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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
HSABank 's website allows consumers to submit healthcare expenses and upload receipts associated with those expenses. Consumers can then have those expenses paid directly to provider or reimbursed to consumer if already paid. The website keeps record of expenses to provide confirmation that HSA funds are used for eligible expenses. 

I submitted my expenses as well as uploaded receipts throughout XXXX. In XX/XX/XXXX, after a redesign of the website, several of my expenses had been removed from my account, along with the receipts. There is no record of them. I have called multiple times and been told over and over by representatives that it didn't happen, that the website doesn't work that way, that nothing is deleted or removed from accounts. I've requested a trouble ticket or complaint case or something to be opened to investigate what has happened. HSABank refuses to help me, not accepting that their system could possibly have a glitch or bug or problem at all. My expenses were there, my receipts were there, and now they are gone. No explanation. And no one believes me.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my 4th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FIN XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 4th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX FIN XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}

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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I urge the immediate deletion of fraudulent information from my credit file. This erroneous data, resulting from fraud, should have been removed already but remains unjustly listed. Under FCRA Section 605, you are obligated to correct and eliminate any inaccurate records. I have previously provided the required supporting documents and am resubmitting them for your review. My attorney has been informed and is prepared to take legal action if this issue is not promptly addressed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX/XXXX/2025 XXXX XXXX/XXXX/2025

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: NY

Complaint narrative:
I urge the immediate deletion of fraudulent information from my credit file. This erroneous data, resulting from fraud, should have been removed already but remains unjustly listed. Under FCRA Section 605, you are obligated to correct and eliminate any inaccurate records. I have previously provided the required supporting documents and am resubmitting them for your review. My attorney has been informed and is prepared to take legal action if this issue is not promptly addressed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX/XXXX/2025 XXXX XXXX/XXXX/2025

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> while booking a reservation for the XXXX XXXX XXXX, XXXX, a XXXX XXXX  XXXX  on the XXXX XXXX Website, as part of the checkout process I was given a limited-time offer to apply for a XXXX XXXX XXXX XXXX XXXX XXXX promised the following, " Limited-Time : {$400.00} XXXX  + XXXX Points '' which XXXX showed this savings for my booking : Total Stay XXXX USD XXXX - XXXX USD Total after XXXX XXXX USD The annual fee for the card was shown as {$95.00}. 

Due to the offer providing a {$400.00} eGiftCard that it said I could use on the current booking, I applied for the credit card and was approved, figuring the {$400.00} would cover XXXX  years of the annual fee, made it a good deal. 

However, the credit card company " baited and switched '' the offer, and instead of giving me what was promised, they gave me an offer that would only give me {$150.00} statement credit, after the first purchase ( which was immediate because after the card was approved in the checkout, it automatically used it for the booking I was booking ) and will give me XXXX points but only after I spend {$3000.00} on purchases in my first XXXX months after opening the account. 

I feel this is deceptive advertising and a " bait and switch '' they performed on me. Had the offer been what was given I would never have applied as the annual fee is too high for a measly {$150.00} statement credit. 

I reached out to XXXX and they refused to fix the issue that was obviously caused either intentionally or through a defect in their software, even after asking to talk with the agent 's manager ( both the initial agent and the manager gave the same XXXX answer that they could not change it to the correct offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Asset Recovery Solutions, LLC
State: NC

Complaint narrative:
I have signed up for XXXX XXXX XXXX for a loan of {$9500.00}, but later I said I don't need the program anymore, but they said the time limit to decide is over. 

Right now I am struggling financially to repay the amount. and they ask me to {$1000.00}, then after {$200.00} a month. But I told them I have a family to take care of and I can only pay {$100.00} a month. They told me it was not going to work. 

and i don't want that information to show on my report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to TransUnion. Their records falsely reflect several payments as late, despite the fact that they were made on time. These errors have remained on my credit report, unfairly damaging my credit score and causing unnecessary frustration.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon checking my credit report today, I was alarmed to see accounts that do not belong to me. I have no explanation for how they appeared, as I routinely monitor my report and have never seen these discrepancies before. Hoping it was a simple glitch, I refreshed my browser, but the incorrect accounts did not disappear. Due to this issue, I am requesting a careful review of the documents Ive provided so that I can have peace of mind moving forward.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on there 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 funds trasfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and i seek appropriate redress for these violations.

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

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed XXXX {$3300.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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: VA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed XXXX {$3300.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX and BAnk of America had a breach of my personal information. Requesting all credit account removed from all three credit bureaus

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: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XX/XX/XXXXHope you can address this soon, please.

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 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My complaint concerns a fraudulent and misrepresented hotel booking facilitated by XXXX. I booked a hotel through XXXX ( XXXX by XXXX XXXX XXXX, XXXX - XX/XX/year> thru XXXX ; Price {$730.00} ) based on XXXX  advertised amenities and conditions. Upon arrival, I discovered that the hotel was still under construction, lacked promised amenities ( pool, gym, alcohol license ), and was unsafe due to active construction noise. Additionally, I witnessed blood on the ground just steps away from my room, further making us feel unsafe and uncomfortable. 

I attempted to dispute this charge through Chase ( my credit card issuer ) under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) for services not rendered as promised. However, Chase declined the dispute, stating that I stayed the entire time and therefore received services.

Chases reason for denial is flawed because : - I had no reasonable alternative upon arrival. I had already paid for my stay, and the hotels unsafe, misrepresented conditions were only discovered after check-in.

- The hotel was in an unlivable condition, making " staying '' under duress different from voluntarily accepting the service. 

- XXXX canceled my reservation AFTER my stay, acknowledging that the booking was invalid. 

Under the Federal Trade Commission Act ( 15 U.S.C. 45 ), XXXX is legally responsible for ensuring that services advertised on its platform are accurate and not misleading. 

The Fair Credit Billing Act ( 15 U.S.C. 1666 ) allows disputes for services that were not as described, even if the service was used. In this case, I was forced to remain at the property only because XXXX and the hotel failed to disclose critical, unsafe conditions prior to my arrival. 

Requested Resolution : -- A full refund of my booking cost, as the services were not rendered as advertised -and the hotel was unsafe.

-- A review of Chases handling of this dispute, as their rejection contradicts the consumer protections under FCBA. 
-- A formal investigation into XXXX misleading advertising practices for hotel bookings.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
An unauthorized inquiry suddenly appeared on my credit report this morning, and I have no clue why. I checked my report as usual, only to find discrepancies that werent there before. Hoping it was a glitch, I refreshed my browser, but the inquiry remained. This is beyond frustrating, and I demand that my documents be carefully examined so I can put this stressful situation behind me.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Used my debit card at a local XXXXXX/XX/XXXXand within the same day my card was used to pull out money from a non chase atm. This has happened before and the bank has not helped me on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX- DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXX/XX/XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX XX/XX/XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX XXXX -- DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXXXX DATE OPENED XX/XX/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