vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My mother. Whose last name is XXXX has received repeated emails from the company about my debt. I never gave her information on my application. Or let it be known that she was related, or is allowed to be provided with this information. 

My rights have been viololated. Under the Fair Debt and Collection Act, it states unknown parties are not to be given debt information. She has received an email regarding my debt every single day. How do they even know what relationship I have with her. XXXX search will show people you ( may ) be related to. But that is not permission to disclose financial information. And sometimes there is no relation, its just a person that may have lived at a rental property address that I lived at before. The emails are very specific, as to who I owe the debt to and how much I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : 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 2025-03-29 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. 
The account is XXXX XXXX XXXX XXXX Account number ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-03-29 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 OF XXXX AND 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 AND XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : ** Dispute of Incorrect Charge-Off Reporting XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to my records, this account was closed, and I do not believe it should be reported as a charge-off. 

I kindly request a thorough investigation into this matter. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. If XXXX XXXX XXXX XXXX can not verify the accuracy of this charge-off, I request its immediate removal from my credit report. 

Attached are copies of my credit report reflecting the charge-off, along with any supporting documentation related to the account. I request that you review this dispute promptly and provide a resolution. Please respond in writing regarding the outcome of this dispute. 

Thank you for your time and assistance. I look forward to your prompt response. 

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 non-monetary relief
Consumer complaint received 2025-03-29 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:
Details of the Dispute : Transaction Date : XXXX Amount : {$9000.00} Merchant : XXXX I made a purchase on XXXX, but the transaction resulted in several issues : 1. Partial Delivery Failure : A significant portion of my order was held by customs, and I was never able to receive it. Despite my attempts to resolve this matter with the seller, they refused to provide any assistance or initiate a refund. 
2. Damaged Goods : The part of the order that did arrive was in a severely damaged condition.

3. Merchants Refusal to Accept Returns : The seller declined to accept the return of the damaged goods and refused to issue any form of reimbursement.

4. Delivery Delays : Additionally, the seller failed to meet the agreed delivery timeline, further complicating the situation. 
Chase reversed the temporary credit and closed the dispute without a clear explanation. Furthermore, I did not receive adequate communication regarding any additional steps I could have taken. 

I kindly request the CFPB to assist me in ensuring a fair and transparent resolution of this case. Specifically, I would like : 1. A thorough review of my dispute by Chase.

2. An opportunity to provide any further documentation if necessary.

3. A detailed explanation of why my dispute was denied.

4. A reconsideration of the dispute decision. 


Thank you for your attention. Please feel free to contact me for any further information. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX I noticed my card was not working and I needed it so I walked into a Chase branch in XXXX ( XXXX XXXX XXXX. When I inserted my debit card the teller said that my account was closed. I never closed the account. I gave her the card and she looked in her system and it was strange because it showed it was still active. She asked if I wanted to change the numbers on my debit card and I said no, keep the numbers but a new card. Since I had the debit card in my possession and it was not lost/stolen they said ok. As I'm driving a few blocks away I get a notification asking about fraudulent chargers. At this point the following transaction were done while I was at the Chase bank! 

XXXX {$300.00} Staples {$180.00} Staples {$85.00} XXXX XXXX In {$31.00} XXXX {$4.00} I DID NOT MAKE THESE TRANSACTIONS!!!! I don't shop at these stores. When I spoke on the phone and cancelled my card they said to not worry they would return the XXXX I appealed twice and they said they authorized the transactions because the " actual chip card was presented '' ( no it wasn't I was at the chase bank with it in hand ) and it's in my geographical area so they can not prove that it was actually fraud. They also said I did not report it lost/stolen when I was in the branch. I had the hard in my hand so it was not lost/stolen! I was at the Chase branch with the debit card in question while this was happening. I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/year>2025, I was charged {$99.00} for XXXX XXXX ( XXXX XXXX ). I contacted my credit card company to find out what the charge was for and to dispute if possible. 
When I spoke to the rep, she indicated this is a recurring charge so I would not be able to dispute without first calling the merchant. 
She explained the charge is for a sporting/other event or camp, neither of which I have done in years. 
Unfortunately, I have not caught the charges in the past and wonder how far it goes back. I have seen complaints about this company and wanted to report they are still automatically enrolling and charging fees unbeknownst to the consumer. 
I just found out and intend on calling Monday, XX/XX/year>2025 to cancel and request a refund for all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ATM failed to dispense cash. 
The ATM was a Chase ATM. 
The account was a XXXX XXXX Debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: I.C. System, Inc.
State: GA

Complaint narrative:
The information that is reporting from I.C. SYSTEM is a violation of the Fair Credit Reporting Act. Information is inaccurate on account # XXXX in the amount of {$580.00}.

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 2025-03-29 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: NY

Complaint narrative:
I am here requesting a re-investigation of my consumer report. I understand Experian has been violating consumers rights 15 U.S.C 1681e ( b ) & 15 U.S.C 1681 ( a ) see Consumer financial protection bureau Vs Experian information solutions inc .

I have an inaccurate invalid public record on my credit report which is violation on evasion of purpose requirement 2.5.4.3 see XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA explains how errors can occur in public records see case XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Transunion , Experian & XXXX is also in violation of 15 U.S.C 1681 602A states I have the right to privacy section 604 states A states CRA must have written consent. 

XXXX also has a pending court case which violates the same rights as mines see case XXXX v XXXX XXXX XXXX XXXX XXXX. I am uploading proof of inaccuracys. 

XXXX is attempting to use boilerplate language to not identify as a CRA see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) Pacer, Bankruptcy court gov doesnt correspond with nor confirm information with CRAs as they do not have any jurisdiction. I am requesting immediate deletion of this public record on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: Westlake Services, LLC
State: MN

Complaint narrative:
During the months of XXXX and XXXX, I visited two dealerships with the intention of buying a car. They collected my information, and both confirmed that I was eligible to purchase a vehicle. However, after some thought, I decided not to buy from either dealership. Eventually, I traded in my car and added a small amount of money to get a new vehicle.

To my surprise, I now see four inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. i have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 USC 1681S2A Furnishers must report accurate information under 15 USC 1681I The credit bureaus must perform reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-03-29 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-29 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: CA

Complaint narrative:
I instructed the credit agencies to remove all non-XXXX  addresses. I also instructed them to take off any and all adverse information on my credit profile to validate the debt. They chose to try to send copies digital copies with no signatures wedding of valid as a form of validation, which Im not accepting and Im demanding that it be removed

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 2025-03-29 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: CA

Complaint narrative:
I instructed the credit agencies to remove all non-XXXX  addresses. I also instructed them to take off any and all adverse information on my credit profile to validate the debt. They chose to try to send copies digital copies with no signatures wedding of valid as a form of validation, which Im not accepting and Im demanding that it be removed

Company response to consumer: Closed with explanation