vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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:
My name is XXXX XXXX I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. These late payments are dramatically hurting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, all information furnished to credit reporting agencies must be complete and accurate. I formally request that you : Provide proper verification of the late payments, including the original creditors documentation confirming these delinquencies ' accuracy and reporting dates. 
If you are unable to verify this information with proper documentation as required by federal law, I request the immediate removal of all late payment notations from my credit reports with all reporting agencies. 

Additionally, I would like to point out my commitment to maintaining a positive credit history. Aside from these isolated late payments, my account has been managed responsibly. Given this, I am also kindly requesting, as a gesture of goodwill, that these late payments be removed. Such an adjustment would better reflect my overall payment history and allow me to continue building a strong financial profile. I will also attach my credit report, and you can see all the inaccuracies in each bureau

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 2025-02-24 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: GA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-24 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: MD

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
I used CashApp to purchase an item online, the purchase pended for XXXXXXXX XXXX and ultimately was completed. Upon checking my email, I had no receipt or confirmation of the payment from the vendor. I email them, explain the situation, and they tell me they didn't receive the payment on their end and to dispute this charge with CashApp. I screenshot this email thread and forward it over to CashApp, to which they deny on XXXX occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
Please kindly reference report # - XXXX XXXX. All XXXX XXXX caused somebody to break into my XXXX XXXX XXXX XXXX account, causing business disruption. I reference the NY State DFS Complaint # XXXX which impacted my business. Additionally, XXXX XXXX reduced my credit card balance and I sent XXXX XXXX a XXXX to increase it and they refused to process it causing business disruption so they need to remove ALL negative remarks. XXXX XXXX XXXX XXXX has had a broken system for years. On Friday, XX/XX/XXXX XXXX called me threating me with litigation. I have been asking XXXX for over a year to fix the broken system and he refuses to. He also promised me on that day to send me a way to automatically pay and he never did therefore all negative remarks need to be removed. For XXXX XXXX I told the bank to make sure that my bank accounts were linked for XXXX  between personal and business and they never did so they need to remove negative remarks and they did agree to do so and experians complaint didn't do anything to fix this or anything above. XXXX has broken the Fair credit reporting act because they put my mortgage in foreclosure and even show XX/XX/year> missed payments????? They have a broken system and breached a contract and we are in court and they are talking about settling. I have told them I am putting payments in escrow with my lawyer so it should not be in foreclosure. Experian didn't resolve this. XXXX  XXXX XXXX conducted retaliation and closed my business account impacting my ability to pay bills on time additionally I am in litigation with them and they are breaking the law. Negative remarks need to me removed. All of my items are in court here and my credit score stays at XXXX??? I am protected by identity theft laws yoo. This is unacceptable.

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 2025-02-24 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: NY

Complaint narrative:
Please kindly reference report # - XXXX XXXX. All XXXX XXXX caused somebody to break into my XXXX XXXX XXXX XXXX account, causing business disruption. I reference the NY State DFS Complaint # XXXX which impacted my business. Additionally, XXXX XXXX reduced my credit card balance and I sent XXXX XXXX a XXXX to increase it and they refused to process it causing business disruption so they need to remove ALL negative remarks. XXXX XXXX XXXX XXXX has had a broken system for years. On Friday, XX/XX/XXXX XXXX called me threating me with litigation. I have been asking XXXX for over a year to fix the broken system and he refuses to. He also promised me on that day to send me a way to automatically pay and he never did therefore all negative remarks need to be removed. For XXXX XXXX I told the bank to make sure that my bank accounts were linked for XXXX  between personal and business and they never did so they need to remove negative remarks and they did agree to do so and experians complaint didn't do anything to fix this or anything above. XXXX has broken the Fair credit reporting act because they put my mortgage in foreclosure and even show XX/XX/year> missed payments????? They have a broken system and breached a contract and we are in court and they are talking about settling. I have told them I am putting payments in escrow with my lawyer so it should not be in foreclosure. Experian didn't resolve this. XXXX  XXXX XXXX conducted retaliation and closed my business account impacting my ability to pay bills on time additionally I am in litigation with them and they are breaking the law. Negative remarks need to me removed. All of my items are in court here and my credit score stays at XXXX??? I am protected by identity theft laws yoo. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$700.00} - tied up XXXX  XXXX XXXX Balance : {$630.00} - tied up XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$700.00} - tied up XXXX  XXXX XXXX Balance : {$630.00} - tied up XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-02-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
I asked debt collector to provide me debt validation, they sent me account statements but not original contract with my signature. I don't belive this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
Not within FRCA GUIDELINES! They did not need show proof of original debt and how this is proven to be my debt. This is an inaccurate investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am requesting copies of all charges, receipts, visits for each account and signed agreements. On XX/XX/XXXX I stopped by the XXXX location to ask about receiving credit for unused time that my vehicle was tied up with the insurance company. At that time I was asked which account, I was unaware there was XXXX accounts for the same vehicle. I cancelled both accounts and asked for a refund for unused time and was told no problem since it was shown on the computer. When I received my credit bill I was shocked that only 3 months were refunded for the XXXX account. When I asked the manager via phone conversation XXXX he stated no such receipts can be printed or produced. When asked for a refund or future credit, it was denied. XXXX stated he was the highest level of XXXX XXXX for me to contact and instructed me to fill out the contact me on the XXXX XXXX website. The manager of the XXXX location contacted me and stated I needed to speak with XXXX, putting me in an endless loop of customer support that would not resolve this error. 
I am writing to dispute XXXX duplicate charge of {$15.00} per month for the period from XX/XX/XXXX to XX/XX/XXXX and XXXX charges of {$20.00} per month for the period from XX/XX/XXXX to XX/XX/XXXX to my Chase credit card account ending XXXX for a total of {$270.00}. The charge is in error because these are duplicate charges for the car wash service for the same vehicle. There is an apparent glitch in the camera system / computer software that scans license plates for car was entry and duplicate accounts created for same vehicle. For example, the items werent delivered or services rendered as the last visit for that account was on XX/XX/XXXX because the XXXX account was being charged as XX/XX/XXXX was the last visit date. 
Since no goods or services were provided for the duplicate credit charges, and no receipt or agreement was provided. I am requesting that the error be corrected related to the disputed amount to be credited to my credit card account or check mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX claiming to be a debt collector that is collecting on behalf of PayPal the amount of {$350.00}. I do not owe PayPal anything and I know for a fact that someone created a fraudulent PayPal account in my name, using an email I have never owned because they paid themselves XXXX $ twice back in XX/XX/XXXX. PayPal did not honor my request to reject the charges and my bank ended up paying for the fraudulent charges. Now this letter tells me I owe XXXX! I wasnt me! I am writing this to this portal cause I know PayPal is gon na. I ti he to believe it was me when it wasnt. I worked so hard to build my credit and it is so unfair!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I went to jail couple months ago for driving a stolen vehicle that I didn't know it was stolen. I was bailed out, The charges where dropped when I went to court by the owners because it was not me that they had in camera.

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 2025-02-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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