vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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:
( 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 or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts were previously removed, only to be unjustly re-added.in accordance with Section 605B ( 15 U. S. C.s 1681c-2 ) I insist on the immediate blocking of this fraudulent information as it is the result of identity theft. Enclosed once again is my indentity theft report filed through Idtheft.gov Account Information XXXX Account 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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
They're denying me using my debit card on purchases to XXXX XXXX all of a sudden and I will provide you with the statement to show the proof. Have had no problem with them allowing me to use it until last week and I had made purchases with the debit card merely hours before & then all of a sudden I started receiving messages telling me they denied me using it for suspicious activity. I contacted cash app and they said I would no longer be allowed to use it and I asked them who XXXX  XXXX are they to decide how I spend my money ... and come to find out that all my friends have been blocked using their cash app cards on there as well. They have no right to decide how I spend my money if it's available on my card and they also have denied me being able to go into a store and add money to my card so I'm always having to give money to someone who has cash app and then they'll transfer it to me. When I asked why I could not add money to my card, I was first told that only certain people were allowed at that time to add money and eventually I would be allowed to but, I waited over a year and submitted a letter to them asking why I did not have that option and they tell me I violated their terms of service, so I asked them what term I violated and they refuse to tell me because I DID NOT VIOLATE ANYTHING! I want to be able to use my card and spend my money however I choose to do so & IF I have problems I will contact them but they have NO right whatsoever to block my transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have some inquires on my credit report I did not authorize. They should be considered fraud and removed. 

These lenders have accessed your credit file : XXXXXXXX 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 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 2025-02-19 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: NJ

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
Tis account was charged off on XXXX2024yet still show balance on my cc report. The cardholder choose to charge off thethe debt, but the sent it to collection breaking the fair debt collection act. When the choose to charge the debt off, I should have received a IRS form 1099. In which they did not do. They sold it to a collection agency. I not liable for this debt.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On approx. XX/XX/year>, I deposited a third party check. ( Note : I have deposited third party checks from the state on other occasions, but different person ). Chase bank put a hold on the check. They are still holding but have closed my acct. The funds are not available to me. They are trying to contact the payee by phone linking. We have spoken with t mobile and they have expressed that they have done everything on their end. 

I have continued to contact Chase bank with no result. I receive monthly ACH from SSI/SSXXXX . Chase sent payment back. It's XX/XX/XXXX. I still have not received. I offered to bring payee in a branch with us. Chase said no. I need my money. They won't return the check. 

I have never committed any fraud I am in the verge of becoming homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-19 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: AR

Complaint narrative:
I am writing to foI am writing to formally request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified certain negative items that I believe were reported without a permissible purpose, in violation of 15 U.S. Code 1681b. 

The specific items in question are as follows : 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 2025-02-19 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: TX

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

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 2025-02-19 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:
XXXX XXXX, XXXX, XX/XX/year> 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX as proof from the US Federal Trade Commission that all of 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 2025-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NE

Complaint narrative:
I called the debt collecting agency, REVCO XXXX, about a previous debt, and the representative told me about an account under my name. I asked to dispute it because the charges were not mine. The rep said she would file a dispute and never gave me any next steps before disconnecting. I was unaware that I had any accounts with them. I asked them to verify my address, and they had the incorrect address. The debt collector claims to have sent statements and collection notices to my home, but I never received them. 

Upon investigation, I discovered they sent all correspondence to the wrong address, depriving me of my right to dispute the debt in a timely manner. I told them I wanted to dispute these charges, and they said they could do nothing until they heard from the original debtor. I also called the original debtor, and they said there's nothing they can do because the accounts are years old and it's no longer in their systems. REVCO XXXX  won't let me dispute these charges, which are not mine, and I was never informed about them. I have attached a recording of a representative admitting that they had the incorrect address on file around XXXX in the recording, he states XXXX instead of the correct city of XXXX. They failed to properly notify me, violating the FDCPA ( 15 U.S. Code 1692g - Validation of debts ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
MIDLAND CREDIT MANAGEMENT from XXXX XXXX Ca was sold a charged off debt alleged to be owed by me. I sent a cease and desist letter on XX/XX/XXXX. This same company Sent me another letter dated for XX/XX/XXXX on this same account. I would like to file a complaint on this company for violating federal law usc 15 -1692 of the Far debt collections practices act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
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 explanation
Consumer complaint received 2025-02-19 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am partially in agreement with the remedy provided by Comenity Bank. 

In the attached document, Comenity Bank 's response indicates that a credit of {$75.00} has been applied to my account. However, it does not mention removing the delinquency reported to the credit bureaus. Additionally, Comenity Bank 's response claims that I requested to unenroll from automatic payments, a statement I refute. At no time have I initiated such a request ; if I had wanted to, I could have completed it through my online account. Furthermore, the assertion that the credit card was available for use after discussions with the fraud department is incorrect. There should have been a record of the credit card declining in XX/XX/XXXX XXXX, which prompted me to contact Comenity Bank for the third time. I was referred to the Fraud Department, where I had to answer a series of questions and was advised that the credit card was available for use ; again, that statement was incorrect, and the credit card was still declined. Comenity Bank should have a log of declinations associated with the credit card. Also, I did not receive a billing statement in the mail for XXXX, and the XXXX statement was received via email, which contradicts Comenity Bank 's implication that a statement was mailed. Why wasnt a statement mailed in XXXX if a billing statement was sent in XXXX? There was no change to the online account during that period. As stated in the letter from Comenity Bank, I restarted the automatic withdrawals on XX/XX/XXXX ; however, that was only after I submitted a phone payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I went to an XXXX ATM so I can make a withdrawal without any fees being charged. And I've used this ATM several times before. The last time I went I noticed the ATM charged me {$3.00}. The very same day I contacted chime to dispute the {$3.00} and requested a refund. They said that they saw the error and that they will fix it. Sometime went past and I contacted chime again. They said the same thing, that they saw the error and they will fix it. Sometime went past again and I contacted them for a third time. They said the same thing again. Then I contacted them a fourth time and they also said the same thing. I've contacted them four times in less than a month. I contacted them today and they told me that it's been past 30 days ( which it is not yet ) and there's nothing they can do about it. And that I must contact the XXXX XXXX. They also told me that I've never made a dispute for the {$3.00}. Which I know they should see how many times I contacted them from the very first time to the last. Every time I contacted them of course I spoke to someone different each time. So they are supposed to see how many times I've called to dispute this charge. 
I made the ATM withdrawal on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX NY. 
Today is XX/XX/XXXX. 
I made a withdrawal for {$200.00} and got charged an ATM fee for {$3.00} at an XXXX ATM which is supposed to be fee free because it's in network with my bank ( Chime ). That's the reason why I use that ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX I was approved for a loan modication from Pennymac. XXXX weeks later they did not honor the loan modification and will not allow me to apply for another one.

Company response to consumer: Closed with explanation