vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NC

Complaint narrative:
I live in XXXX XXXX and was a XXXX XXXX XXXX. I became dissatisfied with XXXX XXXX and changed to XXXX XXXX. 
XXXX  ask me to send their equipment back to them and I did. I sent their XXXXXXXX XXXX XXXX XXXXXXXX, a Remote Control, a XXXX XXXX, XXXX Receiver and a XXXX XXXX XXXX off of the XXXX XXXX  Outside of my house. All of these were boxed up and shipped to this address Customer Service XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. This was done on or about XX/XX/year>. 
The above was taken to XXXX XXXX in XXXX, NC and dropped off, checked in by a clerk with a hand held wand. This boxed up material was left for XXXX XXXX XXXX to pick up and ship to above address in Texas. 
Needless to say I do not have the receipt for this shipment. I have been in contact with different people at the XXXX XXXX and I have explained what I did with their equipment at least twice maybe 3 times. My daughter who is my POA also called them trying to get some consent from XXXX that the equipment was sent to their customer service listed above. 
Now XXXX has turned this over to a collection agency who has written this letter stating that I owe XXXX XXXX {$480.00} for their equipment. I dispute their claim in that I do not have the equipment or stolen it or give it to someone else. I did in good faith do exactly what they requested in sending back their equipment, therefore I do not believe I owe them XXXX for some thief that showed up and has taken the equipment or it is sitting somewhere in a corner and no one has processed the equipment or made any inquiry as to where or who it came from. 
So it is my word against theirs but I am willing to take a polygraph test to see just who is not telling the truth about 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 2025-03-29 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-03-29 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: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unauthorized hard inquiry that appeared on my credit report without my consent. The inquiry was made by XXXX XXXX XXXXXXXX, and I did not authorize this company to access my credit file. 

Details of the Issue : Company Involved : XXXX Date of Inquiry : XXXX Credit Bureau Reporting the Inquiry : XXXX XXXX Equifax Actions Taken : Contacted the Credit Bureau I submitted a dispute with XXXX & Equifax requesting removal of the unauthorized inquiry.

Contacted XXXX I attempted to reach out to the company to verify the inquiry and request its removal, but did not receive a response. 
No Resolution Despite my efforts, the inquiry remains on my credit report, negatively affecting my credit score.

Legal Basis for Complaint : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o, companies that obtain or use a consumers credit report without proper authorization are liable for negligent noncompliance. Since I never provided written consent for this inquiry, it constitutes a violation of my rights under the FCRA. 

Thank you for your time and assistance in resolving this matter. Please keep me updated on the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a phone call from a family member today. That family member asked me what was XXXX XXXX? I asked why and he said that he received a call from them asking about me. He asked how did they get his number and they quickly replied " I can't give you that specific information but only to say that this is an attempt to collect a debt ''. The representative at portfolio recovery asked him if he was my spouse. He answered by saying my spouse was deceased. I did not give anyone permission at this collection agency to contact anyone besides myself about any debts I allegedly owe. This should be against the law and illegal to disclose somebody's personal information to third parties no matter who they are. XXXX XXXX  should be investigated and reprimanded for this type of practice. If harassing someone is illegal in the eyes of the law, then harassment from this agency should be as well.

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 2025-03-28 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE REPORTED MULTIPLE ACCOUNTS THAT ARE REPORTING ON MY CREDIT. FILE FRAUDULENTLY, I AM A VICTIM OF HUMAN XXXX  UNDER 605C AND I HAVE SUBMITTED MY SUPPORTING DOCUMENTS FOR THAT. PLEASE HELP ME REMOVE THOSE 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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello This is my case number XXXX You can review it from there, you close out my case stating that my money is sitting in a Chase suspense account. I need to know when it is going to be approved and when my funds are goin to be released. Also I want to know what happened and what did Chase see to make my account restricted and close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: AZ

Complaint narrative:
i need these inquires removed as of today. ive attached an identity theft report.

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 2025-03-28 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: AZ

Complaint narrative:
i need these inquires removed as of today. ive attached an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IL

Complaint narrative:
I opened a dispute for a defective XXXX XXXX  on XX/XX/year> ( Case ID : XXXX ). On XX/XX/year>, Barclays left a voicemail requesting that I contact them. I returned their call on XX/XX/year>XXXX  with no luck in getting a rep, and again on XX/XX/XXXX, XXXXboth calls were recorded. 

On XX/XX/year>, I spoke with a representative named XXXX, who informed me that Barclays had closed my dispute under the assumption that I no longer wanted to continue it. This is false, as I made multiple attempts to reach them. Barclays appears to be deliberately closing dispute investigations and misrepresenting customer interactions, seemingly hoping that customers will give up. 

Additionally, Barclays fails to provide any documentation or evidence to support their decisions when denying disputes. This lack of transparency and accountability is unfair and unacceptable. I request that my dispute be properly investigated and that Barclays be held accountable for their misleading and deceptive practices.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent multiple letters to the credit bureau, asking them to do a thorough investigation into the bankruptcies that they have placed On my credit report. 

In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : The name of the courthouse where the information was verified.

The name of the person at the courthouse who handled your request. 
The address of the courthouse. 
The telephone number for the Clerk of Court 's office.

The specific document you obtained to verify the bankruptcy. 

I provided them with 30 days to conduct an investigation to which they refuse to contact their alleged source at the courthouse to verify the bankruptcy that they have placed on my credit report. They advise me that they only had to do an Internet search they did not need to comply with FCRA guidelines. They denied me of the investigation and reported that the Internet search that they did was sufficient enough. No one was contacted at the courthouse. The courts advise me that they did not speak with anyone at the credit bureau, nor did they submit anything to the credit bureau, and that they could not verify that debt for them theyre only using Internet resources. I emailed and faxed my letters starting last XXXX in XXXX, and nothing has been done or corrected. They believe they are above the law

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 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
The company that owes me money is Cash app Multiple accounts was closed and moneu was took from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently pulled my Experian credit report and notice some inaccuracies I wanted to dispute. However, I am not able to process disputes online, by phone, or by mail. I need to be able to dispute inaccuracies and question verification about account on my credit. Ive contacted Experian but not resolution was done.

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 2025-03-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute of Incorrect Account Request for Deletion Dear : Credit Bureaus I am writing to formally dispute an inaccurate account that appears on my credit report. The account in question, listed under the name of CREDIT ACP with account number XXXX is not mine and has been mistakenly associated with my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and provide documentation verifying that this account rightfully belongs to me. If verification can not be provided, I respectfully ask that the account be removed from my credit report immediately. 

To assist with your investigation, I have attached the following documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of my identity A copy of my credit report with the incorrect account highlighted Please respond in writing with the results of your investigation within the legally required timeframe of 30 days. If the account can not be verified, I expect its removal from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute at your earliest convenience. You may contact me by mail letter if further information is needed. 

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 explanation
Consumer complaint received 2025-03-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute of Incorrect Account Request for Deletion Dear : Credit Bureaus I am writing to formally dispute an inaccurate account that appears on my credit report. The account in question, listed under the name of CREDIT ACP with account number XXXX is not mine and has been mistakenly associated with my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and provide documentation verifying that this account rightfully belongs to me. If verification can not be provided, I respectfully ask that the account be removed from my credit report immediately. 

To assist with your investigation, I have attached the following documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of my identity A copy of my credit report with the incorrect account highlighted Please respond in writing with the results of your investigation within the legally required timeframe of 30 days. If the account can not be verified, I expect its removal from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute at your earliest convenience. You may contact me by mail letter if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TN

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-28 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal demand for reinvestigation and correction of inaccurate, incomplete, and unverifiable information found in my XXXX credit report dated XX/XX/year>. You are hereby placed on legal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). Below, I detail each disputed item, cite the relevant consumer protection statutes, and provide a formal demand for resolution. 

Issue : Reflects 120-day late history without verified supporting documentation.

Legal Basis : - FCRA 1681i : Credit bureaus must remove unverified or inaccurate data after re-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 explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
Between XX/XX/scrub> 2025 threw the middle of XX/XX/year>2025 totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank called my mother and told her my account balance and other private, sensitive information. My mother is not a co-signer or an authorized user on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I am submitting this complaint with absolute certainty and extreme frustration regarding the numerous errors on my credit report. These inaccuracies have severely impacted my life and credit score, preventing me from achieving financial stability and freedom. Despite my efforts to address this, the situation remains unresolved. Additionally, I am deeply concerned that some of these errors may be linked to fraudulent activity. I have noticed accounts and transactions that I have no knowledge of, suggesting unauthorized use of my personal information. This is a blatant violation of my rights as a consumer, and I refuse to accept the continued damage caused by these inaccuracies.

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