vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
block now please under setion 605 b permanently block XXXX  they keep sending letters in my name for reassignment why would i send a identity theft report if i wanted these fraudulent idems put back on? iv never sent a letter but transunion has 5 i have 5 letters with my name that i did not send fraud and they keep changing name dates and status

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year>, I received 2 text messages from Chime. Stating I had 2 charges on my account. One was at XXXX the other at XXXX XXXX. I denied these charges. 
Then they call me, telling me these charges were in Texas. Im in Washington. This guy was already in my account gave detailed information as to what transactions were made on my account, where, and when. 

He gave me his name ( XXXX badge number XXXX ) and his phone number XXXX. 

He had me move my money from my savings to checking. Then he had me do a couple things. And then money was transferred when I questioned it I was told it was with his supervisor and he will move it back. This happened twice. 

I contacted CHIME, gave them all my information from this situation. I kept telling them this person was in my account he had lots of information. I told them I think you guys have been hacked. 

So I filed the disputes, I talked about 10 different people in 2 days. Repeated myself to every single person, as to what happened. I was told I would get my money back. 

These disputes were filed and I was denied on them both. Chime said they found nothing wrong. And I will not get my money back. One for {$290.00}, the other for {$1500.00}. Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 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: TX

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. 



The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 



Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: MD

Complaint narrative:
Charles Schwab has hijacked both my checking and brokerage account after a small domestic wire transfer of XXXX  XXXX, which was less than 5 % of my account, I made that I assured them multiple times was made by me and was not fraudulent after phone verification. I've called them over XXXX times and they've refused to give me access back to my account. My account has been locked since early XXXX. Each time I call them, they refuse to do anything about it. They've stolen a quarter of a XXXX dollars from me, and I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>XXXX  I was the victim of a phone scam. I first received a text from XXXX XXXX asking if I made an XXXX XXXX purchase in another state at a grocery store. The text said to call XXXX and provided a phone number if I did not make this purchase. I then fell and hit my head before calling back the number, unknowingly sustaining a concussion. I then called the phone number claiming to be XXXX XXXX, and the person who answered indicated that my checking account had been electronically compromised. He then transferred me to the fraud department. He told me that in order to " undo '' these charges we had to complete a series of steps which he walked me through and described in great detail while he was accessing my phone why he needed to this. While he was on the phone with me he insisted it was very important that I stayed on the phone with him and did not make any phone calls so that we did not lose the call. He then told me the last step was to purchase gift cards at XXXXXXXX XXXX in specific denominations so that I could enter them into a XXXX app to get my funds back. I would like a refund on these funds in the amount because although Chase claims that the " activity is valid '' because the card was in my possession, I was coerced and scammed at a time when I had sustained a XXXX  XXXX XXXX XXXX. This purchase and this behavior is completely out of my character. I have never made similar purchases and an hour into the phone call I realized I was the victim of a scam. I took immediate steps to remedy the situation including cancelling all of my credit cards, my checking account, filing a police report, and having my cell phone cleaned. This situation has seriously harmed my credit and my mental health. I understand JP Morgan/Chase is backed by FDIC and I am seeking a refund for total the amount of {$7800.00} from Merchant XXXX  XXXX XXXX and Merchant XXXX  XXXX XXXX and any interest that has accrued since those transactions. I am a long-time Chase customer for both my personal and business finances and look forward to having this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
Company use my credit report and improperly violating the privacy act of 1974 also creating a Finacial hindrance to me and my family And I do not have a contract. Nor have I ever had a contract with these companies. And I'm demanding that they produce the original wet ink signature on the original contract. No copies of any sort.

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 2025-04-06 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: PR

Complaint narrative:
I am writing to formally request an investigation and removal of several fraudulent accounts that appear on my credit report. These accounts were opened without my knowledge or authorization, using my personal information fraudulently. I am protected under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies must promptly investigate and remove any accounts that are found to be fraudulent

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 2025-04-06 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: LEXISNEXIS
State: OH

Complaint narrative:
I have accounts on my credit report that does not belong to me and for the second time I am asking for a PIN number to protect my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-06 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: GA

Complaint narrative:
On XX/XX/XXXXXXXX  i checked my credit report and there was an account from XXXX  dealership that was settled back in XXXX  as fraudulent! Someone in dealership allowed a costumer to use my id without my consent multiple times! The account was earased from my credit and it reapeared back again! I lived in XXXX  at the time this happend in XXXX XXXX! It happend again! An inquiriry without my consent while im living in XXXX! How can i be in 2 places at same time while i was at work? I asked for it to be removed off my credit but it keeps popping up! Im unable to rent apt because of inacurate credit report from XXXX! Not mines

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 2025-04-06 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2025-04-06 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: IL

Complaint narrative:
A fraudulent credit card was opened in my name in XXXX. I filed a police report and submitted a dispute with Experian in XXXX when I saw it was still on my credit report. Experian refused to remove the fraudulent card and I was not given a reason.

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 2025-04-07 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-06 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:
Equifax has been reporting accounts in my report that are not mine since XXXX. Despite multiple disputes, they say it belongs to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am disputing the accuracy of the RESURGENT/LVNV FUNDING tradeline. The reported account contains multiple inaccuracies, including the balance, account status, and/or date of delinquency. I do not have a verifiable record of this debt, and I have not received proper validation from the debt collector. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of this account. If LVNV Funding is unable to provide documentation validating the debt and confirming the reported information, it must be corrected or removed from my credit report. 

I have contacted the company directly and requested verification, and have either received no response or inadequate documentation. Please investigate and update this tradeline accordingly. Documentation supporting this dispute is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: IL

Complaint narrative:
The tenants of my property and neighbors have been continuously harassed by this company. No trespassing notices are posted as well as verbal warnings regarding trespassing and requests to cease contact. 

On XX/XX/ 2025 I was notified that a woman continuously and aggressively banged on the door for over 10 minutes, was peeping in the windows and also observed entering the rear of the property. Neighbors also reported she came to their home and represented herself as a criminal investigator, but wouldnt give any other information. 

She again returned on XX/XX/ 2025 at which time she was notified by the neighbors that the tenants were not home she was trespassing. ( signs are visibly posted as well ) On XX/XX/2025 at around XXXX cst a woman was observed via surveillance photos ignoring no trespassing signs, banging aggressively on the front door and peeping through windows. A XXXX XXXX on the property was confronted by her at which time she proceeded to give details of a debt. The XXXX XXXX told her she was trespassing and to leave the property or they would call the police. She then proceeded to the neighbors whom told her the same. She then sat in the roadway in front of the property. Neighbors observed her handing paperwork to a delivery driver for XXXX. 
( The paperwork can be seen in a provided delivery photo ). No paperwork was present when the package was retrieved. 

On XX/XX/2025 the woman returned, again ignoring no trespassing signs, ignoring previous request to cease contact and aggressively banging on the door continuously for an extended period of time. 

On XX/XX/2025 a man in the same vehicle as the previous woman is observed on surveillance banging on the door, peering through windows and peeking into private areas of the yard. Also ignoring visibly posted no trespassing signs. This man sat in front of the property after leaving the porch for 30+ minutes. Eventually a XXXX XXXX arrived and informed him he was trespassing and needed to leave. The man did not, but stayed and later re-entered the property, approaching the minor child as they were leaving and disclosing information regarding a debt at which the minor informed him he was going to call the police if he kept harassing him. The man then went to his car and eventually left. 
Tenants and neighbors have reported that these individuals continually disturb them and ignore requests to quit contacting them and to stop trespassing on their property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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:
The company submitted to credit agencies that I did not pay the XXXX and XX/XX/year> bills that were sent to me. When I contacted the company after getting a credit alert, the company noted I was in paperless billing and that the bills were sent via email. When I asked to confirm the email to which the bills were sent, the company noted they did not have any email address on file for me. Therefore, the bills were never sent. I could not pay a bill I did not receive. Therefore, reporting me as not having paid the unsent bills was inaccurate. The company confirmed the right postal address and phone number but used neither of these to contact me regarding the issue. I have had this credit card for XXXX  years with a perfect payment record.

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 2025-04-07 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app transactions and not been resolved or money return backed to account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Upon review of my consumer credit report, there were numerous unauthorized credit inquiries. I have not consented to any request for information within my consumer credit report by your company. I request immediate removal. I have notified all credit bureaus. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation