vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: OR

Complaint narrative:
I paid off my mortgage on XX/XX/XXXX. I had a balance in my escrow account. They claim to have sent the check twice but it got lost in the mail. I spoke with someone, supposedly a supervisor, last XXXX  ( XX/XX/XXXX ) and was told I would get a call back on Friday so they could get my bank information for a direct deposit of the refund. No one called me back and they are not returning calls. I dont know what else to do about it. They confirmed to me that the checks havent been cashed and they promised to take care of it. Its been 2 months and many phone calls, and I still do not have my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Chase Bank ( MAIL XXXX XXXX ) ATTN : XXXX OFFICE XXXX XXXX XXXX XXXX, OH XXXX Subject : Demand for Immediate Removal of Fraudulent Accounts FCRA Violation Dear Chase Bank, I am writing to formally demand the immediate removal of the following fraudulent accounts from my credit report, as they were opened in my name without my authorization due to identity theft : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX I never applied for or maintained XXXX banking relationship with Chase Bank. These accounts were fraudulently opened, as previously stated in my communications regarding Reference Numbers : XXXX & XXXX. Furthermore, I have never resided at the addresses listed in your response, nor have I ever used the phone numbers associated with these fraudulent accounts. checking accounts included under my social security number with your bank because i never had any account with chase bank. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, when a consumer reports identity theft and provides the necessary documentation, creditors must block and permanently remove fraudulent accounts from their records. I have already submitted my FTC Identity Theft Report and Police Report verifying that these accounts were fraudulently opened.

Additionally, under 15 U.S.C. 1681s-2, Chase Bank , as a data furnisher, has a duty to conduct a proper investigation upon receiving a dispute. Failure to correct or remove inaccurate information after receiving notice of its inaccuracy is a violation of federal law. 

I hereby demand that Chase Bank : 1. Immediately and permanently delete the fraudulent accounts from my credit report with all credit bureaus.

2. Provide written confirmation of the removal within five ( 5 ) days of receipt of this letter.

3. Cease any further reporting of these fraudulent accounts to any credit reporting agencies.

Failure to comply with this request will result in legal action, including but not limited to filing a lawsuit for willful and negligent noncompliance with the FCRA, seeking statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

This letter serves as final notice before I pursue legal remedies. I expect a response within five ( 5 ) days of receipt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 DO NOT RECOGNIZE THIS ADDRESS XXXX XXXX XXXX XXXX PLEASE REMOVE IT FROM MY CREDIT REPORT IMMEDIATLY THANK YOU

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Gave receipts of gift cards and I had XXXX gift card membership and never received my refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
As of Monday XX/XX/XXXX, I checked my credit score which went down significantly and I was alerted to a student loan in which payments were past due. This loan was started on XX/XX/year> for the total amount of around {$10000.00} with an amount showing due of {$9100.00} with a 90 day past due amount of around {$430.00}. 

This loan was not requested or applied for by me and is either fraudulent or a reporting error. I contacted XXXX and XXXX and neither had any record of this loan. I also logged into my XXXX account and there was no record of loan. I have included screenshots of my XXXX account which reflects the loans I did take out- all of which are paid off in full. 

In response, I looked up my credit scores on each of the three credit companies, XXXX, Experian and XXXX. I could only find record of this loan through Experian, not in the other companies records. I filed a dispute with Experian. I also tried to speak to someone on the phone but could not get through to anyone. I also put a fraud alert on my account. 

I need to dispute the loan immediately and open an investigation as to what is happening with this company and why this loan is affecting my credit immediately. Thank you for your prompt attention regarding this matter.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: UT

Complaint narrative:
I am on social security retirement benefits of XXXX XXXX monthly, payable on the second Wednesday of each month. 
XXXX was recommended for direct deposit and i signed up with them about XX/XX/2022. 
I have had repeated problems with them allowing fraudsters access to my account, and defrauding me of XXXX of dollars, most of which was refunded by netspendallaccess. 
Last XXXX, i received an alert of a fraudulent transaction and called the customer service department for more information. 
They responded and said a restriction was placed on my account, charged me {$23.00} for a new replacement card to be expedited to me. 
Yesterday i called to inquire about the card and the tracking number since i was denied online access to my online banking account. 
Surprisingly, i was told that a further restriction was placed on my account until i complete an identity verification. The link sent to me wouldn't allow the verification to be done, and out of frustration, i requested that my account be closed, and the {$23.00} billed for the new card be refunded, and the final check of {$820.00} be expedited to the address on file, and offered that {$20.00} be taken off my balance for the expedited delivery. 
Netspendallaccess have blatantly refused till an identity verification is completed, and they are holding me and my money XXXX while late fees charges are accumulating for me. 
I need every help available to get this dubious establishment with very bad public relations and bad business practices release and expedite my final check to the address on file 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 2025-03-11 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: TX

Complaint narrative:
I recently checked my report and noticed a collection from direct energy on my report. I have no relationship with XXXX XXXXXXXX and I'm asking the credit bureau to investigate and delete this off my report. I believe my information was used to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: NY

Complaint narrative:
Several months ago I contacted the law office of Brett Borland to settle a debt. They would not give me anything in writing or over email to confirm the debt and that it would be taken off after payment. They only keep attempting to call in order to harass me. I was never given written notice to dispute the debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRY : XXXX XX/XX/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 2025-03-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hello, Consumer Financial Protection Bureau, I had received a letter in the mail from XXXX XXXX XXXX XXXX XXXX. They are collecting on behalf of Portfolio Recovery Assoicates , LLC. on an " alleged debt '' that I supposedly owe. The amount if for {$1200.00}. I question the legitimacy as I have not received any debt validation in regard to said debt. I will need a total explanation and debt validation so that I can investigate this claim. I attached a letter in the next section for the law firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-03-11 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:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: LA

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect information on my experian credit report. I have disputed this several times and they refuse to give me accurate information and take this off my credit report. This is a violation. Please remove as this is inaccurate information.

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 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-11 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
I recently review a copy of my credit, and saw accounts that i have no idea about, they hurting my ability to get credit, i want these accounts to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am formally disputing the following accounts that continue to be inaccurately reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ). I have previously submitted a dispute regarding these accounts and have not received any updates or resolutions. Therefore, I am now requesting their immediate removal within 15 days : 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 Original Amount Owed : {$1400.00} Status : Paid Under 15 U.S. Code 1681c ( a ) ( 4 ) & ( 5 ), paid accounts or accounts that no longer contain legally reportable negative information must not remain in a manner that negatively impacts my credit profile. Additionally, per 15 U.S. Code 1681s-2, data furnishers are required to ensure maximum possible accuracy, and these accounts are no longer lawfully reportable.

Since I previously submitted a dispute and have yet to receive an update, I now request the immediate removal of these accounts within 15 days to prevent further damage to my consumer report. Please provide written confirmation of deletion within this timeframe, per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Failure to comply with this request may result in further action. Thank you for your prompt attention to this matter. 

XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

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 2025-03-11 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief