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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XX/XX/year> Dear CFPB Representative, I am filing this formal complaint against XXXX for knowingly violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account under a different collection agency without proper verification. 
Background of Experians Violations : 1. I previously disputed a fraudulent collection account from XXXX XXXX XXXX, which was removed from my credit report. 

XXXX. XXXX has now reinserted this same debt under IC System Inc. without legally required notification or verification. 

XXXX. XXXX falsely verified the dispute within three days ( XX/XX/year>, to XX/XX/year> ) without providing proof. 

I previously filed a complaint with the CFPB regarding Experians practices, and the CFPB referred my case to the Federal Trade Commission ( FTC ), which resulted in the removal of other inaccurate accounts. However, XXXX continues to engage in deceptive practices, acting as if it is above the law. 

FCRA Violations Committed by XXXX : Illegal Reinsertion of Previously Deleted Accounts : Under FCRA 611 ( a ) ( 5 ) ( B ), XXXX must notify consumers within five business days if a previously deleted account is reinserted. They failed to do so.

Failure to Provide Proper Verification : Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I have the right to request detailed proof of verification, which they have not provided. 

Pattern of Unlawful Behavior : XXXX is already facing a lawsuit from the CFPB for these exact violationsre-inserting previously deleted accounts under different collection agencies without proper verification. 

Immediate Action Requested : I demand that the CFPB take immediate enforcement action against XXXX and require the following : 1. Complete removal of the IC System Inc. account from my credit report within five ( 5 ) business days.

2. A full investigation into Experians unlawful reinsertion practices and a penalty for their repeated violations. 

XXXX. Written confirmation that XXXX has removed this account from my credit file. 

Legal Consequences if Not Resolved : If XXXX fails to remove this account within five business days, I will : File a follow-up complaint with the FTC for XXXX continued noncompliance. 

Pursue legal action against XXXX for violating my rights under the FCRA. 

XXXX blatant disregard for federal law must be addressed immediately. I have already exhausted the dispute process, and they continue to act unlawfully. Please ensure this account is removed without delay. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
In XX/XX/year> I bought a debit card for my mother who has been in long term hospice in XXXX VA. This was to allow her to order items such as pin pointing materials to occupy her in addition to have visitors buy her food or coffee away from the XXXX XXXX XXXX. In XX/XX/year> there was a charge on the card for {$230.00} that she did not make. She was unable to make the purchase and the vendor/store is not even in the state of VA. We filed a dispute to the charge and it took 90 days to get an email that the dispute was not approved. I sent 5 emails and phone calls to them to determine the reason and I was advised they would call me back but each time they did not. I contacted the Corporate Office and left detailed message but no calls were returned. My mother could not have made this purchase she is bed-ridden and the card has never been outside her possession, and the company refuses to tell me why it was not approved and who the vendor / store was. As you may be aware the store codes are not public so looking them up for a citizen is impossible, but the company has access. As a result I had to purchase another card for my mother. Note this company has many branded cards that are available for different markets ( attachment ) Respectfully XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX Any help would be deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I spoke with SOFI yesterday XX/XX/year>2025. I asked for an update on the funds from my.account and if a new check was issued. They are telling me still to take this matter up with XXXX regardless the fact that I have sent proof that XXXX has sent the check back due to not having any information on it. I will attach the email recieved from XX/XX/XXXX that I recieved this morning as well. Were simply asking if they can stop payment payment on the check they originally sent out and issue one with the information requested from XXXX so they can identify the check when they recieve it or electronically send the funds. This has been going on for almost 3 months now and is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
1. Debt Collector never properly validated the debt.

2. Debt Collector never provided a copy of Original Purchase Agreement that shows that they legally own the debt.

3. Never produced proof that they are legally able to collect in my State, nor have they shown or proved that they are bonded in this State.

4. Without providing required information under the law they are reporting on my credit report. I believe that the company has a Third Party Arbitration system and has failed use this method before taking collection actions with the knowledge that there is a disagreement.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Late/Open Inquiries 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 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX  Balance {$15000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$8000.00} Date Opened XXXXXXXX XXXX XXXX XXXX

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

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX until now they never answered phone when they did they ran it several times they have taken over XXXX dollars in a year from my account sending it to whoever and I cant call or talk to a person and cant text until it clears from bank dont make sense

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: AL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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: EQUIFAX, INC.
State: NV

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. I have attached copies of supporting documents ( e.g., payment records, correspondence, identification ) to substantiate my claim. Under FCRA 1681i, you are required to investigate and correct or remove any inaccurate, incomplete, or unverifiable information within 30 days.

Please provide me with a written confirmation of your findings and any actions taken. Please confirm receipt of this letter and provide an update on the status of my dispute. 
Sincerely, XXXX XXXX

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I made a purchase in the amount of {$1100.00} on my Chase credit card on XX/XX/year>. On XX/XX/year> I contacted the merchant and requested a refund. The merchant confirmed the refund, I went on my Chase account and saw the refund listed on my pending transactions. This refund sat on my pending charges on my Chase account for 6 days then disappeared and never posted to my account. Now Chase says they have never seen the refund and to contact the merchant. The merchant works in the same office building I do and we have spoke and they have confirmed the funds withdrew from their account and provided a receipt of the refund.

I have given the refund receipts to Chase and they keep telling me to contact the merchant that they don't have record of the refund. Again the refund showed under pending transactions for 6 days on my Chase account.

I have not had issues with Chase in the past regarding refunds of lesser amounts. After doing some research it seems this happens often when Chase has larger refunds to process.

Company response to consumer: Closed with explanation