vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My mother had a checking account at Chase Bank, she had opened a XXXX XXXX XXXX  checking account for me under her. Her account was closed for whatever actions she committed, which led to my account being closed. As a result, I have been marked as do not open account under any circumstances. for reasons that were not of my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: TX

Complaint narrative:
wise closed my business account without any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NC

Complaint narrative:
Inaccurate dates on payments, was guaranteed my payments back after XXXX year and never received them, after my year contract was up they continued to report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: FL

Complaint narrative:
- company has changed the amount on my XXXX  has increased my annual premium ( which is not the original amount I signed at closing ) - On the XXXX XXXX tax form - there is an amount of - {$12000.00} of applied principal in which they are not able to provide any information about. 
- on the XXXX XXXX tax form for XXXX  year- the loan company has entered the incorrect interest payment - they also sent me XXXX different XXXX tax form for XXXX - Company has increased my loan amount from {$290000.00} to over {$310000.00} ( without any explanation ) - Loan at closing consisted of Down Payment Assistance/Deferred Balance of {$14000.00} for the XXXX XXXX XXXX XXXX I have requested for the company to redo an escrow analysis as they have the incorrect amount of Homeowner 's insurance and are charging me more than they are supposed to- I have fully paid for my XXXX Homeowner 's insurance policy, which should not be calculated into the escrow monthly payment - once again asked them to do an escrow analysis redo to revaluate the escrow amount without the homeowner 's insurance as it is fully paid off for XXXX. 
- My home is over the XXXX XXXX to qualify removal of the PMI from the FHA loan. My home is worth double the price of the actual loan mortgage of {$290000.00} - the company refused to remove the XXXX  and they refuse to do a reassess of the home value to show an increase home value of at least XXXX XXXX. 
- The company is not being transparent, has increased my loan, and has now increased my monthly mortgage over $ XXXX due to the increase in their escrow analysis. 
- I would like an investigation to occur and XXXX  XXXX to be notified

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 2025-01-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dispute of Civil Liability Pursuant to Section XXXX Dear XXXX, I am writing to formally dispute the claim of civil liability that has been asserted against me in relation to negative reports on my XXXX XXXX I believe this claim is invalid for the following reasons, particularly in light of the provisions outlined in Section XXXX of the civil liability pursuant. 

Below are the collection accounts that should be dismissed : XXXX XXXX XXXX, amount {$2700.00} XXXX XXXX XXXX, amount {$720.00} I respectfully request that you review the claim and consider the legal provisions outlined above. Given the circumstances and the information provided, I believe the liability claim is without merit and should be dismissed. 
Please acknowledge receipt of this letter and let me know the next steps in resolving this matter. 
Thank you for your attention to this claim. 
Sincerely, 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 2025-01-25 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: CA

Complaint narrative:
Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate credit reporting under FCRA and XXXX XXXX XX/XX/year>. 
XXXX XXXX Credit Card ( {$470.00} ) To whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent finding by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to the requirements constitutes a violation of federal law. 

I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items. [ XXXX XXXX Credit Card. ] XXXX. Provide me with all the documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I am writing to dispute inaccurate and fraudulent information on my credit report. I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically with regard to maintaining accurate information and conducting proper investigations into disputed information. Despite my good-faith efforts to resolve this matter, the continued reporting of this fraudulent account demonstrates negligence in maintaining accurate consumer information. Under 15 U.S.C. 1681 ( o ), Equifax may be held civilly liable for failing to meet its FCRA obligations. As a result of this negligence, I have suffered denial of credit, harm to my credit score, emotional distress, and financial loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: NJ

Complaint narrative:
I reserved and paid for a monthly rental of an XXXX  through XXXX XXXX XXXX  ( contact number : XXXX ). Upon arrival to pick up the vehicle, I was given a damaged sedan instead of the XXXX I had reserved. To make matters worse, the rental branch closed immediately after I picked up the vehicle, leaving me with no opportunity to address the issue directly. 

I was instructed to return the sedan to the airport for an exchange to receive the XXXX I originally requested. The sedan not only had a distinct smell of cigarettes or XXXX but also had a rough driving feel, which raised concerns about its overall condition. As someone inexperienced in car mechanics, I did not inspect the vehicle thoroughly, especially the undercarriage where they later claimed damage was located. 

Upon returning the vehicle, I reported the issues, including the unpleasant odor and the rough driving experience, to an agent at the airport. Despite my efforts to address these concerns promptly, I received a request for information about the incident months later, which I provided. Subsequently, I was shocked to learn that my case was handed over to a collection agency, SUMMIT A R ( XXXX, Account Number : XXXX ), which has adversely affected my XXXX XXXX with XXXX. 

I have attempted to resolve this matter with XXXX, but my concerns have not been adequately addressed. I also informed them that I paid with a XXXX that provides incident coverage and that I have rental insurance through XXXX. However, they failed to contact either party to assist in resolving the issue. 

This experience has caused me significant stress and has negatively impacted my credit record, which was previously in good standing. I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter and help facilitate a resolution, including the removal of the collection from my account and addressing the lack of customer support from XXXX XXXXXXXX XXXX 

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XX/XX/2020 {$220.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within XXXX  days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter. DELETE this account off my Chex Systems

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 2025-01-25 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: FL

Complaint narrative:
I am reporting unauthorized hard inquiries on my credit report. Upon reviewing my credit report on [ date ], I identified multiple inquiries from companies I have never applied for credit with or authorized to access my credit information. These inquiries include : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated or approved by me, and I have no business relationship with these companies. They are negatively affecting my credit score and financial profile.

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 2025-01-25 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: PA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am contacting you regarding several unauthorized inquiries made to my personal credit report. Below is a list of the companies involved, along with the dates these inquiries occurred. 

XXXX XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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 2025-01-25 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore I am requesting Equifax to show necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I am submitting this complaint regarding inaccurate late payment information that is being reported on my credit report by TRANSUNION with XXXX XXXX After reviewing my credit report, I discovered that this account is incorrectly marked with late payments for the months of XX/XX/year> AS A LATE PAYMENT. WHEN THE OTHER CREDIT AGENCIES ARE REPORTING OTHERWISE I firmly believe these late payments are inaccurate for the following reasons : I WILL ATTATCH A SCREEN SHOT WITH THIS REPORT According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate information reflected on my credit report. Since these late payments are not accurate, I request that they be thoroughly investigated and promptly removed. I kindly ask that you contact TRANSUINON to verify the accuracy of these late payments, and I request that you take appropriate action to ensure that my credit report reflects only accurate information. I appreciate your attention to this matter and trust that this issue will be resolved promptly.

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 2025-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 2025-01-25 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Date of Dispute : 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

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate : 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 2025-01-25 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 recently review a copy of my credit report and notice that I had fraudulent account on my report.Please remove this account from my report.It 's hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice that I had fraudulent account on my report.Please remove this account from my report.It 's hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief