vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Took more than 30 days and 15 U.S. Code 1681e states ( b ) Accuracy of report 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. I have disputed multiple accounts multiple times these accounts being shown charged off but yet still showing an active balance and the capital one says paid as agreed but yet it shows late payments and a charged off balance I know credit card companies want you to pay on time that's what you agree too so all of theses are not showing maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. The fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-12 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: CT

Complaint narrative:
These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) Due to inadequte customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timley and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, theirdispute resolution processwas 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 2025-03-12 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>XXXX  I got an email stating my credit limit was raised. This was one day prior to my payment being due. I had made a late payment, contacted the credit holder, CHASE Bank, to get a forgiveness, as I had not missed a payment the ENTIRE time I've had the card. I also have another card with them, which I have also NEVER been late on. They never contacted me back about the forgiveness. The next day my credit limit was cut by almost 60 %. This resulted in an immediate drop in my credit score by about XXXX points. I went to use my card again in XXXX, after making a payment of {$2500.00} and my card was declined. I then find out that my credit was again lowered by more than half. Lower than when I first got the card. I made similar payments to my other card with Chase and another card with a different bank in late XXXX. My total credit-to-debt ratio should have been lowered. I was looking into why my credit score had dropped again and why, after making these payments, my score still hadn't risen. I called Chase and was told that the decision to lower my score was based on 5 factors, one of which wasn't true and all of which centered around their dropping my credit limit in XXXX. They punished me severely for being late ONCE and then punished me a second time for the effect of punishing me. How is that fair or legal? There was no answer as to why they dropped my credit limit the first time. The only information I got was this was decided at the beginning of XXXX based on some " random '' review of credit limits they conducted. However, my credit was lowered in XXXX, not XXXX. I asked for more information, but that is all that I got. Then I got hit with the " if you want us to re-review this then you will need to agree to a hard credit pull to review if we can offer you a higher limit. ". However, he already said they reviewed my credit report to make the finding in XXXX. So they lied, pulled and used my credit report without my consent, or this is their new process. Interestingly this all happened right after this Administration started gutting the CFPB. I had requested my complaint be escalated. Still waiting for a response. 
I think a class action lawsuit may be necessary at this point. I want them to reinstate my credit limit. Plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I made settlement XXXX  on XX/XX/XXXX and was told I would receive email proof of settlement 12-24 hours. I STILL havent gotten email settlement. I am about to LOSE my space because I havent gotten it which will cost me STORAGE fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted XXXX multiple times about this isssue. My last time was in XX/XX/year>. A representative name XXXX told me that the inquiry is not open on there end. I directed me to call chase bank to resolve the issue. I called chase bank in they ask me do I have an account with them and I do not. I told them theres a hard inquiry on my report thats unauthorized and I want it removed. Chase to me they deal with a lot of companys so they couldnt verify the inquiry even with the information I gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Deletion Due to Equifax Failure to Respond within 30 Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear XXXX I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX ], has failed to respond to the dispute. 

As per the law, since Equifax has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file.

Therefore, I request that you delete the [ XXXX XXXX XXXX # XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions. 

Failure to comply with my request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights.

Failure to remove this account will also violate Fair Debt Collection Practices Act ( FDCPA ) section 1692g. Which I will be requested a {$1000.00} for each violation.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: TX

Complaint narrative:
This letter is in response to your communication regarding an alleged debt. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I request that you provide me with the following information : The original creditor 's name and address. 
The original account number. 
The current amount of the alleged debt. 
A copy of the original contract or agreement that created the debt. 
Documentation that you have the legal right to collect this debt. 
An itemized accounting of the alleged debt, including all charges and payments. 
Please provide this information within 30 days of your receipt of this letter. 

Be advised that until this debt is validated, I dispute its validity. If you fail to provide the requested information, I request that you cease all collection efforts immediately. 

Please be aware that under the FDCPA, you are prohibited from continuing collection activities until you provide me with verification of the debt. 

Thank you for your cooperation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I was a victim of id fraud. Caine and Weiner has filed a collection on my credit for XXXX I have never applied for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I requested that the company discontinue harassing me over the phone. I asked them to provide me their legal standing to collect debt in the state of Texas because they were not registered with OCCC or the Texas Secretary of State which they have to be. I requested verification and validation of the debt where they present me with proof that I authorized the debt and signed for the debt. I asked them for a contract that gave them the right to collect the debt on behalf of XXXX XXXX XXXXXXXX and they did not provide anything related to the information as I requested.

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 2025-03-12 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-12 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-12 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: CA

Complaint narrative:
Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries Ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my approval nor my consent, which is a violation of FCRA, 15 USC 1681b - Permissable Purposes of Consumer Reports. 

Ive attached my identity theft report and an invoice for fines per FCRA.

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 2025-03-12 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: OH

Complaint narrative:
I sent any complaints to Experian in XXXX and they have not taken care of removing inaccurate information from my credit report that is in violation of 15 15 U.S.C 168. 
Experian is in penalty and I am requesting monetary relief or payment for these penalties in the amount of XXXX to {$1000.00} in payment for inaccurate information addresses names closed accounts all that information that has been in my previous complaints each penalty I would like compensation for.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief