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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing incorrect reporting of charge - off accounts because they non compliance with FCRA and IRS regulations.

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 — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was a victim of identity theft and a fraudulent business checking account was opened in my name at Chase Bank. Ive contacted Chase to no avail because the account still has not been closed. I had to freeze my credit, file a police report, go to the branch office, and have talked to numerous Chase representatives since XX/XX/XXXX. However, as of XX/XX/XXXX I am still receiving bank statements for a fraudulent account. Chase informs me there is nothing I can do to have this account closed and taken out of my name although it is a fraudulent account.

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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 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: 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 was result of identity theft
Company: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
I never was approved for a loan from this company. I never received a loan from this company.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed XXXXXXXX XXXX  to experian because I have asked for a I want a copy of the chain of agreement, the purchase agreement, the forward flow agreement, insurance claim of debt, and my signature in agreement of debt fro. XXXXXXXX XXXX records. And they have faild to provide and properly investigate the claim of debt by discover bank and remove it from my credit report

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed XXXXXXXX XXXX  to experian because I have asked for a I want a copy of the chain of agreement, the purchase agreement, the forward flow agreement, insurance claim of debt, and my signature in agreement of debt fro. XXXXXXXX XXXX records. And they have faild to provide and properly investigate the claim of debt by discover bank and remove it 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 — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: KEYCORP
State: UT

Complaint narrative:
XXXX XXXX XXXX I'll stole my money XXXX had key bank account closed with XXXX notary

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on account number XXXX, XXXX XXXXXXXX XXXX due to the account not belonging to me. Experian denied to follow up with the investigation. I was recently notified that CFPB had filed a lawsuit against Experian. The alleged the company of accepting unreliable information and failure to notify consumer of results. This aligns with my situations. Im requesting the derogatory remark be removed as its affecting my chances of getting a house, car, etc. Experian violates my rights as a consumer as well as federal laws.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I dispute the following hard inquiries on my credit report : 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/year> Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

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: GA

Complaint narrative:
Complaint : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally dispute the reporting of a collection account associated with Experian, Equifax, and TransUnion on my credit report. I believe the reporting of this debt is inaccurate and does not comply with applicable federal regulations. These items were purchased by a third-party debt collector, but the information on my credit report does not reflect the correct status, amount, or details of this account. 

Inaccurate Reporting : The reported debt shows an incorrect balance, and it reflects amounts that do not align with the agreement made with the third-party debt collector. This debt was settled for less than the amount owed, but the credit reports from Experian, Equifax, and TransUnion do not reflect this. As a result, the information reported is not accurate and violates the Fair Credit Reporting Act ( FCRA ), which requires complete and accurate reporting. 

Failure to Issue 1099-C : The collection agency failed to issue a 1099-C for the debt that was settled for less than the owed amount. I am unaware of the exact amount the collection company paid for this item, and my credit report does not reflect such amounts. The failure to issue the 1099-C or report accurate information about the settled amount is a clear violation of the FCRA. 

I have attached a copy of my credit reports with the discrepancies highlighted for your reference.

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: 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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 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: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 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 — Old information reappears or never goes away
Company: MOHELA
State: FL

Complaint narrative:
I was a victim of identity theft back in XXXX, I started to see credit cards, student loans, and auto loans on my profile. I asked the school and Mohela to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing 2 student loans, XXXX : Mohela Account # : XXXX Open XX/XX/year> Balance {$1400.00} : Mohela Account # : XXXX Open XX/XX/year> Balance : {$1800.00}. All account has interest with late payment which is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
{$160.00} on XX/XX/year> from a XXXX XXXX debit card. I had not been notified of this. This letter kept getting sent to my mother who lives 4 hours away from me. I was completely unaware of this

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: WI

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practice, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App fail to take timely and efficientive 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 the 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
My personal information has been in several data breaches please help clean my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In accordance with my previous complaint, I found additional monies that Wells Fargo took from me that were never reimbursed. NONE of the monies I am owed have been reimbursed at this point in that Well Fargo has continuously denied their unjustly taking of money from my account until recently when they admitted to mailing a check to an address that I hadnt lived at in 3 plus years. In XXXX, I contacted Wells Fargo with an updated address which would explain why I did receive the checks for XXXX dollars, and XXXX dollars. But, somehow despite only providing an updated address once, those small checks arrived but the large checks with the vast majority of the money they owe me, did not. Wells Fargo is intentionally avoiding paying what they illegally took from my accounts and what they owe me to reprehend the taking of money from my account illegally, were mailed to an extremely outdated address. Now, Wells Fargo refuses to cancel the checks and reissue me new checks with the correct amount owed, despite those initial checks they wrote being for the wrong amount and despite them remaining uncashed for several years now. The checks have obviously gone to a place where they will not be recovered. This was intentional by Wells Fargo. Wells Fargo, you should be ashamed of yourself. What you did was shameful and advantageous, and now to hassle those you owe and effected negatively to a huge degree, so greatly, our peace of mind, our sanity, and our financial outlooks. This is disgusting behavior on your part. How you sleep at night I do not know. If you perpetuate this type of behavior, know that you brought sadness and misery to people already financially underserved. I am attaching additional bank records that I found for an additional account. You are the bankers and need to verify that nothing has been left out, but that nothing is also doubled. Please, send the money you owe me to XXXX XXXXXXXX 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 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: EQUIFAX, INC.
State: FL

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 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: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
someone put a check into my banking account without my permission

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