vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I walked into the chase bank location in XXXX off XXXX XXXX and XXXX. I opened a business account with them. I also had opened a credit card with them, the banker took time to explained what the card offered. Went ahead grab my credit and I for me he was waiting on the back office to get back to him. A month later I have heard nothing, received nothing in the mail and still havent received my physical debit card. I have spoken to a regional manager who requested the branch to call me twice and still no call was received. I have called and called horrible customer service. I shouldnt be charge monthly service fee for an account that has no value. I have nothing. Plus its against the law to run my credit not tell me anything or send a letter. Chase needs to be fined!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the debt referenced by XXXX XXXX XXXX XXXX which has been reported to my credit profile. I have had no knowledge of any membership with XXXXXXXX XXXX and I have not used or authorized any such membership. Therefore, I am refusing to pay for something I did not agree to or use. 

Under 15 USC 1692c ( c ), I am entitled to notify a debt collector that I refuse to pay a debt, and the debt collector must cease all communication with me. Reporting this alleged debt to my personal credit profile constitutes a form of communication, which I believe violates the stipulations outlined in 15 USC 1692c ( c ).

As such, I request that you immediately remove this collection entry from my credit report and cease all further communication related to this matter. If this issue is not resolved promptly, I will take further action to protect my rights under the Fair Debt Collection Practices Act. 

Please confirm in writing that this matter has been addressed and that the collection entry has been removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
My data was breached and I charges and inquiries that do not belong to me.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumers Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX was closed since XX/XX/XXXX was not reported on credit report however after consistently making payments they decided that in XXXX they were going to label my account as closed in XX/XX/XXXX which negatively impacting my credit score and report as they have reported numerous late payments since XXXX and XXXX and left the status of the account incorrectly, which is causing me to have a major set back when trying to get a home due to the late payment reports from XXXXXXXX XXXX They chose now to update it to a closed account after the fact that I was trying my hardest to make monthly payments consistently for the past 5 months, many of the mortgage loan companies informed me to get 12 month of good payment history with XXXXXXXX XXXX and I will be good now Im at a road block cause XXXX XXXX wanted to incorrectly leave a negative report and chose to close it when the account was already closed since 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 2025-03-19 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:
Subject : Request for Removal of Unauthorized Credit Inquiries Dear CFPB, I hope this letter finds you well. I am writing to formally request the removal of unauthorized credit inquiries from my TransUnion credit report. Upon reviewing my credit report, I noticed multiple inquiries that I do not recognize or recall authorizing. 

The details of the inquiries in question are as follows : 1. XXXX XXXX XXXX XXXX XX/XX/year> 2XXXX XXXX  XXXX XX/XX/year> 3. XXXX XXXX XXXX XX/XX/year> 4. XXXX XXXX XXXX XX/XX/year> 5. XXXX XXXX XXXX XX/XX/year> 6. XXXX XXXX XXXX XX/XX/year> 7. XXXX XXXX XXXX XX/XX/year> 8. XXXX XXXX XXXX XXXX XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditors who pulled my credit report and have filed a dispute with them as well. I kindly request that you investigate this matter and remove these inquiries from my credit report as they do not belong there. 

Please confirm in writing once the inquiries have been removed, or if any additional documentation is needed to support my request. 

Thank you for your time and assistance. 

Sincerely, 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 2025-03-19 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-19 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-19 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Sir/Madam, I am writing to formally dispute and request verification of certain items on my TransUnion credit report, as I have identified several discrepancies that I believe to be inaccurate. My personal information is as follows : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of BirthXXXX Under the provisions of the Fair Credit Reporting Act ( FCRA ) and related regulations, I am entitled to dispute information that I believe to be inaccurate or incomplete. Specifically : 12 CFR 1006.34 ( c ) : This regulation outlines the requirements for debt collectors to provide certain information about the debt to the consumer, ensuring transparency and accuracy. 
12 CFR 1006.6 ( c ) : This section addresses the communication practices of debt collectors, including obligations to cease communication upon request and to provide validation of debts. 
15 USC 1681e ( b ) : This statute mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 ( a ) : This section pertains to the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information and correct any known inaccuracies.

In accordance with these regulations, I request that TransUnion : 1. Investigate all items on credit report. 
2. Verify the accuracy and completeness of the information with the original creditors or furnishers. 
3. Provide me with a written statement detailing the results of your investigation for each disputed item.

4. If any item can not be verified or is found to be inaccurate, promptly delete or correct the information in my credit report. 

Please conduct this investigation within the legally required timeframe and inform me of the outcome. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, 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 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I received an email from Acima " confirming '' my lease. I immediately called them and said that was not me. I did not lease anything. I asked what it was for and they would only tell me it was a device from XXXX XXXX. I told them that if it was a cell phone I own my phone and I have not even heard of XXXX XXXX and have never been to their stores. Then I received a confirmation of an updated payment method from XXXX XXXX XXXXXXXX. I do not have an open XXXX XXXXXXXX XXXX account. I had a business account and closed it a few years ago. I called Acima again and told them that. I called XXXX XXXX and they said they don't see my name on file. I thought it was a scam.

You need to know that about 5-6 years ago I froze my credit bureaus and my SSN due to identity theft attempts. Fortunately, XXXX stopped the attempts and I was forced to freeze my information because of it. I still have XXXX. 

On XX/XX/XXXX I received another email from Acima telling me I owe them {$1800.00} and I called them immediately. They told me I needed an copy of a police report and then the Acima fraud division will investigate. I demanded to know what it was I allegedly leased and I had to give them my cell phone number, physical address, and last XXXX digits of my SSN. They said everything but the phone number was the same and the phone number they have on file has an area code of XXXX. That is in California and I live in Connecticut. They claim I leased an XXXX XXXX XXXX. I did not. I asked them to brick the alleged phone and see if our call drops. ( I am sure they have caller id and could see I was calling from XXXX. ) They said no. I asked them to ping the XXXX and see where that phone is. I would be happy to go to the police and have them vouch for my whereabouts. ( Since I would be right in front of them. ) They said no. I asked them to call the call the number they have on file to see who answers. They said no. 

On XX/XX/XXXX I went to the police and made a complaint. On XX/XX/XXXX I mailed in my request for a copy. On XX/XX/XXXX my complaint was received and the check was cashed. Last week I went into the location where this XXXX was leased and asked how they could lease to someone without verifying ID. They said they do get ID but when someone goes online to lease a phone they do not check ID. Seriously! How can they do that and be a legitimate company. 

I called the records unit of the CT State Police and they have an 11 month backlog. they will not send me a copy until next XXXX of XXXX. I am at a loss as to what to do. Both Acima and XXXX XXXX require a copy of a police report for their fraud division to investigate. I AM INNOCENT! I did not lease this phone. I own everything I have. I own my home, car, phone, tv, laptop, etc. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-19 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: PA

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 disputed entries.

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 2025-03-19 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: Westlake Services, LLC
State: MD

Complaint narrative:
To Whom It May Concern, In XX/XX/2025, I contacted Westlake Financial regarding the title for my vehicle, as I had fully paid off my car three years prior but never received the title. When I called, a representative informed me that I still owed a {$1000.00} balance due to a repossession fee. However, my car was never repossessed, and this charge appeared to be an unexpected balloon payment added to my account at the end of the loan term. 

I requested a copy of my payment history, and upon reviewing the document, I noticed that my final recorded balance was {$0.00}. However, at the top of the document, the agent had manually listed a {$1000.00} balance. When I brought this discrepancy to his attention, he was unable to provide a clear explanation. I escalated the issue to a manager, but even the manager could not justify the charge. Instead, I was told that if I paid {$300.00}, they would release my title within 30 days and mark the account as paid in full. 

I made the {$300.00} payment, yet as of XX/XX/2025, I still have not received my title. Additionally, the company failed to close my account and update my credit profile as promised. Instead, my credit report now reflects a {$700.00} outstanding balance, despite assurances that my account would be marked paid in full. 

Over the past several months, I have called the company numerous timesapproximately 50 callsto resolve this issue. Despite my repeated efforts and formal complaints, they only began taking action after I threatened legal action and reporting them. Even now, my account remains inaccurately reported. 

This company has engaged in deceptive and unfair practices by misrepresenting my balance, delaying my title release, and failing to correct my credit report despite multiple assurances. I am requesting the CFPBs assistance in : XXXX. Ensuring the company immediately releases my vehicle title as required by law. 
XXXX. Correcting my credit report to reflect a paid-in-full status with a {$0.00} balance. 
XXXX. Investigating the company for unfair, deceptive, and misleading practices regarding loan repayments and title releases. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is not verified no account this is not my account they have not mind and my credit was involved in a credit breach

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 2025-03-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Sent debt validation letter certified to company on XXXX upon viewing my credit report. They received on XXXX. On XXXX they sent a letter stating they opened an investigation concerning my dispute and stated they were ceasing all collection efforts and that all 3 major credit bureaus would be notified But then I get a package post marked XXXX with a Motion for Default Judgement signed by their attorney XXXX and a Judgement Entry document unsigned by judge. On XXXX I get a letter from the court signed by the judge on XXXX in favor of the plaintiff. I never received anything about a court case from the court. It said in docket I received a copy certified and signed but again I never received nor signed for anything. Contacted court office and they told me I can come get a copy of the complaint but that is all the info they can give me that I would have to acquire legal counsel. Also debt was never verified to make judgement against.

Company response to consumer: Closed with non-monetary relief