vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Americor Funding, LLC
State: PA

Complaint narrative:
I was in a debt relief program to pay off my debts. To my creditors and friday I received a case from the state police stating i have 20 days to respond i told the relief program and they said they never begun negotiations to my creditors since i have started a year prior. I want to report americor for not helping me with my debt relief and that they did not complete the job they were supposed to help me with instead making my situation worse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-24 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NC

Complaint narrative:
I had to file XXXX disputes for unauthorized transactions on my about. This is what they sent me. 

Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/XXXX Claim Amount : XXXX Merchant Date Amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  BALANCE XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Based on the information we had and the facts of our investigation, we found no error occurred and that the transaction ( s ) listed above are valid. The reasons for our determination include, but are not limited to : No pattern indicating fraud No evidence of account compromise No evidence of device compromise Claim # XXXX Claim Amount : XXXX Dear XXXX, This letter is to inform you that we have made a final determination regarding a claim of possible errors on your Netspend Debit Account for the transaction ( s ) listed below : Merchant Date Amount XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Based on the information we had and the facts of our investigation, we found no error occurred and that the transaction ( s ) listed above are valid. The reasons for our determination include, but are not limited to : No pattern indicating fraud No evidence of account compromise No evidence of device compromise

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 2025-02-24 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: TX

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 enclosed1666 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 2025-02-24 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 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 enclosed1666 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, {$1000.00} was stolen from my companys checking account. Below is a detailed account of the events : XXXX. I first received an email notifying me that a new wire transfer recipient had been added to my account. 
XXXX. Shortly after, I received a second email stating that a wire transfer had been made from my account. 
XXXX. At XXXX PM, while on the phone with a XXXX representative attempting to stop the wire transfer, I received a third email confirming that the transfer was completed ( please see attached ). 
I initially contacted the number provided in the first email, which informed me that a new wire recipient had been added. After explaining that I had already received confirmation of the wire transfer, the representative transferred me to the fraud department. I spoke with XXXX representatives there, who then transferred me to the wire transfer department. In that department, I was told I would need to wait XXXX  days to see if the recipient bank ( XXXX ) would return the funds. I insisted that this should not be my responsibility and that XXXX should immediately reimburse the {$1000.00}. However, my request was not granted. 
Beyond my insistence that XXXX reimburse the funds immediately, I believe this incident highlights a serious security breach in your system. Heres why : Based on the screenshots from my account, no new wire transfer payeedomestic or internationalwas added. Therefore, the wire transfer was executed to a payee who was not on my list of authorized recipients, indicating that the transfer was made directly through XXXX without the need to formally add a new payee. Additionally, I always receive texts confirming login and a text for adding a payee and wiring funds, No such texts were received. 

On XX/XX/year>, XXXX notified me that they deterimined that the wire transfer was authorized by wife, who is authorized to use the account. However, she never made any transaction in the account, which was opened XXXX  yearrs ago. I asked XXXX to send me proof that the funds were sent from my wife 's computer or phone, which was what they have claimed, but I never received this proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: PA

Complaint narrative:
The following XXXX XXXX Account # XXXX for balance of {$1800.00} was disputed and still showing on credit report. This account was charged off and still shows a past due balance on the account. That is a violation if this account was charged off was cxl there should be no balance reflected on my credit report a charge off means the debt was cancel. This is reporting negatively on my report and is affecting my score please delete off my credit report due to reporting inaccuracies and per U.S. code 1681 ( c ) please update and delete. I sent various letter and sent many disputes this company does nothing was updated. 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 non-monetary relief
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. My personal information was compromised in a data breach, which has resulted in numerous fraudulent accounts and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, I request the immediate blocking and removal of the following fraudulent accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AR

Complaint narrative:
There have been many instances where I tried to have an auto repossession removed because my ex wife was made responsible for that account in my divorce to no avail. There are also accounts throughout my report that have been written off by the original creditor which makes me question the validity of accounts being reported. Any help with these matters would be greatly appreciated

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 2025-02-24 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: AR

Complaint narrative:
There have been many instances where I tried to have an auto repossession removed because my ex wife was made responsible for that account in my divorce to no avail. There are also accounts throughout my report that have been written off by the original creditor which makes me question the validity of accounts being reported. Any help with these matters would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have funds from my paycheck in my XXXX account with Bank of America. 

I was let go of my job at XXXX XXXX on XX/XX/XXXX. 

My card was deactivated on XX/XX/XXXX without notice, leaving me unable to access my XXXX funds to pay for medical bills or prescriptions, on the last day that I had medical coverage. I learned this when I went to pay for the antibiotic my doctor ordered earlier in the day, now after hours for support at BOA. 

When I called BOA on XXXX XXXX, I was told new cards were already ordered and were going out on XXXX. 

Having not received the cards, I called BOA again around XX/XX/XXXX and I was told that they were sent regular mail and it would be XXXX business days. 

I filed a complaint with the XXXX XX/XX/XXXX - as I still had not received the cards. I later learned finally that they were the wrong place to file with. 

Today XX/XX/XXXX is a month since I lost my job and health insurance, I still have not been able to receive unemployment, and I still do not have access to my XXXX funds ( that are my won funds!! ) because I have yet to receive a card from BOA. I do not have money to pay my bills at XXXX XXXX, nor can I get my prescriptions filled.

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 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: UT

Complaint narrative:
I have never lived in XXXX California. My ex employer XXXX  who is now XXXX  put me on the utilities for a house i have never been to or lived at. I have always lived in Utah and my bank statements and everything prove that. I need this taken off my credit report, i ma buying a house and this is preventing me. Please They say i lived there from XX/XX/XXXX to XX/XX/XXXX, but this is wrong. 
They are charging me nearly XXXX for trash and utilities and this is fraud and abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
The credit bureausXXXX, Experian, and XXXXhave violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under 15 U.S.C. 6801 ( b ) of the GLBA, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures.

These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.

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 2025-02-24 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2025-02-24 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
FOUND AN INQUIRY THAT I DON'T RECOGNIZE XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of Equifax data breach that has recently took place I have also repeatedly asked for these fraudulent accounts to be validated and reinvestigated and removed off of my credit report, Equifax has continued to ignore my request on reinvestigating and removing these credit accounts listed below. 

XXXX XXXX with account number XXXX XXXX XXXX with account number XXXXXXXX XXXXXXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX  with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX XXXX Again , I have repeatedly requested these fraudulent accounts be reinvestigated and removed of my credit report, Equifax has continued to ignore my request. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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