vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Its honestly exhausting seeing my credit score stuck where it is because of inaccurate accounts. These entries dont reflect my financial responsibility, and theyre holding me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

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 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. The above-listed item is both inaccurate and misleading, and I demand immediate investigation and resolution of this matter.

I am confident that the information in question does not reflect my true credit history, and I request that you immediately : 1. Remove or Correct the Inaccurate Entry : The item is clearly erroneous and is negatively impacting my credit profile. I demand that it be removed or corrected without delay. If this entry is not accurate, I will not hesitate to take further legal action.

2. Provide Written Verification : If you believe that the information is correct, I require full documentation supporting your claim, including the original contract or account statements. If you can not provide such documentation, I expect the removal of the item. 
XXXX. Report the Results : Upon completion of your investigation, I require a written summary detailing your findings and a clear explanation of how the dispute was resolved. 
If this matter is not resolved within the statutory time frame of 30 days from the date of this letter, I will pursue all available legal remedies to protect my rights. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state regulatory agencies. 
This situation is a clear violation of my rights under federal law, and I will not tolerate any delay or further inaction. I expect a prompt resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Because of high interest ratesXXXX paid, {$5300.00} paid {$3200.00} paid {$1400.00}. I pay every month never late. On XX/XX/year>, I called & spoke to XXXX, id # XXXX told me Chase would give me60 months, interest free, call back when you make payment. I called back after I made payment before the XXXX, cant remember foreign name, said they didnt have notes on call.She knew nothing of balance liquidation. Called back on XX/XX/year>, after speaking with XXXX, id # XXXX, she transferred me to XXXX id # XXXX, after an hour & a half, she said I did not qualify for repayment program, because I spend more than I make. I am living on social security & retirement. I told her because they charge me almost {$500.00} a month, my budget is suffering. I realize this is my stupidity for not getting rid of a high interest card, but they wont even help you pay them back.I will not lose my home or car for this, no bankruptcy, I will take out a loan, am asking only for freeze on my account & forgiveness of interest, or just stop charging me {$500.00} interest.They said we can help you on first call, to sending me to a credit counselor.I hope you can help, this is rediculous.I also sent a letter to Chase over two weeks ago, no answer.I have no letters from them just my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have continually been asking for the following : I have requested Forward Flow Agreements, Proof of Debt Ownership and all information due to me as outlined by the FDCPA & FCRA ; including third party investigation results and full investigations pertaining to my credit under 15 USC 1681g ( full file disclosure ) and 15 USC 1681 e ( b ) ( maximum accuracy in reporting ). Et al. I demand to be able to review everything the Agency has to review pertaining to my credit report, as addresses are incorrect along with negative entries and credit pulls. 

I have received nothing useful except requests for more information from me that they should already have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NEXA Mortgage, LLC
State: WA

Complaint narrative:
Worked with XXXX XXXX at Axen Mortgage. Worst experience ever! The closing dates was delayed twice due to XXXX disappearing during the process and not returning any type of communication to anyone involved including my real estate agents. The team missed several items that were needed/ requested them very late in the process causing many problems and delays. only a few days prior to closing were we informed that we needed XXXX extra at closing to pay off previous debts which we asked several times in the beginning of the process if any of this was to be needed. Closing cost were also much higher then told, which again we asked several times what they should be. We were also sent disclosure papers that had this miss information on them and we question it, but was told by XXXX to just sign them anyways, she would have them fixed before closing. We also were informed at signing that the title company ended up paying for a second interested rate lock down which should have never been needed. I don't believe that the interest rate was ever locked in. This process got so bad that we ended up calling several people at the company including the CEO of the company trying to get the process to be closed out. We kept being told " your loan officer can help you with that '' and we didn't have a loan officer as she would not reply to any sort of communication to anyone. We tried calling, texting and email. There were several excuses made at one point for her absence but she knows that we are on timelines and she never even communicated with her own team. This lack of professional process cost me so much extra money in the end and I am still fighting it as my plan was to do a recast and the company i am with now is the worst company ever. There was also miscommunication from XXXX on this process as well. Buying a home should be joyful event and XXXX, Axen, the lies, miscommunication & lack of communication ruined the entire process. The worst part of this is that I had referred a friend to XXXX as she was buying a home as well and closed the day before for and she had all the same issues. I wish we could have been given some kind of money offer from the company or an apology as we well but nothing was ever offered by the company or XXXX. I would never recommend these people to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX - XXXX - XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request Account # XXXX Dear Portfolio Recovery Associates, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I formally request that you cease all communication with me regarding account # XXXX. 

If you believe I owe this debt, provide : Proof of the original signed agreement Complete payment history Proof of your authority to collect Failure to validate this debt may result in complaints filed with regulatory agencies. Please confirm receipt and compliance within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
I got the US Bank credit card for their rewards. They advertise 5 % cash back on certain categories. Cell phone bill being XXXX of them. Ive been paying my XXXX cell phone bill with that card. I happened to do the math and it was not making sense. I called them to ask about it and they said that XXXX was not registered with them as a cell phone provider. ( Everyone knows XXXX is a cell phone provider ) I spoke to a supervisor on XX/XX/year> and Destiny said there was nothing she could do. So, that is false advertisement. Go on their website and see for yourself. It says cell phones. It doesnt say, cell phone bills except XXXX. Or who knows what other companies they are not disclosing in their categories. =/

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 monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have maintained a relationship with XXXX for over 10 years without any issues on my part. Recently, I applied for a {$25000.00} auto loan from federal agencies, only to discover that my Experian credit score is now showing as XXXX due to an unjustified fraud report filed by XXXX in XXXX. 

I urgently need this loan by XX/XX/XXXX, but XXXX has informed me that the resolution process could take 45 to 90 days, which is simply not feasible. I filed a complaint with them on XX/XX/year> ( XXXX XXXX. XXXX ) and followed up again on XX/XX/XXXX to request a contact person to include in this claim. 

Instead of receiving clear guidance, I was transferred between different departments, forced to repeat my story multiple times, and left on hold for over an houronly to be told that : They can not provide a contact person for the XXXX  XXXX XXXX XXXX to reach out to, claiming I should know what to do. 
A relationship manager would not be available in the short term, particularly for this issue, as they do not handle claims. 
When we were about to end the call, they suddenly informed me that I need to submit my Experian Credit Report as supporting documentationsomething that was never mentioned in my initial complaint. 
To make matters worse, the only way to submit this evidence is via fax, a completely outdated and impractical requirement that seems intentionally designed to create obstacles rather than solutions. 
This entire process feels like a clear abuse of power, leaving the customer completely defenseless. The lack of transparency, accountability, and reasonable communication channels is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My identity has been stolen. My personal information somehow has been leaked and I have unauthorized accounts on my credit report. Please help me, I have attached my ftc report. This is really stressful for me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On my credit report there are two accounts that show charged off. When I called the company to get a copy of my 1099c to report the income. The company told that the account is not charged off when its clearly stated on my credit report. One account ending in XXXX and XXXX both has this under status ( Account charged off. {$560.00} written off {$530.00} past due ) ( Account charged off. {$950.00} written off. {$950.00} past due ). What was told to me by the company is different from what is being reported. I want both accounts removed from my credit report for incorrect 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