vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I tried to call cash app numerous times.. when I finally got thru, they tried telling me that my account was closed because of fraud activity. When I asked them the dates and time this supposedly happened they would hang up the call. I would call back again and they would go silent, then I would here buzzing. You know when call hangs up and then starts buzzing XXXX I tried to log into my cash app .. says account closed. I used this app to send my fiance money in the service. Now we have to use XXXX. XXXX takes longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
So for starters, I have numerous reports on my credit that does not belong to me on my hard inquiries, and my derogatory marks for the Credit Report companies XXXX & Experian. Some of them are as old as 2022, which means the normal two years that has passed by that usually leads to a change in your credit report has not happened since the two years of the original date for some of them has passed. I have done dispute reports for mostly all of them and yet nothing has changed at all. One of the other problems is me and my father has the same name, so theres a very high possibility that these credit reports that are being put on my credit most likely belong to him and are affecting me. My credit score should be way higher than what it is. Ive had to build my credit score up to a fair score while having these unnecessary and mistakes of file reports on my credit score over the years. This is not fair at all, and I truly believe I deserve these to be removed from my credit report and to be compensated for the unsettling results of a company that could not comply with their customers over all these years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I requested an Amortization Schedule, but was denied because my interest is " variable interest '' ; however, my interest rate capped on XX/XX/XXXX and will remain the same throughout the duration of my loan. There is no reason why I should not be provided with this request as my interest rate is not changing. Secondly, I requested a full payment history, but was only provided a partial payment history. My mortgage began in XX/XX/XXXX, but Chase only provided a payment history dating back to XX/XX/XXXX. When I called to request the omitted portion, I was told that, " no one at Chase can provide me with the omitted portion. '' The representative, XXXX, refused to transfer me to a supervisor stating, " the supervisor can not provide the requested information - no one can. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states : 'There is a need to guarantee that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' XXXX and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by XXXX XXXX. XXXX, which establishes that financial institutions have a continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. As a furnisher of information to credit agencies, these institutions are considered financial institutions under the law. 

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. Neither XXXX, XXXX nor any furnisher of information to these agencies has my written consent to share my information. I hereby revoke any prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt out of such disclosure. I was never informed of this right to opt-out. Moreover, under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no consumer reporting agency may include adverse information in a consumer report that is more than XXXX years old, except for criminal convictions. The account being reported is an adverse item, and its reporting without my consent violates this provision. 

Furthermore, under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Additionally, XXXX XXXX. XXXX requires that consumer reporting agencies maintain reasonable procedures to ensure compliance with Section XXXX and limit the furnishing of consumer reports to permissible purposes under Section XXXX. XXXX and XXXX are failing to maintain such reasonable procedures. 

Finally, under XXXX XXXX XXXX, consumers have the right to opt-out at any time. I am formally exercising my right to opt out of your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$95.00} XXXX XXXX - XX/XX/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under 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 2025-01-29 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 decided to start looking into purchasing a home but when my credit was ran ; I noticed that there was a lot of wrong information and fraudulent activity on my credit report which I did not do nor I was aware of. Im a victim of identity theft due to living in XXXXXXXX XXXX. The credit bureau Data Breach was hacked. I had tried so many times to get my information updated and changed on all 3 credit agencies but to no luck. I also tried on numerous times to dispute any misinformation & fraudulent but they refused to remove them off my credit report. There are a lot of late payments & open accounts on my credit report which have effected & harm my credit score to the point that I wasnt able to get anything in my name because of all the old accounts information & fraud accounts on my credit report.This has caused me a lot of stress, anxiety to my livelihood. If you can please help me fix this ongoing issues. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I recently filed a dispute with XXXX regarding my personal information. I requested the removal of an incorrect address from my credit report due to inaccuracy. To support my request, I provided my correct address along with a copy of my drivers license and a utility bill. However, I received an email stating that the address had been updated rather than removed because additional supporting documents were needed, despite the fact that I had already provided them. I have not been successful in uploading the documents to the website as well. The FCRA The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) is the federal law that governs credit reporting agencies and requires them to remove inaccurate or unverifiable information from a consumers credit report. Please removed the disputed information from my credit report. Report number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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 2025-01-29 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: CA

Complaint narrative:
I'm writing to request immediate action regarding the persistent inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital Quick Silver I am having alot issues with this Credit Card I had to close my account to get caught on it, but everytime I pay a payment {$46.00} on one of my account they add a {$33.00} purchase interest I don't use this card for anything I want to pay up my account but with High interest rate like this I am not going every be able to pay my credit card off. I am on XXXX want to clear these cards up and can't with high interested added to a close account! I have two cards with Capital One Quick Silver one they don't add any interest but one they do don't make since at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
Account name : XXXX XXXX XXXX Account number:XXXX XXXXXXXX XXXX XXXX Account number: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.

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 belive that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
This tradeline on my credit report is not reported with the maximum possible accuracy, which is a clear violation of reporting standards. I demand that you delete this entry from my credit report immediately, as it is incorrect and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 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: SC

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
this account was charged off and my info was sold to a 3rd party. I do not own this debt. 
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i disputed things they are reporting that's false and when asked to provide verification that these things are accurate they have failed to do so. Twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My fixed rate mortgage was transferred to Mr. Cooper last year after 30 years with XXXX XXXX. They are a terrible company. I paid my taxes, insurance, and escrow and my mortgage still went up. I called 4 different times over the month of XXXX and received 4 different responses. There own voice recording on XXXX states that their systems are experiencing issues and you may see incorrect information. 
1 ) The 1st agent in early XXXX stated she saw the escrow payment, however, their system had not caught up 2 ) second agent said payment would be updated 3 ) third agent told me my payment was actually going down by {$8.00} a month to {$970.00} 4 ) XXXX finally admitted that yes, everything was paid in full and the new amount of {$1000.00} was based on Mr. Coopers projection. 
This is purely a junk fee to boost their bottom line. I know a bit about this as I was the chair of a credit union and worked for a former banking commissioner. 
I have NEVER paid everything IN FULL and been faced with an increase in 30 years. I see that they have been sued for junk servicing fees before. I am a senior citizen on a fixed income. I paid the escrow and I want these fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount Recovery states that I owe {$1600.00} for a hospital bill dated XX/XX/2023. I contacted the hospital and was able to confirm that I never owed anything. The hospital was able to provide me with an itemized bill that shows this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief