vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AZ

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While looking at my consumer report, I noticed some errors that were incorrect mostly pertaining to my payment history. under the fair credit reporting act my consumer report should be protected as well as credit reporting the incorrect information on my credit report is to be removed immediately I have already tried to dispute this matter, and I was given a delinquent remark on my credit report This account needed to be paid off in order for me to get my bank account back therefore, there should be no negative remarks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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 am a victim of identity theft. I discovered unauthorized accounts opened in my name, including accounts with XXXX XXXX XXXX  ( opened on XX/XX/year> ) and XXXX XXXX XXXX ( opened on XX/XX/year> ). I was alerted to these fraudulent accounts by a third-party consumer reporting company. 

I have contacted the Federal Trade Commission ( FTC ) for assistance and am working to restore my identity. These accounts were opened without my knowledge or consent, and Ive reported the issue to these companies directly for further investigation and they have failed to remove this information from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-02-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian block and remove the following fraudulent inquiries from my consumer credit report. These inquiries are a result of identity theft and fraud. Per FCRA, I expect Experian to take action within four business days of receiving this complaint.

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 2025-02-22 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:
Upon reviewing my credit report, I noticed the following unauthorized inquiries : 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 XXXXXX/XX/XXXX I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent. I request Immediate removal of the fraudulent accounts from my credit reports. Compliance from credit reporting agencies and creditors with the FCRA to ensure the information is accurate. Stopping all collection activities related to these fraudulent accounts. According to the FCRA, a company must have permissible purpose to access my credit report, such as my explicit authorization. These inquiries were made without such permission, and I believe this is a violation of the FCRA, specifically : FCRA Section 604 : Permissible purposes for accessing a consumer report. Under this section, a company must have a legitimate and permissible reason to access my credit report, such as a credit application initiated by me. These inquiries were unauthorized, and I am requesting that the CFPB investigate this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX is inaccurately reporting. You say that you have investigated these accounts and you claim all info is accurate therefore you are illegally defaming my financial character. This account has no 30 day 60 day 90 day 120 day 180 day late. 
This account illegally has me charged off every month which is illegal reaging XXXX XXXX XXXXXXXX This account has be charged off every month which is inaccurate and illegal. In XXXX It has me listed as charged off. 

XXXX XXXX XXXX This account has me charged off every month of XXXX which is illegal and you have conspired with the creditor to defame my financial character. How are you reporting this and claiming it is verified. You are a coconspirator to this crime! 

XXXX XXXX XXXXXXXX This account is illegally reporting me as consistently being charged off every month, illegal and inaccurate. 

XXXX XXXX XXXX XXXX  delete There are too many inaccuracies to count. 
They illegally charged this account off multiple times. 
The payment history is innacurate to an unbelievable rate. 

XXXX XXXX XXXX Illegally reporting me as charged off monthly since XXXX, but you reported this as accurate and verified, coconspirator. 

XXXX XXXX inaccurate im disputing the delinquent amount, and who they sold it too. They aren't listed on my report. I'm disputing the validity of this account being sold, and im disputing the inaccurate payment history including the late date of activity. This info differs on my other credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted full documentation regarding the errors on my credit file and asked for a full investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
I submitted full documentation regarding the errors on my credit file and asked for a full investigation.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a call from Chase bank telling me my checking account is being closed and when I asked why the response I received is we cant tell you but rest assured no one can override us. I asked again when I was transferred to a supervisor why and they said again we cant tell you and you signed a document agreeing to this when you opened your account years ago but we are cutting ties and you need to find a new financial institution and we will send out a check from your account with in 30 businesss days, I asked for a copy of this document and was told no and hung up on. This started with a complaint to the FDIC about a XXXXXXXX XXXX Chase complaint for the loss and refusal of repayment in the amount of {$750.00} to my checking account from a internet scam that XXXX agreed to place back in my account but Chase refused and then said let this be a life lesson to not get scammed and be a smarter person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
CFPB Complaint Against Equifax and XXXX XXXX for FCRA Violations Complaint Against Equifax : I am filing this complaint against Equifax for its continued reporting of an alleged charge-off account despite my formal dispute and failure to provide legally sufficient verification. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Equifax is required to ensure the accuracy and integrity of all reported information.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax has failed to follow reasonable procedures to ensure this charge-off is accurate. 
The burden of proof is on Equifax to provide documentation supporting the validity of the debt. 
Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) I submitted a formal dispute, yet Equifax continues to report the charge-off without providing evidence of its accuracy. 
Per XXXX v. XXXX XXXXXXXX XXXX, 357 F.3d 426 ( XXXX Cir. XXXX ), credit bureaus must conduct thorough investigations beyond simply relying on the furnishers response. 
Continued Reporting of Unverified Information ( 15 U.S.C. 1681s-2 ( b ) ) Since Equifax has failed to verify the accuracy of this charge-off, it must be deleted per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 827 F.3d 1295 XXXX XXXX XXXX. XXXX ). 
Despite my previous dispute, Equifax has not removed the entry, violating FCRA guidelines. 
Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXXed to provide the legally requested documentation to verify the charge-off, violating both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ). 

Failure to Provide Proof of Debt Obligation XXXX XXXX has not provided the original signed agreement proving my legal obligation. 
Failure to Provide Charge-Off Notification Under XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), improperly reported charge-offs can constitute an FCRA violation. 
XXXX XXXX has not provided evidence that I was notified before reporting the charge-off. 
Failure to Conduct a Reasonable Investigation The FCRA ( 15 U.S.C. 1681i ( a ) ) mandates that furnishers conduct a thorough investigation upon dispute. 
Per XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ), a mere automated verification is insufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit management has misrepresented themselves as the original creditor on a debt on my credit report that I owe to XXXX  XXXX XXXX  which is owned by XXXX XXXX. The only contact with Midland was a notice of lawsuit served by the sheriff 's dept XXXX XX/XX/year>. They refuse to accept phone calls or return them as I did call to discuss a settlement. I am very aware that Midland stays in trouble for illegal and unfair debt collection practices as stated in several legal sites. It's not that I mind paying this as I know I owe it it simply slipped my mind and I'm trying to find an amicable solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX and Credit Collections used deceitful and misleading collection efforts and threatened to damage my credit for a debt that is not owed. They claim I owe XXXX and they opened the collection file on XX/XX/year> and continue to harm my credit. They refuse to speak to me and I had no knowledge that they were going to place this on my credit. It just reported again on XX/XX/XXXX, XXXX Credit collections is the debt company for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against Solo Funds for engaging in deceptive and predatory lending practices, particularly in the state of XXXX, where payday lending is illegal. The company operates as a peer-to-peer lending platform but, in practice, functions as a payday lender while circumventing state laws. 

My concerns are as follows : Forced Tipping for Loan Approval : Solo Funds requires borrowers to provide a " tip '' in order to secure loan approval. While they claim this is optional, in reality, loan applications without tips are routinely denied. This practice effectively acts as an interest charge, making it a predatory lending scheme. 

Continued Unauthorized Charges : After sending Solo Funds a formal cease and desist letter instructing them to stop charging my debit card, they have continued to attempt unauthorized withdrawals. This clearly violates consumer rights and raises serious concerns about their adherence to fair lending and financial regulations. They attempt to withdraw money from my account for a total of XXXX times for {$750.00}, with the last attempt on XX/XX/year>. 

Illegal Lending in XXXX : XXXX  law prohibits payday loans, yet Solo Funds continues to facilitate such transactions under the guise of peer-to-peer lending. Their practices exploit financially vulnerable consumers while skirting state protections against high-interest lending. 

I request that the CFPB investigate Solo Funds for these deceptive and unfair practices. Their operations should be scrutinized to determine whether they are violating federal consumer protection laws and XXXX state regulations. Additionally, I seek assistance in stopping the unauthorized attempts to debit my account. 

Please let me know what actions I need to take to further support this complaint. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email stating that a payees number was added to my XXXX account. I checked my account and a charge of {$320.00} was debited from my account to an ( XXXX ) number not listed on my contacts. 

After their investigation, Chase moved to decline my claim stating that their IT department confirmed that the transaction was completed from my phone without even investigating who the number belongs to or where it went or try to reverse the transaction or at least get a hold of the other bank. 

As I told them, Im not the one that started the transaction, they are sticking to their claim and not protecting my account as they are supposed to. 

I just receive a letter stating that the temporary credit is going to be deducted again from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
Dear Experian, TransUnion, and Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete at once... 

NOTE ... Inquires and accounts please delete ( Experian ) ( Transunion ) and ( Equifax ) please delete this account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
Dear Experian, TransUnion, and Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete at once... 

NOTE ... Inquires and accounts please delete ( Experian ) ( Transunion ) and ( Equifax ) please delete this account 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citi bank best buy call more than XXXX times in XXXX days and call early hours on the weekend. Since last Saturday they have called me more than XXXX time a day each day. It's stressful and pointless, I told them I would make a payment next week and their website doesn't give you the option to schedule the payment l. It's harassment at this amount

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