vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm not being treated fairly by Equifax all of my information, that's on my credit report, all not right or accurate. Inaccurate information, list it with all of my balances on my create report. This is very disturbing it disappointing.Equifax is not doing a professional service. I've talked to many XXXX that's having the same problem like me.I am a XXXX XXXXXXXX , i would like a professional supervisor to handle my credit report case. Also I would need her or his name and badge 's number so this person can be recommended for outstanding service. And I would need their job title. You can email me dish information to XXXX I have gotten nowhere with Equifax.Handling my credit report case. The American people need to be treat with and respect concerning professional business, and treat it fairly.XXXX XXXX XXXX  XX/XX/year> XXXX XXXX thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-06 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: CA

Complaint narrative:
My Chase credit card reward points were used without authorization on XXXX on XX/XX/XXXX, where XXXX points were redeemed, and a charge of {$62.00} was made. I contacted Chase, and they sent me a replacement card and promised to refund my loss to my account. I quickly received the {$62.00} refund but have not yet received the points refund. This transaction occurred on an XXXX account that was not mine. I contacted XXXX and requested the order details. They only mentioned that the points would be refunded to my bank account, but later emails instructed me to contact the bank for resolution and did not provide further transaction details. I have been waiting for the bank to return my points. It wasn't until I received a letter from them stating that my points were redeemed that I realized this. I have never used my points to order anything on XXXX. I believe my points were stolen, and I would like your assistance. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report : XXXX XXXX XXXX : XXXX, National Recovery Agen : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 am writing to formally dispute inaccurate information listed on my credit report. I have reviewed my credit report, and I noticed the following errors that need to be corrected immediately : Personal Information : My correct name is XXXX XXXX XXXX. Please remove the alternate name listed as " XXXX XXXX. '' Account Disputes : XXXX  XXXX XXXX Account : This account does not belong to me and is inaccurately associated with my credit profile. I request its immediate removal from my credit report. 
XXXX XXXX Account : This account also does not belong to me. Please investigate and remove this erroneous listing from my credit report. 
I have attached copies of supporting documents, including a government-issued ID and proof of residence, to verify my identity and current address. Please conduct a thorough investigation and provide me with the results of your findings. 

Under the Fair Credit Reporting Act ( FCRA ), I understand you are required to investigate my dispute and respond within 30 days. I would appreciate it if you could provide written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me via mail at the address listed above. 

Sincerely, 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 2025-02-06 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: MA

Complaint narrative:
I am disputing the following inaccurate information on my credit report : * Creditor Name : XXXX XXXX XXXX  XXXX  * Account Number * XXXX * Issue Briefly explain the inaccuracy, e.g., incorrect balance, fraudulent account, duplicate reporting, or account that does not belong to you. 
Under 15 U.S.C. 1681 ( a ), you are required to conduct a reasonable investigation within 30 days and correct or delete any inaccurate information. Failure to comply constitutes negligent noncompliance, making you civilly liable under 15 U.S.C. 16810.

I have attached supporting documentation, including list what you're uploading, such as ID verification, billing statements, or proof of payment Please correct this curacy immediately

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 2025-02-06 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
I have a cash app card and account and this company called done for brands keeps taking money from my account and I have tried to contact cash app but I am not able to get to someone that I can talk too its just a email. I just want my money back and its frustrating when you dont have an actual person you can explain things too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Request : Remove >Account 30 Days Past Due< from Pay Status. 

As you can see from the below payment history with supporting documentation, we have NEVER made a late payment on this account. EVER! 

Our loan was sold and Shellpoint became servicer ; we received our first statement from Shellpoint dated XX/XX/XXXX in XX/XX/XXXX. 

XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$290.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX Statement a. Statement Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2100.00} XXXX XXXX Paid on XX/XX/XXXX but not applied by Shellpoint until XX/XX/XXXX : {$2100.00} ( see XXXX Statement for payment confirmation ) NOTE THIS PAYMENT WAS MADE XXXX WEEKS BEFORE XX/XX/XXXX DUE DATE AND ACTUALLY WAS IN EXCESS OF AMOUNT DUE BY {$25.00}. 
e. Additional Principal Payments made in XXXX : XXXX XX/XX/XXXX : {$230000.00} XXXX. XX/XX/XXXX : {$11000.00} XXXX. XX/XX/XXXX ( but not applied by Shellpoint until XX/XX/XXXX ) : {$620.00} XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$190.00} XXXX Payoff Demand Dated XX/XX/XXXX. 
e. Authorization to Close and Check for {$200.00} Mailed XX/XX/XXXX ( 15 day grace period and loan closed we are told by Shellpoint on XX/XX/XXXX ). 
f. In XXXX, by letter dated XX/XX/XXXX, Shellpoint returned our check in amount of {$200.00} because loan paid in full. 

As you can see from the foregoing, with reference to the attached supporting statements, we NEVER made a late payment and even paid early! Shellpoint can not seem to understand that our XX/XX/XXXX payment of interest and principal was for the amount due XX/XX/XXXX as shown on the XX/XX/XXXX Statement. 

The notation that this account had a payment delinquent greater than XXXX  days MUST BE REMOVED AND CORRECTED. We have never had a late payment on this account.

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 2025-02-06 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-06 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: MI

Complaint narrative:
This letter is a formal dispute under the provisions of the fair credit reporting act FCRA 15 USC1 681 et seq. that you are reporting inaccurate credit information after careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report the accounts listed below are incorrect the following accounts need to be investigated immediately to reflect my truthful credit history if any of accounts below can not be verified they should be deleted from my credit report as soon as possible as I am sure you are aware the FCR requires you to properly investigate any debt dispute I'm sure that the inclusion of this inaccurate information is a mistake on either you or the credit reporters part dude. Experian actions show they did not investigate accounts as required to by FCRA and state within XXXX hours its correct when they did not investigate

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 2025-02-06 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: NJ

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

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 2025-02-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  IN # XXXX XX/XX/year> -- {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
on XX/XX/XXXX I went to XXXX XXXX XXXX for XXXX work. I paid a total of {$520.00}. The remaining balance of {$150.00} was sent to insurance and closed on XX/XX/XXXX. The updated ledger shows XXXX adjustments crediting {$43.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX with the description " XXXX XXXX XXXX ATTACHED '' due to a clerical error on the part of XXXX XXXX. 

The balance on the account is {$0.00} after this adjustment. 

Debt Collector TRANSWORLD SYSTEMS INC has been notified and provided the ledger showing {$0.00} balance from XXXX XXXX. 

TRANSWORLD SYSTEMS INC has responded " The amount on the enclosed bill is XXXX because your account has been charged off as a delinquent account. This does not mean that you have a XXXX balance. The balance due on your account can be found in the Adjustments/Transfer to Collections/Bad Debt column '' However, the ledger clearly is marked as " XXXX XXXX XXXX ATTACHED '' after the insurance payment was processed. 

TRANSWORLD SYSTEMS INC is refusing to stop the collection in the amount of {$170.00} which keeps increasing due to accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-06 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX  XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX

Company response to consumer: Closed with explanation