vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : [ Your Contact Number ] Email Address : [ Your Email Address ] Social Security Number : 7004 Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies and collection agencies regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws due to identity theft and failure to update my personal information. 

Nature of the Complaint : I have been a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests, my personal information has not been updated as required by law. Furthermore, I have been denied access to my credit profile, which further substantiates my claim of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : [ Your Contact Number ] Email Address : [ Your Email Address ] Social Security Number : 7004 Subject : Request to Block Fraudulent Information Due to Identity Theft To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies and collection agencies regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws due to identity theft and failure to update my personal information. 

Nature of the Complaint : I have been a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests, my personal information has not been updated as required by law. Furthermore, I have been denied access to my credit profile, which further substantiates my claim of fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted several written touches to Equifax, Experian and Transition however I have nor received verification letters for the accounts nor are the accounts that are paid in full are not marked as closed or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am writing to formally request the blocking and deletion of fraudulent accounts associated with my credit report. I am a victim of identity theft and believe these accounts were created without my knowledge or authorization. My personal information was exposed in the Equifax data breach, which has significantly impacted my financial security. 
Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit file. 
Please consider this letter as my official request to investigate and address this matter immediately The accounts I believe to be fraudulent are as follows : [ Provide details of the accounts-e.g., creditor name, account number, date opened, etc. ] To assist with your investigation, I have enclosed the documents find attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are 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 explanation
Consumer complaint received 2025-03-09 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:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/year> I spoke with customer service. 
I asked about the interest charge on my account. They explained that I had not paid my balance statement because I had not paid my statement balance by the time it was due even though I had been making payments during the month to payoff the balance or at least that is what I thought. 
I requested that they reverse the interest charge. They said that they needed to submit my request because I had already asked for one on the previous statement. They said that I would get a decision but I was never contacted. 
I had set up auto pay in the past but they told me that for some reason that it was no longer set up. ( Maybe I did that ) They did send me an e-mail on how set up auto payment but the directions did not line up with what I saw on my screen on both my android or the computer. So I decided to just make payments during the month thinking that those payments would be applied towards the balance statement. 

XX/XX/year> When I looked at my new statement, I see that I was charged more interest even though the total of my payments during the past statement period was more than the balance statement from the last statement. I tried calling but all I got was an automated message. I tried various ways to get to a live a customer service representative but I only got the automated message time and time again.

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 monetary relief
Consumer complaint received 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Information was in data breach and it is on my report as negative item and miss payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: DISCOVER BANK
State: PA

Complaint narrative:
Information was in data breach and it is on my report as negative item and miss payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nexum Group Inc
State: TX

Complaint narrative:
I hired XXXX, in spring of XXXX. After paying their monthly dues for 5 months, it became very apparent that they were NOT delivering on their own agreement. This breach was the result of over promsing me on XXXX different points. I sent the owners of XXXX XXXX and XXXX XXXX notice, certified mail, emails, and texts to discuss my disappointment and to let them know I am not going to pay any further fees, due to their failure to deliver on the agreement This is nearly 4 YEARS ago, to date. I saw the alleged balance on my credit report in XXXX of XXXX, seems that the company NEXUM group reported to XXXX I had a debt of XXXX. I don't owe XXXX Nexum a dime. In fact I paid them for every month as a client, despite them not delivering on their agreement. The owners did NOT reply to my letters, emails, or texts to their personal cell phones. 

I did receive multiple phone calls from NEXUM. I did forward all my emails, breach of contract notice to the owners, etc. I have not heard from them since summer of XXXX. 
I emailed : XXXX I had many conversations with her, sent the letters to her, and had never heard back from owners, nor Nexum in over 3 YEARS. 
The statute of limitations had past by the time they reported the inaccurate debt. 

I don't own XXXX Nexum any money. I would argue they owe me for wasting my time, money, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is trying to close my Chase Freedom account without a cause. I asked them why and they said for political purposes. I was just approved for my chase credit card ending in XXXX in XX/XX/year> only to be informed in XX/XX/year> that it will be closed which will hurt my overall credit status. This will shrink the average age of my credit, debt to ration which will lead to my credit score dropping.

The part that they said they don't have an answer and I have never had any negative accounts, late payment, banking history or negative impact on my previous credit card is cause of concern for me. 
I spoke to one supervisor who said this is most likely political motivated. He did not wanted his name to use in this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
Im writing because Ive noticed an account on my credit report that I do not recognize and is completely unknown to me. This seems like a case of mixed data or an error, and I need it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From XXXX to XXXX, XXXX  I was scammed out of {$5500.00} between fraudulent checks and unauthorized XXXX payments . Despite immediately going into Chase XXXX XXXX XXXX when I realized that I was the victim of a scam, and closing out my old checking account, unauthorized XXXX continued from my new account. 

I have been working relentlessly to re-open my claims as this was so evidently a scam, and every time they have been closed citing that " I '' authorized the XXXX despite the fact that I went into a Chase branch, closed out my account, and opened a new one to avoid just that. They repeatedly stated that I authorized the XXXX despite it making no sense- why would I close out an account and then keep XXXX the scammers? 

I filed a police report, and the detective is actively working to find the three people involved in scamming me, but as you can imagine, it's a slow and difficult process to locate these people. I am XXXX XXXX XXXX XXXX and in XXXX XXXX - this money is vital for me to pay rent and keep food on the table. Chase has been very hard to communicate with, and I do not feel protected or valued as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management INC calling me XXXX  times a day threatening to sue me. Im a victim of identity theft fraudulent charges. I dont know this company I havent signed a contract with them. Customer service is rude very aggressive. One of the customer service representatives told me if I didnt pay. I would be arrested on the spot. I could face XXXX XXXX imprisonment with felony charges if convicted. The representative told me they would take my car and have my child placed in froster care. Ive ask them to send me a contact with my signature to validate this debt they have refused to cooperate with this matter. They have continued to harass me over XXXX XXXX for a debt I dont owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
XXXX, XXXX, XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by Experian under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( XXXX XXXX. XXXX ), I have been impacted by fraudulent account that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
Account Name : Dept of EducationXXXX Account XXXX : XXXX : Balance : {$2400.00} : Opened : XX/XX/year> Your agency has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the 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 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a checking account with Chase Bank, and transferred my money from my XXXX XXXX XXXX checking account. At the same time, I needed to pay something and my debit card with Chase had not come in yet, so I transferred some money back to my XXXX XXXX account. That was the end of that- I got a text message saying to call Chase , otherwise they will close my account. I called within minutes, and the lady on the phone told me that my account was closed due to an internal decision and she was not going to give me any details about it, just that it was closed and that the bank was holding onto my money for XXXX XXXXXXXX XXXX, and then they will mail me a paper check. The amount should be {$5300.00}. The issue is that I have bills to pay, I'm just a regular XXXX of XXXX XXXX working hard to earn my money and now I have NOTHING while there are bills coming in a couple of days. I paid XXXX XXXX XXXX using my bank and routing number with Chase, and now that payment will bounce back and cause me fees, and late payments, and the potential of XXXX taking my car with just XXXX payments to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
Im reaching out because theres an account on my credit report thats incorrect and needs to be removed immediately. This account is currently in pending litigation, and Ive already taken steps to address the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DONT RECORNIZE THE FOLLOWING ADDRESS. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX  XXXX. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
Im reaching out because theres an account on my credit report thats incorrect and needs to be removed immediately. This account is currently in pending litigation, and Ive already taken steps to address the situation.

Company response to consumer: Closed with explanation