vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am filing a complaint against Equifax, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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

Complaint narrative:
I was charged on my XXXX credit card for something that we did not purchase nor did we authorize.. Chase credit cards has been informed XXXX times as to this dispute and it still remains on my credit card and now I owe a late fee in addition to a charge that is fraudulent.. contacted Chase on multiple occasions to get this fixed and it is still not fixed after XXXX  months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  days have passed. With no response. Items are supposed to be removed as XXXX  days have now passed under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), Experian is required to notify consumers of the results of reinvestigation within XXXX  days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  days have passed. With no response. Items are supposed to be removed as XXXX  days have now passed under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), Equifax is required to notify consumers of the results of reinvestigation within XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within XXXX business days under the Fair Credit Reporting Act Section XXXX, XXXX XXXX XXXX. Please block and delete the following accounts : 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 Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry DatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I received a notice/letter, dated XX/XX/year>, from OneMain Financial reporting that an application for a loan in my mother 's name had been denied. She had not made any loan application. In fact, she has been deceased for about XXXX  years. 
On XX/XX/XXXX, I made several attempts to report what looks like fraud. I called explaining that the person the letter is addressed to is deceased and could not have applied, and I therefore was concerned that this was fraudulent behavior. 
The company initially refused to connect me to the fraud department, demanding that I give them my mother 's phone number ... .ummmm, I think you have be alive to have phone number! I did point this out to the representative ... .who simply said he could not continue until I provided that phone number. I hung up and called back -- got a different representative. Eventually I was 'transferred ' to the fraud department, but my call was placed in a queue that was not answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 XXXX XXXX XXXX. 

XXXX XXXX IN {$3500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 and crimes which antedates the report by XXXX  years. 

XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am formally requesting full validation of the alleged debt before I take any further action. In addition, I am requesting that you Cease Collection Efforts Until Validation Is Provided. Under 15 U.S.C. 1692g ( b ) and Cal. Civ. Code 1788.14, you are legally required to cease collection efforts until you provide full and complete validation of the debt. Continuing to collect without validation may result in legal action for violations of both federal and California state consumer protection laws. Also, Proof that this debt is not time-barred under Californias statute of limitations.

Additionally, per 15 U.S.C. 1692e ( 8 ) and Cal. Civ. Code 1788.18, you are prohibited from reporting this debt to any credit reporting agency until it has been properly validated. Since you have already reported it, I request that you immediately remove the reporting until full validation is completed.

Please respond to this request within 30 days of receiving this notification. Any further attempts to collect without proper validation may be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), and California 's consumer protection laws.

If you fail to provide the requested documentation, I will assume that this debt is invalid and expect no further communication regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. I never received a XXXX cancellation of debt form after I requested the XXXX form XXXX  times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. I never received a XXXX cancellation of debt form after I requested the XXXX form XXXX  times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the handling of my personal financial information and to assert my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6802. I believe [ XXXX XXXX XXXX ] has violated the GLBA concerning [ specifically describe the information you believe was mishandled. " the unauthorized sharing of my financial information with a third party, '' " the failure to provide me with a clear and conspicuous privacy notice, '' or " the failure to implement adequate safeguards to protect my personal financial information ''. 

I received a notification that my account information was shared with [ XXXX XXXX XXXX ]. I did not provide consent for this sharing. '' and " I requested a copy of your privacy policy and have not yet received it. " ].

15 USC 6802 places restrictions on the disclosure of nonpublic personal information. " I believe this action violates 15 USC 6802 ( a ) as it constitutes the unauthorized disclosure of my nonpublic personal information to a nonaffiliated third party. '' and " I believe this action violates 15 USC 6802 ( b ) as I have not received a clear and conspicuous initial privacy notice. '' ] I request that you immediately investigate this matter and take corrective action to ensure compliance with the GLBA. This includes DELETE this account from my credit report I expect a written response within 14 days outlining the steps you have taken to address this issue. Failure to adequately address this matter may result in further action, including but not limited to filing a complaint with the appropriate regulatory agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 2025-01-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I would like to express my concern regarding the credit inquiries made in my name. On XX/XX/XXXX, I noticed that my credit information was inquired multiple times across different bureaus, which I consider excessive and unnecessary. These actions have negatively impacted my credit history, affecting my credit score.

The repeated inquiries are not only unnecessary but, in my view, constitute an abuse of my personal information. In this regard, I request that you review and clarify the reason for these inquiries and take the necessary steps to correct any potential errors or misunderstandings that may have occurred during this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have attempted to get this debt verified for several years beginning in XXXX XXXX XXXX XXXX, and no response. In XXXX, the company sold this debt to another company which was not authorized to operate in the state of Georgia. None of my attempts have rendered the requested proof of me owning this debt. But, they have added several comments of my attempts of validity to my XXXX and XXXX reports, which have been difficult to remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 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 XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I sent XXXX, XXXX XXXX XXXX multiple letter challenging accounts has been added several times affecting my credit and score. All sent to correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all three bureau but they either never response or deleted partial inaccurate, incomplete, or unverifiable information. This is improper investigation of credit reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I have tried disputing several times accounts that do not belong to me and I have also submitted a police report and Experian has yet to remove the negative items off of my credit report which is damaging my credit the following items are 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 These are not my accounts and Im asking that they please 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NC

Complaint narrative:
Not being able to connect with a representative in cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
ThiXXXX XXXX XXXX XXXX XXXX XXXXXXXX currently advertises " Special financing on XXXX Tickets of {$250.00} or more ''. Please see the attached " XXXX XXXX XXXX '' screenshot. 

However, this benefit no longer appears to exist in practice, which would seem to then be false advertising. 

I purchased my XXXX XXXX XXXX season tickets from the XXXX XXXXXXXX ticket office for {$4400.00} on XX/XX/XXXX. And, as background, I got this credit card specifically for my XXXX season ticket purchases. 

Similar to my prior purchase of season tickets, this purchase should have incurred no interest charges for six months. Please see the attached statement from XX/XX/XXXX with the applicable six month language from my prior year purchase of season tickets on Page 1 of the PDF. And, the then accrued interest amount for that season ticket purchase on Page 3 of the PDF.

As the attached transaction history file shows, they incorrectly charged interest on this card on XX/XX/XXXX and XX/XX/XXXX. Before the second interest charge had posted, I wrote, several times, to ask them to fix this. However, they merely reversed the charge ; they did not put the purchase on the correct, special financing category. 

The payment on XX/XX/XXXX was for the prior year 's season tickets. As you will notice, no interest was charged since I paid it off completely within 6 months as also reflected in the credit card statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
On XX/XX/year> I filed my taxes with XXXX based on their add for free filing and a refund advance. Upon filing I was told that my tax prep was actually not free and would cost {$110.00}. Upon approval of the tax refund advance loan I was forced to enroll in their XXXX Credit Karma debit card account to receive my advance and the rest of my tax refund. After I had received the card and activated I was then told that I will no longer be receiving the advance and that all of my refund will be deposited into this card account. Had they been upfront with fees I wouldn't have used them anyway. Now I am stuck with a card that is very difficult to use and that will have my refund deposited onto it. Not only did they charge me {$110.00} in fees when it was supposed to be free but they also forced me to use a product which they also own that I would not want otherwise. Not to mention they charge a fee of {$4.00} just to use the card.

Company response to consumer: Closed with explanation