vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am filing this complaint regarding the unauthorized reinsertion of a previously deleted account on my credit report by [ Credit Bureau Name ], concerning XXXX XXXX XXXX XXXX XXXX Account # XXXX. 

This account was previously disputed and removed, but as of XX/XX/year>, it has reappeared on my credit report without any notice or validation, in violation of the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : " A consumer reporting agency shall notify the consumer not later than 5 business days after the reinsertion if the information is reinserted. '' I was not notified within 5 business days of this reinsertion, nor was I provided with the furnisher 's name and contact information, as required by law.

Violation of FCRA Section 607 ( b ) : " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. '' The balance reported ( {$40000.00} ) is inaccurate in context to the credit limit ( {$6700.00} ), and the charge-off status with a high balance raises questions about the accuracy and validation of this debt. 

Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : " If the completeness or accuracy of any item of information contained in a consumers file is disputed... the agency shall conduct a reasonable reinvestigation. '' There is no evidence of reinvestigation or verification provided before reinserting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/2025, I submitted a dispute through Chases online platform for a refund owed by a merchant. Despite providing clear documentation and receiving confirmation from Chase that I was entitled to a {$340.00} credit, that credit has still not posted to my account as of XX/XX/2025. 

Throughout this dispute, I have contacted Chase multiple times via phone and secure messages. I have been told by Chase representatives that the credit was approved and would be applied within a specific timeframe. When it did not post as promised, I followed up numerous times, only to encounter incorrect information, repeated requests for me to call back, and dismissive responses. 

Most concerningly, during a XX/XX/XXXX phone call, a Chase representative hung up on me when I attempted to clarify my concerns. I then spoke with a supervisor, who refused to provide the agents name or offer any assurance that my issue would be resolved. The supervisor was curt, unhelpful, and dismissive, providing no additional clarity or next steps. 

As a result of these failures, I was forced to pay my entire credit card bill, including the disputed amount, on XXXX XXXX to avoid interest and any impact on my credit score. This situation has caused undue stress, wasted significant time, and eroded my trust in Chases ability to handle disputes fairly and efficiently.

Attached are documents supporting my complaint : ( 1 ) Merchant ( XXXX ) acknowledgement of the {$340.00} refund ; ( 2 ) Chases XX/XX/XXXX letter confirming the credit ; ( 3 ) Screenshots of secure messages showing Chases incorrect and dismissive responses ; and ( 4 ) Call logs documenting my numerous attempts to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 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 submitting this formal complaint regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit FTC Report Number # XXXX, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately. 
XXXX : The account was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 
XXXX XXXXXXXX : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to compliance and consumer protection. 
XXXX XXXX  XXXX. : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters. 
XXXX  : I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
XXXX : The account mentioned has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted 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 2025-03-23 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 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 thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-23 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: Kikoff Inc.
State: NY

Complaint narrative:
there's a nagative mark with my name attached to it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint through Cash App ( block, inc. ) due to inadequate costumer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. 
Further more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AL

Complaint narrative:
UPDATE XXXX to paid in full- See 1099 C for proof.

Remove all hard inquiry - that was not validated the Power of Attorney ( That mean all of them ) You have four days upon receiving this Notice to update the profile. ( You don't have 30 days, you have 4 BUSINESS DAYS ) Remove all collection that has not been validate by the Power of Attorney Update the Name- XXXX XXXX XXXX Should be the only name on the profile Remove all Address that is not XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Scheduled fee for PENALTY I am removing Each Credit Reporting Agency Power Attorney and introducing a New Power Attorney Update accordingly.

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 2025-03-22 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: AL

Complaint narrative:
UPDATE XXXX to paid in full- See 1099 C for proof.

Remove all hard inquiry - that was not validated the Power of Attorney ( That mean all of them ) You have four days upon receiving this Notice to update the profile. ( You don't have 30 days, you have 4 BUSINESS DAYS ) Remove all collection that has not been validate by the Power of Attorney Update the Name- XXXX XXXX XXXX Should be the only name on the profile Remove all Address that is not XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Scheduled fee for PENALTY I am removing Each Credit Reporting Agency Power Attorney and introducing a New Power Attorney Update accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was on a settlement with company. I paid the settlement balance in full but credit report is still showing that I owe a {$300.00} balance, this information is incorrect. 

Settlement confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) SECTION 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
I WANT REPORTED ACCOUNTS REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account Info Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX MI XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$860.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$860.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX 2027

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
FIRSTHAND I AM KNOCKING THIS DOORS FOR MY FUTURE PLANS. THANKS IN ADVANCE. 

XXXX, TRANSUNION AND XXXX  SEND INFORMATION ABOUT FRAUD ALERT AND 4 INQUIERIES. 

ALSO, I WOULD LIKE TO KNOW IF A BANKRUPTCY THAT I FILED COULD BE RECONSIDERED IN MY REPORTS FOR HOME ADQUISITION. 

DPTO.OF EDUCATIONXXXX : I DID MAKE AUTPAY BUT THE FIRST TIME IT WAS NOT APPLIED WHAT LED ME TO NON-PAYMENT.

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 2025-03-23 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:
XXXXansUnion, Equifax and Experian has failed to fulfill is legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation 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 TransUnion, Equifax and 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 TransUnion, Equifax and Experian has neither corrected nor removed disputed accounts, as their 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 2025-03-23 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: TX

Complaint narrative:
XXXXansUnion, Equifax and Experian has failed to fulfill is legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation 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 TransUnion, Equifax and 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 TransUnion, Equifax and Experian has neither corrected nor removed disputed accounts, as their inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting inaccurate dates opened.

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 2025-03-23 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: IN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NE

Complaint narrative:
The contract for my auto lease was XX/XX/year>. I cant remember the exact date, but I traded the vehicle in for another almost 3 years ago. When I traded the vehicle everything was paid off, the account said paid in full with a XXXX balance. That reflected on my credit as well. Then XXXXXXXX XXXX sent a bill saying I owed XXXX dollars after everything was paid off. I called them to ask what this bill was for, my account said paid in full. They said my account was paid in full. I even accessed my online account to see if I could pay and there was no payment to be made. I havent received anything from XXXX in years, and my credit report has shown the XXXX XXXX account closed and paid in full and in good standing. Never missed a payment. Now all of sudden they are saying I owed XXXX dollars, and closed the account as a charge off and it dramatically effected my score. I havent heard from this company in years and still have no idea why they are saying I owed this when this whole time my credit report said paid in full now its a charge off. Years ago when I talked to XXXX they never said what that XXXX dollars was for and was told my account was paid in full.

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 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: SD

Complaint narrative:
Company tried to steal over XXXX from me a XXXX veteran but my bank stopped them to protect my checking account but they took the money in my savings account The name of the company is rausch Sturm LLP out of wisconsin and the lawyer is out of XXXX XXXX, mn ( XXXX XXXX XXXX ) this so called debt is from 2016 and is pass the state law for the time by 2 yrs ( sd )

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On multiple occasions when trying to request refunds and contact cash app about missing funds they never reached out and provided fake customer service support or no customer service support available nor public to its customers at all

Company response to consumer: Closed with explanation