vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Im fed up with the chase dispute department. They have customer service reps from abroad with no knowledge or listen. I filed a dispute with an XXXX pick up order and they reversed my claim. I feel these big companies scam and work together. I have pics of the unopened plates left in my caged mail office section. Chase reversed the charge back on my account when the item was returned XX/XX/XXXX. 
XXXX has the nerve to say it was not scanned in and return like I have time to lift 3 heavy plates sets put them in the mail room and take pictures Im furious. 
The other dispute Chase cancelled again XXXX ads another big company. Saying I dont have an invoice proof. I paid for a promotion. XX/XX/XXXX buy {$500.00} receive {$500.00} free promotion. XXXX rep did not keep the appointment and I did not know how to pause it. I emailed XXXX and I was ignored and charged in the meantime over {$250.00}. No one cares. Now XXXX said to dispute with Chase when I escalated with XXXX. Im fed up. I attached the email proof I said to call me to stop the guy emails 3 weeks later did not show up and I thought it was paused. How is this my fault when I email I dont want to be charged more. 
They do this on purpose to older people not savy with the computer. 
I attached the billing statement {$500.00} promo. You can see in my account chase they immediately started taking money out multiple times not my authorization it was supposed to be once a month dont go over {$500.00}. Stop at {$500.00}. {$270.00} then they charged me {$560.00}. 

I have a dispute now with proofserve not receiving a service process. I just filed the dispute with chase and hopefully someone can make sure it goes through. When I purchased it no where explains any terms click here or agree. Its simple says 4 attempts to deliver. They said my address is wrong but the server had the address the correct one but they go to the wrong one and want to charge me twice. I refused so they cancelled my order sent a non service and kept my {$95.00}. I thought I was buying something that said 4 attempts. Its the same order! Please have Chase give me back my money. This is the last draw and dispute. Im going to close this account maybe I already started putting other Deposits in my other bank and using it more. Im tired of fighting to fix wrong charges from these big companies. The banks are covering up for them XXXX is not my phone my account has my info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported by Experian on my consumer report, specifically a XXXX XXXX XXXX identified as XXXX XXXX XXXX, Reference # XXXX, allegedly filed on XX/XX/year>. This information is incorrect and must be removed from my file immediately. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), consumer reports play a crucial role in determining credit and employment eligibility. Therefore, Experian has a legal obligation to ensure the accuracy of its reporting. The inclusion of this erroneous bankruptcy violates this principle and has caused significant harm to my financial standing. Pursuant to 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in its reporting. However, the presence of this incorrect bankruptcy demonstrates a failure to meet this standard. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccuracies, and Experian is obligated to conduct a reasonable reinvestigation. Experians failure to correct this misinformation may constitute willful noncompliance under 15 U.S.C. 1681n, which allows for statutory damages, punitive damages, and attorneys fees. Alternatively, if this violation is due to negligence, Experian may be liable under 15 U.S.C. 1681o, which provides for actual damages and legal costs.

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 2025-02-26 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: MI

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
The are unauthorized inquiries reporting on my credit report 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 2025-02-26 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Pursuant to FDCPA & FCRA To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I recently noticed this account on my credit report and have not received proper verification that I am liable for this debt. I request the following information : 1. The name and address of the original creditor.

2. A detailed account statement showing how the balance was calculated.

3. A copy of the signed agreement or contract that proves I agreed to this debt.

4. Any documentation showing that you are authorized to collect this debt.

5. Proof that this debt is within the statute of limitations for collection.

Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this account to the credit bureaus. If you continue to report this debt without verification, it may be a violation of federal law, and I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Please provide the requested validation within 30 days of receiving this letter. Failure to comply may result in legal action. Additionally, if you are unable to validate the debt, I request that you remove this account from my credit report immediately. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I see that there's a debt for auto Insurance for {$110.00} from XXXX. I do NOT owe XXXX  ANY amount for ANY auto. My cousin is my XXXX  and she's not showing Any OUTSTANDING debt from XXXX. I tried to have the collection removed and as you can see it still remains unsubstantiated and no proof is ANY kind has been provided to me.

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 2025-02-26 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-26 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: CA

Complaint narrative:
I am the victim of ID theft. I have a long and documented journey of ID theft full of police reports, FTC Reports, and Notarized Fraud Affidavits. I have provided this information to the three credit bureaus to contest the fraudulent accounts opened with my name, and most of the accounts have been removed. XXXX and XXXX have fully complied, however TRANSUNION refuses to remove a XXXX XXXX  credit card debt that has been on my report for XXXX  years. I have filed a complaint against XXXX XXXX  with the FDIC, however XXXX XXXX  refuses to provide a detailed investigation or even conduct a proper investigation into the matter. Therefore, I have no more option but to file a lawsuit against XXXX XXXX. 

At this point, Transunion will be included in the lawsuit unless they block this information from my credit report as required by law. Given that all the ID theft documents to prove ID theft have been provided, Transunion refusing to do so is a violation of the law. I am resubmitting these documents, and Transunion 's handling of this final request will ultimately decide if they are named as co defendants in my lawsuit.

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 2025-02-26 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: American Reporting Company
State: MO

Complaint narrative:
To whom it may concern Please freeze all credit reports or related as it pertains to my name I have included a copy of my drivers license and Social Security card Thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-26 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: SC

Complaint narrative:
When I went to review my credit profile there were some inquiries that were not mine.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-02-26 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-26 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account ( XXXX ) ; ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late, Thanks.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute letter to Experian via USPS certified mail ( tracking number : XXXX ) requesting an investigation into an inaccurately reported bankruptcy on my credit report. I included all necessary identification documents to verify my identity, including a copy of my photo ID, Social Security card, and a recent utility bill displaying my current address. 
As per USPS tracking information, Experian received my dispute on XX/XX/XXXX. 
In my dispute letter, I specifically requested the following information regarding Experians verification process : - Details on how the disputed item was verified.

- The date Experian contacted the furnisher.

- Contact information for the furnisher.

- The name of the individual who verified the item.

- The method of communication used for verification ( e.g., phone, email, mail ).

- Confirmation of whether the furnisher provided any sensitive personal information, such as my Social Security number, address, or date of birth, during the verification process. 
Despite submitting all required documentation and clearly outlining my concerns, I have not received any response or resolution from Experian. It has been over 30 days since my dispute was submitted, yet Experian has failed to communicate any updates or take appropriate action. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of information on their credit report. Experians failure to respond or take action on my dispute constitutes a clear violation of my rights under the FCRA.

I am including copies of my dispute letter and USPS certified mail proof of delivery as evidence to support my claim.

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 2025-02-26 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: NC

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 explanation
Consumer complaint received 2025-02-26 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: NC

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