vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter 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 explanation
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used XXXX to pay my provider for 2 dates of service. XXXX deducted the funds from my bank account on XX/XX/XXXX. About XXXX  weeks later, the provider has not received the money to pay for my bill. On XX/XX/XXXX, I called XXXX to inquire about this and was told they will cancel the payments and refund me my money and I should pay the provider directly. I waited over a month for my refund and called XXXX today. I was told no, we don't give refunds. Call your bank to dispute the charges!! I was stunned by this remark as most merchants don't want a chargeback. I called my bank and they said it was too late to dispute. This is ridiculous. I want my money back. This company scammed me. It's only {$120.00} and that's not the point. The point is that they took the money and didn't apply it to my provider! I want my refund!

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 2025-02-28 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: TX

Complaint narrative:
I am following up regarding CFPB Complaint XXXX concerning the inaccurate reporting of XXXX late payments for XX/XX/year> and XX/XX/year> on my credit report, associated with Stellar Finance. Your response states that the data furnisher has verified the information as accurate, yet it fails to address the critical issues I outlined. The reported late payments are factually incorrect and must be removed as they violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Additionally, I provided documentation confirming that Stellar Finances business registration is inactive in Texas and that the companys right to transact business has been forfeited, making them legally incapable of reporting or verifying any account. 

Furthermore, XXXX and XXXX have already removed this account from my credit report, recognizing the inaccuracies I presented. It is unacceptable that Experian continues to report this erroneous information despite clear evidence to the contrary. I would like to see the documentation that was used to determine the accuracy of this account. I have submitted irrefutable evidence directly from my credit report, yet you continue to claim that the information is correct. How is it possible that Experian, as the entity responsible for maintaining consumer credit data, fails to ensure its accuracy? Please provide all documentation used in your investigation, including any paperwork, contracts, receipts, statements, or logs that substantiate your findings. If you can not furnish the requested information, this account must be removed from my credit report immediately. 

I expect written confirmation of the removal within 30 days. Failure to comply will leave me no choice but to escalate this matter further, including legal action if necessary.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following inquiries on my report are unauthorized please remove them immediately : 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 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

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 2025-02-28 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: CA

Complaint narrative:
I am disputing three loan charge-offs appearing on my credit report two accounts under under account name XXXX XXXX XXXX and one account doesn't even provide any information regarding third party information. After reviewing my credit report, I have identified this inaccurate, outdated, or unfairly reported charge-off, and I request its immediate removal under the Fair Credit Reporting Act ( FCRA ). 
These charge-offs are causing significant damage to my credit profile, and I demand that it be properly investigated. According to the FCRA, all reported information must be accurate, verifiable, and fair. If the furnisher of this data can not verify its legitimacy in compliance with federal regulations, the credit bureau must delete it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I am disputing three loan charge-offs appearing on my credit report two accounts under under account name XXXX XXXX XXXX and one account doesn't even provide any information regarding third party information. After reviewing my credit report, I have identified this inaccurate, outdated, or unfairly reported charge-off, and I request its immediate removal under the Fair Credit Reporting Act ( FCRA ). 
These charge-offs are causing significant damage to my credit profile, and I demand that it be properly investigated. According to the FCRA, all reported information must be accurate, verifiable, and fair. If the furnisher of this data can not verify its legitimacy in compliance with federal regulations, the credit bureau must delete 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank/XXXX  XXXX  refuses payment via negotiable instrument/remittance ; breach of contract ; UCC 3-501 ( b ) ( 2 ) ; UCC 3-603 ( b ) ; UCC 3-505 ( a ) ( 2 ) ; Mailbox Rule violation ; no response. Gave Many opportunity for Synchrony Bank to comply with contractual, commercial, and statutory law.refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: OH

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XX/XX/XXXX The problem is I set up a payment Arrangements for XXXX dollars in XX/XX/XXXX. I made the payment on time each month. Meanwhile they were charging me late fees and over limit fees and I increased the balance and payment due to XXXX dollars. I called them and asked for help. Well they ignored my request. Now I found it they set the account to a 3rd party. But I talked to them on XX/XX/XXXX and the XXXX th they sold it without telling Me. That is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested information on available financial hardship programs, interest rate reductions, and structured payment plans to manage my account responsibly. I specifically asked whether Chase offers any options to lower my 30 % interest rate without requiring account closure. I also requested clarification on why my account was deemed not eligible for hardship assistance. 

During this process, a Chase representative hung up on me while I was inquiring about hardship options, which was unprofessional and unacceptable. When I called back, another representative told me that Chase has no hardship plans unless I agree to close my account and that no one at Chase has the authority to lower interest rates under any circumstances. 

Other major banks, including XXXX XXXX, provide hardship programs that reduce interest rates and allow accounts to remain open. Chases refusal to offer any relief while keeping me locked in a 30 % interest rate feels like predatory lending and an unethical business practice. 

Additionally, a Chase representative discouraged me from filing a complaint, stating it would be a waste of time. This further reinforces the idea that Chase is actively working against its customers rather than providing fair solutions. 

What I Want Chase to Do : - Offer a structured hardship plan that reduces my interest rate while keeping my account open, like other major banks do. 
- Investigate and hold accountable the representatives who hung up on me and discouraged me from filing a complaint. 
- Provide a formal written response explaining why my account was deemed not eligible for any assistance. 


Chase Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: VI

Complaint narrative:
I am writing to formally dispute an inaccuracy on my credit report. Upon reviewing my report, I noticed that the JPMCB CARD account ( Account Number : XXXX ) contains incorrect information that needs to be corrected. 

Specifically, my report states that the account was charged off, with a balance written off as {$250.00}. However, this information is inaccurate. The highest balance recorded on this account is listed as {$330.00}, yet my actual payments should not have resulted in a charge-off of this amount. Additionally, the payment history shows continuous " CO '' ( charge-off ) statuses for multiple months, which does not accurately reflect my payment record. The last payment date is listed as XX/XX/scrub> 2022, yet the charge-off status appears inconsistently before that date. 

I kindly request that the credit bureau investigate this discrepancy with JPMCB and correct the inaccuracies in my report. Please update my file to reflect the accurate payment history and remove any incorrect derogatory marks. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough review of this matter, and I expect a response within 30 days of receiving this letter. 

Please send me a written confirmation once the necessary corrections have been made. If the credit bureau can not verify the disputed information, I request that it be removed from my report immediately. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> the amount of {$93.00} was deposited to my XXXX account. The amount of {$43.00} is all that they made available. I've made several attempts to contact XXXX for an answer none of their contact mediums work, including their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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 found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX, Florida XXXX Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$3000.00} 2. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$25000.00} 3. Account name : XXXX XXXX Account XXXX XXXX owed : {$0.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} 5. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$1300.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX Main Account Opened : XX/XX/XXXX Account name : XXXX Main Account Opened : XX/XX/XXXX Account name : XXXX Card Account Opened : XX/XX/XXXX Account name : XXXX Card Account Opened : XX/XX/XXXX Account name : XXXX Card Account 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