vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 th
ey are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
I assert that I do not owe any debt to the aforementioned creditor or collection agency and believe that my rights under federal law have been violated. The following regulations have not been adhered to : 1. 12 CFR 1006.34 ( bX5 ) : This regulation requires that the debt collector provide the name of the current creditor to whom the debt is owed. The information I have received does not comply with this requirement, and I am questioning the validity of this account. 2. 12 CFR 1006.34 ( c 4X ) : The regulation mandates that debt collectors clearly communicate the consumer 's right to dispute the debt. This was not adequately communicated to me, which is a violation of my rights. 3. 12 CFR 1006.34 ( d ) : Debt collectors are required to provide validation information within five days of initial communication. I have not received proper validation of this alleged debt, as required by law. 4. 15 USC 1681-S2 ( 7XA ) : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy and completeness of the information provided to credit reporting agencies. The information reported in this case is inaccurate and incomplete

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On the day I filed my taxes through XXXX XXXX, I used their option to go through credit karma like I do every year. As soon as my refund was accepted, credit karma froze my account and sent an email saying there was suspicious activity on the account and for me to call the number listed to get it fixed. When I called the number, they told me they couldnt give me any information and that I needed to just wait until their resolution team emailed me. I told them I never received an email. I called multiple other times to try and get someone higher up on the phone to speak with but every time they told me they couldnt help or give me any information and for me to continue to wait for an email. About a week or XXXX later I got an email saying they closed down my account completely. Never got any type of email or phone call from resolution like I was promised. My tax refund is set to deposit into that account and now that they closed it I will not receive my return for who knows how long! I am so angry at the lack of notice. Its not right that they can do this. They could have waited until I got my refund before closing it. I never got an email from anyone at CK. I paid extra with turbo tax just to receive my refund early on credit karma. My account wasnt negative because they transferred my remaining balance to my bank account I had connected with them. They even sent an email saying they made attempts to contact me and that is a lie. They never even responded to my emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NH

Complaint narrative:
I do not know what organization " XXXX XXXX '' is. I'm unaware of any agreement I've made with XXXX XXXX and have not been provided with a copy of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMCB AUTO has written off a debt that they claim is mine, if in fact this is my debt ( which is not ) why was I not sent a 1099C to claim on my taxes? The debt is showing as written off and needs to be removed from my credit report. Under FCRA law this inaccurate information about a debt such as reporting incorrectly reporting a charge off while claiming i owe a debt. Reporting to the IRS as a charge and still claiming this debt is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks

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 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have a collection account on my credit report. I found it a month ago when I was auditing my credit report that I do once a year. It states that this company CCS Companies credit collection has an amount due of {$290.00} from XXXX. I have cancelled this car insurance then I transferred to another company. This company then sent an amount to collections, this is a deceptive business practice. I find this collection on my credit report months later, there is no notification nor answer from the collection company. This is incorrect, I never received mail regarding this issue. The company has failed to notify me, nor allow me to dispute this within the 30 day period. I have attempted to call the company, Sent mail, no response. There is no email address. The automated system just says that someone will be with you in about 3 minutes but on hold for hours, attempted for several weeks on different days and times to call this company. This is done to increase the amount owed and prevent dispute. This company did not due its due diligence in notification or verification of amount owed. 
I have called this number below which I found on my credit report then XXXX  to find their website. They are purposely not answering their phones to prevent communication with customers : If you believe you have a collection account with this office, please call : Credit Collection Services : XXXX x XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AL

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Experian for failing to remove a charged-off account from my credit report, despite clear proof that the balance was paid and that the creditor stated they would no longer report activity. This is a violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], which requires credit bureaus to report only accurate and verifiable information. 

Issue Summary : Creditor : XX/XX/XXXX Account Type : Credit Builder Loan Date of Charge-Off : XX/XX/scrub> 2025 Date of Payment : XX/XX/year>2025 Amount Paid : {$70.00} Credit Bureau Involved : Experian On XX/XX/year>2025, I paid off my balance in full, as confirmed by : 1. A bank transaction from my account showing the payment to XXXX XXXX. 
2. An official email from XXXX XXXX confirming receipt of my payment and stating that once fully posted, we will no longer report activity on your report. 

Despite this, Experian continues to report this account as a charge-off, which is false and misleading since the balance was paid before the charge-off could be finalized. 

Experians Violations of FCRA : 1. Reporting False Information The charge-off is inaccurate, as my balance was paid in full before the final reporting.

2. Failure to Conduct a Proper Investigation I provided proof in my dispute, yet Experian failed to correct the information.

3. Creditor Stated No Further ReportingXX/XX/XXXX stated they would stop reporting, but Experian has not honored this agreement.

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 2025-02-20 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Subject : Request for Removal of Compromised Information ( Section 605 ( b ) ) To whom may it concern : I am requesting the removal of specific information from my credit report under Section 605 ( b ) of the Fair Credit Reporting Act. This information was exposed in a data breach, compromising my personal details. I am a victim of identity theft and my information needs to be removed under Law 15USC1618, Section 605b, and Section 623 of FCRA. I also contacted XXXX and they have the incorrect birthdate listed under my information. Please investigate this matter and remove the compromised information to prevent continue potential misuse. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: WI

Complaint narrative:
I got a prepaid card for a settlement and when I got the virtual prepaid card I ordered a physical card it came in the mail but when it came n the mail it wasn't in a envelope so when I went to the website I seen purchases where made on my account I didn't make i disputed the transactions they denied my dispute said that they found inconsistency n my claim I asked how they also showed me the invoices to the places the purchases where made at but nothing else that's not proof that's just a invoice showing purchases were made well duh I don't need proof purchases where made what I need is my money back n proof I made those purchases which I didn't I even offered up access to my camera footage to show no trucks delivered anything to my house my footage lasted a month on the cloud and they said they didn't need it I have all emails case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX 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 # XXXX 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 2025-02-20 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: GA

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 2025-02-20 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: TN

Complaint narrative:
I have three collections with XXXX XXXX on my credit. 1st one is {$630.00}, the 2nd is {$270.00} and 3rd is {$340.00}. They have all been paid and my receipts are below. It was in agreement on XX/XX/year> that the collections would be removed, however they have not been removed from my report. Also, The collections for XXXX and XXXX XXXX are reporting on my credit multiple times and should also be removed as that is against fair credit reporting regulations as they all three say " purchased by another lender ''. I have disputed these reporting 's multiple times only to be told they would stay 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 explanation