vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i. While the CFPB lawsuits primarily addressed XXXX and XXXX, TransUnion engages in similar practices of re-inserting previously deleted negative items without proper notification or verification, causing harm to consumers. 
I had previous disputed XXXX XXXX account in my credit file. According to Transunion they investigated the account and successfully deleted and i deleted a copy of deletion dated XX/XX/year>. on XX/XX/year> i noted the same XXXX  XXXX  account was re-inserted in my credit file. 
Details of the Issue : 1. Re-insertion of Deleted Information : TransUnion reinserted XXXX XXXX  ACCOUNT into my credit report after they were deleted through a dispute process. 
2. Failure to Notify : o I was not notified of the re-insertion within five business days, as required by FCRA 15 USC 1681i ( a ) ( 5 ) ( B ).

3. No Proof of Verification : TransUnion failed to provide documentation verifying the accuracy of the re-inserted items before placing them back on my credit report.

4. Harm Caused : These actions negatively impacted my credit score and caused me to suffer financial losses, including [ higher interest rates, credit denials, or other specific harm ].

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 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD

Complaint narrative:
They have taken {$800.00} {$280.00} XXXX payments and {$180.00} XXXX payment and they said I was responsible for XXXX payments. I explained to them that it shouldnt be going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-31 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Funds were not transferred appropriately issues persistent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding False Reporting and Failure to Provide Investigation Details Dear Equifax Dispute Department, I am writing to formally dispute the continued reporting of certain accounts on my credit file that you previously informed the Consumer Financial Protection Bureau ( CFPB COMPLAINT NUMBER XXXX ) were deleted and permanently blocked. Despite these assurances, these accounts are still appearing on my Equifax credit report, which is both misleading and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The specific accounts in question are : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Furthermore, Equifax has failed to provide me with the specifics of your investigation into these accounts, which is a violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 6 ), Equifax is required to provide consumers with the results of reinvestigations, including the sources of information and reasons for any determinations made. By failing to do so, Equifax is in direct violation of federal law. 

I demand the immediate removal of these accounts from my credit file, along with a detailed explanation of the investigation that Equifax conducted. If Equifax does not rectify this issue promptly, I am prepared to escalate this matter further by filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also considering legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your compliance with this request within 30 days, as required by law. I expect full transparency regarding this matter and the immediate deletion of the above-listed accounts if they were indeed removed and permanently blocked as previously stated. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: KY

Complaint narrative:
On XX/XX/year> there were four transactions converting reward points to XXXX XXXX XXXX. I did not authorize or request this transaction. Chase representative states the gift cards were emailed to the account holder email. No emails were received from Chase. Inbox, spam folder, trash folder have all been checked. 

Chase representative states we must show documentation that the email account was compromised in order to reinstate the points. The email was not compromised. Email provider was contacted to review the email account. Email provider confirmed there is no evidence of compromise. 

The four transactions converting reward points total XXXX. 

I am requesting the points be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did not apply nor receive a store card from SYNCB/TJX DC Bank XXXX XX/XX/2024. This Inquiry was done without my knowledge.

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 2025-01-31 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: 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 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
A concerning collection entry has unexpectedly appeared on my credit file without any prior notification, raising serious questions about its legitimacy and accuracy. The Fair Debt Collection Practices Act clearly establishes my right to request validation of any claimed debt, yet I was never properly informed of this collection or provided with the necessary documentation to verify its authenticity. This situation requires immediate attention to prevent unwarranted damage to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I received a text message from my bank, Chase, that my card could not be used for a XXXX $ purchase at XXXX XXXX XXXX XXXX To please select a different form of payment and if I did not attempt this purchase to call the number on the back of my card. I logged into my account to investigate at which time i noticed there were a total of XXXX charges to XXXX XXXX XXXX XXXX The 3 charges varied in amount but they were for XXXX, XXXX, and XXXX. I was only alerted about the XXXX charge. I immediately called and made a claim that a fraudulent charge was made on my account using my card. 

Customer service aided me in deactivating my card and my account had been locked due to the fraud. I was told there would be a investigation and a credit would be applied to my account in a few days. After a few days I received a notification in my Chase app saying that " We found that the transaction ( s ) was processed according to the information you provided or was authorized ''. The letter continued on to say that " No adjustments will be made to your account at this time. ". 

I called Chase to find out why it was denied and i was told that because the transaction was done using XXXX XXXX  and no additional devices had been added to the XXXX account that it was seen as a authorized transaction. I told them i don't use XXXX XXXX at all and that the only card in my XXXX wallet is my corporate XXXX card I only use for work. They said i need to reach out to XXXX and they would be able to help me because " there was nothing else they can do. '' I called XXXX and told them the entire situation. They could not even find the transactions i was speaking about as well as even going as far as remote assisting and controlling my corporate phone to assist me. They were as confused as I was with what Chase had told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: AZ

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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collections listing your agency. I have never been notified of this collection action or that I owed this debt. 

This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please send me the following documents Signed agreement that you have authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. 

I hope your legal staff will agree that a noncompliance with this request will result in serious legal trouble for your company. 

Please note that a payment history is not considered a contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
Experian Dispute Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Arbitration & Compensation for Damages Due to Inaccurate Reporting and False Investigations Dear Experian Dispute Resolution Team, I am writing to formally demand arbitration and compensation for damages caused by Experians inaccurate reporting and failure to conduct a reasonable investigation in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Summary of Violations : Inaccurate Reporting : Experian has falsely reported inaccurate information regarding the following accounts : XXXX XXXX XXXX XXXX XXXX  Despite my formal disputes, Experian has continued to report these inaccuracies, damaging my creditworthiness. 
Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed information. 
Instead of properly verifying these accounts, Experian has failed to correct them, violating my rights under the FCRA. 
Damages Caused by Experians Violations : Due to Experians negligence, I have suffered financial harm, emotional distress, and reputational damage, including : Denial of credit opportunities Higher interest rates Emotional distress from financial hardship Demand for Resolution : To resolve this matter without further legal action, I demand the following : Immediate deletion and correction of all inaccurate information regarding XXXX XXXX XXXX and XXXX XXXX XXXX 
A detailed explanation of how Experian verified the disputed items. 
Monetary compensation of {$1000.00} per inaccurate account for a total of {$2000.00} for damages caused by Experians violations. 
Binding arbitration per Experians consumer agreement if a resolution is not reached. 
If Experian fails to comply within 15 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action for violations of the FCRA. 

This letter serves as a final notice before initiating arbitration and seeking further damages. I expect Experian to take immediate corrective action. 

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
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
I received an alert from TransUnion that a hard inquiry was made on my credit report from XXXX XXXX XXXX XXXX I tried calling the 1800 number provided on the report for the bank but could not get through due to their phone system not working. I did not apply for any credit nor do I shop at XXXX. The date of inquiry is XX/XX/year>.

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 2025-01-31 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: AZ

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 response to consumer: Closed with explanation