vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-04 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX non-adverse, non-belligerent, non-combative party, secured creditor with power of attorney general and executive on behalf of XXXX XXXX estate is in the possession of your recent voluntary submission of evidentiary documents. In order to verify this XXXX debt, the secured creditor is requesting the following ; Account XXXX must herein provide a true and certified copy of the complete audit trail of said account. In order for the debt to be validated, please provide verification through your organizations audit certifications of debt entry in accordance with XXXX XXXX XXXX in accordance with XXXX XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your organizations Tax Registration certificate. An account summary on its own does not provide sufficient verification of debt. 

Failure to substantiate the claim, please settle the account within the next 10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
On XX/XX/year> I placed a request on experian.com to reinvestigate a dispute and provide me with the method of verifying the information in dispute to which they answer item will remain on credit report but did not provide method of verification such as who they talk to will investigation did they complete or any other verifying information to which is a FCRA violation.

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
According to the 15 .U.S.C.1692C all inaccurate information need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year> I sent in a payment for {$1000.00}, {$480.00} in a personal check and {$600.00} in a money order. The personal check was misapplied to a credit card I have with Citi and not my personal loan. The {$600.00} money order was never applied to any of my accounts and they have no record of it even though both documents were in the same payment envelope. I called to ask who handled the payment posting to try to learn what they did with the money order. I was told it is an automatic process.

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Wednesday, XX/XX/year>, I recevice and email for Wellsfargo bank telling me that that sent a payment of XXXX, from my billpay to XXXX XXXX. When I saw the email I immediately call Wellsfargo to tell them that I has not sent a billpay to XXXX XXXX. They refer me to the fraud department. I told them that was not me, I don't have an account with XXXX XXXX. I was told the payment have not been process yet and they were going to stop it. On the XXXX XXXX, I went ro bank and was told the money was in my account. I using it. Then on Saturday, I recevice alert that my account was overdrawn. I could believe it. I call the bank and they couldn't tell me why because the fraud is closed on Saturday. I call on Monday, XX/XX/year>, and was told that it was paid to XXXX XXXX. I was upset, how could this happen I told you guys it wasn't me, then I was told it was going to be stop. Make this make sense I call and told you its wasn't me and you pay it anyway. I was a letter was sent to my on Friday, XXXX XXXX, 2025, what kind of letter, she said affidavt was sent for me to sign and it going take at least ten days. This unacceptable, how is it possible for someone to get into my billpay and set-up a payment to 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 2025-03-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute unauthorized inquiries and accounts on my credit report, as reported by EQUIFAX, TRANSUNION, AND XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, my consumer report may only be furnished for permissible purposes, such as those outlined under this section, and only when I have provided written authorization. 

Upon review of my credit report, I found that companies are listed as hard inquiries on my credit report unverified. I have also noticed unauthorized accounts being reported, and I have provided those for reference below as well. I did not provide written consent for these inquiries or accounts, nor was there any permissible purpose for accessing my credit information. As this violates the FCRA, I request that the unauthorized inquiries be removed from my credit report immediately as well as any other misleading unverifiable information. Ive never signed any contract with XXXX XXXX XXXX XXXX and I am unaware of any self account with. This is unfair and needs to be fixed immediately! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I have a credit card through Avant. I did have a payment that was due however I received 10 Calls from Avant within a 7 day period of Time. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All calls from same phone number - XXXX. I work during these hours so receiving repeated calls with no voicemail messages related to what the call was about disrupts my work day and productivity. I also receive email reminders so there is no need for me to be bombarded with repeat calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX, I was a proud holder of a Chase XXXX credit card, which allowed me to accumulate valuable airline points. One day, a close friend of mine asked for my help in booking a flight to attend another friend 's wedding. I offered to use my airline points to cover the ticket, and he eagerly accepted, mentioning that he had recently applied for his own Chase credit card. He promised that once he received his points bonus, he would transfer enough points to my account as reimbursement.

At the time, we were both blissfully unaware that this arrangement might violate the terms and conditions of Chase 's Ultimate Rewards program. Confident in our understanding, I proceeded with the transfer, which went through without any hiccups. There were no error messages or warnings to suggest that we were doing something wrong.

However, everything changed when I received an alarming notification that my Chase credit card had been shut down without warning. Confused and frustrated, I reached out to Chase 's customer service to understand what had happened. To my dismay, I learned that my account had been closed due to an accusation of " abusing '' their points program. They cited the transfer of less than XXXX points as the reason, leaving me shocked and upset. I had never intended to break any rules and felt blindsided by the entire situation. 

What added to my frustration was the fact that the Chase Ultimate Rewards website had allowed the transfer to occur smoothly, with no indication that it was against their policies. It felt unfair that, after such a long time of using their services responsibly, I was facing such severe consequences for what seemed like a misunderstanding. 

In my attempts to remedy the situation, I reached out to Chase for assistance, hoping they might reconsider their decision. Unfortunately, they informed me that there was nothing they could do to reverse the closure of my account. It felt as though I had been unfairly penalized for a mistake neither my friend nor I had knowingly made. 

Fast-forward over ten years, and I find myself still facing the repercussions of that incident. Chase continues to deny my credit card applications, citing the misuse of their rewards program as the reason. I can't help but feel that a decade is more than enough time for them to reconsider my case. I sincerely hope that Chase would find it appropriate to forgive and wipe this incident from my record, allowing me to move forward without the shadow of that misunderstanding lingering over my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.

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 2025-03-04 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: FL

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I provided the credit bureaus with an FTC Identity Theft Report ( # 184369291 ), which legally requires them to block and remove these fraudulent accounts from my credit file.

Despite submitting my dispute with supporting documents, the credit bureau has failed to properly investigate and remove these fraudulent accounts within the 30-day period mandated by 15 U.S.C. 1681i. These fraudulent accounts are negatively affecting my credit score and financial well-being.

The following accounts were fraudulently opened and reported under my name : XXXX  XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Account # XXXX Amount : {$490.00} XXXX XXXX XXXX Account # XXXX Amount : {$1000.00} XXXX  XXXX XXXX Account # XXXX Amount : {$22.00} XXXX XXXX  Account # XXXX Amount : {$2700.00} The credit bureaus are violating the FCRA ( 15 U.S.C. 1681c-2, 1681i ( a ) ( 5 ) ( D ), and 1681s-2 ( a ) ( 6 ) ), which require them to : Block and delete fraudulent information upon receiving my identity theft report ( 15 U.S.C. 1681c-2 ) Notify other credit bureaus of the deletions to prevent reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Prevent creditors from continuing to report fraudulent accounts ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I am requesting an immediate correction of my credit report and the removal of these fraudulent accounts. I demand that the credit bureau comply with the FCRA and delete this information from my file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. 

Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reportind A hand request a thorough investigation into these inaccuracies, as required by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputes properly. 
Reinserting previously disputes and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding inaccurate information on my Credit Report. 

Dear : Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my well-being. I am aware of my rights under the fair credit Reportind A hand request a thorough investigation into these inaccuracies, as required by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly Investigate consumer disputes citing sham investigations and other unlawful practices These practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputes properly. 
Reinserting previously disputes and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not the correct address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and all variations of this name is not correct XXXX, XXXX  XXXX, Is not my place of employment please remove these variations of bureaus reporting inaccurate names, addresses and places of employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NE

Complaint narrative:
I have charge offs on my credit report which should not be posted as charge off accounts are considered as income., as well as not having received necessary 1099report from reporting party. Charge offs should be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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