vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: NY

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 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Sent letter requesting validation of the debt, asked the following questions : 1. A copy of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied.

3. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor.

4. Proof that I have a contract with ( collection agency name ) bearing my wet signature. 

amount of alleged debt {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Multiple " collection accounts '' for same " debt '' amount which appears on my credit report erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: DE

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Fraudulent account opened thru XXXX XXXX XXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.

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 2025-02-14 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-14 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: MO

Complaint narrative:
Subject : TransUnions Failure to Conduct Proper Investigations Details of the Complaint : I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) by issuing generic responses to my disputes without conducting a proper investigation. 

Here are the details of their responses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In each response, TransUnion did not verify the accuracy of the information reported on my credit file or confirm compliance with Metro 2 reporting standards. They appear to have relied solely on creditor-provided information, which is insufficient and violates 15 USC 1681i . 

I am requesting the CFPB to investigate this matter further, as TransUnion is engaging in a pattern of noncompliance with the FCRA. I demand that TransUnion : Conduct a thorough investigation into my disputes. 
Provide proof of their compliance with Metro 2 reporting standards. 
Remove any unverifiable or inaccurate information from my credit file. 
This ongoing issue is causing me harm, and I ask for immediate assistance in resolving this matter. 


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 2025-02-14 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: TN

Complaint narrative:
Fraudulent account opened thru XXXX  XXXX XXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.

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 2025-02-14 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: TN

Complaint narrative:
Fraudulent account opened thru XXXX XXXX XXXXXXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Fraudulent account opened thru XXXX XXXXXXXX XXXX. I contacted them to report the fraud also reported to the ftc. It still has not been removed.

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 2025-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems account open on XX/XX/year> to the original creditor XXXX XXXX XXXX  and it says I owe {$5300.00}. I have never stayed to this place and I believe my identity was stolen to get this apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: NM

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 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 2025-02-14 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: NM

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 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 2025-02-14 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: NY

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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 

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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am writing to express my deep dissatisfaction with the handling of our insurance claim funds following the damage to our home caused by XXXX XXXX. Our experience with LoanCare has been fraught with delays, miscommunications, and a lack of transparency, which has caused significant financial and emotional distress. 

Chronology of Events : Early XX/XX/year> : We mailed a check for {$100000.00} to LoanCare, intended for the rehabilitation of our home after it suffered XXXX inches of water damage on the first floor due to XXXX XXXXXXXX. 
XXXX XX/XX/year> : After numerous follow-up calls, we were informed that the check was processing. Subsequently, we received the same check, not endorsed by LoanCare, with instructions for us to sign and return it. There was no explanation provided regarding the handling of these funds, including whether they would be placed in an escrow account or if a new check would be issued. 
End of XX/XX/year> : Utilizing our prepaid mailer, we promptly returned the signed check to LoanCare. 
End of XX/XX/year> : We complied with LoanCare 's request to upload various documents, including the contractor 's license, XXXX form, proof of insurance, and the scope of work. 
XX/XX/year> : LoanCare contacted us, stating that the XXXX form was outdated ( not within the last year ) and therefore unacceptable. This notification came after an inspector from LoanCare had already confirmed 100 % completion of the rehabilitation work, which we financed entirely out-of-pocket. 
Current Situation : As of today, LoanCare continues to withhold the {$100000.00} insurance funds, despite the completion of all repairs and the submission of the required documentation. This withholding is unjust, especially considering that we have already borne the full cost of the repairs.

Impact : While we have managed to cover the repair costs, I am deeply concerned about other homeowners affected by similar disasters who may not have the financial means to do so. LoanCare 's convoluted and opaque process could cause undue hardship to many.

Requested Resolution : Immediate release of the {$100000.00} insurance funds to us.

A comprehensive review of LoanCare 's procedures for handling insurance claims to prevent future occurrences of such inefficiencies.

Clear communication and guidance for clients regarding the claims process, including detailed explanations of required documentation and timelines.

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 2025-02-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delivery date XX/XX/XXXX This package required a signature for delivery. At the time of delivery there was nobody home, therefore I am assuming it was either left outside or delivered to wrong address. I got home around XXXX that day and did not find anything at my door or at/ in mailbox. I tried to dispute with merchant and their response is that package was delivered correctly but not able to provide the proof of signature that was required to be obtained to leave the item. There is also no picture to prove that the item was delivered, if left outside. However, since this was a meet at door delivery and there is no signature ; then XXXX can not claim it was delivered correctly and I shouldnt be responsible for {$540.00}. If item was left outside. It was most likely stolen. Several attempts were made to dispute with XXXX, all were unsuccessful. They claim package was delivered successfully. I then proceeded to open a dispute with Amex. Numerous attempts were made and they concluded that XXXX successfully delivered the package based on time tracking evidence. I requested proof of signature or a picture to prove this but was sent the same automated message that merchant proved they did their part. I even submitted my time card as proof that I was not work until XXXX at the time of the delivery on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATTN : Midland Credit Management XX/XX/XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation To whom this may concern, I am writing to formally dispute the debt referenced by the account number [ XXXX ], which your agency is currently attempting to collect. I believe this information is inaccurate and must be corrected. As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of the debt. Specifically, I ask that you supply a copy of the signed contract or agreement. Please include a copy of my signature, as I have no recollection of agreeing to such terms or entering into any agreement with your agency. I have already requested validation of this debt in a letter dated XXXX. The details of the account in question are as follows : Midland Credit ManagementXXXX XXXX Account Number : XXXX Amount : {$1600.00} XXXX request a thorough investigation of this account and a correction of the information on my credit report. 
Please provide me with the following : XXXX. A copy of the results of your investigation into this matter. 
XXXX. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have XXXX days from receiving this letter to verify this item. Failure to do so within the XXXX-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section XXXX ( XXXX ) ( A ). 
Also, pursuant to 15 U.S.C. section XXXXi ( XXXX ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section XXXXj, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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. 

Account Name : XX/XX/XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : CAPITAL XXXX Account Number : 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 2025-02-14 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: NY

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. 

Account Name : XX/XX/XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : CAPITAL XXXX Account Number : 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