vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The mixed information on my credit report is outrageous. Accounts that are not mine are listed under my name, causing severe harm to my credit score. Despite multiple complaints, absolutely nothing has been done.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with PORTFOLIO RECOVERY ACCOCIATES, LLC. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. PORTFOLIO RECOVERY ASSOCIATES , LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX for medical attention. The hospital charged a deposit of CHF XXXX ( Swiss Francs ), equivalent to {$740.00}, to my Chase credit card until the invoice was issued. On XX/XX/XXXX, upon my request, the hospital sent me an invoice by email, showing three amounts : 1. Deposit : XXXX 2. Total amount : XXXX 3. Amount due : XXXX ( XXXX XXXX XXXX ) This bill implies there was an overcharge of CHF XXXX ( {$500.00} ) to my credit card. I have disputed this amount with Chase, but they have refused to refund my credit card. 

Below is the sequence of events : On XX/XX/XXXX, before receiving the invoice, I submitted the dispute under " I used a different payment method for this purchase '' because the hospital and my health insurance company were supposed to work out the charges. When Chase requested evidence of the payment, I could not provide it and they denied the dispute. 

On XX/XX/XXXX, I sent Chase a letter explaining that the dispute should have been filed as an overcharge, providing the details, and the invoice. Chase reopened the dispute with date XX/XX/XXXX. On XX/XX/XXXX, Chase denied the dispute arguing that " The merchant reviewed your dispute, but didn't find evidence of a billing error. '' On XX/XX/XXXX I requested the overcharge dispute to be reconsidered, sending a letter, the invoice again, and the credit card statement. The opened the dispute with date XX/XX/XXXX and denied it with date XX/XX/XXXX, arguing that " The merchant reviewed your dispute, but didn't find evidence of a billing error. '' Moreover, Chase 's dispute tracker system shows, with date XX/XX/XXXX that " We canceled your dispute at your request '' which I never asked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Lack of Response from TransUnion on Credit Dispute Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against TransUnion for failing to respond to a credit dispute I initiated on XX/XX/XXXX regarding an inaccuracy on my credit report. The disputed item concerns a XX/XX/XXXX Loan account reporting with several inaccuracies on it. 

In my original dispute, I referenced 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information contained in consumer reports. Given that I did not receive a response from TransUnion within the legally required timeframe, I am deeply concerned about their failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is adversely affecting me. I request that since this account has not been verified and is inaccurate, that it be deleted from my credit profile. 

I respectfully request that the CFPB investigate this matter to ensure that TransUnion complies with its legal obligations and provides a timely resolution to my dispute. 
Attached to this letter are copies of my original dispute letter that was mailed to Transunion along with my supporting documents of CA Drivers License, SS Card, and a utility bill. I appreciate your assistance in helping me to resolve this issue. 

Thank you for your time and attention to this matter. Please feel free to contact me if further information is needed. 

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 non-monetary relief
Consumer complaint received 2025-01-09 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: DISCOVER BANK
State: NV

Complaint narrative:
The company said they did investigation which I know they did not because some of the companies are still reporting incorrect contract dates from when the actual Services started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MIDFIRST BANK
State: NV

Complaint narrative:
The company said they did investigation which I know they did not because some of the companies are still reporting incorrect contract dates from when the actual Services started.

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened an account on XXXX XX/XX/XXXX and didn't get the " bonus '' and then when I tried to transfer money to my account after providing every piece of information they asked for and already transferring money once they suspended my ability to transfer money. I was told I have to show that I OWN the account that I transferred my money from IN PERSON! I already provided the information online and can't get back to the bank for at least a week due to the fact that I am a XXXX  VETERAN without transportation. UPDATE!!! After I wrote a review of TD Bank they have since BLOCKED my access to my account and my money from my Veterans XXXX check!!!!! 

Date of experience : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$430.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Historical info Original creditor XXXX  Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$430.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Your statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NM

Complaint narrative:
I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-08 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: WA

Complaint narrative:
I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. I will attach the FTC reports here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. Fraud accounts are the ff : 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

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 2025-01-08 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and my SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
We have been making additional payments above and beyond our minimum due since this account was first opened/transferred to Shellpoint. Shellpoint for several weeks/months was not reflecting these additional payments on our account which has resulted in me calling them and creating several customer service tickets which are reflected upon our account since XXXX. Some customer service reps would tell me they knew how to fix the issue, and to just check back in a week. Eventually we received a letter that said we were late on a payment ( even though our dashboard showed we had made every payment, on time, and were in fact OVER PAYING against our minimum due ). I called in XXXX and was told to ignore the letter, that the over payments were simply not being recorded and that the service rep I spoke with that day would fix it all. Now today my wife and I have both received alerts on our credit reports that we have a past due account with XXXX XXXX. This is unacceptable. For XXXX people that literally over pay this is absurd to make matters worse I was told I would not hear back from their credit department for at least XXXX business days.

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 2025-01-08 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-08 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: DE

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you Will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : ( XXXX 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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
1 ) UpstartXXXX XXXX  Upstart Loan Operations/Upstart Network Inc. - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to respond to my request, well past 30 calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity bank called my relative multiple times and told them that I owe a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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:
TransUnion fails to provide me with my credit report details or allows me to proceed further with dispute details and/or submitting additional documents pertaining to already opened or new disputes. 
Upon requesting access to my credit report... information provided by TransUnion comes up blank. No options to access dispute center and/or to submit relevant information pertaining to negative information and/or compromised accounts. 
TransUnion has no records of my credit history that spans from XXXX and listed oldest account since XXXX. 
XXXX lists 6 negative accounts, but won't provide me with access/information pertaining to these account or allows me to dispute said information. 
XXXX lists XXXX account as revolving line of credit, rather than remaining balance. 
XXXX will not allow me to obtain information from previous disputes and/or update information pertaining to new disputes. Company lists oldest account dated to XXXX and has no information for me having credit accounts since XXXX. 
XXXX fails to remove/amend/correct negative information on my report despite being provided ( numerous times via certified and priority mail ) supporting documents substantiating my claim. 
XXXX was provided Police & FTC ID theft reports, payment history records, detailed chronological chain of events and explanation of incidents that occurred pertaining to alleged late payments, but failed to correct it.

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 2025-01-09 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-09 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-08 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:
It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX WAS AUTHORISED TO AUTOMATICALLY WITHDRAW SIX MONTH AUTO INSURANCE PREIMUM FROM MY CHASE BANK ACCOUT. AMOUNT {$1700.00}. 
NEITHER CHASE BANK MOR XXXX XXXX CAN ACCOUNT FOR THE WITHDRAWL DETAILS WITH VERIFICATIONS.

Company response to consumer: Closed with explanation