vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: KS

Complaint narrative:
Heres a professional dispute letter you can use to address your concern with Equifax : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX, XXXX ] [ XX/XX/2025 ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Inquiry To Whom It May Concern, I am writing to formally dispute an unauthorized inquiry that appears on my credit report. The institution XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the phone number ( XXXX ) XXXX, conducted a hard inquiry on my credit file without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Internal Revenue Code 26 U.S. Code 7213, I am asserting my legal rights and requesting the immediate removal of this unauthorized inquiry from my credit report. I have no record of granting this institution permission to access my credit information, and the inquiry is therefore unlawful. 

Please take the necessary steps to investigate this matter. If you find that this inquiry was conducted without proper authorization, I respectfully request its immediate deletion from my credit file. Attached to this letter are copies of my identification and proof of address to assist in verifying my identity. 

Additionally, I request that you provide me with written confirmation once the inquiry has been removed or details of your findings if you determine otherwise. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
Account In Dispute : XXXX XXXX XXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: VA

Complaint narrative:
Account In Dispute : XXXX XXXX XXXXXXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
We had been saving Credit Card ( Thank You ) points with CitiBank for years in anticipation of a XXXX trip. When we went to utilize the points through CitiBank 's phone app, it flagged the transaction as " suspicious '' and froze the account. We called to have the fraud alert lifted and the transaction verified. Just about an hour on the phone later, we were assured that the problem was fixed and that we would be able to make the purchase. This same cycle has repeated now XXXX times. This last time, we were so frustrated that we asked to speak to a manager. The customer service associate hung up on us. We called a second time today and asked to speak to a supervisor, and then again a manger above them. They were unwilling and unable to verify our account and close it. CitiBank was happy to let their automated system allow a point transfer to pay down a small balance on the card without limiting the transaction. They were also willing to even take and process a payment ( both of which I did and now the account has a XXXX dollar balance ). The company is not even at risk for loss now, and yet still, they refuse to close the account, This is not just poor customer service, by refusing to close the account, they are setting us up for a liability since we do not have control over our account now but are instead required to keep it open. This creates an unacceptable level of risk for us.

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 2025-01-10 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: SC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-10 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: SC

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-13 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: TN

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
On XX/XX/year>, I contacted Chase regarding a hotel refund dispute. The hotel initially promised to issue a full refund of {$490.00} but only refunded XXXX XXXXXXXX. I raised this issue with Chase, and they assured me that the problem would be resolved and the full refund amount would be credited back to my account. However, only the partial refund of {$210.00} appeared. 

I called Chase again today, XX/XX/year>, to follow up on this issue, but they denied the previous resolution promise and stated that the partial refund was final. This response contradicts the assurance I was given on XX/XX/XXXX. 

I am seeking assistance to ensure that the full refund of {$490.00} is issued as originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents. 
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, TransUnion must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-01-10 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: TX

Complaint narrative:
XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
One Main Financial has called my employer, divulging personal information in an attempt to collect a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I downloaded cash app XXXX years ago only because my brother used it to send me XXXX gifts. I attached it to my checking account so that I could transfer the cash to my bank and use it. So this year he sent cash app again. Again I transferred to my bank account. These are the only XXXX times I have used it. Someone else used cash app to access my checking account. First they deposited {$2.00} and change. Then they made XXXX small withdrawals totally around {$40.00}. My band fraud prevention called and we shut down my debit card. But the bank said that they would not reimburse me because I was signed up for cash app. So I called cash app and they would do nothing even though they had access to the persons account ( I told them the username that was on the withdrawals ). So luckily Im only out {$40.00} but it could have been all of my money. Is there anything that you can do to make sure this doesnt happen to anyone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Unresolved Credit Disputes Dear CFPB, I am reaching out to formally escalate my ongoing issue with the major credit bureaus regarding fraudulent items on my credit report. Despite submitting multiple disputes and providing sufficient documentation, the bureaus continue to claim these accounts are verified without offering a clear explanation or taking appropriate action to remove the inaccurate information. 

I am now submitting another letter requesting the method of verification used, as required under FCRA 15 U.S.C. 1681s-2 ( e ). I believe the credit bureaus are not taking my concerns seriously, and their lack of transparency has further delayed the resolution of these fraudulent entries. 

Your assistance in ensuring the credit bureaus conduct a thorough and compliant investigation is greatly appreciated. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Unresolved Credit Disputes Dear CFPB, I am reaching out to formally escalate my ongoing issue with the major credit bureaus regarding fraudulent items on my credit report. Despite submitting multiple disputes and providing sufficient documentation, the bureaus continue to claim these accounts are verified without offering a clear explanation or taking appropriate action to remove the inaccurate information. 

I am now submitting another letter requesting the method of verification used, as required under FCRA 15 U.S.C. 1681s-2 ( e ). I believe the credit bureaus are not taking my concerns seriously, and their lack of transparency has further delayed the resolution of these fraudulent entries. 

Your assistance in ensuring the credit bureaus conduct a thorough and compliant investigation is greatly appreciated. 

Thank you for your time and support.

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