vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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:
I filed a dispute regarding incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were initiated by me directly, not a third party. I even called them to verify my identity, yet they still refused to process my disputes. As a result, I feel that my time and money were wasted, as I had to mail my disputes and provide personal information for identity verification, only for them to fail to thoroughly investigate the issue.

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 2025-01-26 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:
I filed a dispute regarding incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were initiated by me directly, not a third party. I even called them to verify my identity, yet they still refused to process my disputes. As a result, I feel that my time and money were wasted, as I had to mail my disputes and provide personal information for identity verification, only for them to fail to thoroughly investigate the issue.

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 2025-01-26 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: NC

Complaint narrative:
I terminated my membership in the XXXX XXXX XXXX. They then put false information on my credit file for nonpayment and negative information. It is a XXXX XXXX with the right to terminate my membership at any time. It was a pressure sale and it was just not worth the amount of money to be in that club. They refuse to remove the information out of spite. This is not a debt and they have evil business practices toward consumers. Terrible XXXX XXXX and very expensive worst decision of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems ( {$730.00}, {$440.00} ) XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX ( {$700.00}, {$680.00}, {$650.00}, {$420.00} ) XXXX, XXXX. XXXX, XXXX XXXX XXXX ( {$300.00}, {$1100.00} ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( {$1900.00} ) XXXX. 

Was never notified my " debt '' was being sold off to an 3rd party. Also being called from 3rd party everyday. This is harassment at this point. I also had no contact from the original creditor about this. Also these companies are banned being used or reported from the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Heres the revised letter with the recent additions removed : -- - To whom it may concern : I am writing to bring to your attention a matter of significant concern regarding Portfolio Recovery Associates ( PRA ). On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) ( Complaint ID : XXXX ) due to the persistent and unwarranted phone calls I have been receiving from PRA. These calls have occurred with such frequency that I felt harassed on a daily or near-daily basis. 

In addition to the excessive calls, I sought clarification on why PRA was contacting me, as there had been no prior communication from their side before these calls began. In my complaint to the CFPB, I included a formal Cease and Desist request under 15 USC 1692c ( c ), as well as a demand for Validation of Debt under 15 USC 1692g ( b ). Despite these legal obligations, PRA 's response did not adequately address my requests as required by law.

While PRA acknowledged receiving the Cease and Desist notice, they assured me they would cease all communications regarding the account. Unfortunately, this commitment has not been upheld, as evidenced by a recent notification of PRA 's insertion onto my consumer reports, indicating a violation of the Cease and Desist order by communicating with an unauthorized third party. 

I have enclosed a copy of my complaint for your reference, which details the ongoing issues with PRA and their failure to comply with legal obligations. This situation has caused significant distress and inconvenience, and I trust that your prompt attention to this matter will ensure swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Sapphire Reserve is refusing to honor a promo where you spend {$400.00} on Back XXXX and receive up to {$200.00} off. This expired on XX/XX/XXXX which is the day we made the purchase. We felt comfortable doing so because the FAQs on Chase website explicitly state the following " My transaction posted to my account after the Chase Offer expired. Will I still earn a statement credit? 
As long as you or any cardholders made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. If you don't receive your statement, please call the number on the back of your card. '' you can find the link here https : //www.chase.com/personal/merchant-offers/faqs In the chat with representative they stated we did not purchase this before the deadline when we had already proved to them with the receipt on XX/XX/XXXX proving date of purchase. We also provided them a screenshot of their FAQ page where it states the above mentioned as well. The receipt was not acknowledged nor was the FAQ page. They simply reiterated that we did not purchase this before XX/XX/XXXX which we have proof of. They have stated there are many issued with the Backcountry promo such as this but are declining to speak to us further or resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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: Lockhart, Morris & Montgomery Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX ct [ XXXX ar XXXX ] [ XXXX ] XXXX XX/XX/XXXX XXXX XXXX Disputes XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. Despite previously submitting disputes regarding these issues, the inaccurate entries remain unresolved, and I am requesting immediate correction. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and in light of recent legal actions against XXXX for failure to comply with these regulations, as noted in the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). 

According to the CFPB, XXXX has failed to maintain reasonable procedures to ensure the accuracy of credit report information and has not adequately investigated disputes. I am experiencing a similar issue, as the following items on my credit report are incorrect, and have not been rectified after previous dispute attempts : LOCKHART, MORRIS & MONT Original creditor XXXX XXXX Balance {$7300.00} Balance updated XX/XX/XXXX For each of these items, I have included supporting documentation to validate my claim. These documents XXXX include bank statements, payment records, or letters from creditors verifying that the information reported is incorrect. 

I request the following actions : A thorough re-investigation of the listed entries and removal or correction of the inaccurate information. 
A detailed explanation of the findings from your re-investigation. 
A copy of my updated credit report showing the corrected information. 
Please note, I am entitled to receive a response to this dispute within 30 days, as required under the FCRA. I also expect that your investigation will adhere to the standards set by the CFPB and the FCRA, ensuring that all information provided in my credit report is complete, accurate, and verifiable. 

If this issue is not resolved within the appropriate timeframe, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NM

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital syst is saying i owe XXXX dollars for a bill that's not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-01-26 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally report that I have been a victim of identity theft, which I believe resulted from the XXXX and XXXX XXXX breaches. As a result, TransUnion is reporting inaccurate and fraudulent information on my credit file. Pursuant to 15 USC 1681c-2 ( a ), I am requesting that TransUnion block the reporting of this fraudulent information to protect my rights as a consumer. Please take the necessary steps to investigate this matter and ensure compliance with federal law. 

XXXX XXXX XXXX XXXX- {$1500.00} Date Opened - XX/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 2025-01-26 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 XXXX XXXX XXXXXXXX XXXX, XXXX, has violated my rights. 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 : i also states a consumer reporting agency can not famish a account without my written instructions.

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 2025-01-26 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: FL

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, Account number : XXXX. 
XXXX. XXXX XXXX XXXX, Account XXXX. 
XXXX XXXX XXXX, Account number : XXXX, XXXX. XXXX XXXXXXXX XXXX, Account number : XXXX XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. Department of ED. Account number : XXXX. 
XXXX. XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 

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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
Inquires made that I didnt authorize XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
Inquires made that I didnt authorize XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX 2024

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 2025-01-26 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: KS

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. I am a victim of identity theft, these remarks have been detrimental to my life and credit health.

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 2025-01-26 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: KS

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. I am a victim of identity theft, these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: IA

Complaint narrative:
I attempted to remove a fraudulent collection report initiated by XXXX who provided me with a letter stating that I was not responsible for the debt due to identity theft. I supplied Experian with the letter and they reported back to me that they verified the debt with XXXX. How can this be when I gave them XXXX 's letter stating I was not responsible? They obviously did not investigate my complaint and lied with their reply.

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