vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date of XXXX SS # XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies TXXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry:XXXXXXXX Please remove it from my credit report. 







I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2025-02-19 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
I keep getting false credit reports. This company has falsely said I owe them more than XXXX times. I disputed these claims and was absolved on every collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was looking for a house to rent through the website XXXX and on XXXX XX/XX/XXXX, I found out the house, which located in XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ). After leaving my information, the guy whose name is XXXX contacted me. He considered he was a landlord of the house, asked me to pay XXXX $ for application fee/ person ( i paid XXXX $ for XXXX ). After that, I filled the rental application form and lease agreement. From XX/XX/XXXX to XXXX, he asked me to pay a security deposit XXXX XXXX 3 months payment of my rental ( XXXX $ ) + 3 months of utilities fee + 1 year rental insurance ( XXXX $ for both ). I used wire transfer from Wells fargo and chase account to do it. He didn't let me see the house or meet up in person. He always told me that i dont need to pay anymore for now after all of my payment and promised for the appointment to meet up. However, his wife contacted me after that and asked for XXXX more month of payment. He required me to do that if i want to keep my lease. I right now felt it was a scam because they kept asking me transferring money non stop. I called the bank to report a scam. His phone number ( XXXX ) is XXXX his wife phone number ( XXXX XXXX : XXXX After 10 days reporting the bank, Wells fargo XXXX not accept my inquiry! ( I lost XXXX $ sine i used XXXX to transfer money ). I am still waiting to hear from XXXX! They are so helpless!

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 2025-02-19 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: NE

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an alleged collection account reported by Jefferson Capital Systems XXXX XXXX XXXX XXXX and XXXX  failure to require proper validation. 

I first received a letter from the collection agency around XXXX XXXX, in which they alleged that I owe a debt. In response, I exercised my rights under the FDCPA and requested validation. The collection agency provided some documentation about the alleged debt ; however, the bill of sale does not reference the specific account they claim belongs to me, nor does it provide a clear chain of assignmentboth of which are necessary to establish their legal right to collect. 

Due to this lack of sufficient validation, I sent a letter in XX/XX/XXXX requesting that the collection agency remove this unverified account from my credit report. As of today, they have failed to respond. Despite this, XXXX has marked the debt as validated without requiring the collection agency to provide proper documentation proving that this alleged debt belongs to me. 

I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) because : The collection agency failed to provide proper documentation proving ownership of the alleged debt. 
XXXX reported the debt as validated despite the lack of sufficient proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I am filing a complaint against Transunion for not failing to properly investigate my disputes.l regarding inaccuracy in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Transunions actions may also contravene Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX I am requesting Transunion remove these items from my credit report, immediately.

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 2025-02-19 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-19 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-19 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: TX

Complaint narrative:
I am writing to formally dispute an item on my credit report that does not adhere to the guidelines set forth under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found that certain information is not being reported with the maximum possible accuracy, which is a direct violation of the FCRAs requirements for fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
All of my personal information has been exposed on the database, causing me to have inaccurate charges on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I am writing to formally dispute an item on my credit report that does not adhere to the guidelines set forth under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found that certain information is not being reported with the maximum possible accuracy, which is a direct violation of the FCRAs requirements for fair and accurate credit reporting.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash didn't protect my account after fradulant charges occured in my account and money came up missing and I couldn't get in touch with anyone at cashapp to helpr. They haven't released the documents showing all of the FRADULANT charges that I had to pay for. Now there is a lawsuit about this against them but I'm not included because cash app has not paid me, sente notification or anything related to this lawsuit. That I should be included as a plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
I am filing a complaint against Experian for not failing to properly investigate my disputes.l regarding inaccuracy in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experians actions may also contravene Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : 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 2025-02-19 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: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-19 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: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
This account is not mine, and I have no affiliation with it in any way. It seems that there has been a mix-up with my information, and I am requesting that you thoroughly investigate this matter and delete this inaccurate data from my credit report immediately. As you know, under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that the information reported on my credit file is both accurate and relevant. The presence of this unknown account is a violation of those standards and must be corrected without delay.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XXXX, I sent a verification letter to LVNV Funding LLC c/o Resurgent Capital Services requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. Legal authority to collect in Michigan : I requested proof that they are legally permitted to collect this debt in the state of Michigan. Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Although the collector responded within the required 30-day window, their response was limited solely to screenshots of my account dashboard from the original creditor. They did not provide any of the requested detailed payment history, documentation of their authority to collect the debt, proof of my liability, legal authorization for collection in Michigan, or information on the age of the debt. Because the response is incomplete and fails to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureaus, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Urgent Assistance Needed Account Closure Dispute I hope this message finds you well. I am reaching out as a last resort regarding the sudden closure of my Chase account due to an alleged claims abuse. My name is XXXX XXXX, and I strongly believe this was an internal mistake. 

Around XXXX, I had a few transactions that required investigation. XXXX was holding funds that were supposed to be returned to my account, and a XXXX XXXX XXXX claimed to have delivered items that I never received. I attempted to resolve the issue directly with the company, but they directed me to XXXX. When I contacted Chase for assistance, I was informed that the dispute was between me and the merchant because the company had provided proof of deliveryeven though I never received the items. I ultimately accepted the loss and moved on. 

Several weeks later, I attempted to purchase a new computer from XXXX for {$5000.00}. Initially, the payment was accepted, but then it was refunded due to a billing address mismatch. To avoid further complications, I transferred the funds to my boyfriend so he could complete the purchase on my behalf, which went through without issue. However, a few days later, I noticed a pending {$5000.00} charge from XXXX on my account. Concerned, I contacted Chase, and they assured me it was likely a temporary hold that would fall off. I asked them to make a note to monitor the charge just in case. XXXX also confirmed via email that the refund had been processed. 

Once the charge disappeared, I assumed the issue was resolveduntil I received a letter stating that my account was permanently closed due to claims abuse. I immediately contacted Chases claims department, and they acknowledged that the {$5000.00} charge still appeared as a claim on their end, even though it had already been removed from my account. They assured me it was a mistake and advised me to visit a local branch to have my account reinstated. However, despite the branch managers efforts and multiple calls, I was repeatedly told that Chase would not allow me to bank with them again. 

I am devastated by this decision, as I have always valued my relationship with Chase and have never acted in bad faith. This appears to be a serious misunderstanding, and I am hoping you can help me resolve it. I would greatly appreciate any assistance in reinstating my account. 

Thank you for your time and consideration. I look forward to your response. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation