vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased XXXX XXXX  XXXX without active noise cancellation from ChXXXX XXXX XXXX  on XX/XX/XXXX for XXXX Points. The order was delivered on XX/XX/XXXX. On XX/XX/XXXX I discovered that wireless charging isn't working for the product. I called XXXX ( XXXX ) XXXX and stated that I would like to return the defective product. They asked me to call apple XXXX support and call them back with a case id. I called XXXX support, and they told me that the version of XXXX XXXX I have ( w/o noise cancelation ) does not support wireless charging. That was a surprise because it wasn't mentioned anywhere on the Chase rewards portal- neither for the version of XXXX XXXX I purchased, nor for the one with active noise cancelation. That was absolutely misleading, and I wouldn't have purchased the airpods in the first place if I new that. So I called back to Chase rewards support at XXXX ( XXXX ) XXXX and told them that they had incorrect description, which made me thing there is no difference between the 2 versions in terms of charging. They refused to issue a refund or accept a return due to XXXX policies of a defective item. I escalated this and asked for a manager. The manager also refused. I mentioned again that it is not about the defectiveness of the item, but is about misleading/inaccurate description of the product. For comparison, XXXX does explicitly mention that a version w/o noise cancellation does not have wireless charging on XXXX. Chase Rewards portal doesn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery states and account was open with a balance of {$270.00} XX/XX/year> and I have no knowledge. I dont have any contractual agreement with them therefore it goes against USC 15 262..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
My inquiry to the County Recorders of Deeds and U.S. Bankruptcy Course confirmed XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor this distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. I need all tax lien and bankruptcy information currently showing my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted closely monitoring my credit file. Per the Federal Law you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate late payment entries on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed late payment notations that I believe are incorrect and should be removed. 

The details of the disputed accounts are as follows : Creditor Name : XXXX XXXX XXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I request that you investigate this matter and provide validation of these late payments. If the creditor can not verify the accuracy of these entries, I kindly ask for their removal from my credit report. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation of disputed information. If the information can not be verified, it must be corrected or removed within 30 days.

These late payment are hindering my ability to get approved for an apartment and a vehicle. Therefore keeping me from getting a reliable job to bring in more income. 

Thank you for your time and assistance.

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 2025-03-04 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:
I am writing to formally dispute the inaccurate late payment entries on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed late payment notations that I believe are incorrect and should be removed. 

The details of the disputed accounts are as follows : Creditor Name : XXXX XXXX XXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date of Alleged Late Payment ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I request that you investigate this matter and provide validation of these late payments. If the creditor can not verify the accuracy of these entries, I kindly ask for their removal from my credit report. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation of disputed information. If the information can not be verified, it must be corrected or removed within 30 days.

These late payment are hindering my ability to get approved for an apartment and a vehicle. Therefore keeping me from getting a reliable job to bring in more income. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which have resulted in unknown accounts appearing that I have no connection to. After further investigation, I realized that I have been a victim of identity theft. My personal information was used fraudulently, leading to these unauthorized accounts being added and mixed to my credit file. Following the appropriate steps, I filed an identity theft report with the FTC, as advised by TransUnion, and submitted all necessary documentation. However, despite taking these actions, these fraudulent accounts remain on my report.

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 2025-03-04 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: TX

Complaint narrative:
On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
I called Experian today and after waiting on hold for an hour and thirty minutes I was connected with a representative by the name of XXXX. I stated the nature of my call was to inquire about the follow up info on my credit file that did not change after a re-investigation of inaccuracies that I disputed. Experian 's representative XXXX was rude, refused to confirm my any information with me and would not validate my tracking number on the certified documents I mailed to the bureau and the companies reporting the inaccurate information, nor would she transfer me to a supervisor. I asked was my dispute fully investigated with strict validation as I requested in accordance with FDCPA law and XXXX became irrational and disconnected the call. 
Experian is repeatedly reporting inaccuracies, charge-offs and collections from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Department of Education on my report. This is illegal and and unlawful according to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Re-aging the account and changing the open and closed dates and including active payment history on old closed accounts. Experian is failing to investigate properly and when I inquired with the

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 2025-03-04 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX XXXX I was in XXXX XXXX. While at a social gathering, I left my bag unattended. Apparently, someone went into my bag and used a card reader to make a fraudulent medical charge using my chip. On XX/XX/XXXX, I noticed the charge and immediately contacted Citibank to report it fraudulent while the charge was still pending. However, around XX/XX/XXXX, I checked the dispute center on their website to see why my account had not been credited and it said " Your dispute is resolved and no credit has been issued. Customer Responsible. '' I have contacted them multiple times inquiring as to why and I was told it was being escalated and that someone would get back to me. After waiting four weeks for a response, I wrote them a letter stating that if someone did not get back to me regarding this charge, I was going to report it to the CFPB. I received a letter stating they were reopening the inquiry. However, as of XXXX XXXX XXXX, 2 months later, I still have not received a credit and have received no other communication from Citibank regarding this dispute. I did what I was supposed to do reporting the charge as fraudulent the day after it happened. They could have cancelled the charge and not paid it, but they didn't ( apparently ) and now are ( apparently ) holding me responsible for someone stealing my credit card information while I wasn't paying attention. I had no idea anything had been done as all my cards had been put back into my wallet as they were. These people charged every single credit card and debit card I had on me. I had to cancel all of my cards. 

I also filed a report on identitytheft.gov and filed a police report with my local police department. 

The letter I sent to Citibank on XX/XX/XXXX, the police report, and the identitytheft.gov report are all attached. Additionally, I am attaching a screen shot of of Citibank 's Fraud & Dispute center showing this item as " Customer Responsible, '' as well as the XX/XX/XXXX letter from Citi that they were looking into my dispute. But I received no further communication regarding the dispute except what appears on the screen shot I am sending. 

The charge appears on my credit card statement as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$330.00}. ''

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 monetary relief
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I WAS A VICTIM OF IDENITY THEFT. I FOUND FRAUDLUENT CLOSED CREDIT CARD ACCOUNT ON MY REPORTAND THAT WERE NOT OPEN BY ME. THIS BEEN HURTING MY CREDIT REPORT AND MY FEELINGS SINCE I AM PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT SOON AS POSIBLE. HERE IS THE INFORMATION FOR THAT CLOSED CREDIT CARD ACCOUNT. XXXX XXXX OPEN ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/year>, BALANCE {$16000.00}. THANK YOU IN ADVINCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
Subject : Follow-Up on Dispute Submitted on XX/XX/XXXXXXXX  Failure to Properly Handle Credit Profile Complaint In Reference # XXXX I am writing to follow up on my dispute submission dated XX/XX/XXXX, regarding the continued issues I have experienced with Equifaxs handling of my credit profile. Over the past year, from XX/XX/XXXX, to XX/XX/XXXX, I have received more than 35 letters from Equifax claiming that they can not locate a credit file for me. However, when I contact Equifax, my credit file is found after I identify myself and provide documentation. 

This repeated occurrence is not only frustrating, but it also appears to be a deliberate tactic to evade addressing my legitimate disputes, which I believe constitutes fraudulent activity. Despite my numerous attempts to resolve this issue, including submitting relevant documentation, Equifax has continued to fail in providing a clear and accurate credit report. 

I demand that Equifax take immediate corrective action to : Properly locate and update my credit profile. 
Provide me with a comprehensive and accurate credit report that reflects my true credit history. 
Resolve all outstanding disputes I have submitted in a timely and accurate manner. 
Please note that if this issue is not rectified immediately, I will have no choice but to pursue legal action with my attorney to protect my rights and seek compensation for the harm caused by Equifax 's continued failure to maintain an accurate credit profile for me. 

I request a formal response to confirm that the issues have been resolved within 15 days of receiving this letter. Failure to address this matter promptly will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

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 USC1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX {$23000.00} Account Name : XXXX XXXX XXXX XXXXXXXX {$600.00} Account Name : XXXX XXXX # XXXX {$9700.00} Account Name : XXXX XXXXXXXX XXXX XXXX {$980.00} Account Name : XXXX XXXX # XXXX {$1500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Account Name : XXXX XXXX XXXX XXXXXXXX {$62.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} Account Name : US Dept of ED/XXXX XXXX XXXXXXXX {$510.00} I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2025-03-04 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit repot, leavingg inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation