vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
after noticing accounts i did not open on my credit report XX/XX/year> i mailed in to the credit bureau disputes based on identity theft. all required documents were mailed VIA USPS. no response has XXXX received to date. 3 accounts were opened with out my permission knowledge or consent by my x wife using my personal information she became familiar with during are marriage. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 
XXXX XXXX 
do too the fact the agency failed to do a investigation respond to requests for documentation or responded at all is a violation of federal law. the FCRA as well as the FTC require the credit bureaus to remove and block accounts after submitting a valid identity theft report ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
I have about {$100000.00} in private student loans with XXXX they were discharged in their entirety through default judgement when the US bankruptcy court, they are now saying I still owe the money and the credit bureaus are not helping me correct 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2025-03-08 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: AR

Complaint narrative:
I have contacted the companies i am complaining about here today several times in regards to this false information that is being reported about me. My family and I have suffered greatly due to this trash being furnished to my report. 

We have been denied our dream due to this lack of compliance and we have had enough! The discrimination stops here! 

If the action inside my dispute letter are not met within the timeline described under the FCRA we will be moving forward with a law suit, The consumer lawyers we have retained assure us that our case is solidified and that in the event that these companies choose to not comply with the law our law suit will be met with substantial compensation for our denials and emotional damages. 

Therefore once again 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 XXXX document. I am a victim of identity theft. I have multiple false accounts 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 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 2025-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a call today XX/XX/year> from XXXX RI XXXX XXXX that a credit application through Synchrony Bank on behalf of JC Penney was made in my name. They had the last Four digits of my Social Security number and said the application was made in XXXX TX. I have not authorized nor do I even shop at JC Penney. I did call Synchrony Bank and they had no record of this transaction.

I have received these types of calls in the past. When I hang up they just call back from another number. It needs to stop.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XXXX XXXX i received a direct deposit of {$4000.00} having a total account balance of {$4500.00} on XXXX XXXX i made an ACH payment of {$4000.00} later this day wells fargo declined paymen issuing a NSF FEE of {$25.00} i called wells fargo to dispute the fee, after that they frozen my account and sisabled online banking access. 

this is not the first time they disable online banking and freeze account just after i hang the phone they do this because they know when i am traveling and cant go to the branch, so they just lock down everything and told me to go to the branch as they know i cant do it. 

in the meanwhile they work with my frozen money. 

i clarify that fraud was not reported, i only reported the unfair {$25.00} fee issued by wells fargo. they cant issue a NSF fee and return the ACH pyment when i have enought funds.

i attach 2 form of id + wells fargo statement + debt card for authentication hopin i dont need to go to the branch to solve this. but last time they forced me to go to the branch, last time was end of last year.

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 2025-03-08 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: UT

Complaint narrative:
XXXXm reaching out because Ive noticed an account on my credit report that was opened without my consent. This is a case of unauthorized and fraudulent use of my identity, and I need it taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received an email from Chime that someone logged into my account and I got a welcome email. I NEVER signed up for this service! I called them to cancel but they want all kinds of personal information. Please close these scammers down!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Hard inquiries on my account were not authorized by me and i need these removed immediately. I have spoke to the credit bureau 's who refuse to investiagte and/or remove these inquiries. I am aware of the data breech and this has impacted me. 

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Hard inquiries on my account were not authorized by me and i need these removed immediately. I have spoke to the credit bureau 's who refuse to investiagte and/or remove these inquiries. I am aware of the data breech and this has impacted me. 

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 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I had a loan with a promotional period of XXXX months no interest. 

Ive been trying to pay it in full for months but had issues with the website saying I had XXXX balance with no due date. I kept receiving emails that said I had XXXX balance and XXXX due. When going to the website it provided, I would log in and there was no account linked to my information. The website they provided is GoodLeap.com when in fact the correct website is payGoodLeap.com All documents in contract note that the first payment due date is XX/XX/XXXX and Ive been trying to pay off since XX/XX/XXXX since I had funds to pay in full. I reached out to good leap customer service and there was no follow up from them. On XX/XX/XXXX I reached out again and was able to pay in full, and then after I paid the customer service rep sent me a bill for XXXX ( XXXX XXXX ) dollars because I was 3 days past the due date of XX/XX/XXXX which was not listed anywhere - in the emails or the dashboard. 

I have proof that in my account I set up automatic payments to pay the entire of the statement balance but it never triggered because GoodLeap did not list a statement balance in my account. 

They have failed to provide accurate information in all of their communications and failed to respond in a timely matter to mediate the issue. If they had responded I could have paid before this unknown due date. They are a predatory business that hides information to confuse customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2025-03-08 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: UT

Complaint narrative:
Im reaching out because Ive noticed an account on my credit report that was opened without my consent. This is a case of unauthorized and fraudulent use of my identity, and I need it taken care of 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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed an order their website for {$2500.00}, transferred the amount through my Chase Bank Business account on XXXX XXXX XXXX and they cleared the transfer and after that I started contacting about the shipment but they never replied even after numerous emails. 

That the time I called Chase Bank if they can reverse the payment I made since they already have all the details of the transaction, they said they cant help me because its an approved transaction. Even after explaining what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: UT

Complaint narrative:
The list of address below I do not recognize please remove. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-08 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: IN

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-08 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: AL

Complaint narrative:
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Original Creditor XXXX XXXX Past Due {$130.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/year> Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< I am writing to formally dispute the reporting of the above-referenced account, which I have previously disputed. According to my records, this account pertains to a satellite equipment return fee for XXXX XXXX XXXX but I returned the equipment to XXXX XXXX XXXX well before this account was placed in collections. As such, I contend that the debt being reported is not valid and request that you remove it from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. The law requires that, upon receiving a dispute, you must conduct a reasonable investigation into the claim. It is clear that the dispute I raised regarding the satellite equipment was not investigated thoroughly or accurately by your agency. If the return of the equipment was correctly processed and documented by XXXX XXXX XXXX, this debt would not exist. 

Furthermore, the FCRA Section 1681i mandates that if an item is disputed and can not be verified, it must be removed from the credit report. Given that the equipment was returned and the charge should have been resolved directly with XXXX XXXX XXXX, you have failed to comply with these legal requirements by re-reporting this account as verified when no evidence of the debt exists. 

Immediate Action Requested : I demand that you reinvestigate this matter in compliance with the FCRA. If the information remains inaccurate or unverifiable, I request that you remove the account from my credit report immediately. If you can not provide documentation proving this debt and its validity, you must correct the inaccurate reporting as required by law.

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 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
My checking account where an auto pay was set up with Loan Depot was compromised in XXXX of XXXX. At the beginning of XX/XX/year>, I gave Loan Depot my new bank information so they can use it to charge my new account for the XXXX mortgage payment. However, due to delays, incapability and incompetency on Loan Depot side, they were not able to charge my new bank account and still tried to pull money from the already compromised, which of course, did not work. Loan Depot then charged me a late fee of XXXX although I already gave them the new auto pay info before the due date of the XXXX payment. Spoke with agent and was told the fee could not be reversed. Requesting a refund on this as there is no fault on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am writing to formally dispute the lack of response from Experian regarding my previous dispute letters and to request immediate action in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX and TransUnion. 

As a consumer, I am entitled to a fair and prompt resolution when disputing charges or issues related to my account, as outlined by the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite submitting multiple dispute letters, I have not received any acknowledgment, response, or resolution to my concerns from XXXX or TransUnion. This lack of response is a violation of both my rights under the FCRA and the regulations enforced by the CFPB. 

In accordance with the CFPBs recent legal action against Experian and TransUnion for failure to properly handle consumer disputes, I request that XXXX immediately investigate my dispute, correct any errors, and provide a response to my concerns within the timeframes required by law. I am requesting that you : Provide confirmation of receipt of this dispute letter. 
Investigate and resolve the dispute promptly. 
Send me a written response detailing the outcome of your investigation and any actions taken. 
Please consider this my formal notice of non-compliance with applicable consumer protection laws. If I do not receive a timely resolution to this matter, I will have no choice but to pursue further action, including filing a complaint with the CFPB and seeking legal recourse for any damages incurred as a result of this failure. 

I look forward to your prompt attention to this matter and expect to hear from you within the statutory time limits outlined in the FCRA. XXXX ) XXXX XXXX XXXX XXXX XXXX- Not my account fraudulent inquiry. 
XXXX ) XXXX XXXX XXXX XXXX Not my account fraudulent inquiry XXXX ) XXXX XXXX XX/XX/year> fraudulent inquiry.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I received email from the bank ( PNC ) that my mobile number needs to be updated. This happened a couple of months ago ( XX/XX/XXXXXXXX  ) and i had to take a day off and get this matter resolved at their physical office. I was assured it was fixed and yesterday the same issue has flared up ( XX/XX/XXXXXXXX  ).

Company response to consumer: Closed with explanation