vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Crimson ( formerly DasherDirect ) Dispute Resolution Team for their continued violations of Regulation E and refusal to comply with federal consumer protection laws. Despite multiple attempts to resolve this matter, XXXX has wrongfully denied my claims without providing any supporting documentation and has failed to conduct a proper investigation. 

Details of the Unauthorized Transactions & Claims Claim # XXXX Unauthorized Charge : {$140.00} Merchant : XXXX ( Online Purchase ) Date of Transaction : XX/XX/year> Date Reported : XX/XX/year> Claim # XXXX Unauthorized Charges : {$38.00} & {$64.00} Merchant : XXXX Dates of Transactions : XX/XX/year> Date Reported : XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Failure to Provide Investigation Documentation Per Regulation E ( 12 CFR 1005.11 ( d ) ), a financial institution is required to provide the consumer with copies of any documentation used to determine that no error occurred upon request. Despite multiple requests, XXXX has refused to provide this documentation. 

Agents XXXX and XXXX from Crimsons Dispute Resolution Team have specifically ignored my requests and have refused to release any evidence used in their decision-making process. 

XXXX. Failure to Issue Provisional Credit Under Regulation E ( 12 CFR 1005.11 ( c ) ( 2 ) ( i ) ), I should have received a provisional credit within 10 business days of reporting my dispute if the investigation was not resolved within that timeframe. 

For Claim # XXXX, the provisional credit should have been issued by XX/XX/XXXX, XXXX has not been provided. 
For Claim # XXXX, the provisional credit should have been issued by XX/XX/XXXX, XXXX, it has not been provided. 
XXXX has refused to honor this requirement, despite my repeated written requests. 

XXXX. Failure to Properly Investigate the Claims Regulation E requires financial institutions to conduct a reasonable investigation before denying a claim. XXXX has not conducted a legitimate investigation, as they refuse to provide any proof that no error occurred. 

I have repeatedly requested that my claims be reopened and properly investigated, yet XXXX continues to ignore my requests and close my disputes without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SC

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : 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 XXXX XXXX XXXX - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-03-21 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-03-21 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: IL

Complaint narrative:
Equifax investigated XXXX XXXX XXXX my account they determine that it was fraudulent information and the information was to be deleted and it XXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/XXXX I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/XXXX the information was add back on my report again for the third time as of XX/XX/XXXX and removed again on XX/XX/XXXX the report was added back to my credit report for the fourth time as of XX/XX/XXXX they remove it again on XX/XX/XXXX now it has ended up on my credit report again for the fifth time as of XX/XX/XXXX. they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the XXXX time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Accounts : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : Capitol one Account XXXX Date opened XXXX XXXX balance {$6500.00}. 
Portfolio Recovery Services Account XXXX Date Opened XXXX XXXX balance {$660.00}. 
XXXX XXXX XXXX Mutual Account XXXX Date Opened XXXX XXXX balance {$1100.00}. 
XXXX XXXX XXXX Mutual Account XXXX Date Opened XXXX XXXX balance {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: AZ

Complaint narrative:
Received these texts from Shepherd Outsourcing XX/XX/year> XXXX Visit XXXX  : XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$630.00} for your THXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD - for which the current creditor is XXXX XXXXXXXX XXXX XXXXXXXX XXXX account XXXX 

Pay : - {$310.00} in XXXX or XXXX payments. 50 % off, that's a savings of {$310.00}! 
- Flexible payments on the Total Balance of {$630.00} - Payments as low as {$50.00} - XXXX time payment of {$630.00} This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out XX/XX/year> XXXX We have limited time to work with you before we return your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for which the current creditor is XXXX XXXX XXXX XXXXXXXX XXXX account XXXX our client. See your options aXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I called Chase credit card about XXXX AXXXX XXXX XXXX XXXXXX/XX/XXXX ), asking to block XXXX, an accounting firm which prepared my tax returns in XXXX, and XXXX because the firm made big mistakes for the preparations, I decided not to let them do my tax preparation any more. 

A gentleman told me that he couldn't do that. I then checked XXXX, and XXXX, they told me that in most cases, banks can't do block business charges, however there are some workaround methods. I told the representative : you are right, most time, banks could block, but some workarounds could be done, please let me read what the workarounds. However, he kept disrupting me by saying " what else could I do for you? ", " I can 's do that '', " you wasted my time '', ...... I couldn't read the workarounds because of his intentionally, no stopping disruptions. I said " could you give me XXXX mins, let me finish reading? ", he didn't stop, continue blaming me wasting his time. I explained why I am so concern the block, because I was victim by a business I stopped using its service for more than a year, suddenly charged me for 18 months. He didn't listen, and stopped me. repeat " what else could I help you? ". He just wanted to force me to hang up. Without my consent, he said : '' I am going to transfer to XXXX, you XXXX get help from there ''. The line was stopped, only music, no any response for long time, no one in other end. 

He was rude in behavior by not letting me have XXXX mins to read the workarounds, and repeating the " what else could I do for you? ", blamed me wasted him time, and transferred me to a no-one-there system. 

He is not a qualified customer service staff who doesn't care customer needs at all, unreasonably blame customer wasting his time. Very disappointing chase customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
Continental finance / celtric bank this company I spoke to them years ago they where supposed closed the account due to unknown charges on card they agreed to they went under a different name it wasn't on my credit for years then all of sudden it's back on my credit report saying charged off/ sold to Cks when they knew I was in the XXXX data breach back then. I have my identity theft report and my XXXX breach no.

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 2025-03-21 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complainXXXX 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian data breach on my information, they used my s.s. and there are inquiries without my consent and lowered my credit, i tried changing my number and addresses but still have reports on my data breach

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 2025-03-21 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-21 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: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-21 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: PR

Complaint narrative:
I am submitting this formal complaint to report that my credit file contains fraudulent information resulting from identity theft, specifically an unauthorized hard inquiry and account reported by XXXX XXXX  dated XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, credit reporting agencies are required by law to block all information identified as resulting from identity theft within four business days after receiving a valid identity theft report. I have already submitted my FTC Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim Despite my efforts and the documentation provided, this fraudulent item remains on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have also contacted the Federal Trade Commission ( FTC ) and filed an identity theft complaint. The report, along with my supporting documentation, has been delivered via fax and Certified Mail to the corresponding credit reporting agencies The item in question is : Inquiries/ Accounts to Remove XXXX XXXX  XX/XX/year> This unauthorized item is damaging my credit profile and causing me financial and emotional harm. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that the credit reporting agency complies with its legal obligation to remove this fraudulent item immediately, as required by law Thank you for your time and support in resolving 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