vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I request validation of the debt and was send copy of bills and stated that it was debts was valid. These negative items been dispute in past and always the same result

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
The loans were forgiven on XXXX XXXX they are still being reported to my credit report as money owed. This is inaccurate please update

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 2025-01-22 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: IL

Complaint narrative:
The loans were forgiven on XXXX XXXX they are still being reported to my credit report as money owed. This is inaccurate please update

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I believe it started on like, XXXX month after I used CashApp first time on XX/XX/year>. I began noticing a strange transrictions on my CashApp from XXXX. I checked in my monthly payment on settings on my phone, all of them were canceled before reoccurring bill date. I do spend my money on apps sometimes, but by not much. I should remember all of my spent history. 

I changed my password, my email, and still receiving them. It's difficult to change and verify in this app. I can get lose easily in the setting or my accounts information. 

Finally, I called them, but they put me on hold for XXXX min. They didn't exactly help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: KY

Complaint narrative:
I always make sure to pay my bills on time. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPM Chase offered XXXX miles to referred parties that applied for a credit card using an email link. I referred my 2 adult kids and they spent the required amounts. Chase then bait and switched and only provided XXXX miles. Branch employee verbally told me it would be corrected on the XX/XX/XXXX points/mileage cycle ( per his internal communication with XXXX employee XXXX XXXX ) but it was not. They refused to connect me with their legal team or an executive decision maker. Call was routed to the XXXX with no follow up offered or available. Clear bait and switch as the email contained no conditions other than the required spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Bankruptcy is on record that was dismissed because of non payment of court fees, which means it cease to exist, I have been ignored and I dont think they sent did any investigation whatsoever, XXXX took 5 days exactly to send a generated message explaining that this was accurate, the ai generated message came on a Sunday evening at XXXX, they then placed previously deleted ( XXXX XXXX ) credit information back on credit report, so Im curious am I bankrupt or in debt because as of today Im both? 
Thanks for your assistance with this, Warm regards 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 2025-01-22 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: CA

Complaint narrative:
Bankruptcy is on record that was dismissed because of non payment of court fees, which means it cease to exist, I have been ignored and I dont think they sent did any investigation whatsoever, XXXX XXXX 5 days exactly to send a generated message explaining that this was accurate, the ai generated message came on a Sunday evening at XXXX, they then placed previously deleted ( XXXX XXXX XXXX credit information back on credit report, so Im curious am I bankrupt or in debt because as of today Im both? 
Thanks for your assistance with this, Warm regards 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 2025-01-22 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: OH

Complaint narrative:
I have disputed an account with XXXX as fraud, sent certified letter, uploaded to their server, and followed all their polices for fraudulent and inaccurate info. They will not remove the information and they won't do anything except send me in circles. They are violating my consumer rights and they are failing to provide accurate information on my report which is keeping me from purchasing a home or obtaining credit. This is the worst experience I have ever dealt with. It's been over 30 days and no response.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute multiple inaccurate and unverified collection accounts that are currently listed on my credit report. After reviewing my credit report, I have identified several accounts that I believe are being reported incorrectly and that I suspect are not substantiated by proper documentation. 
The accounts in question are as follows : 1Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2300.00} Date Opened/Reported : XX/XX/XXXX 2Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$860.00} Date Opened/Reported : XX/XX/XXXX 3Account Name : XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$7300.00} Date Opened/ Reported : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2700.00} Date Opened/ Reported : XX/XX/XXXX I am requesting that you validate the accuracy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., which mandates that all information provided to credit bureaus be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that you cease reporting any disputed debts until proper validation and verification are provided.

As part of my dispute, I am requesting that you provide the following documentation for each of the disputed accounts : 1The name and contact information of the original creditor for each debt.

2The amount owed, the date the debt was incurred, and any payments made toward the debt.

3The specific method and date by which each debt was verified as accurate.

4Any written evidence or documentation supporting the existence of the debt.

5Proof that the collection agency or creditor has the legal right to report the debt to the credit bureaus.

If you are unable to provide sufficient verification for any of the disputed accounts, I request that you remove or update the information accordingly. Failure to validate and substantiate the debt as required by law should result in the immediate removal of these accounts from my credit report.

Please treat this letter as a formal dispute of the accuracy of these collection accounts. As stipulated in the FCRA, I expect a response within 30 days of your receipt of this letter. If you are unable to verify the information, I request that the accounts be removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the correction of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There are fraudulence that is reporting on my report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

INQUIRIES/OTHER ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-01-22 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-01-22 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: TX

Complaint narrative:
Today, I found an unauthorized inquiry on my credit report that I can not explain. I routinely check my report, and everything was fine until now when I suddenly noticed inconsistencies. I tried refreshing the page, hoping it was just a display error, but the issue remained. This situation is highly frustrating, and I need the submitted documents reviewed immediately to prevent further stress.

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 2025-01-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
While reviewing my recent credit report, I noticed an error that seems to conflict with the information I have on file. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and credibility. I kindly ask that you investigate this matter thoroughly and address any discrepancies you find. Your assistance in resolving this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I dispute some information on my report and a lot of the information wasnt mines or it was wrong information and they either put it back on there or never removed it. 
These companies have been taking advantage of my credit for too long XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never had a bankruptcy on my credit and its not mines I been explaining that

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 2025-01-22 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the account XXXX XXXX XXXX opened in opened in XX/XX/XXXX with a balance of {$1800.00} was previously disputed and found to be a fraudulent account was put back on my credit report which violates my rights under the Fair Debt Collections Practices Act ( FDCPA ). I also noticed that I previously disputed the accounts XXXX opened in opened in XX/XX/XXXX with a balance of {$8800.00} and XXXX Opened in XX/XX/XXXX with a balance of {$4400.00}, which I asked to be legally removed within 4 business days due to Inaccurate reporting across all bureaus, identity theft, and deficiency balance 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 non-monetary relief
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed the account XXXX XXXX XXXX opened in opened in XX/XX/XXXX with a balance of {$1800.00} was previously disputed and found to be a fraudulent account was put back on my credit report which violates my rights under the Fair Debt Collections Practices Act ( FDCPA ). I also noticed that I previously disputed the accounts XXXX opened in opened in XX/XX/XXXX with a balance of {$8800.00} and XXXX Opened in XX/XX/XXXX with a balance of {$4400.00}, which I asked to be legally removed within 4 business days due to Inaccurate reporting across all bureaus, identity theft, and deficiency balance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a mortgage in XX/XX/XXXX. The mortgage lender shared that he did not see any issues with me being approved based on the two credit reports he pulled but he was required to use all three reports. They were not able to get the report from Equifax. The lender and I called separately and on a three way call, They told use that there were no blocks on the report and the company should be able to pull it but everytime they tried, the were not successful. I tried another bank, they also said they don't see a problem with approving me for the loan based on the two reports they received but they need to see the Equifax report but it eas coming back with a message, " no hit ''. When I called to give Equifax permission to release my credit report, they stated, the bank should be able to pull it. I spoke to Equifax supervisors but they were not able to tell me why I'm having the problem. After calling Equifax at least 10-15 times, I reported the issue to CFPB on XX/XX/XXXX and they sent back the response from Equifax stating there is no hold on my credit report. I went back to the same bank in XX/XX/XXXX and they still were unable to pull the report and received the message " no hit ''. I applied for a mortgage with a new lender in XXXX and they were not able to access one of my credit reports. This is a huge financial strain on me, I should be able to purchase a home instead of paying expensive rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NM

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally dispute the reporting of a charge-off listed on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). This dispute is being submitted in light of the recent CFPB v. Experian case, which found that Experian failed to properly investigate and correct errors in credit reports, particularly regarding charge-offs and other negative entries. 

Details of the Disputed Charge-Off : Creditor Name : XXXX XXXX Account XXXX XXXX XXXX Balance : {$5000.00} Creditor Name : XXXX Account Number : XXXX Balance : {$4400.00} According to the findings in CFPB v. Experian, the Consumer Financial Protection Bureau ( CFPB ) alleged that Experian had systematically violated the FCRA by failing to thoroughly investigate disputes and by continuing to report inaccurate information about consumer accounts. Specifically, Experian was accused of not fully verifying the accuracy of negative items like charge-offs, even after they were disputed by consumers. This case is directly relevant to my current situation, as I believe this charge-off is inaccurate, and Experian has not conducted a sufficient investigation to resolve the matter. 

In light of the ruling, I am requesting that Experian : Conduct a full and fair investigation of the charge-off in question and verify its accuracy with the original creditor and send me a copy of a contract with my wet ink signature and account information with full payment history. 

Remove or correct the charge-off entry if found to be inaccurate or improperly reported, in compliance with the requirements of the FCRA. 
Provide me with written confirmation that the charge-off has been investigated, and if applicable, an updated credit report reflecting the necessary corrections. 

The CFPB v. Experian case highlights the importance of credit reporting agencies adhering to their legal obligations to ensure that all information they report is accurate, complete, and verifiable. Given this, I expect Experian to fully comply with the regulations and rectify this charge-off on my credit report if it is found to be inaccurate. 

I would appreciate your prompt attention to this matter and a timely resolution. Should this issue not be addressed satisfactorily, I will not hesitate to file further complaints with the CFPB or take additional legal steps. 

Thank you for your cooperation. 

Sincerely, 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