vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting false/inaccurate information on my report and has refused to correct their error. The are reporting XXXX INCORRECT names associated with me ; some of which I reported as inaccurate several years ago and they removed it back then but have recently attached the incorrect names to my correct file. Thereby reporting inaccurate information and hindering my ability to thrive. They are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX as names associated with me and I have never been known by these names. 
They are also reporting false/incorrect addresses associated with me and despite my request to remove the incorrect addresses they refuse. I have never lived at XXXX XXXX XXXX XXXX GA XXXX, or XXXX XXXXXXXX GA XXXX or XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
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 - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXXXXXX # XXXX - DATE XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed from my credit 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What Happened? 
I applied for a Chase Sapphire credit card with JPMorgan Chase Bank , N.A . believing I was entering into a legitimate loan agreement. However, I later discovered that the bank did not provide valuable consideration and may have unlawfully converted my signed credit application into a financial instrument for their benefit.

Key Violations & Issues : Lack of Mutual Assent & Consideration : The bank failed to sign the credit agreement, raising serious questions about the validity of the contract. 
XXXX XXXX. XXXX prohibits national banks from making loans on their own stock, and XXXX XXXX. XXXX limits lending based on capital and surplus. 
If no valid contract exists, the bank has no standing to enforce repayment. 
Fraud in the Inducement & Securities Fraud ( 18 U.S.C. 1348, SEC Rule 10b-5 ) : The bank misrepresented the nature of the transaction, leading me to believe I was receiving an actual loan.

My signature and Social Security number were converted into a security instrument, without disclosure, potentially violating 15 U.S.C. 78r and 17 C.F.R. 240.10b-5.

Unfair & Deceptive Practices ( UDAAP 12 U.S.C. 5531 & 5536 ) : The bank altered the terms of the agreement after I signed, constituting a deceptive act. 
No disclosures were made regarding my right to rescind within three days under 15 U.S.C. 1691a ( e ).

Accounting Irregularities & Demand for Audit : The bank must provide master agreements, bookkeeping entries, balance sheets, call reports, WORM compliance records, and the back-stamped promissory note to prove their claim. 
If the bank hypothecated or rehypothecated my application, this would be an unauthorized conversion of funds. 
I formally request a forensic audit to verify the banks financial records and compliance with federal regulations. 
Actions Taken : I sent interrogatories and subpoenas duces tecum requesting critical documents from JPMorgan Chase, but they have failed to provide full disclosure. 
I am currently in active litigation ( XXXX XXXX. XXXX ), and these violations directly affect my legal defense. 
Requested Resolution : A forensic audit of JPMorgan Chases handling of my credit card application, financial records, and internal bookkeeping.

Full disclosure of all documents proving Chases legal right to collect on this alleged debt.

Investigatio

n of all potential regulatory violations, including unfair lending, fraudulent inducement, and securities fraud. Maximum penalties under 15 U.S.C. 1 ( antitrust violations ) and 31 U.S.C. 3123, 3124, 3125 for any proven misconduct.

I respectfully request CFPB enforcement action against JPMorgan Chase to ensure compliance with federal laws and consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Fund 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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX CBSA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Demand To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with [ account number, if applicable ] under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Pursuant to federal and state law, I demand that you immediately stop all forms of contact with me, including but not limited to phone calls, letters, emails, or any other communication methods. This request applies to any attempt to collect this debt directly or through third parties. Please be advised that any further contact from your company, aside from legally required notices, XXXX constitute harassment and a violation of my rights under the FDCPA. If you fail to comply with this request, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, if you believe that this debt is valid, I request full validation of the debt, including the original creditors name, the amount owed, and any supporting documentation proving my obligation to pay. If you do not provide proper validation, I will consider this matter closed. Please confirm in writing that you have received and will comply with this request. Sincerely, XXXX XXXX XX/XX/year> I requested full validation of the debt including the original creditors name, the amount owed, and any supporting documentation proving my obligation to pay. I received the papers that was provided to me and none of these papers is proof that I owe debt to CBSA. There is nothing stated in agreement with signatures that I need to pay or I owe CBSA. There are no signatures whatsoever with the collector CBSA or XXXX XXXX XXXX. These papers have no verification on them whatsoever for they could be fake documents. Please respond with proper validation of debt in 30 days or this must be deleted from my credit report. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2025-02-08 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: CA

Complaint narrative:
I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed from my credit 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 non-monetary relief
Consumer complaint received 2025-02-08 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:
XXXX XXXX  XXXX I am reporting a fraudulent account found in my credit 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VT

Complaint narrative:
I was contacted yesterday ( XX/XX/year> ) via text message from number XXXX identifying as a Chime alert text claiming a transaction for {$420.00} was attempted at XXXX and to confirm or deny whether it was me. This has happened before with fraudulent charge attempts with my chime account so I thought nothing of it and replied no. I then received a text that I was going to get a call from a Chime representative. I got a call from Chime Financial phone number ( XXXX ) and spoke to a supposed agent for 32 minutes before being scammed out of XXXX dollars. Come to find out it was actually a scammer mirroring Chimes number that called me. They claimed there was 3 attempted charges made using my account and that there was automatic transfers to XXXX XXXX initiated. They claimed they were going to help me reset my information and resecure my account. They then gained access to my account and transferred {$640.00} dollars of my money which completely drained my bank account of all my money. My money was transferred to a chime account by $ XXXX without my consent. I have no idea who XXXX XXXX is. As soon as the money was transferred over I was hung up on and the phone call was cut off. I contacted chime and filed a dispute so I thought they were going to help me get my money back as Ive used them as a bank for over 4 years. Within 24 hours they have denied my dispute and told me that I was at fault for authorizing the transaction. I never authorized this transaction and never intended on paying anybody any money, I simply thought I was securing my account so that no other fraudulent transactions were made. I dont know what to do at this point. I contested the dispute denial and reopened another dispute today ( XX/XX/year> ) but I dont have much faith that Chime will make this right as they pretty much called me a liar and said I was responsible for getting scammed. Please help me to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I am requesting a copy of IRS Form 1099-C for the canceled debt associated with my account. Here are the details : Account Name : Acima Digital FKA Simple Account Number : XXXX. 
Date Opened : XX/XX/year> Charge-Off Amount : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief