vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am Chase credit card holder. My card is ending in XXXX. 

XXXX. On XX/XX/XXXX an unauthorized transaction of {$190.00} by XXXX XXXX renewal appeared in my card. 

2. I reported this to chase. Chase made refund of {$190.00} and then issued me a new card. 

XXXX. On XX/XX/XXXX Chase rebilled me. Citing that is is authorized transaction. XXXX provided my email and IP address. Yes I did purchase {$69.00} from this merchant in XXXX  XXXX. 

However {$190.00} transaction was not authoried. 

Chase is doing unethical and illegal activity. 

Chase should refund me {$190.00} promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

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 XXXX XXXX XXXX. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: WI

Complaint narrative:
I have received repeated text messages from Unifin Inc about debt collection for around a month. These texts come from different phone numbers and it is unclear from the text messages if they are legitimate. I called Unifin and confirmed with them that I am not the person who they are trying to contact. I still receive text messages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I am filing this complaint because Experian continues to report a derogatory account from XXXX XXXX that is over XXXX XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ).

I previously disputed this account through Experian, but they refused to delete it and instead left it marked as closed. However, this account became delinquent more than XXXX years ago and is no longer legally allowed to be reported. 

XXXX  has already removed this same account from my credit report due to its age. Equifax is also in the process of removing it after I filed a separate CFPB complaint. 

Experian is the only bureau still refusing to comply with federal law. I am requesting that this matter be investigated and the account be permanently 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I received mail from XXXX saying I owe XXXX I have no contract and I dont know who they are and never heard of them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: PA

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 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 2025-04-17 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-04-17 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX : XX/XX/year> INQUIRY ACCOUNT NAME : LC BANK DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX * * RE : Account Verification & Information Request Regarding Account Number : Account Number XXXX Dear Portfolio Recovery Associates , LLC, This letter is to formally ask for verification of the accuracy and validity of the debt listed on my credit report under account number XXXX. I am requesting immediate verification and validation of this debt. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to complete and accurate information regarding this alleged debt. Therefore, I request the following documentation and information : 1. * * Verification of the Debt : * * * A complete copy of the original contract or agreement that created this debt, bearing my signature. 
* A detailed statement of all transactions, payments, and credits applied to this account. 
* An itemized breakdown of the current balance, including principal, interest, fees, and any other charges.

2. * * Validation of the Debt : * * * The * * date of first delinquency ( DOFD ) * *.

* The * * date of last payment ( DOLP ) * *.

* The * * date of charge-off * *.

* The * * name and address of the original creditor * *.

* A complete * * chain of assignment * *, demonstrating that Portfolio Recovery Associates , LLC, has the legal right to collect this debt. This must include all documents proving the transfer of ownership from the original creditor to your company. 
* Any and all documentation showing that Portfolio Recovery Associates , LLC, is properly licensed to collect debts in my state.

3. * * Additional Pertinent Information : * * * Any and all communications you have had with any credit reporting agencies regarding this account.

* The complete name and address of any previous collection agencies that have handled this account. 
* Any and all documentation that shows that you have complied with all state and federal collection laws. 
* Any and all data that you have used to determine the amount of the debt. 
* A statement of your internal policies regarding the collection of this type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: OK

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my XXXX XXXX but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-17 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: IL

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 2025-04-17 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: IL

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 2025-04-17 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - * * Name : * * XXXX XXXX XXXX XXXX - * * Date of Birth : * * XX/XX/XXXX - * * Social Security Number ( last XXXX digits ) : * * XXXX - * * Address : * * XXXX XXXX XXXX PL, Apt XXXX, XXXX, FL, XXXX * * Background : * * On XX/XX/XXXX, Experian Credit Bureau deleted the following information from my credit report : XXXX XXXX. 

* * Reinsertion Incident : * * Despite the clear provisions under Section XXXX ( B ) of the FCRA, which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that Experian Credit Bureau has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 

* * Impact : * * This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products.

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 2025-04-17 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: TX

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
These companies are placing the same bill on all XXXX credit reporting agencies multiple times That's illegal. Also these are not the original companies I have companies corantcts witj

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

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 2025-04-17 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I made a purchase for a device a XXXX XXXX the shipping information said delivered and it was no where to be found, after contacting the seller they werent helpful in any way. Didnt offer a refund or any kind of replacement. I have proof of not receiving it as the merchant filed a claim with XXXX shipping service for the device being stolen before I received it. Yet my dispute with Bank of America itself was denied. After calling XXXX they confirmed the device was registered to another persons name and locked upon request from the authorized dealer I got it from. 
The authorized dealer of the product is XXXX, I called XXXX to seek a replacement they told me to dispute through my bank.

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 2025-04-17 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Meta Payments Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX there are XXXX charges in question from Metapay XXXX XXXX all for {$15.00}, and XXXX charges on XX/XX/XXXX from Metapay XXXX XXXX all {$15.00} for a total amount of {$160.00}. I did not make these charges and I do not know either XXXX of those people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Suttell, Hammer & White, P.S
State: ID

Complaint narrative:
Suttell and hammer along with XXXX XXXX, attempting to collect a debt that is not mine. I have never signed for or have ever agreed to for any goods or services from either of these company 's.

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 2025-04-17 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:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

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