vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report inaccurate and incorrect late payments on my credit profile. 

account # XXXX ( credit card ) Inaccurate Late payments- XX/XX/XXXX, XXXX and XX/XX/XXXX. 
account # : XXXX ( auto loan ) Inaccurate Late Payments- XXXX and XX/XX/XXXX. 

They remain in violation of consumer law under : 15 USC 1681a ( 2 ) - EXCLUSIONS Except as provided in paragraph ( 3 ) The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX has failed to disclose all facts listed in section 1637 ( b ) without any omission as required under the FCRA to me as a consumer. They also inaccurately conveyed all relevant information about these erroneous accounts to the original furnisher ( XXXX XXXX XXXX XXXX ), even when the response was improbable or illogical on its face, or when XXXX has other information available to suggest the furnisher in unreliable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following accounts. Block and remove them

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX XXXX I sent my wife to Chase bank to make a cash deposit into my business checking account of XXXX. The machine malfunctioned and spit out an atm receipt reading To be sure your deposit went through, please call us at XXXX. So i proceeded to call and i had to start a dispute for this transaction. Ultimately my claim was denied and chase refused to issue my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I have purchased various Mastercard and Visa gift cards from Blackhawk Network California in retail stores ( e.g. XXXX ). They say to go to XXXX  or XXXX ( for XXXX and XXXX gift cards, respectively ) to check balances and register the cards so you can make purchases online. 

However, for at least a year this website does not work across multiple browsers, XXXX XXXX, trying incognito mode, wifi and cell service - nothing works. If you go online and search there are other people complaining about this issue going back at least several months. The only alternative is to call into their customer service center, wait through a very long phone tree to get a representative, then have to verbally spell out and confirm all the relevant info to register a card over the phone. This can easily take 20-30 minutes to register a couple cards, versus a few minutes online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Each credit bureau failed to delete the following listed fraudulent inquiries within 4 days of the FTC filing. The FTC report was filed XX/XX/year> and should have been deleted by XXXX. These inquiries are currently still fraudulently reporting to each bureau. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 

XXXX, XXXX, and Equifax are also in violation according to 15 U.S Code 1681c-2, which states : a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 4 business days and XXXX XXXX EQUIFAX are in violation of this law because I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently deposited a check via Venmo, I wanted to transfer those funds into my bank account for safety measures but as I did so, I was given an abrupt email saying I violated an agreement or the action was suspicious and may have violated their terms. As Ive read through all information regarding transfers, I see no Ive not violated anything. But my account remains suspended and I feel as though they are withholding my money without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CT

Complaint narrative:
Experian is providing information about a legal matter that has been dismissed. I provided a copy of the court document and the account remains on my report where other reporting agencies have deleted.

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 2025-01-12 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: VA

Complaint narrative:
Unauthorized inaccurate reporting abusing my rights under FCRA 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 2025-01-12 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$750.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX Account # : {$1000.00} Balance : XXXX Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX XXXX  Account # : XXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRE ( S ) 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 2025-01-12 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following account. Block and remove them.

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 2025-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: GA

Complaint narrative:
If they sold the car it shouldnt be a balance it should be a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  showed proof that this is inaccurate information

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 2025-01-12 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: NJ

Complaint narrative:
Experian removed accounts and address in question then reinserted the same accounts and information.

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 2025-01-12 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: DC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for the listed account to be blocked and deleted. Please delete the following : 1. 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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
Received a noticed that I had a collection on my account on the XXXX of XX/XX/XXXX. I have been receiving calls with no one speaking to robocalls from various numbers for past couple of months, I attempted to call XXXX the XXXX XXXX, multiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill. no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/XXXX named XXXX. I have tried since up till the XXXX of XXXX to receive proof. numbers I have received calls from : ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX since XX/XX/XXXX. Automated call from a XXXX XXXX robocall. Reported to FCC as I asked to no longer be contacted by phone, and done though mail. random times thoughout day. would pickup and they hung up. numbers i called : XXXX, and ( XXXX ) XXXX listed on website. horrible communication, and still no proof via mail sent. I want this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I contacted Newrez to request PMI removal in XX/XX/year>. An automated message advised that it would take 20 business days to review, but I never heard back from anyone at Newrez. 

As this is an unnecessary expenditure, based on my loan balance, I would like PMI removed and the additional insurance charged since I initially contacted Newrez. Thank you for your assistance with this.

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 2025-01-12 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: PA

Complaint narrative:
Dear Experian Dispute Resolution Department, I am writing to formally demand the immediate removal of all accounts on my credit report that I have previously disputed. Based on the allegations outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, it has become clear that Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The CFPBs action alleges that Experian systematically failed to conduct reasonable investigations into consumer disputes, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This statutory provision mandates that credit reporting agencies conduct a good faith investigation of disputed items and ensure the accuracy of the information in consumers credit reports. Furthermore, the lawsuit highlights that Experian reinserts deleted information without properly notifying consumers, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). 
Given these allegations and Experians pattern of noncompliance with federal law, it is reasonable to conclude that my previously disputed accounts were not investigated in accordance with the standards required by the FCRA. This failure undermines the integrity of my credit report and has caused undue harm to my financial standing. 
As such, I demand that Experian immediately and permanently delete all accounts that I have previously disputed from my credit report. Failure to comply with this demand will leave me with no choice but to escalate this matter, including filing formal complaints with the CFPB and considering private legal action for Experians willful noncompliance with the FCRA. As you are aware, 15 U.S.C. 1681n provides for statutory damages, punitive damages, and legal fees for willful violations of the FCRA. 
I expect written confirmation within 30 days that all previously disputed accounts have been removed. This letter serves as a formal record of my demand, and a copy will be retained for submission as evidence in any future legal proceedings. PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-12 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
I went into JG wentworth 's debt relief program, they told me to stop paying all my credit cards and loans. They started taking out the money bi weekly. I received a letter saying I had repaid one loan that they negotiated down for me. Now that same debt has been sold to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MD

Complaint narrative:
To whom it may concern, This letter serves as a formal dispute regarding the grossly inaccurate reporting of account # XXXX. Specifically : The account reflects a 30-day late payment for XX/XX/XXXX on XXXX and XXXX, yet XX/XX/XXXX on Equifax. This blatant contradiction is impossible and indicative of negligent reporting. 
The " date last reported '' is also inconsistent : XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on Equifax. 
These discrepancies are not only erroneous, but they are actively damaging my credit score and impeding my ability to obtain credit. The lack of consistency violates your obligations under FCRA 611 ( 15 U.S. Code 1681i ) and raises serious concerns about the integrity of your investigation processes. 

Additionally, I direct your attention to the recent CFPB lawsuit against XXXX for its inadequate investigations and systemic non-compliance. Let this letter serve as notice : failure to conduct a proper and lawful reinvestigation may subject your agency to legal action, including claims for negligence, defamation, and willful non-compliance under the FCRA. 

I demand the following actions immediately : A thorough reinvestigation of the late payment, including verifiable documentation proving its accuracy. 
A correction of all inconsistencies in reporting across XXXX, XXXX, and Equifax. 
An updated credit report reflecting " paid on time '' if the information can not be verified. 
This matter is urgent. Under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to respond within 30 days. Failure to address these violations satisfactorily will leave me with no choice but to escalate this matter through litigation, regulatory complaints, and all other available remedies. 

I expect prompt action and full compliance. Do not underestimate the seriousness of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: GA

Complaint narrative:
account was closed and the balance is XXXX so why they keep reporting. that against the law.

31usc3123 15usc1 28usc3002 15usc1666b 15usc1681i 15usc1681s2

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 2025-01-12 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: NJ

Complaint narrative:
I sent a notice of dispute to XXXX  on XX/XX/XXXX that I have not received a response to as of XX/XX/XXXXXXXX  which is past the 30 day threshold and a violation of the FCRA. I disputed the inaccurate reporting of a late payment on my consumer report for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleged that I failed to make the minimum payment of {$25.00} on my credit card. This information is incorrect and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Please see attachment for further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.

Company response to consumer: Closed with explanation