vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
I am writing to formally dispute the negative account reporting associated with my name and/or account number XXXX " L J ROSS ASSOCIATES

'' Which is an utility account for an address that I NEVER LIVED AT and you have removed the address but not the account, This account has been inaccurately reported on my credit file for a few months now! I have disputed with credit bureaus as well as

call collectors and nobody is helping me treating me like a scammer or that I am lying! I want is removed ASAP I am a single young mother and about to be HOMELESS because I can apply to a house with this. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, you
are liable for civil damages for negligence when failing to comply with the requirements of the FCRA. I have repeatedly requested, in good faith, that you provide proof of the negative account information. Your failure to respond appropriately within the legally mandated time frame demonstrates non-compliance with federal law and constitutes negligence. 
Please consider this letter formal notice under 15 U.S.C. 1681o. I request a response to this dispute within the legally mandated time frame, along with verification of any actions taken to remove or correct this information. 

Thank you for your prompt attention to this serious matter. I expect resolution of this issue within 30 days, and I request that all further communication be in writing to the address provided above.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Regardless of all my submissions, XXXX will respond in less than 48 hours stating the account is accurate, or has been updated without providing any evidence that the account was investigated. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceedings ( File No. 2025-CFPB-0002 ), against them in similar violations. I request that the CFPB ensures that XXXX complies with the Federal Law, and provide proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : 1. XXXX XXXX XXXX, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by Equifax and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within 30 days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : 1. XXXX XXXX XXXX, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by Equifax and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within 30 days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : 1. XXXX XXXX XXXX, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by Equifax and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within 30 days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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've recently reviewed a copy of my credit report and noticed I have an fraudulent account on my report. I am not liable for these debit. I do not have a contract with said creditors, they did not provide me with the original contract as I requested. Please remove these accounts from my report they are hurting ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
I've recently reviewed a copy of my credit report and noticed I have an fraudulent account on my report. I am not liable for these debit. I do not have a contract with said creditors, they did not provide me with the original contract as I requested. Please remove these accounts from my report they are hurting 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. There are incorrect late marks being reported on my credit history that are inaccurate. 

1. XXXX XXXX XXXX - reporting 1 late mark from XX/XX/XXXX. This late mark is inaccurate. All payments are made on time. 

2. XXXX XXXX XXXX - reporting late marks in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. Also reporting late marks in XXXX and XX/XX/XXXX. 

This is incorrect information. I have never made a late payment to these auto loans. I have contacted both credit lenders and they are refusing to help me. This is hurting my credit report and preventing me from applying for any loans. This 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 2025-02-06 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: CA

Complaint narrative:
I am reporting a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. There are incorrect late marks being reported on my credit history that are inaccurate. 

1. XXXX XXXX XXXX - reporting 1 late mark from XX/XX/XXXX. This late mark is inaccurate. All payments are made on time. 

2. XXXX XXXX XXXX - reporting late marks in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. Also reporting late marks in XXXX and XX/XX/XXXX. 

This is incorrect information. I have never made a late payment to these auto loans. I have contacted both credit lenders and they are refusing to help me. This is hurting my credit report and preventing me from applying for any loans. This information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX service. 

I request the removal of the following types of negative information from my credit report : Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Please remove the following Inquiries : XXXX XXXX XX/XX/XXXX I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX service has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control.

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 2025-02-06 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Monday XX/XX/year> I spoke with XXXX XXXX in regards to a letter I had received stating that if I paid 50 % of my debt owed it would result in deletion off my credit, as long as the payment was made by XXXX XXXX  CST. That if I did not pay it, they would report to the credit bureau as a refusal to pay. I made the payment online and received a confirmation email, I noticed the funds were not removed from my account. I called again Wednesday XX/XX/XXXX and spoke with a young man who yelled at me to pay the full balance owed or my credit report would be marked as refusals to pay once again, I was then hung up on. I call back and end up speaking with XXXX XXXX again who agreed to take my payment for the 50 % of my debt owed, amount owed that was honored was XXXX. I provided my card number and it was unable to process and case notified him not to honor. I was told if I go to XXXX, pay with a XXXX, call back before XXXX XXXX  with a reference number, they would notate my account paid in full with the credit deletion off my reports, with a letter sent to me via email. I do have the call recorded. I made my payment by XXXX at XXXX XXXX, I called back and spoke with my XXXX XXXX and told her I would like to provide the reference number for my payment, as I was told to do, I was advised my account was restricted, that I would have to email XXXX XXXX directly and wait for him to contact me as he was my account specialist.

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 2025-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was contacted by my accountant, who informed me of a suspicious withdrawal from my XXXX ( JPMorgan Chase ) account. The withdrawal occurred on XX/XX/XXXX, and amounted to {$1700.00}. Prior to this, I was not aware of the transaction. 

Given the nature of a XXXX account, I understand the penalties associated with withdrawing money from this account and therefore do not normally pay close attention to it, as I have no need to use these funds. 

On XX/XX/XXXX, I called XXXX XXXX customer service to verify the withdrawal information. Upon inquiry, I learned that the bank account number and the bank name to which the money was transferred do not belong to me. I expressed my concerns, and the representative informed me that such a withdrawal would require my employer 's approval. However, there was no document in the system to support this transaction.

Company response to consumer: Closed with explanation