vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: PA

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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-02-19 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: KS

Complaint narrative:
I submitted a dispute with experience XXXX of XXXX because XXXX XXXX which who I had a XXXX credit card through issued by XXXX XXXX is reporting that the account is open. The account is not open I voluntarily close this account XXXX of XXXX. The result of the dispute that I filed with Experian in XXXX was completed XX/XX/XXXX they changed nothing on my credit report and showing the account still as open when it is closed. I will be attaching a letter that I received from XXXX XXXX XXXX XXXX issuer of XXXX credit card stating to the fact that the account is permanently closed.

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 2025-02-19 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: FL

Complaint narrative:
I have contacted XXXX XXXX several times, including discussions with both customer service and their fraud department, regarding a late payment that occurred in XX/XX/year>. I was XXXX due to the XXXX XXXX XXXX XXXX  and, as a result, was unable to make the payment on the scheduled date. Prior to this, I had informed the company in advance and was assured that my credit would not be impacted. However, my account currently reflects a late payment in XX/XX/year>, which I kindly request to have removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I have contacted XXXX XXXX several times, including discussions with both customer service and their fraud department, regarding a late payment that occurred in XX/XX/year>. I was hospitalized due to the birth of my son and, as a result, was unable to make the payment on the scheduled date. Prior to this, I had informed the company in advance and was assured that my credit would not be impacted. However, my account currently reflects a late payment in XX/XX/year>, which I kindly request to have removed.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Correct Full Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Please remove this and update my last name Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove this inaccurate information Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please Update my address on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NV

Complaint narrative:
I received a XXXX XXXX card with my name on it from Cash App, issued by XXXXXXXX XXXX I have never had an account with or applied anything from them. I have checked my credit reports with all 3 credit bureaus and XXXX with no inquires at all. I have tried to contact Cash App but they needed my information to proceed which I was extremely not comfortable with and then I tried to contact Visa directly, they redirected me to XXXXXXXX XXXX  the card issuer and XXXXXXXX XXXX told me that they will inform Cash App to close my account. However, there is no way to know where they had my information and my consent to open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Dispute Regarding Unauthorized Furnishing or Obtaining of Credit Information ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the inclusion of my personal credit information in your records and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the responsibilities of consumer reporting agencies and entities furnishing or obtaining credit information. I have reason to believe that my credit information has been furnished or obtained by your agency without my written consent, which is a violation of the requirements under the FCRA. As per 15 U.S.C. 1681b, consumer reporting agencies and third parties must have a permissible purpose to access or report a consumer 's credit information, and they must obtain written consent from the consumer when required. I have not authorized or given written consent to any party to furnish or obtain my credit information through your agency. I request that you immediately investigate this matter, remove any and all unauthorized entries or inquiries from my credit report, and provide me with written confirmation that my rights under 15 U.S.C. 1681 have not been violated. If you find that any entries or inquiries were made in error, or without my authorization, I request that they be permanently removed from my credit file. Additionally, I request that you provide me with a copy of any information, records, or documentation that was used to make the determination that my credit information could be furnished or obtained without my consent. If you are unable to provide this, I demand that the entries be removed in accordance with the law. Please send me a written response within 30 days of receiving this letter, confirming that your investigation is complete and detailing the steps you have taken to correct any errors or violations. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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 has failed to fulfill 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 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 Experians 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
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
I requested for charge off accounts and collects to be remove from my credit report that was paid off thru insurance company of the lender that is still showing a balance and accounts that I do not have a binding contract with.

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 2025-02-19 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: MD

Complaint narrative:
I requested for charge off accounts and collects to be remove from my credit report that was paid off thru insurance company of the lender that is still showing a balance and accounts that I do not have a binding contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a debt validation letter to XXXX XXXX on XX/XX/year>. They did not provide me the validation requested on or before the 30 day. They provided me with garbage mail just to say they sent me something. I filed the dispute and the credit bureau Did no investigation. They removed it and restored it on my credit report within 24 hours.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a debt validation letter to XXXX XXXX on XX/XX/year>. They did not provide me the validation requested on or before the 30 day. They provided me with garbage mail just to say they sent me something. I filed the dispute and the credit bureau Did no investigation. They removed it and restored it on my credit report within 24 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: V and H Portfolio
State: CA

Complaint narrative:
I have sent a debt validation letter back in XXXXXXXX XXXX XXXX. Im still being harassed even though I havent been sent any debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-19 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:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient moved my account to XXXX upon which I have paid off. The transfer took place XX/XX/year>. Navient is still reporting the balance on my credit report. Could you please have them close my account and zero out my balance? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

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. 
XXXX XXXX XXXX, ( Original Creditor. XXXX XXXX ) account # XXXX Date reported XX/XX/XXXX amount {$580.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$390.00}. XXXX XXXX XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$120.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$22000.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$420.00}. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 

15U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 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 2025-02-19 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: TX

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. 
XXXX XXXX XXXX, ( Original Creditor. XXXX XXXX ) account # XXXX Date reported XX/XX/XXXX amount {$580.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$390.00}. XXXX XXXX XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$120.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$22000.00}. XXXX XXXX account # XXXX date reported XX/XX/XXXX amount {$420.00}. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 

15U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I paid XXXX bills through my XXXX bill pay app on XX/XX/XXXX. All payments posted within 24 hours. Except my CapitalOne credit card. The due date was XXXX XXXX. They posted my payment on the XXXX. Which earned me a hefty late fee of {$40.00}. This has happened to me several times in XXXX as well. Today, I spoke with one of their representatives and he was unable to reverse the late fee. Then, I spoke with supervisor XXXX. He claimed he couldn't reverse it either. How can I stop them from doing this?? I'm down {$160.00} in late fees as well as the interest they charge. I feel helpless in this situation and could sure use your help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-19 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: MD

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief