vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a reasonable investigation into my dispute, as required under the Fair Credit Reporting Act ( FCRA ). I submitted a dispute to Experian regarding inaccurate personal information, accounts with negative payment history, and unauthorized inquiries. However, instead of investigating the disputed items, Experian responded with a letter dated XX/XX/year>2025, stating : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' Experians refusal to investigate my dispute is a clear violation of my rights under the FCRA, which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently sued Experian for conducting sham investigations of consumer disputes ( Source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ ). Given this lawsuit and Experians documented failure to uphold its legal obligations, it appears my dispute was not properly investigated, violating my rights under the FCRA.

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 2025-02-07 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing this report in regards to onemain financial I work overnights and they will repeatedly call me throughout the day, any time I answer I tell them I am trying to sleep and that I can't talk right now. Since XX/XX/XXXX they have called me 15 times and I am filing this report on XX/XX/XXXX. I also had never verified my identity with them and they told me several times that it was a debt collection call. If I didn't answer the phone call they would immediately call me right back sometimes. When I asked them to cancel the automatic payments on my account they told me that they can't do that since the account was past due. I proceeded to inform the caller how many times they've called me in the past 4 days. I also informed them that they told me several times that this was a debt collection attempt without ever verifying my identity to which the caller responded with " why does that matter? '' I told the caller that I would be filing a report with the CFBP and hung up. They then called back to try and continue debt collection and what they could do to assist me, I told him once again to cancel the auto payment and he then told me that it was done already, I then provided a timeframe that would be okay to call me in and I was told that the timeframe wasn't acceptable and that they needed a larger timeframe. If they call again outside of the timeframe provided I will be filing a report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-07 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: NE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA, XXXX Subject : Dispute of Charged-Off Account Due to Data Breach Dear TransUnion, I am writing to formally dispute the charged-off account associated with my name, as my personal information was compromised in a data breach and may have been used fraudulently. I believe this unauthorized use of my information resulted in the account being opened or misused without my knowledge or consent. 

The account details are as follows :XX/XX/XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX to the exposure of my sensitive information in a data breach, I request that this account be thoroughly investigated and permanently removed from my records. Additionally, I ask that this account be deleted from my credit report with all relevant credit bureaus, as it does not reflect my legitimate financial activity. 

Please provide written confirmation of the outcome of your investigation. If necessary, I am happy to provide supporting documentation related to the data breach and its impact on my personal information. I appreciate your prompt attention to this matter and look forward to your response.

Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

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 2025-02-07 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: EQUIFAX, INC.
State: FL

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have discovered an inquiry on my credit report, and I want to make it clear that I never gave my permission for this company to pull my credit. This inquiry is unauthorized and, as such, is fraudulent.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-07 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX/2024 XXXX - XXXX XXXX/XXXX/2024

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 2025-02-07 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: CT

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXXXXXX Balance : {$700.00}, XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX AXX/XX/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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I have been trying to communicate for months with the mortgage company. My father left me the property and when this company picked up the loan they clicked me off of the account again. I tried repeatedly for months to communicate with them and find out what was owed and get assistance. But they kept refusing to communicate. It was only after I started including my sister in all emails I sent them to get put on the account, that they finally acknowledged me. The said I would be assigned a single point of contact and I would be called. I keep calling and no one is assigned yet. No one ever calls. But I keep asking and keep getting nothing. Now they are saying it is being foreclosed. But I havent received any info I havent received any help getting things fixed. And I dont know what to do.

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 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omni AR, LLC
State: ID

Complaint narrative:
4 Years ago we got a bill once we moved out and we had called the landlord as we had picture proof of the charges they were trying to have us pay for were false. We have not heard from this landlord in 4 years and the last conversation we had was we requested the itemized bill which was never provided. They gave us a generic as the landlord was giving us the items of what they were charging us for over the phone. We have not heard about this issue in 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
International Transfer Date - XX/XX/scrub> 2024. 
Sent from XXXX XXXX account to Chase. 
Account number was incorrect, and Chase never initiated bounce-back to XXXX account XXXX 

Timeline of Events : XX/XX/scrub> 2024 : A wire transfer was initiated from XXXX account to the incorrect Chase account. No bounce-back or communication was received from Chase regarding the error. 

XX/XX/year>2024 : XXXX initiated a recall request to Chase for the incorrect wire transfer, with no response. 

XX/XX/year>2024 : I spoke to XXXX at Chase Bank XXXX XXXX, who initiated a Corporate Complaint. 

XX/XX/year>2024 : I received an email from XXXX XXXX ( Chase XX/XX/XXXX XXXX XXXX XXXX ) stating that Chase had been unable to reach me since then ( no context provided ) and would cease contacting me. 

XX/XX/scrub> 2024 : I reached out to Chase via XXXX and received a bot response with no action taken. 

XX/XX/scrub> 2024 : I visited Chase Bank and spoke to XXXX over the phone, who assured me the case would be investigated and promised contact by XX/XX/scrub> 2024. No follow-up has occurred. 

XXXX XXXXXX/XX/XXXX Enquiries to Chase ( No Response from Chase in 2024 ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am writing to formally lodge a complaint regarding the missing wire transfer initiated on XX/XX/scrub>, 2024. Despite numerous attempts by both myself and XXXX XXXX to resolve this issue, Chase has failed to respond or take any meaningful action to locate and return the funds. 

As outlined in the timeline above, this issue has persisted for over eight months, with multiple internal inquiries from XXXX to Chase going unanswered. Chases lack of communication and failure to resolve this matter is unacceptable and has caused significant financial and emotional distress. 

I have made every effort to work with Chase to resolve this issue, including visiting my local branch, speaking with representatives, and escalating the matter through your Corporate Complaint process. However, the lack of progress and communication from Chase has left me with no choice but to consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
I am writing to dispute certain information on my credit file with TransUnion that was caused by identity theft. I am requesting that you block and delete this information as per the provisions of 15 U.S. Code 1681c2, which mandates that consumer reporting agencies block and delete information resulting from identity theft once proper documentation is provided. 

TransUnion has deliberately removed the ability for consumers to initiate disputes directly through their online platform by creating intentional system errors, effectively forcing individuals to submit their claims via traditional mail. This calculated maneuver not only introduces unnecessary hurdles in the dispute process but also significantly extends the timeline for resolution. By imposing this cumbersome requirement, TransUnion is creating an undue burden on consumers and discouraging rightful disputes and delaying critical corrections to credit reports.

This shift in policy raises serious concerns regarding consumer rights and regulatory compliance. The Fair Credit Reporting Act ( FCRA ) was designed to ensure accuracy and fairness in credit reporting, yet TransUnions recent actions appear to be in direct conflict with these principles. By eliminating digital dispute options, the credit bureau is imposing arbitrary barriers that disproportionately affect individuals seeking timely corrections. This practice may not only warrant regulatory scrutiny but could also be subject to legal challenges for unfair and deceptive business practices. 

PLEASE INVESTIGATE ANY CLAIMS LIKE THIS AND HOLD TRANSUNION ACCOUNTABLE THROUGH SANCTIONS AND FINES FOR THEIR WRONG DOING.

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