vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had several inaccuracies on my account. Please remove this account from my report. It is hurting my ability to obtain credit. It is to my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-02-26 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: TN

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I have unfortunately fallen victim to identity theft during a challenging time when I was recovering from major XXXX XXXX and dealing with pulmonary XXXX. The account in question is a direct result of this theft, and it has caused me significant distress. I am exhausted from the constant harassment by creditors WILLIAMS & FUDGE INC on behalf of XXXX XXXX XXXX regarding an account that I do not owe. 

Every day, I receive calls and messages that only add to my stress and anxiety. It feels incredibly unfair to be pursued for something that is not my responsibility, especially when I am trying to focus on my health and well-being. I kindly ask for your assistance in resolving this matter so that I can regain my peace of mind. 

I would greatly appreciate it if you could remove this account from my credit report. This would allow me to move forward with my life without the burden of this unjust situation. Thank you for your understanding and support in helping me through this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting. 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 convictions of crimes which antedates the report by more than 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a formal complaint regarding Chase Banks refusal to properly investigate fraudulent withdrawals from my account totaling {$4900.00}, which were unauthorized and made through XXXX XXXX, XXXX, and XXXX XXXX  after my phone was stolen. 

On XX/XX/year>, at approximately XXXX XXXX, while traveling in XXXX XXXX, my phone was stolen. A suspect, XXXX XXXX, has since been arrested and charged with Access Device Fraud and Identity Theftboth felony counts. Notably, the suspect was caught at a Chase bank in XXXX XXXX, yet Chase has refused to take action to recover my stolen funds. 

Fraudulent Transactions : Total amount stolen : {$4900.00} Withdrawals made via : Cash App, XXXX, and XXXX XXXX  All transactions occurred after my phone was stolen Despite my prompt reporting of this fraud and providing Chase with a police report from the XXXX XXXX Police Department ( Case : XXXX ), Chase has failed to properly investigate and recover my funds. It is unacceptable that a Chase branch was directly involved in the apprehension of the suspect, yet Chase has taken no action to pursue recovery efforts or prevent further misuse of my funds. 

Violation of Consumer Protection Laws Under Regulation E ( Electronic Fund Transfer Act, XXXX U.S.C. XXXX et seq. ), financial institutions are required to protect consumers from unauthorized electronic transactions. Because I reported this fraud in a timely manner, my liability should be limited to {$50.00}, yet Chase has refused to reimburse me. 

Formal Demand for Action I demand that Chase conduct a full investigation into this fraud, work with law enforcement to recover my stolen funds, and provide a detailed explanation for its failure to act sooner. If Chase does not take immediate corrective action, I will be forced to escalate my complaint to the following regulatory bodies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: KY

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXAccount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
Subject : Dispute of Late Payment Reporting I am writing to formally dispute inaccurate late payment information on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ) and related U.S. codes. .I have recently reviewed my credit report and found the following accounts reported as being late, which I am challenging : XXXX XXXX  Account # XXXX Status : Past Due 60 DaysBalance : {$8300.00} XXXXAccount # : XXXX Status : Current, Was Past Due 30 Days XXXX XXXX XXXX XXXXAccount # : XXXX Status : Paid Satisfactorily I am disputing the accuracy of the late payment statuses reported on these accounts. Under 15 U.S. Code 1681 ( 2 ) ( xi ), I have the right to ensure that my credit report is accurate and complete. Additionally, under 15 U.S. Code 1666 ( b ) and 12 CFR 1026.13, creditors are required to provide accurate information regarding payment statuses ' I request that you conduct a thorough investigation into these late payment reports and provide me with documentation supporting the accuracy of the reported information. If you find that the information is indeed inaccurate, I expect it to be removed or corrected promptly. Please send me a written confirmation of your findings within the 30 days according to the Federal Trade Commission and other relevant consumer protection agencies. Thank you for your immediate attention to this matter. I trust that you will act swiftly to resolve this issue.,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$6600.00} Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My XXXX XXXX account that was closed since XXXX  is now showing open. 
And it also is showing late payments that are false. This account was never late and has been paid in full since 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 2025-02-26 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: PA

Complaint narrative:
My XXXX XXXX account that was closed since XXXX  is now showing open. 
And it also is showing late payments that are false. This account was never late and has been paid in full since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My names on my credit report is wrong I was birth XXXX XXXX I was XXXX XXXX Im now XXXX XXXX so other names on the account are not mind and some account aint mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
Called on XX/XX/year> to close my business checking account, was told account was closed. It's not. Close the account.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX recently pulled my credit report and noticed an account youre reporting, The status states, Account charged off. {$690.00} written off. {$690.00} past due of XX/XX/year>. Date Opened XXXX. 

For this charged-off/written-off account, I never received a 1099-C ( Cancellation of debt ) form, nor did I receive a debt validation letter. Please send me a 1099-C form and a debt validation letter to the address you have on file, email me a copy, and permanently remove this account from my credit report.

FCRA 1681 ( e ) ( b ) and 15 U.S.C 1681

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 2025-02-26 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: PA

Complaint narrative:
I plead with CFPB to assist me in this matter involving XXXX XXXX XXXX XXXX that is reporting late payments regarding the months : XX/XX/year> - 60 Days, XX/XX/year> XXXX, and XX/XX/year> - 120 Days. 
Please modify all late payments to Paid as Agreed Never Late. This account is reporting as a closed account and can be located on my Equifax, XXXX, XXXX credit reports. 

First, all XXXX payments are inaccurate because your financial institution refused to accept my payments and the representatives told me on the phone that they could not explain it to me.I see now this closed account is reporting NEGATIVE information ( 3 Late Payments ).

Next these late payments should be removed due to your financial institution NEVER sent me any notice at all when you placed the 3 late payments in violation of the laws I am listing below.

FCRA 623.a.7.

( 7 ) Negative Information XXXX XXXX XXXX XXXX XXXX  ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information in writing to the customer.

( Bi ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency descibed in section 603 ( p ).

Again, modify each alleged late payment to Paid As Agreed, Never Late or I will be forced to attain a litigation attorney.

Do not confuse the notice regarding FCRA 623 ( a ) ( 7 ) /FCRA 603 ( p ) with the notice sent by financial institutions regarding the notice pertaining to The Truth and Lending Act 127-A. These are 2 different notices.

I speak of the notice you must send when you identify negative information ( Late Payments ) after the alledged late payments have actually occured not before.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX I opened an American Express credit card. It was charged off in XXXX, but as of XX/XX/XXXX ( credit report ), it shows a {$6500.00} balance on all three bureaus. Two bureaus list it open, XXXX closedno payments since XX/XX/XXXX, no sale to a collector noted. In XX/XX/XXXX, I asked American Express for proof of the balance and status; got no clear response. This has hurt my credit since XXXX, contributing to denials from all major credit cards by XXXX and forcing 158 % interest loans in XXXXnormal credits impossible. Disputed XX/XX/XXXX, unresolvedsee reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-26 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
Under 15 U.S.C. 1681c-2, you are required to block and remove any information from my consumer report that resulted from identity theft within four ( 4 ) business days of receiving this letter and the enclosed documentation. Please confirm in writing that the fraudulent inquiries have been removed and provide me with an updated copy of 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 2025-02-26 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: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
was a victim of the security breach information was stolen, and there are debt collections on my credit that did not belong to me. I have no knowledge of.

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