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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Used Wrong Names And Birthdate, Two Collections went on my account on XXXX for medical bills! Which affected my credit substantially

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding Chase Banks faulty drive-through ATM ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX ) which caused financial loss due to repeated malfunctions and an unfair deposit discrepancy. 

On XX/XX/year>, aXXXX XXXX XXXX, my husband deposited {$8500.00} into the ATM. The machine froze, did not return the money, and instructed him to call customer service. He called immediately, and they temporarily credited the full amount. However, today we received an update stating that only {$8400.00} was counted, and the bank deducted {$100.00} from our account. 

On XX/XX/year>, at XXXX XXXX, I personally deposited {$220.00} using the same ATM, and the same issue happenedthe machine froze. I went inside the branch, but a bank employee told me : The ATM is just in our parking lot ; we dont maintain it. You have to call customer service. Again, I called, and they refunded the amount temporarily while starting an investigation. I have not yet received an update. 

This ATM is clearly unreliable and frequently malfunctions, yet the bank refuses to take responsibility. Their staff insist that their count is correct, even though the issue stems from the ATM. Customers should not have to absorb financial losses caused by faulty machines. 

This has now happened twice in the same month, and the banks response has been dismissive and passive. I request an investigation into this matter and action to ensure the bank takes responsibility for maintaining its ATMs and protecting customers from financial harm.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: NY

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 2025-02-22 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: LA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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:
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 XXXX XXXX has violated my rights. 


XXXX XXXX. XXXX section XXXX A. Status I have the right to privacy XXXX XXXX XXXX Section XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report counting 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. 

XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: NJ

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 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
3 round of disputes company failed to provide any documents of negative accounts!

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from mycreditreport.

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: 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:
This is now my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my TransUnion credit report, and I am beyond outraged. I have had enough of TransUnions blatant negligence and refusal to fix this clear-cut error. Despite multiple disputes and more than enough time to correct them, TransUnion continues to knowingly misreport my payment history while my payment status shows Paid or paying as agreed. TransUnion is knowingly fabricating late payment history when XXXX and XXXX show no such thing. At this point, this is not incompetence this is willful misconduct. Under 15 USC 1666b ( a ), a payment made on time CAN NOT be reported as late, yet TransUnion is blatantly ignoring the law. This is a direct violation of 15 USC 1681e ( b ), which requires TransUnion to use reasonable procedures to ensure maximum possible accuracy a standard it has repeatedly failed to meet. TransUnions refusal to conduct a legitimate investigation, as mandated by 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ), only further proves its complete lack of accountability and reckless disregard for my consumer rights. This is not just negligence this is willful noncompliance. Under 15 USC 1681n, TransUnion is liable for statutory damages of up to {$1000.00} per violation and given its repeated, ongoing violations, these penalties are stacking up. TransUnion is also responsible for actual damages under 15 USC 1681o, as this misconduct has caused me financial harm, credit damage, and emotional distress. Its failure to comply with 12 U.S.C. 5531 further demonstrates its deliberate disregard for fair and transparent dispute handling.

TransUnions refusal to act is completely unacceptable. I will not tolerate being ignored, dismissed, or forced to deal with the consequences of TransUnions reckless and illegal reporting any longer. Fix this immediately or face further escalation.

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 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:
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 XXXX, and it is unacceptable that I continue to suffer the consequences of someone elses wrongdoing.

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 — Account information incorrect
Company: Experian Information Solutions 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I request a validation letter of a collection agency and didnt receive anything.I requested Equifax to remove the collection from my credit report, the responded with they did an investigation and the debt was verified. I requested to know what was the investigation process since the collection agency violated the FDCPA and their failure to not remove a unverified collection violations the FCRA

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
The auto loan iwas not 30 days late in XX/XX/year>. The account was closed and paid as agreed.

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 card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I logged into my online acct to pay a monthly charge to my card ( this is the only purchase I used the card for ). I discovered over {$5000.00} in fraudulent charges to my card. I contacted Barclays. The customer service rep informed me that she would refer the issue to their fraud department to open an investigation. She also told me that she showed in my acct notes that an individual ( who was not me! ) called and updated my home address. She also told me that shortly after that an individual called to report a lost or stolen card and requested a new card be sent. That new card was sent to the fraudulent address. During the phone call I created a verbal password. I also updated my address, locked my card, and went online to freeze my credit at the 3 credit bureaus. Barclays removed the fraudulent charges. But then informed me that because a chip was present I would be held responsible for the charges. I called again. I went through the same process. Barclay removed the charges again. And then they once again sent me a letter telling me that I would be responsible. I called again. And the same thing happened. The last time the majority of the charges were removed. There are currently almost {$600.00} still on the card that they have not removed. I called again. The rep told me that they should be removed soon ( I was told working 30 days of XX/XX/year> ). This has still not happened. In the meantime time Barclays has added late fees for nonpayment, interest charges, and reported nonpayment to the credit bureaus. Now my credit rating is falling and they still have not corrected the issue! This has been going on for five months!!!

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following date XXXX I'm now requesting you investigate this account XXXXXXXX XXXX XXXXXXXX and update these payment to paid on time immediately. Thank you for your understanding and prompt action!

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously disputed and had the following fraudulent accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These accounts were deleted in XX/XX/year> after multiple disputes, yet now they are back on my XX/XX/year> report. This is completely unacceptable. If an account is deleted, it should stay deleted. This back-and-forth of removing and then sneaking them back in is dishonest, damaging, and illegal. The law is clearonce an account is removed, it can not be put back unless the company proves it is accurate and I am notified in writing within five days. That did not happen. TransUnion broke the law by allowing these fraudulent accounts back on my report without verifying them or informing me. On top of that, XXXX and XXXX did not reinsert these accounts, meaning TransUnion is the only one failing to do its job. This isnt just a mistakeits reckless and harmful. This mess is damaging my credit and causing unnecessary stress. I demand that these accounts be removed immediately and permanently. I will not keep disputing the same accounts over and over because TransUnion refuses to do its job properly. If this isnt fixed now, I will be filing complaints with the CFPB, FTC, and my states Attorney General, and I will take legal action if necessary. I expect written confirmation that these accounts are permanently deleted and an explanation of how you plan to fix this mess. This is your final warning.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief