vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction :

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I submitted an initial dispute with XXXX XXXX XXXXXX/XX/year> to dispute inaccurate information being recorded on my Credit Report by Portfolio Recovery Associates. 

I mailed a debt validation letter via certified mail to Portfolio Recovery Associates on XX/XX/year> and to this day have not received a validation of that debt. A copy of the letter is outlined as such : Subject : Debt Validation Request under 15 U.S. Code 1692g To Whom It May Concern, I am writing in response to a collection notification received on XX/XX/year>, regarding an alleged debt referenced as account number XXXX. 
This is not a refusal to pay, but a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Please treat this letter as a formal request for the following information : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including a breakdown of any fees, interest, or charges ; 3. Copies of any documents bearing my signature showing my responsibility for the debt ; 4. Verification that you are legally authorized to collect debts in my state ; 5. A copy of the judgment showing that you have the right to collect that debt from me.

Please also be advised that under 15 U.S. Code 1692g ( b ), you are required to cease all collection activity until the debt has been properly validated. This includes reporting the debt to credit bureaus. 
I request that all communication with me be in writing and sent to the address listed above. If you do not validate this debt, or fail to respond within 30 days, you must cease all collection efforts and remove any negative information from any credit reporting agencies you may have notified. 

On XX/XX/year> I received an email from Portfolio Recovery Associates attempting to collect a debt. I have attached an image below. Portfolio Recovery Associates have violated my rights according to the Fair Debt Collection Practices Act 1692G which states that they must : Within 5 days of the initial communication, a debt collector must send the consumer a written notice containing : The amount of the debt, The name of the creditor and a statement that the consumer has 30 days to dispute the validity of the debt. Not only did I not receive said notice, but I disputed this through XXXX for validity and received no response. Furthermore, since my dispute was in writing, Portfolio Recovery Associates was supposed to cease debt collection efforts until they provided the documentation I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; Thomas v. TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. XXXXXXXX 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX Dear Madam/Sir : Please be advised, on XX/XX/XXXXXXXX  I went to XXXXXXXX XXXX XXXX to get my car washed. I was informed at the time that my account had been cancelled due to non-payment. 

I left the premises without washing my car because I needed to find out why my credit card company ( Capital One ) did not pay my XXXX XXXX XXXX 

I called Capital One today, I spoke with XXXX and he informed me that I cancelled an account back in XX/XX/XXXXXXXX  named XXXX XXXX XXXX XXXX  account. I explained to him that I did cancel an account with XXXX XXXX XXXX XXXX  because I moved. However, I opened a new account with XXXX XXXX XXXX on XX/XX/XXXX which has no relation with XXXXXXXX XXXX XXXX XXXX account. So, I asked XXXX again, " Who authorized cancellation of payment to XXXX XXXX XXXX ''? XXXX XXXX stated that he did not know and he would be transferring the call to a supervisor. 

XXXX XXXX, the supervisor, got on the telephone and asked me if I had requested to cancel the XXXX XXXX XXXX account. I told her no. The fact is, by cancelling the account I am losing out on {$150.00} worth of car washes. I would never do that. XXXX XXXX then explained to me that she was going to request an investigation on who cancelled the account and how it transpired. She went on to inform me that I would be receiving a call or a letter from the investigation team. 

Tonight I decided to look at my Capital One account to see if I had received any correspondence from them referencing XXXX XXXX XXXX Account. 

I did receive a letter from Capital One dated XXXXXXXX  stating that I requested that XXXXXXXX XXXX XXXX Account be prevented from being paid. 

The letter is a TOTAL LIE. I never requested anyone to prevent XXXX XXXX XXXX from getting paid. Contrary to the letter, I requested information on who authorized prevention of XXXX XXXX XXXX from getting paid. 

I found it important because if the person can cancel a subscription without my knowledge and authorization then they will be able to commit the same act whenever they wanted and I need to get to the bottom of this problem. 

I respectfully request your help in finding out who authorized the cancellation of payment to XXXX XXXX XXXX. I would also like a letter of apology from Capital One because they LIED about me requesting to prevent payment to XXXX XXXX XXXX. 

Your attention and kind consideration in this important matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Mailed a letter on XX/XX/year>XXXX   to Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX I have not received a response back from Equifax and the account is still reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I still cant add money to my account when I try it say this we couldnt add your money our support team is ready to help and also cant send payments to no XXXX  user your payments cant be completed right now something went wrong and we couldnt complete this payment try again another time my username is @ XXXX and my account email is XXXX and the last agent told me he fixed it but he didnt fix it I need both issue to be fixed and make the fixed and solved permanently so it dont happen again and also remove any blocks or restrictions or limits or by pass any system fraudulent protection payments blocks off my account so I can make transfer and send payment and add money to my bank without no issue and refresh my account too etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
Willful Re-aging ( FCRA 1681n ) : The Date of First Delinquency ( DOFD ) must be XX/XX/XXXX ( repossession date ). Reporting a XXXX closure date resets the 7-year reporting clock, violating FCRA 1681c ( c ). 

Metro 2 Violations : Appendix E ( Data Accuracy ) : Fabricating a closure date. 

XXXX  XXXX ( Reporting Timeframes ) : Extending the delinquency period beyond legal limits. 

Prior Dispute Failures ( FCRA 1681i ) :

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid my cell phone bill in full on XX/XX/year>, through my online banking portal from Chase ( I share this account with my partner, but the account is in my name ). I have paid XXXX XXXX XXXX several times this way. According to Chase, the payment was processed on XX/XX/year>. The original bill was due on the XXXX, but I had been away from home while it was being renovated, so I was late with my payment. 

XXXX XXXX XXXX continue to pursue me for non-payment. When I called XXXX XXXX XXXX 's customer service line, they said that the proof of payment from the bank wasnt sufficient, and I needed to pay them immediately. They were very aggressive. 

When I spoke to a supervisor, he said that my proof of payment from my bank was not the right documentI needed an Electronic funds transfer letter from my bank, which Chase says they can not provideand that the proof of payment is a legal document. According to that supervisor ( I never get the same answer twice ), I need to have this in and resolved with 5-7 days or else my service will be turned off. 

I spoke to several people at Chase on XXXX XXXX managers ( one at my branch, the other at Chase online, several supervisors ( who refused to give me their last name ), and many others. I was told by two managers that Chase could get the money back from XXXX XXXX XXXX, and I could then in turn pay XXXX XXXX XXXX in a manner than is reflected to my account, and others that said this couldn't be done. They will not provide me with the " Electronic funds transfer letter '' that XXXX XXXX XXXX is requiring. 

At the moment, if I don't pay XXXX XXXX XXXX a second payment for the same service, my phone will be shut off. Chase is not helping methey are not reaching out to XXXX XXXX XXXX, not giving me the letter, saying there's nothing they can do. However, it was through their service that I made the payment to an account that I have paid several times beforeand they are refusing to do anything other than to launch an internal investigation, which I've been told will not result in a resolution for my issuerather an investigation into how they've handled it. 

How am I to trust Chase and XXXX XXXX XXXX  given the lack of response? It's unethical and should be illegal. 

As it stands now, unless XXXX XXXX XXXX receives a second payment, they will be turning off my phone. And I imagine this will also affect my credit rating.

Company response to consumer: Closed with explanation