed with XXXX XXXX who works at XXXX XXXX in XXXX Alabama, they even has his email address at Spire Gas in my file. In XX/XX/XXXX XXXX XXXX sent me a low rate for renewing my homeowners/ automobile insurance. When I called them to discuss it they doubled the quote and sent me a notification that the low price was withdrawn due to my XXXX report XXXX XXXX says is from Experian. Experian has cost me {$63000.00} yearly in job earnings since XXXX and XXXX XXXX even admitted this report caused my job offer to be withdrawn. {>= $1,000,000} has been lost in job earnings since EXPERIAN reported numerous false addresses and other mixed-file-Birmingham data to XXXX XXXX XXXX has now refused to provide my current EXPERIAN report in a safe manner that will not put my ss number on the internet which XXXX and XXXX have continued to cause identity theft and been fined for such breaches but still continue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX cell/ 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 — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
This is a XXXX party debt collector called Harris and Harris lts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are using a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send these letters to me and keep harassing me for a doctors bill from XXXX. i have told them multiple times that i have reduced income and would like to wither settle or work with me on a reduced payment plan and they refuse to do so, they keep calling and keep on using abusive language but then hang up on me and call again on week ends and week days, i told them to cease and desist the number but they are now calling my work number and also leaving messages for me they have also obtained my info on linked in and are now sending letters

Company response to consumer: Closed with explanation
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: CL Holdings LLC
State: MD

Complaint narrative:
Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear Jefferson Capital Systems LLC, I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : 1. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt.

2. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ).

In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights.

Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information.

2. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations.

3. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts.

As per 15 USC 1692k, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.

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: GA

Complaint narrative:
My right to privacy is protected under laws enacted by XXXX to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2025-01-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
I hope this email finds you well. I am reaching out to address a critical matter regarding the recent refinancing of my car from XXXX to XXXX XXXX. Following the completion of the refinancing process and the dispatch of the check to XXXX, an unforeseen discrepancy has arisen, leading to significant financial and credit implications. 

It has come to my attention that, despite the issuance of the check to XXXX, the finance companies involved failed to credit the payment to my account appropriately, resulting in an outstanding balance being incorrectly reported. This oversight has regrettably led to an erroneous late payment notation on my credit report, causing a substantial decline in my credit score. 

Upon discovering this issue, I promptly contacted XXXX XXXX to seek resolution, and they have acknowledged the error and agreed to remit the outstanding amount to Bridgecrest. However, it is disconcerting to note that Bridgecrest failed to communicate any outstanding balance to me, leading to this unfortunate situation. 

Moreover, during a review of the payment records, it has become apparent that Bridgecrest still shows a payment overdue from XXXX, despite the car loan being fully settled following XXXX XXXX XXXX request for a 10-day payoff. The persistence of this erroneous information further exacerbates the impact on my credit score due to the unjustified late payment recording. 

I wish to emphasize that the late payment and subsequent credit score decrease were in no way attributable to any negligence on my part but rather resulted from the mismanagement of the payment process by the finance companies involved. Therefore, I urgently seek your assistance in rectifying this matter and ensuring that my credit report accurately reflects the resolution of this issue.

I kindly request a prompt investigation into the discrepancies outlined above and the necessary actions to correct the erroneous late payment notation, as well as the overdue payment status from Bridgecrest 's records. Your immediate attention to this matter is greatly appreciated, as it is imperative to restore the integrity of my credit profile in a timely manner.

Thank you for your understanding and cooperation in addressing this urgent issue. I look forward to your prompt response and the resolution of this matter at your earliest convenience.

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

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 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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See attached documents XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX Credit on XX/XX/XXXX under the account number ( private ), a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX XXXX on XX/XX/XXXX under account number ( private ), a lease installment account with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$890.00} ( private ) that appears related to the aforementioned unknown account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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: MD

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding fraudulent information on my credit report as a result of the XXXX data breach. My personal information was compromised, leading to the appearance of fraudulent accounts on my credit reports from all three credit bureaus ( XXXX, XXXX, and TransUnion ). 

To address this issue, I sent certified letters to each credit bureau requesting verification of these accounts. Specifically, I asked for signed contracts or documentation proving my agreement with the listed creditors. Despite following the proper dispute process, the credit bureaus failed to provide this verification within the legally required timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). 

These fraudulent accounts are negatively impacting my credit and preventing me from securing housing, causing undue stress and hardship. The lack of response and resolution from the credit bureaus has left me with no other choice but to escalate this matter. 

I kindly request the following : XXXX. Removal of all fraudulent accounts from my credit reports. 
XXXX. Confirmation of compliance with FCRA requirements to investigate and verify disputed information. 
XXXX. Assurance that my credit report is updated to accurately reflect my financial history. 

I appreciate your assistance in addressing this urgent matter. Please let me know if you require additional documentation or information to support my case.

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