vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how or why it appeared. I routinely check my report, and this time, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but it wasnt. The unauthorized inquiry remained, which is completely unacceptable. I need this issue addressed immediately, and I demand a thorough review of the documents Ive submitted so that I never have to deal with this kind of stress again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit 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 explanation
Consumer complaint received 2025-02-12 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: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : 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 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
Hello There, I have explained in detail below, and I don't mind giving you accounts numbers, address, and incorrect names because they don't belong to me, and I shouldn't be seeing them as well. 

My name, address and debts are incorrect on my credit report, this incorrect information has caused me to be turned down for some jobs, and housing. I have tried very hard calling these companies but they refuse to remove it from my credit report, or even call me back. There is incorrect address, and debt accounts listed on my credit report, all which do not belong to be and are becoming a burden on my livelihood. Also, I'd like to address my name, my name is XXXX XXXX XXXX, not just XXXX XXXX, I don't know if that is the reason I have other ( s information on my credit report, but it's causing me a lot of pain and headache in my life. I would like these accounts to be removed all together. I have provided my ID, SSI card and proof of mailing address. 

These ( 6 ) address below are not mine, nor did I ever live at these addresses. 


XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The below ( 5 ) accounts below, do not belong to be nor have I ever done business with any of them. 

XXXX Account number XXXX Account typeOpen account Date openedXXXX XXXX, XXXX Balance {$3600.00} Balance updatedXXXX XXXX XXXX XXXX XXXX Account XXXX Account typeOpen account Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$300.00} XXXXXXXX XXXX XXXX XXXX  Account XXXX Account typeXXXX Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX Account XXXX Date openedXXXX XXXX XXXX Status updatedXXXX XXXXXXXX Balance {$560.00} Balance updatedXXXX XXXX XXXXXXXX Past due amount {$560.00} XXXX  XXXX Account numberXXXX Date openedDec XXXX, XXXX StatusAccount charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$720.00} Balance updatedXXXX XXXX XXXXXXXX Original balance {$1400.00} XXXX XXXX Account numberXXXX Date openedXXXX XXXX, XXXX Status updatedXXXX XXXX Balance updated- Original balance XXXX XXXX Monthly payment- Last Payment DateXXXX 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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX CHASE Incident We are running our accounting software on XXXX XXXX ( QBO ) and we are banking with JP Morgan Chase Bank. 
Our payroll goes through XXXX as well, and we pay our payroll via Chase bank. 

Last year, in XX/XX/XXXX, XXXX of our employees asked us to switch bank accounts in our payroll the day of automatic payroll. 
We werent able to accommodate his request on our end because the payroll in XXXX seemed to already have been processed in the software. 

So instead, we called the XXXX line of XXXX to assist in this matter. 

The lady from XXXX, assisted us via live share of our screen, and we went through the process she directed us to do. The logical steps were to VOID the first automated payroll, enter the new bank account information of the employee, and create a XXXX payroll for the employee to the new bank. She also emphasized that she had placed a stop on the first payment of the payroll in the backend, and it should be fine. Records of this should exist in a recorded line. 

After the call, we were happy that everything was taken care of, and that the employee would receive his payroll to the new bank, since his old bank, also JP Morgan Chase Bank, had stopped his account. 

Fast forward XXXX months, our XXXX found XXXX entries of payroll to that employee. The old one going to Chase, and the new one going to his new bank account. And at that point, our quest and inquiry started. This was XX/XX/XXXX. 

We then, - Called XXXX, who advised that we needed to contact Chase to stop or request payment back online. 
- Called Chase who denied this request since it was too late, and sent us back to XXXX. 
- Called XXXX  then sent us back to Chase requesting to find the trace ID for the payments. 
- Called the employee asking if he had received the first payment to the old bank, and who denied receiving it. 
- Called Chase who found the Trace ID showing that our employee is correct, and that Chase had sent the money back to XXXX - Called XXXX who found the Trace ID showing that the money went back to JP Morgan Chase bank where the money should be today. 
- Called and Texted in dozens of attempts with Chase to find the trace ID and find the money, and who now closed the case on XXXX saying it has been too long time ago. 

We have all the supporting documents to prove that we have not received this money for payroll back from our employee. 
Our bank JP Morgan Chase is simply denying to look into this any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have disputed many times and they refuse to remove a medical bill off my credit report the amount is {$930.00} per the CFPB CFPB 's Recent Rule Eliminates Medical Debt from Credit Reports. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) published a final Rule ( the Rule ) that prohibits consumer reporting agencies from including individuals ' medical debt on consumer credit reports. 

AR RESOURCES INC refuses to remove a medical bill off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GRIFFIN FUNDING, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is an XXXX for Griffen Funding. He said he was able to get me down payment assistance and to apply for the loan. This is misinformation on his part. He never answers his phone and calls back 3 to 4 days later. I would have never even applied for the loan if this was the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
Issue # 1 transferred large balance using a promo offer for XXXX percent interest. Was charged the transfer fee and they never applied promo. Claimed that I did not use the promo to transfer when in fact I had. Card company refused to rectify and I paid off balance. 

Issue # 2 made a payment of XXXX at XXXXXXXX XXXX on the day it was due and was charged a late fee. Called twice to have it removed and am still waiting. 

Issue # 3 completed a new transfer using a promo offer and took a photo of the offer when processing. This company charged me a XXXX percent transfer fee and then used my next payment to pay down the XXXX balance amount instead of the higher rate balance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Danco Financial Services, LLC
State: LA

Complaint narrative:
Danco Financial is reporting the debt as an open account on my credit report but this account has been charged off and is reporting to my credit report inaccurately. Please investigate this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
collection company name XXXX XXXX XXXX account number : XXXX contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX I don't recognize this collection this account where open fraudulently I demand proof that original creditor had a permissible purpose under 15 u.s.c 1681b to access or report my information. absent of such proof, I want them to delete this entry immediately from credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Ive been asking for months for these inaccurate accounts in pending litigation to be removed from my credit report. Ive reached out multiple times, and each time, Im left with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving 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 nor 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