vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been attempting to resolve a recurring dispute with XXXX for several years now involving not XXXX, but XXXX of my American Express credit cards. 

On XX/XX/XXXX, XXXX charged my card ending in XXXX {$12.00} for services I do not have and have not used. I disputed the charge the same day, which was closed in my favor and I was refunded. 

On XX/XX/XXXX, I was again charged {$12.00} to my card ending in XXXX. I did not realize it had been charged and therefore did not dispute it. 

Ten months later, on XX/XX/XXXX, I was charged {$12.00} a third time on my card ending in XXXX. I disputed the charge the same day. I was charged yet again on XX/XX/XXXX to my card ending in XXXX. I also disputed this charge. 

On XX/XX/XXXX and XX/XX/XXXX, American Express closed my disputes in Yahoos favor and rebilled these amounts. XXXX apparently produced unsigned receipts for unidentified purchases, which American Express seem to have found were sufficient. XXXX did not produce a contract. 

I then attempted to contact XXXX through the phone number listed on the transaction. After being rerouted to no less than five different numbers, I finally contacted XXXX  corporate office and left a voicemail. I was then contacted through e-mail by XXXX of XXXX XXXX XXXX. Unsurprisingly, XXXX refused to communicate in writing and would only speak to me over the phone. During this phone conversation, XXXX informed me that I would no longer be charged, and processed refunds of both the XX/XX/XXXX and XX/XX/XXXX transactions and I considered the matter resolved. I also placed a merchant block on my card ending in XXXX. 

You can imagine my utter surprise and outrage when I was billed on a different card a total of {$60.00} over XXXX transactions on XX/XX/XXXX and XX/XX/XXXX. My card ending in XXXX was charged {$12.00} on XX/XX/XXXX, {$24.00} on XX/XX/XXXX, {$12.00} on XX/XX/XXXX, and another {$12.00} transaction on XX/XX/XXXX. 

Upon further investigation into this issue, it appears that I overlooked similar charges from XXXX to my card ending in XXXX on XX/XX/XXXX ( {$12.00} ) and XX/XX/XXXX ( XXXX transactions totaling {$48.00} ). It is unclear how or why XXXX has indiscriminately decided to charge one card or the other. 

In total, I am owed {$120.00} to date by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-03-27 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: CA

Complaint narrative:
I enrolled in the XXXX XXXX Multi-Cycle Discount Program in XX/XX/XXXX and paid {$34000.00} for XXXX  XXXX  cycles, including XXXX XXXX ( s ). According to the contract ( Section 1.c ), I am entitled to a 50 % refund if I transfer all XXXX  from the first XXXX cycle and withdraw from the program before starting the second XXXX  cycle.

I completed one XXXX  cycle and transferred all the XXXX, I then informed XXXX  XXXX  that I wished to withdraw from the program in accordance with Section 1.c, before initiating the second XXXX  cycle. 

Despite clearly meeting the refund conditions, XXXX XXXX has refused to honor the refund, falsely claiming that I must wait for the XXXX outcome or that I'm in the middle of treatment. These requirements are not stated anywhere in the contract. Their refusal to process my 50 % refund violates the written agreement. 

I have made multiple attempts to resolve this directly with XXXX XXXX, including written requests dating back to XX/XX/XXXX, but they continue to delay and provide inconsistent responses. This feels deceptive and exploitative, particularly during a vulnerable medical journey. 

I am requesting assistance in getting a {$17000.00} refund ( 50 % of the program fee ) as clearly outlined in the contract. I can provide the full agreement, email correspondence, and proof of services rendered upon request. 

I used chase credit card to make the purchase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Today I deceiced to review my credit report. Yes I was extremely upset because I notices there collection accounts reporting on my credit report. IAs I study the different laws for protection I read where the Grammar Bailey Act is the main one where my rights to privacy is covered with this Act. I was wondering how these debt collections are allowed to have my personal information. This is invasion of my privacy. Not only that I discovered that these debt collectors do not have my written consent. I am demanding these collection to cease and desist from communicating with me through email, mail and credit reporting. Here are the following collection agency and accounts that need to cease and desist based on the Gammar Bailey Leach Act and federal laws. 
XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
Huntington bank has been reporting 11 late payments on my credit report for years that have been since XXXX They all still appear on my account as if they were recent. My brother asked me to help him be his co-signer for a vehicle and we both are on the account. W shave tried to contact the bank and they have been telling us to call different phone numbers and never get to anyone who can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-03-26 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: IL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX  Lender Account number : 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 2025-03-26 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I request that TransUnion immediately delete the disputed accounts unless they can provide complete documentary verification, as required by the FCRA. 

If TransUnion can not provide that proof, the information must be removed from my credit report. 

I also request that the CFPB investigate this case as a possible pattern of noncompliance, since I have been identified as a class member in Norman v. TransUnion, and I have opted out to pursue individual legal action.

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 2025-03-26 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.
State: LA

Complaint narrative:
The credit reporting bureaus are showing an incorrect address of XXXX XXXX XXXX. XXXX . XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit reports. I have never lived at this address and have asked repeatedly that it be removed. Also my Equifax score is showing XXXX on the Equifax website but showing XXXX on XXXX XXXX. Equifax did not update my account information and show an account was closed and a new one was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NV

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 XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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. 

15 U.S.C. 1681B ( 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 2025-03-26 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am formally disputing inaccurate and fraudulent information on my Early Warning Services ( EWS ) report. The following account does not belong to me and appears to be the result of identity theft or a reporting error : * XXXX XXXX XXXX Account # XXXX I demand an immediate investigation and the removal of this account from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : * 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures * 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors * 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : * A copy of my government-issued ID * My EWS report * A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution. 
Failure to comply may result in legal action. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I requested XXXX remove this medical debt in collections as the new CFPB law requires. XXXX XXXX refuses to remove. This debt is affecting my ability to obtain employment.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report, as i have identified multiple errors that violate my consumer rights under federal law. I request an immediate investigation and removal of these inaccuracies per the following legal provisions. 

~ 18 U.S. code 1028 prohibits fraud and misuse of identification, including inaccuracies or misrepresented data on my credit report ~ 15 U.S. code 1681b Limits permissible purpose for reporting and accessing my credit file, which may have been violated if accounts were inaccurately reported or accessed. 

~ 15 U.S. code 6802 Requires financial institutions to provide privacy protections and obtain consent before sharing my personal data.

Any unauthorized sharing or incorrect reporting must be rectified.

~ 15 U.S. code 1692g Mandates that debt collectors provide proper validation of debts, If any account listed in my report were not validated properly, they must be removed. 

I request the following inaccurate items be removed from my credit report 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 In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to conduct a proper investigation and remove any unverifiable, inaccurate, or outdated information from my credit report. If these accounts can not be verified they must be deleted promptly. 


Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report, as i have identified multiple errors that violate my consumer rights under federal law. I request an immediate investigation and removal of these inaccuracies per the following legal provisions. 

~ 18 U.S. code 1028 prohibits fraud and misuse of identification, including inaccuracies or misrepresented data on my credit report ~ 15 U.S. code 1681b Limits permissible purpose for reporting and accessing my credit file, which may have been violated if accounts were inaccurately reported or accessed. 

~ 15 U.S. code 6802 Requires financial institutions to provide privacy protections and obtain consent before sharing my personal data.

Any unauthorized sharing or incorrect reporting must be rectified.

~ 15 U.S. code 1692g Mandates that debt collectors provide proper validation of debts, If any account listed in my report were not validated properly, they must be removed. 

I request the following inaccurate items be removed from my credit report 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 In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to conduct a proper investigation and remove any unverifiable, inaccurate, or outdated information from my credit report. If these accounts can not be verified they must be deleted promptly. 


Sincerly, 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