vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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:
Dear Experian, I am reaching out regarding an account listed on my credit report, which was marked as a repossession and charged off by XXXX XXXX ( Account # XXXX ). Upon reviewing my report, I have noticed that this account is still being updated every month as " charged off, '' but it also reflects an active payment history. This is inconsistent with how a charged-off account should be reported, as no payments should be shown on a charged-off account. 
According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. A repossession charge-off should not include an active payment history if the account was indeed charged off. Additionally, under 15 U.S.C. 1681i of the FCRA, I am entitled to dispute any information on my credit report that I believe to be inaccurate, and the creditor is required to verify and correct any discrepancies. 
I have previously contacted XXXX XXXX about this issue, but they only verified the account without providing adequate proof of the payment history or addressing the reporting errors. 
Given the inaccuracies in reporting, I kindly request that you remove this account from my credit report in accordance with the FCRAs guidelines for correct and accurate credit reporting. The continued presence of this incorrect information is damaging my creditworthiness, and I would appreciate your prompt attention to this matter. 
Thank you for your time and assistance. I look forward to your response and the swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NjPhone # 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 2025-04-09 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: VA

Complaint narrative:
remove the item in question from my consumer profile within XXXX  days

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 2025-04-09 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: MD

Complaint narrative:
I contacted them to confirm whether the credit card account was closed, as it is currently showing as open on my Experian report. One of their representatives previously informed me that the account was still open. I reached out via secure messaging to clarify this matter.

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 2025-04-09 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 kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I made a complaint with the CFPB after close to a year now of trying to get this resolved with Shellpoint. They bought XXXX XXXX XXXX after my first trial payment was made on my modification. I continued to make trial payments and was eventually told to stop. Each month I contacted customer service, explained the entire situation, and they were crediting my account as a partial payment instead of as a trial payment. They promised multiple times that they were escalating the situation. My point of contact even once told me she had submitted it to closing for the final and nothing happened since. I finally made a complaint with the CFPB. The company responded stating they would honor my modification since all trial payments were made and correct how my account was credited, as well as not charge me interest for the months nothing was happening. They stated I would receive the final modification and my payments would start in XXXX. I have received nothing, my account online no longer states its processing the modification. And calling customer service is a complete waste of time since my point of contact doesn't return my calls and they just keep telling me they are escalating it. This is affecting me repairing my credit and I am out of options at this point for a resolution beyond hiring a lawyer. They continue to call me about late payments, but know nothing about this modification. I will attach the previous complaint and 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 2025-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: IN

Complaint narrative:
My cash app account was suspended on Thursday of last week. Since then I have been in communication only via email and chat and trying to get an explanation of why my account was suspended. They told me it was for verification process and since I took a picture of myself with my ID it would be back active after the XXXX was up. It has been nearly a week of me not having access to my money with bills coming and already passing. They cant give me a reason as to why it went past the XXXX or as to whats going go. I get direct deposit to this account nd have money in my savings that I cant get to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NV

Complaint narrative:
The account was chargeoff earlier this year. Since then the dates of last activity have been inconsistent update. On Experian XXXX  XXXX XX/XX/year> the date last active is listed while on TransUnion its XX/XX/year> if the information is source from the original creditors these dates should be consistent.due to theses discrepancies the accuracy of these account can not be guaranteed and they are deemed inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NV

Complaint narrative:
The account was chargeoff earlier this year. Since then the dates of last activity have been inconsistent update. On Experian XXXX  XXXX XX/XX/year> the date last active is listed while on TransUnion its XX/XX/year> if the information is source from the original creditors these dates should be consistent.due to theses discrepancies the accuracy of these account can not be guaranteed and they are deemed inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-04-09 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-04-09 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: TN

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 2025-04-09 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: TN

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
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I booked a ticket for my husband through Citibank 's " Travel Site '' feature on XX/XX/year> on XXXX XXXX from XXXX XXXX to XXXX XXXX. On XX/XX/year>, through an error on their system that Citibank has admitted to, they cancelled the flight with XXXX XXXX. However, neither side actually informed me or my husband that the ticket had been cancelled. Citibank says a refund usually comes within XXXX hours, and nothing appeared, so there was no reason to suspect there was an issue with the flight. 

When my husband showed up to check in at the airport, the American agent told him that the ticket had a pending refund request and he could not get his ticket. The only option he told him was to purchase a new ticket for {$490.00}. With limited time and no other options, he simply had to purchase the ticket. 

Since then, he and I have both followed up with both Citibank and XXXX XXXX multiple times. Both sides blame each other, no one seems to understand the issue. Citibank says the issue is he didn't show up for the flight. XXXX says it was cancelled and there was nothing to do. 

This is a tiny amount of money for these companies, but a large amount for us. Can we please find a resolution?

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 monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had XXXX late payments on an account that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, I was contacted via XXXX by individuals posing as company representatives. They claimed I could earn money by pressing like buttons on videos and social media posts. After gaining my trust, they convinced me to invest in what they described as a high-return opportunity involving platforms like XXXX and XXXX. I was instructed to send funds through XXXX exchanges, which were funded directly from my Chase Bank account. 

Between XX/XX/XXXX and XX/XX/XXXX, I transferred approximately {$100000.00} USD. After realizing I had been scammed and could not withdraw any funds, I reported the crime to the XXXX Police Department in Massachusetts. A formal criminal investigation is now in progress. Police have submitted subpoenas and records requests to XXXX, XXXX, and XXXX to trace the stolen funds and identify the perpetrators. I am attaching official documents from the police as evidence. 

Before I made any of these large and unusual payments, Chase did not issue any warning, fraud alert, or hold, even though I have been a customer since XXXX and have never previously transferred money to any cryptocurrency or virtual asset platforms. These transactions were completely out of pattern for my account. Chase failed to detect these red flags or notify me in any way. 

Despite presenting Chase with a police report and clear documentation proving that this was a scam, Chase denied my claim. They claimed that because I authorized the transfers, they are not responsible. This decision ignores the fact that I was manipulated and deceived into making these transactions under false pretenses, which constitutes fraud. Chases refusal to take any responsibility or meaningfully investigate the context of the transfers demonstrates a lack of support for fraud victims and a failure in basic consumer protection. 

I respectfully request that the CFPB help ensure my case is reviewed fairly, considering the full circumstances and the official criminal investigation now underway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today on XXXX I contacted Capital One and XXXX due to my disputes being closed with the merchant XXXX XXXX. I initiated a chargeback due to non-receipt of services from the merchant who never responded until the XXXX claim was initiated. 

The merchant wanted me to sign a disclaimer rescinding all of my chargebacks, which I declined so that the bank could arbitrate on my behalf. 

Some of the claims have already been settled and the money returned to my account, all of the same supporting documentation has been sent to them on each case individually despite it being all from the same online casino. 

Now Capital One and XXXX are asking that I provide a copy of the cancelation policy, which I have as well as a " gift voucher '' from the merchant stating that they're agreeing to return the funds. This is not possible for me to acquire, since they owe me {$4100.00} and locked my account from their platform as soon as the chargeback process was initiated. 

All I'm seeking is to have my purchases refunded from the merchant, for the merchant to provide the service, and for Capital One to work on my behalf to dispute the charges fairly. Under sweepstakes law the merchant should have some obligation to process those transactions, or at the very least it seems fraudulent and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I 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 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rubin & Rothman, LLC
State: IA

Complaint narrative:
The debt collector Rubin and Rothman purposefully used a fictitious address and sued me in the state of New York using said address. I have never resided in the state of New York. Rubin and Rothman violated several NY laws including : 1. Forgery ( NY Penal Law 170.05 170.10 ) Forgery in the second degree ( a Class D felony ) since it involves a public record or instrument filed with a government agency.

2. Offering a False Instrument for Filing ( NY Penal Law 175.30 175.35 ) False document was submitted to a public office or government agency.

3. Falsifying Business Records ( NY Penal Law 175.05 175.10 ) The fake address was used in an internal record.

4. Scheme to Defraud ( NY Penal Law 190.60 190.65 ) The use of the false address was most definitely part of a larger pattern of deception to obtain property, services, or employment, therefore this statute applies.

5. Federal Mail Fraud ( 18 U.S. Code 1341 ) The fictitious address was used to send or receive mail fraudulently.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Case XXXX is pending for almost a year. 
InComm has refuse to resolve my case over and over again.

I had similar cases and been resolved with no problem except this one Tried multiple times to explain that they are related and similar ( actually identical ) but still Dening with no logic

Company response to consumer: Closed with explanation