vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-12 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.
State: NJ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DUE TO NON-VALIDATION OF DISPUTE, THIS ACCOUNT WAS DELETED FROM MY XXXX CREDIT REPORT AND I FELL VICTIM TO THE XXXX DATA BREACH MY INFORMATION WAS COMPROMISE XXXX XXXX XXXXXXXX AMOUNT {$2100.00}

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been a Capital One account holder since XXXX. I scheduled a payment online and the system posted it the day after the due date. Due date was XX/XX/XXXX, payment was scheduled for XX/XX/XXXX, payment posted on XX/XX/XXXX. I called Capital One inquiring why the payment didn't post when I scheduled it for the due date of XX/XX/XXXX. Capital One could not explain. I was then charged a {$29.00} late fee. I have paid off the card, less the {$29.00} fee, and closed the account. I have called customer service requesting the {$29.00} fee be reversed as I scheduled my payment on time and paid my entire balance off. Customer service, supervisors and managers were " unable '' to override the system to waive the {$29.00} fee. I find it hard to believe that management is unable to waive a {$29.00} fee even though they want to. I am filing this complaint in hopes Capital One will be able to find the ability to waive the {$29.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I SUBMITTED IDENTITY THEFT REPORT AND SUPPORTING DOCUMENTS AND STILL HAVE NOT HAD THE INFORMATION DELETED YET

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED IDENTITY THEFT REPORT AND SUPPORTING DOCUMENTS AND STILL HAVE NOT HAD THE INFORMATION DELETED YET

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 2025-02-12 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: FL

Complaint narrative:
I purchased items from a store, and while the package was delivered, some items were missing. Since it was marked as delivered, the shipping company denied my claim. The merchant initially promised to refund me, but because I had already filed a claim with Chase, I had to cancel my request with the bank. 

The merchant then strung me along for months, repeatedly saying I would receive a refund. Their excuse was that they hadn't yet received a chargeback refund, so they couldn't process my refund. After waiting two months, I contacted my bank again, only to find out that I had missed the deadline to submit the required paperwork. 

Originally, I called Chase, and they instructed me to submit the documents online through their inbox. Later, they requested that I send the dispute via fax. Since I didnt own a fax machine or printer, I had to find a way to send it. Unfortunately, I was able to submit it only two days after the deadline, which resulted in my claim being denied. 

I have proof that the merchant lied to me about the refund, yet Chase is refusing to help. The merchant falsely claimed they had refunded me, but I never received any money for the missing items or the item I returned. Now, both the merchant and my bank are refusing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-12 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My identity has been stolen. I have has someone try to file taxes in my name and that was told to me from the irs. I have numerous social security numbers on my credit report that are not accurate and i have tried to get them off. XXXX and equifax has had Data leaks and informed me i was impacted n both. I have had bank accounta opened in my name as well that is NOT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally to express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies my financial institution Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicates that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Collection Receivables, Inc.
State: FL

Complaint narrative:
XXXX with XXXX XXXX called this morning to settle my remaining debt of {$130.00} and some change. She started off with a polite tone however at this point I believe it was all a facade. She has no place in customer service, she does not know how to speak politely to people. She got extremely frustrated that I could not pay right this second on my debt, I explained to her that I can pay half of the debt tomorrow and the second half in 2 weeks. she explained to me since I had defaulted prior that I would not be eligible for payment arrangements. I told her OK. I understand that she even said well we need to get this debt settled right away, which trust me, I understand, and then proceeded to ask again what I could put down right this second so we can get this settled I told her I cant do anything right this second however I get paid later and should be able to get a payment in by the end of the day. She then ever so rudely proceeded to say well you know what Ill just let you figure this out by yourself Im terminating the call. She did not give me a chance to explain the payment that I could do today and then the payment that I could do in two weeks. I called back and spoke with someone who was much more understanding than her and let me explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUESTED DEBT VALIDATION AND DUE TO NON-VALIDATION, THESE ACCOUNTS WERE DELETED FROM MY XXXX XXXX  REPORT ACC {$4000.00} 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 2025-02-12 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: NY

Complaint narrative:
Not giving me the information to identify the creditor collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not giving me the information to identify the creditor collections.

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 2025-02-12 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating the XXXX Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The XXXX Department violated confidentiality provisions of the Internal Revenue Code by giving XXXX XXXX  team access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to XXXX Department databases that contain such information -- the National XXXX XXXX  Data System, XXXX XXXX XXXX and XXXX XXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX staff in violation of the Privacy Act. The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

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 2025-02-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating the XXXX Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The XXXX Department violated confidentiality provisions of the Internal Revenue Code by giving XXXX XXXX team access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to XXXX Department databases that contain such information -- the National XXXX XXXX Data System, XXXX XXXX XXXX and XXXX XXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX staff in violation of the Privacy Act. The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

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 2025-02-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating the XXXX Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The XXXX Department violated confidentiality provisions of the Internal Revenue Code by giving XXXX XXXX XXXX access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to XXXX Department databases that contain such information -- the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX staff in violation of the Privacy Act. The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

Company response to consumer: Closed with explanation