vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CO

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax and TransUnion consistently responds within 72 hours stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax and TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CO

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax and TransUnion consistently responds within 72 hours stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax and TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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. I have requested proof that this information was mailed or delivered 21 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Eastern Account System for an old XXXX account. 

I did have a XXXX account a long time ago, but I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXX 's instructions I returned all the equipment. 

To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a case with an XXXX office chase worker by the name of XXXX. My case number is XXXX. The number to contact and reach XXXX through the XXXX XXXX office is XXXX ( XXXX ) XXXX. 

Essentially, I deposited an estate check, worth XXXX XXXX dollars, to Chase in which they told me I can not access because the account I deposited it into is a personal and not an estate account. They said the check CLEARED. Meaning XXXX is HOLDING my funds. 

1. I am the executor and beneficiary of the estate in question. The EIN associated with this check is tied directly to me.

2. This situation does not require an estate account because the funds are not part of a probate-related issue. This check is legally tied to my role and should be accessible through my existing account. 
3. Requiring an estate account in this instance is a misinterpretation of banking policies. 

So they need to mail me my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I received a copy of my credit report. To my surprise, Spring Oaks Capital LLC is reporting this account incorrectly. This collection account is not only XXXX, but also shows a past due balance of {$720.00} as of XX/XX/XXXX. According to the Fair Credit Reporting Act, I have the right to an accurate credit report. This account is being reported on the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX  XXXX XXXX XX/XX/year> {$13000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had multiple accounts with chase for years, I recently moved to California and unfortunately was a victim of mail fraud. Chase randomly mailed me a new chase freedom card and it was taken from my mailbox. I noticed multiple charges on my account from various online casinos. I immediately called chase to report these charges. I was told not to worry about it because they have a XXXX XXXX fraud protection and you will not be liable for any unauthorized charges. During there investigation, I wasnt asked for any information or shown any proof that these were correct charges.

Fast forward a month and all these charges get put back on my credit card and Im told that I benefited from these transactions. Which is completely false because I did not make them, and I never received anything from these companies. I immediately called Chase. I asked to reopen the case and asked to see the proof that I made these charges nothing was sent to me or emailed to me. I was only told that my name and email address was used so it mustve been me of course my name and email address was used because my mail had been stolen and clearly they had this information in order to use someones credit card. Youre going to have to place their name into the account. I have even tried to reach out to these merchants and most of them are out of the United States and I can not get in contact of any of them. Chase refuses to reimburse me for these charges and now I need to pay {$4300.00}. They even close all three of my credit cards with them. Im very disappointed in Chase and will never bank with them again. I have been a loyal customer of theirs for over XXXX  years and even was with them when they were Washington mutual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint.The fraudulent accounts are listed in the attachment. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the accounts listed are the results of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint.The fraudulent accounts are listed in the attachment. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the accounts listed are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
The balance is not correct amount. This was predatory loan. The payments showing past due is not correct. This is not the correct amount. I was told the loan was written off. I need the proof that it was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: I.C. System, Inc.
State: GA

Complaint narrative:
The company XXXX XXXX  is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I JUST CHECKED MY CREDIT AND I HAVE UNAUTHORIZED INQUIRIES THAT DO NOT BELONG TO ME I HAVE BEEN A VICTIM OF IDENTITY THEFT AND DATA BREACH XXXXXXXX XXXXS XXXX - XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I JUST CHECKED MY CREDIT AND I HAVE UNAUTHORIZED INQUIRIES THAT DO NOT BELONG TO ME I HAVE BEEN A VICTIM OF IDENTITY THEFT AND DATA BREACH XXXXXXXX XXXXS XXXX - XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
I just checked my credit report and was shocked to find an unauthorized inquiry that I did not recognize. I always monitor my credit, yet this discrepancy suddenly appeared without any explanation. I even attempted to refresh my browser, thinking it might be an error, but it persisted. This is unacceptable, and I demand that this issue be addressed right away. Please go through the documents I have sent carefully to ensure that I never have to face this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
Had an extended warranty through XXXX XXXX XXXX and requested service when oven quit working properly in XXXX of 2024. Paid deductible and Technician came out to inspect and determined parts needed to be ordered. They stated parts were to delivered to the home. By XX/XX/year> only XXXX part had been received so we cancelled the service request and purchased a new oven. Someone called at some point inquiring about the parts and was told again we only received the XXXX part and they asked that it be left on the porch for pick up, which we did. The company should have records where we called in several times inquiring about when the oven would be fixed prior to us cancelling after approx XXXX  months. We also called in XX/XX/year> when we received a demand letter from XXXX. Now this has been turned over to collections! I paid the warranty fee every month for XXXX  months and a deductible for the service but never received a completed service. So why would I owe additional money.

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