vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Filed a dispute on my credit reports and they keep giving the message : Account charged off. {$17000.00} written off. {$15000.00} past due as of XX/XX/year>. THIS SHOULD NOT HAVE A BALANCE AND THE STATUS SHOULD BE DISCHARGED through Bankruptcy XXXX  XXXX! I listed them in my bankruptcy for this debt prior, all my other creditors have the status Discharged through Bankruptcy XXXX XXXX and no balance except 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Filed a dispute on my credit reports and they keep giving the message : Account charged off. {$17000.00} written off. {$15000.00} past due as of XX/XX/year>. THIS SHOULD NOT HAVE A BALANCE AND THE STATUS SHOULD BE DISCHARGED through BankruptcXXXX XXXX XXXX! I listed them in my bankruptcy for this debt prior, all my other creditors have the status Discharged through Bankruptcy XXXX XXXX and no balance except them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX to purchase a car. During the loan application process I was told that Wells Fargo Auto would be able to give me a loan and the only way I would be able to get it would be to add in the Gap insurance. I was initially quoted at {$1400.00} then somehow it was reduced to {$840.00} for the same loan. I wasn't carrying any negative equity and the car being purchased was not over market value.I also put money down and didn't add in extra warranties at the time. I was also told by the same dealership that the only way to get the price I wanted would involve the dealer financing the car. 

Since the car purchase I have refinanced the loan with my credit union and I am waiting for the GAP insurance to be refunded from Wells Fargo. This is lengthy process almost 120 days. 

My biggest issue in this matter is that the dealership misled me by suggesting no GAP insurance no car loan.

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with XXXXXXXX XXXX for a charge of {$26.00}, as I was missing several food items from my order. I provided detailed information about the missing items in my communication, hoping for a resolution. However, to my disappointment, XXXXXXXX XXXX denied my refund, claiming they found nothing wrong with the charge despite the evidence I presented. In an effort to seek further assistance, I reached out to the XXXX XXXX XXXX, but unfortunately, they were unable to provide any meaningful support in resolving the issue. This experience left me frustrated and feeling unheard in my attempts to rectify the situation. To make matters worse, I filed a dispute with my bank, which is CHIME regarding the charge, hoping they would intervene on my behalf. However, they too denied my dispute, stating there was insufficient evidence to warrant a reversal of the charge. This series of denials has only added to my frustration, leaving me feeling stuck and powerless against the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am the co-borrower on this mortgage.The house was bought in XXXX. 
I co-signed the loan. with my daughter-in-law. In XXXX, the mortgage was bought by Carrington Mortgage. Both our names are on the warranty deed and the security deed filed at the courthouse. But after the transfer of the mortgage, my name disappeared from all documents and the account. with Carrington. I've called the company many times, but since my phone number is not associated with the loan, they will not discuss any information about the mortgage. I have faxed twice packets of documents showing my name as the co-borrower and owner of the property. I have yet to hear anything from the company. Whether my name was accidently removed or deliberate, it needs to be restored on all documentation so I can sell the property. I believe it is illegal to remove my name from these documents. Since my daughter-in-law is getting a divorce, I am making the payments to keep up. She may have something to do with taking my name off the Mortgage since I found where she approached an investor as the sole owner of the property. Something is not right I think Carrington is doing something illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: SC

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Method of verification XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
XXXX XXXX XXXX  Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$2800.00}. The original creditor is XXXX XXXX XXXX 

I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is Unknown. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete 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 2025-03-25 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-25 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: CT

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I have the right to hold these company liable for negligent noncompliance if these errors are not corrected in a timely and accurate manner.

The inaccurate information is as follows : The Bureaus XXXX XXXX XXXX These inaccuracies have negatively affected my credit standing, and I request that you promptly investigate the matter. Please provide documentation that supports the accuracy of the reported information or delete/correct the errors 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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was the victim of identity theft. This company has pursued and contacting me after a Cease and Desist request. They refuse to provide information in regard to this debt and have threatened me with legal action as well as to permanently damage my credit report. I have never held an account with this company. The date of the debt and the balance have changed on multiple occasions and are being reported across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Method of verifications XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$9000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
Collection account from XXXX with account # XXXX and a balance of {$2800.00}. The original creditor is XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete 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 non-monetary relief
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-25 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My Chase credit card was hacked on XX/XX/year>. There were travel charges from on online site called XXXX XXXX  which I have learned is a division of XXXX. I have a XXXX account, but most likely have not used for close to twenty years. I contacted XXXX XXXX, both by email and phone, and got absolutely nowhere. I then notified Chase, who told me that my card had been compromised, and I had to close out my account, and would then be reissued a new card. They then dropped the {$690.00} in fraudulent charges. This was all taken care of by the end of XXXX, and I heard nothing further. I now regularly check my online statements, to ensure no further fraud. Nothing transpired and then XXXX weeks ago, I receive my Chase statement in the mail. Shockingly, and to my horror, these {$690.00} in fraudulent charges have reappeared, wedged between my XXXX charges, nor were these shown online. I then called Chase, assuming it was a mistake. It wasn't. I have been back and forth with them, and feel that it truly has become almost like psychological warfare. I mailed a letter, sent two other letters online, multiple messages, and over 15 calls, and have spoken to well over 20 people, and have gotten nowhere. I filed a police report, and a complaint with XXXXXXXX XXXX XXXX Once Chase received the police report, the charges were dropped. Yesterday, I received a phone call from Chase that the investigation is ongoing, and they may reinstate those charges ; they did this morning. I also just contacted an attorney, and filed a complaint with the Ohio Attorney General 's office, per the suggestion of the detective with whom I filed the police report. At this point, I have spent well over twentXXXX hours trying to navigate this, and am exhasuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-25 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXXXXXX XXXX XXXX XXXX or a THIRD as it is on my Birth Certificate, California Real ID and my XXXX XXXXXXXX. I have a payment due as of XX/XX/year> for the amount of {$2500.00} & XXXX. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that this is not my debt but they did nothing, along with many other accounts on my credit reports. I do not owe this money still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation