vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
delete any charge off from my credit report its been pay off

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 2025-04-15 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: MA

Complaint narrative:
delete any charge off from my credit report its been pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax customer service just was not helpful. Having to call several times and sit on hold for 35+ mins with no answer to the line and I requested to be placed in a voicemail several times until someone can get back to me. 

I understand things are rough and everyone is calling in but to be told theres no voice mail when my lender told me a client was able to leave a voice mail and get a call back is ridiculous. I do not understand how there can be a debt collection company, credit bureau but you have. I voicemail but there would be a direct line to the person assisting you. My matter is urgent as have been my complaints! 

I am calling because they have failed to remove one item from my report for XXXX XXXX which I have placed a dispute and several complaints agains, an item on my credit report for XXXX XXXX XXXX I never received documentation a demand letter or any kind of correspondence from the agency OR by the company who passed this information on to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Company blocked ability to make a payment online. 

They sent me to make a payment thru money gram which has a limit and can only pay cash They sent me to XXXX XXXX which also has a limit and only take cash Then I called and was given a chase bank information I sent a certified payment thru XXXX and they rejected the money. Carrington states that it was an electronic payment not a certified payment. 

Currently money is not in my account I have to wait for Chase to return the money to my account and carrington now is advising I send a wire transfer Which has a {$40.00} fee Carrington is rejecting my payment and making it difficult for me to pay I want to know if carrington would pay for my flight so I can go to their office and make the payment in person. 

I would like a record of all the situations I been having with carrington so I can sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

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 2025-04-15 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: NC

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and
demand their removal. However, no satisfactory resolution has been provided.

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Collectors International, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, my company XXXX XXXX XXXX, XXXX ) hired Debt Collectors International , Inc. ( DCI ) to collect on three unpaid commercial accounts. On XX/XX/year>, following a pattern of excessive phone calls, I requested that all communication from DCI be conducted via email only so that everything would be trackable and documented. Despite this, on XX/XX/year>, a DCI representative called me ten times within 30 minutes, which I consider harassing and excessive. 

I notified DCI on XX/XX/XXXX that we had received a payment from one of our clients and would remit their commission once the check cleared. Despite this, on XX/XX/XXXX, I received a strongly worded email from their operations manager threatening to initiate a lawsuit if payment was not made. On XX/XX/year>, XXXX debited {$2700.00} from our account using a Remotely Created Check ( RCC ), which we did not authorize. We had only approved an ACH or EFT. 

In addition, DCI emailed us a PDF copy of the payment authorization that included our full bank account and routing number unencrypted, despite their form stating the information would be protected using XXXX encryption. This mishandling of sensitive financial information has been formally reported to our bank. 

I have since requested that all accounts with DCI be closed, that all electronic payment permissions be revoked, and that no further action be taken on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
To Whom It May Concern, I am writing to formally express my dissatisfaction with the treatment I received from Barclays Security Group in connection with my recent application to upgrade my current JetBlue credit card to the JetBlue Plus card. 

I have been a loyal Barclays cardholder since XXXX, consistently maintaining excellent credit and account history. During the upgrade application process to the Jetblue Plus product, I inadvertently submitted a version of my last name that omitted a single lettera simple clerical error. Despite this, the response I received from the security representative was unprofessional, accusatory, and completely disproportionate to the situation. 

The representative stated, in a highly alarmist tone, that this is really a huge issue, followed by I dont know what I can do for you, this is a massive problem, among other insinuations that implied I was engaging in fraudulent activity. Rather than offering any support or solution, I was abruptly placed on hold and subsequently disconnected. This call took place on XX/XX/XXXX aXXXX XXXX XXXX EST. 

As a result of this incident, a hard inquiry was placed on my credit report. I find this unacceptable, as the inquiry stems from a flawed process and an error that could have been resolved amicably and professionally had I been treated with the respect and courtesy expected from a major financial institution. 

To be clear, I maintain a credit score above XXXX, along with a very low DTI, and a household income of over {$400000.00}. I am more than qualified for this upgrade and should not have been subjected to such hostile and dismissive treatment over a minor typographical error. 

I respectfully request the following : 1. A formal apology from Barclays for the manner in which I was treated. 
2. Clarification on whether my upgrade application can be reinstated without further issue. 

I hope this matter will be taken seriously and handled promptly. I can be reached at XXXX or ( XXXX ) XXXX - XXXX should you require any additional information. 

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 explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. PleaseXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. PleaseXX/XX/XXXXXX/XX/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 2025-04-15 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: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-15 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: WI

Complaint narrative:
I recently checked my credit report and noticed an unauthorized account showing up as a collection. 
This account is fraudulent and incorrect and as a consumer it is my right to request, and the credit bureaus duty to provide completely accurate information per FCRA Standards. I would like the following investigation to be completed : Proof of original contract Agreement of debt Names of representatives spoken to at ( 3 ) bureaus Dates and Timestamps provided Proof of ownership of debt

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 2025-04-15 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: LA

Complaint narrative:
under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

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 2025-04-15 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: LA

Complaint narrative:
under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I requested by email that Upstart loan company take me off of their calling list. They replied and said I was taken off the list. Today on XX/XX/year> the phone calls continued. This is happening during my work hours and it is very disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 explanation
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX XXXX -Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX -. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX XXXX -Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX -. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am filing the complaint with the CFPB against Experian to dispute late payment information posted to my XXXX XXXX account. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are required to provide complete and accurate information to credit reporting agencies ( CRAs ). However, accuracy is not just about whether a payment was lateit is about whether the late payment was reported in strict compliance with federal law. 
2.1 Demand for Method of Verification ( MOV ) Under FCRA 611 ( a ) ( 7 ), I am requesting a detailed explanation of the method used to verify this late payment. You must provide : A full description of the verification process The name of the individual or department responsible for verifying the information All documentation reviewed.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello My name is XXXX XXXX and I am a small business owner. I have a business account with chase. My old business manager who was fired last year somehow hacked into my chase account wired himself money and also made multiple charges on my card which is insane because he is in the XXXX. Chase gaslit me they told me it was my fault and refused to cover the withdrawals he did despite the fact I have fraud protection of my account they also held what money remained in the account hostage for nearly three months. They basically did nothing except yell at me it was my fault. I have a XXXX XXXX and needed my money for hospital bills etc I winded up collapsing and going to the ER. They decided not to cover the fraud that was done to my account/ I would not trust this bank as a business owner they allow people in other countries to access your account and let them wire themselves money then they gaslight you like its your fault-your money is not safe in this bank-they caused damage to my business and me on multiple levels-I recorded a woman from their fraud dpt gaslighting me and one of my business team members who confirmed I had changed my password to my online account recently for security purposes she told him off and was very rude-not only that they have the audacity to have charged me around {$200.00} usd for my business platinum account the same one I was t able to use for months-I have messages of proof this this person stated they pulled out money and hacked into my account-this person lives in reading England and they allowed him to send himself money and use my card its all on the bank statements and they then claim they cant give me my money back. Btw this person is about to be held legally accountable in the uk as this is being processed right now-I have reported everything to my lawyer and the justice system of which he is considered a felon now/im Attaching my lawyers letter to him. The police report case. The pictures of him admitting he got into my account somehow. Ive attached a screenshot of XXXX XXXX who is the criminal admitting he sent himself XXXX pounds which is around the amount he wired himself out of my account-

Company response to consumer: Closed with explanation