vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents Ive submitted so that I wont have to worry about this happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Equifax has failed to fulfill its 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-03-12 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX & XXXX BANK XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Please check the information concerning the XXXX Data Breach in attachments below.

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 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Galt Financial Solutions, LLC
State: TX

Complaint narrative:
I took out the loan for {$800.00} to move in good faith on paying it back. On move in day there was almost $ XXXX in property damages due to an accident I had to pay out of pocket. I have been in communication with the company up until XX/XX/XXXX. I Just received a call from a locator attempting to make me pay almost XXXX. The last time I email with a representative from the company I expressed hardship. I agreed to pay the off the amount {$800.00} splitting the paying in two to this Month as I did not have a debit card for the account payment was set up with until just recently due to fraud on my checking account. I've been calling this company not stop and emailing them and I'm no longer being answered or getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against the credit reporting agencies Equifax, TransUnion, and Experian for persistent and egregious violations of the Fair Credit Reporting Act ( FCRA ). These agencies have failed to fulfill their legal obligations, causing me years of financial hardship, reputational damage, and emotional distress.

FCRA Violations Committed by All Three Bureaus 1. 1681e ( b ) Reporting of Inaccurate Information - Inaccurate and contradictory payment histories and account statuses.

- Student loans appearing on my report without my consentthese must be removed. 
- Contradictory data between bureaus for the same accounts ( e.g., XXXX XXXX XXXX, XXXX XXXX ). 

2. 1681i ( a ) Failure to Properly Investigate Disputes - Disputes were dismissed prematurely or marked subscriber disagrees without proper reinvestigation.

3. 1681i ( a ) ( 5 ) ( B ) Reappearance of Previously Deleted Items - Disputed accounts were reinserted without required notice or certification from data furnishers.

4. 1681s-2 ( a ) ( 3 ) Failure to Flag Items as Disputed - Certain tradelines were not marked appropriately as disputed by consumer, misleading third parties.

5. 1681m ( a ) Failure to Notify of Negative Reporting - No notice was provided when derogatory items were added to my file. 

Privacy & Security Breach I have reason to believe XXXX XXXX or related parties accessed my personal data without authorization. I request immediate security/fraud alerts be placed on all three credit files.

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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please ensure the account from XXXX XXXXXXXX XXXX, ending in XXXX, is added to back to my credit report. I am an authorized user on my account and I had it removed in the past. XXXX XXXXXXXX XXXX has contacted TransUnion to have this inserted but it has failed without reason.

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 2025-03-12 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: FL

Complaint narrative:
Experian, Transunion and Equifax has failed to fulfill its 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 consumers of dispute outcomes. These failures align with my experience, where all 3 credit bureaus has neither corrected nor removed ( 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 consumers 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, Transunion and Equifax 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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A social media personality named XXXX XXXX XXXX working with my company from XXXX, XXXX was under contract to perform regular updates via iXX/XX/XXXXto promote a website. She is quite popular on XXXX and was earning a lot of money, but had a difficult personality. We knew each other for around 7 months, following her approaching my model management company, XXXX XXXX. 

We advanced her money in two payments ahead of her usual two-week pay period. At that point, she stopped responding to direct messages on XXXX, blocked our company XXXX account, and refused all attempts to reconcile this via email. 

We have been in touch with XXXX, the XXXX specific app which facilitated the remittance. We were told only one payment would be returned and that we should wait a minimum of eight weeks and that the returned amount was not guaranteed. We also contacted Chase, who we initiated chargebacks with. They were not helpful either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 hope this letter finds you well. I am writing to request the reinstatement of my accounts with XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX, which was recently suspended or deactivated which I did not request to be done also did not authorize anyone to delete it. 

Accounts Details : Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Email Address Associated with Account : XXXX I kindly ask for your consideration in reinstating my account. If there are any steps or additional information needed to facilitate this process, please let me know, and I will promptly provide what is required.

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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing this complaint regarding an error made by a Chase representative during a points transfer from my Chase XXXX Rewards account to my XXXX XXXX account. 

On XX/XX/year>, I contacted Chase to transfer XXXX XXXX Rewards points to my XXXX XXXX account. However, the Chase agent mistakenly transferred XXXX points instead. I immediately noticed the error and contacted Chase to request a reversal of the excess XXXX points. 

Despite acknowledging that the error originated from their agent, Chase has refused to reverse the excess XXXX points, citing a policy that all points transfers are final. While I understand the general policy, this situation is a clear case of an agent-initiated error, and I should not be penalized for a mistake made by their representative. 

I have escalated the matter multiple times and have been given inconsistent responses, but Chase continues to deny my request for a correction. This has resulted in the loss of XXXX points, which I did not authorize for transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This proactive violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Unauthorized Inquiries : XXXX - XXXX/XXXX/2023 XXXX - XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
My wages are currently being garnished from a bill that I have no information on. I only know that it's a medical bill from XXXX XXXX. I have no information regarding the date of service, the services rendered, etc. 

There is a record on file indicating that I'd been personally served on XX/XX/XXXX, which is false A consent was later signed by me while under unlawful duress, in order to prevent a garnishment that I was never made aware of nor was I given the opportunity to respond to it. 

I have no clue of any previous payments or payment history that was made with the company. That information was not provided when I requested my account information. 

They stopped contacting me and I recently received a notice from my employer stating that my wages were going to be garnished. 

I received this notice from my employer on XX/XX/XXXX and on XX/XX/XXXX my wages were being garnished. 

This is a very unfair practice and completely puts my children and I in a compromising position and I was completely blind-sided by it. 

There was no due diligence in contacting me and the " contract '' that they have for me was only signed b/c they have a illegitimate record of me being personally served and me signing the contract was the only way for me to prevent my wages from being garnished.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
On XX/XX/scrub>/2025 I sent a letter regarding inaccurate and unknown accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint illegally tried to sue me for foreclosure by claiming they were servicers for XXXX XXXX. Shellpoint sent their 90 day XXXX which is pertinent to all cases in NY and must be perfected - saying they were servicers for XXXX XXXX and also offered me a mod for XXXX and REPORTED IT TO THE CREDIT BUREAU before I signed it ( I never signed it ) saying that XXXX was the creditor XXXX and again in XXXX - consistently certifying they were servicers for XXXX XXXX well after the lawsuit began and well into XXXX when they apparently switched positions and certified thru CFPB that they were sorry for ever saying this was a XXXX XXXX loan. As a homeowner I am entitled to correct information when requested. In my estimation they have not been honest and I would like CFPB help me to collect XXXX per day since XX/XX/XXXX. I have attached all correspondence sent to Shellpoint in the last few moths and even tho they are still the plaintiff in a case against me, they are now saying they are no longer servicer, owner or interested party. Their latest response was that they legally don't have to respond to me since they are no longer servicers. I would like CFPB to give me a ruling on that since it looks like my rights are being violated and the CFPB is helping to allow that to continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation