vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am a victim of identity theft through Chase Bank XXXX credit card ending in XXXX. I became aware of said credit card around XXXX of XXXX. At the time I did not know what to do. I made payments on said card as I was raised, you pay your bills that are in your name. After speaking with my parents and informing them of the situation, they told me to stop making payments and contact Chase fraud department. I made the call and have stated multiple times what happened and why I made payments. On XX/XX/XXXX XXXX, I was contacted by Chase and asked if I had been to California around XXXX of XXXX, to which I stated no and was asked to send proof to XXXX as this card was opened in person at a branch in CA. I submitted my paystubs which show I was working in Ohio during those times as well as my XXXX XXXX contract from my employer that showed I was XXXX  in Ohio from XX/XX/XXXX, XXXX XXXX, XXXX working XXXX hours a week. The last supporting documents on said email, I submitted, was screenshots of pictures of myself, each week in XXXX and XXXX of XXXX with the location circled, showing I was in XXXX and XXXX. After sending this email, I was contacted by Chase on XX/XX/XXXX. The person I spoke with stated my supporting documents showed proof I was not in CA, at the times stated but since I made payments to this card, I was still found to be liable. During this phone call, I stated I had also became aware of a XXXXXXXX  card that was opened in my name that was currently under investigation and would be making a police report. I was told to send the police report and a letter from XXXX, once they had made their decision. I have since sent in my police report on XX/XX/XXXX and the XXXX decision letter which found me to be a victim of identity theft ( sent on XX/XX/XXXX and again on XX/XX/XXXX ). I was contacted this morning, XX/XX/XXXX, and told my police report would not be accepted as it was a statement and did not show proof of identify theft, even though I was asked to send the report. I was then asked if there were any other documents I could send them to prove my case. I then asked about the XXXX decision letter to which they had no record of me sending but was told yes that could help. I then emailed said letter again. 
Despite all of this, the company has continued billing efforts. This is a violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting CFPB assistance to confirm the account is marked as the result of identity theft and closed. I have attached emails I sent to the Chase, calls from the Chase, my police report and the XXXX decision letter. Thank you for your help in resolving this serious issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-28 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.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-28 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX. XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I previously opened a claim against Wells Fargo Bank, because I have Overdraft Bank Fees in my bank account, and my bank account has been overdrawn, because of these 3 bank fees, each fee is {$35.00}. 

I have been receiving voicemail messages from a Wells Fargo Bank XXXX XXXX Representative by the name of XXXX XXXX XXXX, I spoke to him once, and I explained my current situation to him that I'm currently unemployed, and that I can not afford to pay the overdraft bank fees, but so far nothing has been done, yet. - The 3 Overdraft Bank Fees for the total of {$100.00} dollars still showing in my account. - My bank account has been overdrawn for many days now, and I need to make a deposit to make my monthly auto insurance payment, but my account still showing overdrawn, so I can not do it, until those 3 bank fees are cleared.- I need Wells Fargo Bank to immediately reverse the 3 Overdraft Bank Fees , two for the month of XXXX, and XXXX for the month of XXXX, {$35.00} each, so I can make a deposit to cover my monthly auto insurance payment, otherwise my auto insurance will be cancelled for non-payment, and I need to drive my vehicle, because currently I'm searching for work. 

Thank you very much. 

Respectfully, 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 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email that I owed money on a loan that I took out. I proceeded to call the company and spoke to an agent who verified the information and stated that I had no active loan with them and to ignore the email. I received another email on XX/XX/XXXX staying I had a past due a balance of {$590.00} and some change and so I called back and spoke to XXXX she asked that I provide bank statements for my account. I provided bank statements for the account that I that I have active and she stated that the account numbers don't match up. I asked her which account number is showing on the loan application and she stated XXXX and I told her that that account had been closed since XX/XX/XXXX and I provided her with those statements showing that I never received the funds on XX/XX/XXXX as she has stated. And I asked for all transactions that were to be withdrawn out of my account to be stopped because I had never received any funds. I have continued to receive numerous and numerous and numerous emails from explore credit stating that I have a past due balance and that now instead of the account number ending in XXXX it is now a XXXX XXXX  ending in XXXX. They have continued to harass and harass I have explained to them over and over I have no bank account in that bank I have never taken out a loan on XX/XX/XXXX I have proved to them with both bank statements that I never received the money and they continue to send email after email and they I have finally filed a police report with XXXX XXXX. And they directed me to file a report here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery has repeatedly called my phone no less than XXXX times per week. These calls began in late summer of XXXX and have consistently invaded my work day, meetings, dinners, sleep and worst of all affected my XXXX when driving. 

I have asked PR to stop calling my phone, that I have no debt owed to them and I have never recieved a response to my request for documentation. 

They call and ask to speak to XXXX XXXX. An individual that i do not know. PR refuses to stop calling and has even XXXX to " call on the hour, ever hour, until they speak with XXXX XXXX XXXX! '' This is unacceptable and can not continue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: DC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private XXXX ) XX/XX/year> Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, loan account, and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.

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 2025-05-28 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: SC

Complaint narrative:
This account is not mine and i have no knowledge of this account being opened. This account is do to identity theft and was unauthorized XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
Way2go/Conduent had token {$350.00} of mine because I had made an order with XXXX that XXXX never received and still got charged. XXXX toldNeed to go through my bank which is the way to go card which is conduit and I've been fighting this since the beginning of XXXX. And every single dispute I put in they've denied it which I've had a supervisor going and look at every transaction and it shows that they were going to give me a provisional credit but they never initially gave it to me so a way to go decided to deduct that from my benefit money that I got from my XXXX XXXX  money for my son but I never received the provisional credit and it shows proof in the transactions and they keep denying my escalations if you denying my disputes and now they're telling me I need to go back to XXXX but XXXX sell me I need to go through my bank which I never got my XXXX order which was for my baby again it was {$350.00} the beginning of XXXX and I just keep getting denied and even recently they were supposed to have a response for me by the XXXX I didn't get a response to the XXXX and I don't understand why I have to pay for their wrongdoings for not looking at the transaction correctly and for taking my son 's money which is the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX  * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} DISCOVERCARD - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150000.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX  * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} DISCOVERCARD - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150000.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-28 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: Albert Corporation
State: AR

Complaint narrative:
I paid off the money owe on the pay loan and the app ask me to reconnect my bank through XXXX. It took out what was owe then it shows i made another loan request. I did not do it as their app does not allow to make the loan request until it is received and credited by them. I had been reaching out to support to resolved this issue. I show. Them what app shows and their attempts to take the amount. I told them to check if any issue with their system, but they keep asking for more statements. My bank did not generate that period, but I had sent print out from my bank for whole month, but they still claim I owe them and keep trying to take the money. It created financial hardship in the beginning. My bank sine placed a stop payment which I request. They do not resolved this yet and keep requesting more documents. 

XXXX XXXX XXXXalbertXXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recieved a report on my online XXXX  account stating I have an account for {$300.00} that I opened in XX/XX/ 2024 when I have not opened any new accounts. All debts, if any, had been paid off. I do not know this company, or what this is for. I am very unfamiliar with it. I'm also aware this is around the time my personal information has been compromised by a " XXXX XXXX '' in the state of Florida, which I've been notified also through 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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