vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have an XXXX XXXX XXXX son with XXXX XXXX XXXX who is under the legal guardianship of me and my wife, in particular because he does not understand the concept of money. My son used a XXXX Chase XXXX credit card ( that XXXX renewed to our family account without our knowledge or approval ) to make over {$10000.00} worth of purchase on various online games, buying packets of digital gold coins to spend within the games. These purchases were made over a period of about XXXX weeks, and although it represented a marked departure in the spending habits associated with that credit card, which we had all but stopped using except for travel-related expenses, Chase XXXX XXXX XXXX effort to notify me of the run-up in charges ( at least {$5000.00} in XXXX month through XXXX for digital services XXXX. Further, they have so far refused to refund the charges, claiming that since my son is a family member and is XXXX and a legal adult ( which he is not, since he is under guardianship ), it is not fraud and that they therefore bear no liability for these charges, despite my sons history of mental retardation. I have been left with a {$10000.00} credit card bill for XXXX XXXX, meaning that I have no property I can return to recoup the loss, and Chase XXXX will no longer work with me on this issue. I was directed to file a complaint during my last attempt to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-04 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am disputing a collection account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2025-01-04 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: IA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies as companies I applied to for credit cards or loans recently or at all.

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 2025-01-04 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: IA

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies as companies I applied to for credit cards or loans recently or at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
Since the servicing transition to XXXX from Navient, my credit reports have not updated since XX/XX/year>. Since then, I have paid off XXXX of my XXXX private loans. I disputed the XXXX paid off XXXX balance loans with the credit bureaus, they came back verified as accurate. They are the same balances as they were before they were paid off. How is this accurate if the balance is now XXXX on these XXXX accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Ive been with pay pal since XXXX  Ive never been close to my credit limit much less over my credit limit. I had some charges that I didnt recognize and they reissued my credit line when they did they lowered my limit from XXXX to XXXX it made me go over my credit limit and with interest and fees I cant get it down. Ive never been late or missed a payment in all of these years. I never pay minimum payment and I have not charged anything on pay pal In almost a year but they have me over the limit they are charging outrageous fees and I feel like that is wrong to bring my limit down to where I am now over my limit when I have never been close to my limit. I want it fixed to a fair and manageable amount.

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 2025-01-04 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: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Rental Payment Information Dear TransUnion, I am writing to formally dispute the incomplete and inaccurate reporting of my rental payment information on my credit report, as provided through AnnualCreditReport.com. Specifically, my rental account with XXXX ( Account ID : XXXX ) has not been updated to reflect my on-time payments for XXXX and XX/XX/XXXX. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), credit reporting agencies are required to maintain accurate and complete information on consumer credit reports. The failure to update my timely rental payments constitutes an error that may negatively affect my credit history. 

The details of the disputed account are as follows : Creditor Name : XXXX Account ID : XXXX Type : Rental Agreement Discrepancy : Missing payment updates for XXXX and XX/XX/XXXX I have attached supporting documentation to verify my claims, including payment receipts for XXXX and XX/XX/XXXX. 

Please investigate this matter and update my credit report to reflect accurate information. I request that you notify me of the resolution of this dispute within the timeline required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely

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 2025-01-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Rental Payment Information Dear TransUnion, I am writing to formally dispute the incomplete and inaccurate reporting of my rental payment information on my credit report, as provided through AnnualCreditReport.com. Specifically, my rental account with XXXX ( Account ID : XXXX ) has not been updated to reflect my on-time payments for XXXX and XX/XX/XXXX. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), credit reporting agencies are required to maintain accurate and complete information on consumer credit reports. The failure to update my timely rental payments constitutes an error that may negatively affect my credit history. 

The details of the disputed account are as follows : Creditor Name : XXXX Account ID : XXXX Type : Rental Agreement Discrepancy : Missing payment updates for XXXX and XX/XX/XXXX I have attached supporting documentation to verify my claims, including payment receipts for XXXX and XX/XX/XXXX. 

Please investigate this matter and update my credit report to reflect accurate information. I request that you notify me of the resolution of this dispute within the timeline required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely

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 2025-01-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Dispute of Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccuracies in my credit reports from Experian, as accessed through both AnnualCreditReport.com and Experians XXXX app. These reports fail to reflect my XXXX rent payment, despite evidence confirming it has been paid. 

This inaccuracy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, which emphasizes the importance of fair and accurate credit reporting. According to this statute : XXXX. The banking system depends on accurate credit reporting. 


XXXX. Inaccurate reports impair the system 's efficiency and undermine public confidence. 


XXXX. Consumer reporting agencies are tasked with assembling and evaluating accurate information about consumers. 



I have attached my rental ledger as evidence of payment, which clearly shows that my XXXX rent was paid in full. Despite this, Experian has failed to update my credit report, which XXXX harm my creditworthiness and standing. 

I request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by correcting the inaccuracies in my credit report. Additionally, I request that Experian confirm the corrections in writing once the updates have been made. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional documentation or information. 

Sincerely,

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 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
I dont have any information for this account or company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: HYUNDAI CAPITAL AMERICA
State: IA

Complaint narrative:
I have hard credit checks on my credit report that I don't recognize. I have not applied for a loan or credit card from these companies.

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 2025-01-04 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: IL

Complaint narrative:
XXXX XXXX XXXX has reported a {$67.00} medical deb to my credit report. When I informed them of the Illinois law, they ignored more request. 
Medical debt that is under {$500.00} should not appear on credit reports. This information should not appear on credit reports if the medical care occurred in Illinois, or if the credit report was purchased or used in Illinois. 
Equifax and this collection agency is now in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
MEDICAL COMMERCIAL AGENCY has reported a {$67.00} medical deb to my credit report. When I informed them of the Illinois law, they ignored more request. 
Medical debt that is under {$500.00} should not appear on credit reports. This information should not appear on credit reports if the medical care occurred in Illinois, or if the credit report was purchased or used in Illinois. 
XXXX and this collection agency is now in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: INDEPENDENT BANK GROUP, INC.
State: TX

Complaint narrative:
I applied for a loan with XXXX XXXX XXXX XX/XX/year> XXXX I completed my application, provided requested documents, and paid for appraisal, XXXX said he would be able to complete my loan. 

For several months until XX/XX/year>, I provided requested documents and waited for the senior originator to reach out. He repeatedly claimed he would contact me, but I never heard back and waited. Between him and his assistant XXXX XXXX, I was getting the run around and no response. When he did reach out he blamed me and said I did not provide documents. I have email threads with documents and stated I could forward as proof I supplied everything. He kept blaming me and I had no response for my loan. I was so stressed, my credit was already ran and I paid for an appraisal. When I finally got some type of disclosure from the title company, I saw the fees was approx. {$20000.00} and interest rate was more than XXXX XXXX. He never disclosed to me or told me anything. I asked him about it and he avoided me. That was when I told him to terminate my loan. I had waited so long, and he didn't communicate or disclose information. I would have respected if he merely said my loan couldn't be done. This went on for XXXX months before I terminated.

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 monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute the bankruptcy currently listed on my credit report, as its presence is significantly affecting my credit score and financial standing. This negative entry is creating challenges for me in securing loans, credit, or other financial opportunities. I believe there may be inaccuracies or issues related to this record that need to be addressed, and I would appreciate assistance in verifying and resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief