vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Equifax has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were place

d on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-21 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: WA

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

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

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

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2025-02-22 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: TX

Complaint narrative:
I made a purchase from XXXX XXXX XXXX XXXX using Klarna as the payment method on XX/XX/2025. On XX/XX/XXXX the merchandise was received damaged. I filed a claim with XXXX XXXX the same day and they refunded my money back to XXXX on XX/XX/2025. The refund has still not been credited back to my credit company Klarna by XX/XX/2025 so they advised to file a dispute. Klarna states they received a response back from XXXX XXXX XXXX XXXX XXXX that no refund is owed, even though XXXX has received the refund back from the merchant. In speaking with XXXX reps and their management they state they are entitled to keep the refund from the merchant, as well as the payment from my credit card, even though the merchandise is damaged and worthless, due to their house rules. XXXX has been every clear they intend to keep both the refund and the payment from my credit card regardless of the fact this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
In 2020, Chase approved me for a {$5000.00} XXXX XXXX card with a XXXX credit score, which I believe was predatory given the 20.24 % APR and {$95.00} annual fee. Ive paid ~ $ XXXX in interest plus late fees for 5 yearsover {$5000.00} totaland my balance remains high. Minimum payments barely touch principal, and terms werent clearly explained. This feels like a violation of fair lending practices under the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I keep getting repeated collection attempts by way of text msgs, I've tried to tell them to stop messaging me because they've already reported on my credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
IN XXXXXXXX XXXX XXXX XXXX.. ..IT WAS REPORTED ON XXXX DIFFERNT CREDIT BUREAUS I WAS LATE WITH MY PAYMENT DUE ON AUTO LOAN WITH XXXX XXXX  ... XXXX XXXX REPORT WAS REPORTED XX/XX/year> LATE ... ..THIS IS NOT ACCURATE ... ..I WAS REPEATEDLY TOLD IT WAS NOT THEIR FAULT THAT THE MAIL WAS SLOW AND IT WAS DUE TO NO FAULT ON THEIR PART THEY REPORTED THE PAYMENT LATE/PAST DUE ... ..THEY COULD NOT CONTROL THE MAIL ... ..ESPECIALLY DURING THE XXXX XXXX RE : THE XX/XX/year> PAYMENT ... ..THEY WOULD NOT GIVE ME ANY IDEA WHEN THEY RECEIVED THE PAYMENT ... ..HOWEVER JUST 2 DAYS AFTER MAKING THIS/ANOTHER PAYMENT VIA TELEPHONE ... ..THEY INDEED PROCESSED THE MAILED PAYMENT SENT FROM MY BANK... ..I HAD TO CANCEL THE PAYMENT BECAUSE OF THIS ... XXXX PAYMENTS FROM MY BANK WERE ON TIME WITH NO ISSUES PRIOR TO THIS XX/XX/year> PAYMENT ... ..LASTLY IN XXXXXXXX XXXX XXXX ... XXXX REQUESTED XXXX XXXX  TO INVESTIGATE PHONE RECORDS OF ALL THE TIMES I CONTACTED THEM IN AN EFFORT TO TRY AND NOT RECEIVE A LATE PAYMENT REPORTED TO THE BUREAUS! NEITHER WOULD THEY TELL ME WHEN THEY RECEIVED THE PAYMENT ... ..AND I SEVERAL TIME INQUIRED IN AN EFFORT TO TARGET THE ISSUE OF THEIR UNTIMELY PROCESSING OF THE PAYMENT DUE TO AN INFLUX OF OTHER LOAN PAYMENTS OR FOR ANY OTHER REASON THAN IT WAS PROBABLY DUE TO HOLIDAY MAIL ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-21 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: MA

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 2025-02-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX 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 XX/XX/XXXX -- {$280.00} XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX # XXXX XX/XX/XXXX -- {$980.00} XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXXT # XXXX XX/XX/XXXX -- {$2900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/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 2025-02-21 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: NJ

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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. XXXX ( A ) ( XXXX ) 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account has been a victim of fraud. Its a business account and I have complied with everything. Chase has directed me to do. There are two more transactions that are fraud that they are refusing to return into my account. One is an out of state a CH charge or gas station that was not me. They can clearly see by my banking history that all my purchases are done by debit in XXXX XXXX XXXX XXXX  And any ACH payments that come out of my account are limited to three. The kind of payment came out of my account for XXXX I never ever have made a kind of payment for that much. I have contacted XXXX XXXX office. Spoke to XXXX and they are reopening it with no guarantee. This is not fair and unwarranted. They they told me that I have to go after the merchant who I dont even know and only information I have is gas station in XXXXXXXX XXXX XXXX  and then if I want any document that they have, I have to get a subpoena. I never authorized any ACH payments for that gas station and I did not authorizethe other fraudulent charges that they have returned. They asked me to go into the branch and get a new account because this was compromised I can not do that because my account is a negative balance and when I ask them to put a stop payment XXXX, who I dont even use his insurance they never did it and the vendor hit my account again. This is gross negligence on the part of Chase Bank. I want the last 3 fraud charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my mental health and it's also been days I've been having sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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 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 XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: WA

Complaint narrative:
I am a victim of identity theft. The following are fraudulent accounts on my credit report that need to be removed immediately. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX {$7500.00} Opened XX/XX/XXXX, Transfered/Closed. 
XXXX. XXXX XXXX. {$29000.00}. Opened XX/XX/XXXX. Charged Off.

3. XXXX. {$2200.00}. Opened XXXX XXXX XXXX 
XXXX. XXXX XXXX. {$450.00}. XXXX XX/XX/XXXX. Charged off. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. {$2500.00}. Opened XX/XX/XXXX. Charged off. 
XXXX. XXXX XXXXXXXX XXXX. {$15000.00}. Opened XX/XX/XXXX. Charged Off. 
XXXX. XXXX XXXX. {$8500.00}. Opened XX/XX/XXXX. Charged Off. 
XXXX. XXXX XXXX. Paid. Opened XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX. {$270.00}. Opened XX/XX/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 2025-02-22 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:
I am absolutely shocked and frustrated by this situation. As a law-abiding citizen, it is beyond insulting to have my rights as a consumer so blatantly violated. My credit report contains fraudulent items that I have never benefited from, and despite taking the proper steps by reporting this to the Federal Trade Commission, these false accounts remain. This ongoing issue is causing me overwhelming stress and anxiety, and it is unacceptable that I continue to suffer the consequences of someone elses wrongdoing.

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 2025-02-21 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 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 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 2025-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CARDS XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX Experian XXXX BANK XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section XXXX, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section XXXX, inquiries that can not be verified must be deleted. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section XXXXA mandates the removal of unauthorized inquiries that XXXX be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the XXXX permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

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