vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: AR

Complaint narrative:
Experian and Trans Union been giving fosse information and links saying that theyll be able to help you out with loans its gon na be not gon na be no hard inquiry but then they do show up in your credit score now I have a high inquiry that wont let me get any loans but give me this information I also went ahead. Got my business account tried to run my EI number and because of those now its hard for me to get a business loan just for a start up and trying to do something to XXXX XXXX so I just wan na be aware these credit unions are doing, so thats why and hopefully you guys can help me out. Thank you. I appreciate it.

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 2025-02-18 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: NJ

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

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 2025-02-18 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We were defrauded by an entity posing as the Small Business Administration SBA.

By the time we realized we had been scammed, we had made 3 payments to this entity from our Chase business bank account over a 3 month period.. Chase claims they are not responsible for restoring these funds to our account, as we authorized their disbursement. We were scammed, so approved their disbursement under false pretenses. This does not qualify as " approval ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information present on my credit report. Upon reviewing my report, I identified several discrepancies that do not reflect the truth of my financial history. I have always made it a priority to ensure that my credit matters are handled with the utmost care and responsibility, so I am confident that these errors do not belong on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: T.S. Holdings
State: NJ

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the XXXX XXXX. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am reaching out to formally dispute a credit inquiry that appears on my report, as it was never authorized by me. After reviewing my credit report, I discovered an inquiry on my credit report and I can confirm that I did not give my permission for this company to pull my credit information in any way. This inquiry is unauthorized, and I believe it was made in error or, more concerningly, fraudulently.

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I received an email On XX/XX/XXXX that appeared to be from my realtor. The email had her picture, email signature and all related affiliates listed at the bottom. The attached wiring instructions had the closing attorney 's letter head, name and address. I followed the attached wire instructions, and went to my banking institution ( Navy Federal Credit Union ) and initiated a wire in the amount of {$16000.00} for closing funds. I was not asked or advised to call the receiver ( Closing attorney 's office ) or verify any information before processing the wire transfer. After leaving the bank I emailed the XXXX number to my realtor to confirm transaction had been initiated. The next morning XX/XX/XXXX I had a phone call with realtor in which I was told she did not send me an email. I contacted my bank, Navy Federal Credit Union immediately and stated I believed the transaction was fraudulent and a recall for the wire was submitted. I was told it could take up to XXXX to hear back from the receiving bank ( XXXX XXXX ). I also made a report with the XXXX, Federal trade commission, XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX It has been well over 90 days and after several calls and visits, Navy Federal credit Union has yet to send me mailed documentation on my wire fraud complaint, me submitting a recall, any investigation results, they have not complied to tracing the wire and providing XXXX info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am reaching out to formally dispute a credit inquiry that appears on my report, as it was never authorized by me. After reviewing my credit report, I discovered an inquiry on my credit report and I can confirm that I did not give my permission for this company to pull my credit information in any way. This inquiry is unauthorized, and I believe it was made in error or, more concerningly, fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am reaching out to formally dispute a credit inquiry that appears on my report, as it was never authorized by me. After reviewing my credit report, I discovered an inquiry on my credit report and I can confirm that I did not give my permission for this company to pull my credit information in any way. This inquiry is unauthorized, and I believe it was made in error or, more concerningly, fraudulently.

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 2025-02-18 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: MI

Complaint narrative:
I have been complaining about this company for sometime now. They have remained to allow errors on my report. They never do a full investigation to properly resolve my disputes. 

They have a computer generated response letter stating account has been verified when I ask for their ( Method of verification ) they will not provide me my request. I have a right to this. 

I have many letters and also complaints with CFPB about all the violations and errors on my report. I continue to write these disputes to them. Either they -Ignore -Dont respond -Or Send a ( computer generated response Never doing a real investigation to the errors on my report. 

As these years have went by I have finally received information about the same thing I have been complaining about. 

The accounts again have been in so many violations but the lawsuits that are services about these companies I have already complained about. 

Especially removing accounts and placing them back on my report I sent and called about this many times and they did nothing. 

Accounts -Credit acceptance- reporting ( which this company was sued for how they report unknown agreements and violating FCRA laws and nothing was done. Never looked into the reporting errors. 

XXXX removed due to reporting errors and FCRA violations ( placed back after months ) XXXX- removed due to reporting and FCRA violations ( placed back on my report ) -XXXX XXXX removed due to reporting errors and FCRA violations

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been complaining about this company for sometime now. They have remained to allow errors on my report. They never do a full investigation to properly resolve my disputes. 

They have a computer generated response letter stating account has been verified when I ask for their ( Method of verification ) they will not provide me my request. I have a right to this. 

I have many letters and also complaints with CFPB about all the violations and errors on my report. I continue to write these disputes to them. Either they -Ignore -Dont respond -Or Send a ( computer generated response Never doing a real investigation to the errors on my report. 

As these years have went by I have finally received information about the same thing I have been complaining about. 

The accounts again have been in so many violations but the lawsuits that are services about these companies I have already complained about. 

Especially removing accounts and placing them back on my report I sent and called about this many times and they did nothing. 

Accounts -Credit acceptance- reporting ( which this company was sued for how they report unknown agreements and violating FCRA laws and nothing was done. Never looked into the reporting errors. 

XXXX removed due to reporting errors and FCRA violations ( placed back after months ) XXXX- removed due to reporting and FCRA violations ( placed back on my report ) -XXXX XXXX removed due to reporting errors and FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/year> I filed a depute with Experian I was told there the results of the report were in I have been trying to get the results but I have been told the results are not available 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 2025-02-18 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: CO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-02-18 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: CO

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
-XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
-XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-18 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: TX

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 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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a boat tour through XXXX XXXX XXXX. Due to their bus service being delayed the boat tour did not occur. This merchant stated they would give refund to all customers affected by this. They asked that we call the phone number to follow up. The phone number goes straight to voicemail & they have not answered any calls. I reached out via email but there has been no response. I reached out to CashApp to dispute the claim, but theyve denied the claim stating that the charge was not unauthorized & that they see no issue. Ive reached out to CashApp support multiple times via chat & through a call to let them know and they have not been able to resolve this issue. Ive asked for them to do a fair investigation into this claim so they can confirm I never received the service.

Company response to consumer: Closed with explanation