vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged ff every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-04-21 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:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax XXXX and Equifax Information Services LLC, XXXX XXXX XXXX File No. XXXX SPECIAL XXXX TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application foXXXX XXXX XXXX XXXX Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: PR

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payment. I've attached a copy of my report for comparison on the following date, XX/XX/year>. I'm now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt 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 2025-04-21 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX BALANCED {$4600.00} XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX BALANCED {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$7900.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXX BALANCED {$6600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-04-21 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 
Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 
XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing regarding the alleged debt related to the above-referenced account. I dispute the validity of this debt and request that you provide me with the proper verification and validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the accounts that need to be removed from my file : XXXX XXXX * * * * * * * * * * * Balance {$0.00XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX * * * * Balance {$0.00}

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 2025-04-21 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: IL

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAU is required by law to remove any accounts which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
I am writing regarding the alleged debt related to the above-referenced account. I dispute the validity of this debt and request that you provide me with the proper verification and validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am wrote to formally dispute and demand immediate removal of fraudulent account records currently associated with my name and identity in your database. I have never, under any circumstances, opened accounts with JPMorgan Chase or XXXX XXXX XXXX. The presence of these accounts on my Early Warning report is the result of identity theft. 

Details of the fraudulent accounts are as follows : 1. JPMorgan Chase Bank Bank Name : JPMorgan Chase XXXX Routing Number : XXXX Account Number : XXXX Opened : XX/XX/2022 | Closed : XX/XX/2022 Status : Closed For Cause Purged Name Used : XXXX, XXXX Fraudulent Address Used : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Email Used : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - East Routing Number : XXXX Account Number : XXXX Opened : XX/XX/2022 | Closed : XX/XX/2022 Status : Closed Purged Fraudulent Address Used : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Let me be absolutely clear : I have never lived at XXXX XXXX XXXX XXXX XXXX, TN. 
I have resided at XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX for the past 10 years. The personal and financial information used to open these accounts was obtained and used fraudulently. These are crimes of identity theft, and I am a victim. 

I have filed a report with the Federal Trade Commission ( FTC ) as well as a police report, both of which are attached to this letter for your reference. They never investigated it properly and when I talk to representative i was racially profiled because of my voice and was rudely hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the accounts that need to be removed from my file : XXXX XXXX * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * Balance Owed : {$0.00} XXXX XXXX * * * * Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I XXXX XXXX, on XXXX. I go on vacation to XXXX, XXXX. 
I come back, and the next morning I check my account, and notice a purchase I never made. I call my bank and let them know that I never made this charge and that is a fraud, and I request a new card as well. Wells Fargo opens up a claim on my behalf XX/XX/year>. 
I waited, and never heard back, so I went ahead and call Wells Fargo to hear back that it was denied. 
I again ask for my claim to be reopen due to the fraud charge on my account I never authorized. Wells Fargo representative said theres nothing we cant do. So, I go ahead and go in person to my closest branch in XXXX XXXX on XXXX. I speak to a representative that also calls in and looks up the charge and tells me why isnt Wells Fargo noticing that the charge was made from a location that has been permanently closed. It doesnt add up. They reopen my case like four more times, and until now Im still trying to get my money back that was taken out of my account. It is very frustrating and exhausting. I have banked with Wells Fargo for more then 10 years and I dont feel like they have represented me or made any justice on my claim or have given me a fair chance on my case.

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 2025-04-21 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: PR

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — FHA 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: PA

Complaint narrative:
XX/XX/XXXX I contacted PennyMac after my XXXX missed mortgage payment to once again ask for assistance. I have been asking them for XXXX years to work with me on adjusting the mortgage due to decrease in income, hours, and XXXX since obtaining the loan in XXXX. They best I got was XXXX months of XXXX XXXX taking my {$1300.00} mortgage down to {$1000.00} with having to pay my missed payments back at the end and monthly check ins with a loan advisor. XXXX XXXX did NOT give an extension or email to directly contact her, just the main line. No one can ever locate that name upon my calls. Ive even called every day FOR A MONTH. XX/XX/XXXX begins my schedule mortgage payments that I again can not afford because thats a paycheck and a half. And they keep dropping my credit score. How are they helping FHA homeowners?!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> at XXXX and XXXXXXXX XXXX XXXX seperate ATM transactions were made on my CHIME checking account for a total withdrawal amount equaling {$500.00}. I reported this with the store which the ATM machine is within and to the owner of the ATM machine, XXXX XXXX. The Atm machine owners directed me to dispute charges through Chime bank and they will repay the due amount to my account. I disputed the transactions and provided Chime with all correspondence with XXXX XXXX and all files reports pertaining to the unauthorized charges on my account. After disputing the charges, I get an email from CHIME XXXX ( XXXX ) days later saying no errors were made and my disputes were denied. I was given no choice to appeal this decision or to know what evidence led them to believe no error occurred when theres overwhelming evidence this transaction was not made by me. Furthermore, all ATM machines have cameras so it is not difficult to see I did not make these transactions or was not present when they were made. I am now out of my money I entrusted with my bank whom Ive never had any disputes filed with in the past and Im not even given any reasons why they believe its reasonable to deny my dispute other then their investigation shows no error occurred I thought there was a law to protect individuals from fraud and/or unauthorized charges made to their account. Furthermore, when making the dispute by phone the customer service kept calling me maam after I told them I was a male and kept asking me personal questions not related to the dispute process making comments to the affect that she doesnt see how this could have happened. They did not cancel my debit cards until I got the email with the denial, all the sudden with no notice, my cards are all canceled! If no error occurred why cancel all my cards suddenly? Just all around a very unprofessional experience with chime banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC XXXX ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( XXXX ) : I assert that the reporting practices violate the XXXX, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. CXXXXe XXXX and 15 U.S. CXXXXe XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( XXXX XXXX. XXXX and XXXX ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX, XXXX requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief