vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Equifax on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I sent somebody {$160.00} through XXXX to buy a XXXX. They said they never received this payment even though it processed. They then said that they needed my Bank account login, Debit card information, XXXX login, and address to start a refund. When I gave them this information they then made multiple payments on my account through XXXX and XXXX. I did not dispute them until now because he said that is what XXXX support told him to do. He used the address I gave him to mimic my IP Address with a VPN. He also used something to mimic my device and I'm not sure what it was. He did this so when he made payments he would not trigger any fraud alerts. There were multiple payments he made, but the ones that went through were {$93.00} on XXXX, {$220.00} on XXXX made on XX/XX/year>, {$270.00} on XXXX made on XX/XX/XXXX, {$90.00} on XXXX made on XX/XX/XXXX, {$110.00} on XXXX made on XX/XX/XXXX, {$70.00} on XXXX made on XX/XX/XXXX, {$30.00} on XXXX made on XX/XX/XXXX, {$5.00} on XXXX made on XX/XX/XXXX, and {$250.00} dollars on XXXX made on XX/XX/XXXX. There were XXXX transactions he made where he forgot to use his VPN and they both triggered fraud alerts. The XXXX transactions were the {$250.00} on XXXX, and a denied {$280.00} payment on XXXX on XX/XX/XXXX. They locked my account and had me get a new debit card. This proves that he had access to my account to make transactions without my authorization. I did not know that these classified as fraud when submitting my initial claims to Chase so I filed some incorrectly. I have filed an XXXX complaint already. I have attached the screenshots of me giving him my Bank account login, XXXX account login, Debit Card information, Address ; The Bank account login from a different device, The failed {$280.00} XXXX payment and The XXXX Complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX has charged me a {$5.00} maintenance fee on a credit thst I first did not open. I kept the card although I never opened the account. Apparently the added this charge to the account back in 2007 after my fiance didn't opt out. I have repeatedly asked them to remove the charge but they will not. The claim it was apart of the agreement which I know nothing about because I didn't open the account. Even if you psy the balance off in full you still get the maintenance charge fee life which can damage your credit. They also keep charging inflated interest rates and cash advance interest for {$250.00} I withdrew off my card XXXX yrs ago. The refuses to reduce interest claiming I trest rates have gone up and they refuse ti remove the maintenance fee. Thy will not allow me to transfer the balance to a new card to avo8d the {$5.00} fee claiming my account is not eligible for a balance transfer, a interest fee waiver in the last XXXX yrs that I had the card. Thry are ripping me off thousand of dolars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MD

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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
A company I never did business with marked me as 30 days late

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 2025-02-28 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: NJ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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 am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 2025-02-28 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So im a XXXX mobile detailer, and I gota text asking me if I could polish and ceramic coat XXXX of this guy 's cars. He sent me XXXX {$1000.00} checks before any work was done, so I was confused by that, but he started telling me to deposit them, so I did just that. I then found out he's another scammer trying to do check fraud because he was making me pay his drivers. So I blocked the guy and called Bank of America to tell them I deposited XXXX fake checks. they said, " oh, they'll just bounce, so make sure to not spend any of it '' and they said my account would be fine. Then today I tried signing into my account, and I couldn't, so I called, and they said they finalized the decision to shut down my account. I called and told them how was I supposed to know they were fake and I got a nasty tone saying " we'll you're the one who deposited them ''

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 2025-02-28 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, consumers have the right to request the immediate blocking or removal of fraudulent accounts resulting from identity theft. The accounts Com/Ulta ( XXXX ) and XXXX XXXX ( XXXX ) were opened without authorization due to a data breach, violating my rights under this law. Additionally, per FCRA 605B, credit reporting agencies must remove fraudulent information within XXXX ( XXXX ) business days of receiving proper documentation, including an FTC Identity Theft Report and proof of identity. Failure to comply may result in regulatory action by the Consumer Financial Protection Bureau ( CFPB ) and potential legal consequences.

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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OH

Complaint narrative:
I opened the Smartly Checking account with a special bonus offer of {$450.00} with some direct deposit. As I remember, it was total {$8000.00} direct deposit within 90 days to get {$450.00} bonus. So I fulfilled all requirement but have not received any bonus over a couple months after completing all requirement. 

I contacted US Bank two times and they agreed with me and filed the case. However, I have not received any report. 

I hope this case is resolved as soon as possible. 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 2025-02-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information reported. The following accounts contain errors and must be corrected or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Balance : Reported as {$5500.00} and {$5500.00} across different bureaus. 
Incorrect Date Opened : Reported as XX/XX/year> and XX/XX/year>. 
Payment Status Discrepancy : Listed as " Collection/Chargeoff '' with inconsistent reporting dates. 
FCRA Violation : Failure to ensure the accuracy of reporting, violating 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Incorrect Balance : Reported as {$350.00} without verification of debt ownership. 
Status Discrepancy : Marked as " Collection/Chargeoff '' despite prior dispute resolution. 
FCRA Violation : Failure to properly investigate under 15 U.S.C. 1681i ( a ). 
XXXX. Multiple Hard Inquiries ( Unverified and Unauthorized ) Companies : 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 
Violation : Unverified inquiries are harming my creditworthiness, violating 15 U.S.C. 1681b.

Under 15 U.S.C. 1681g, I am also requesting : 1. The original assignment contract for all alleged debts.

2. The forward flow agreement that legally authorizes the debt transfer.

3. All documents verifying the accuracy and ownership of these accounts.

4. Deletion of all inaccurate, unverifiable, and outdated information.

Furthermore, under the FCRA, I am entitled to {$1000.00} per violation if my rights continue to be violated. If these errors are not corrected within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action if necessary. 
Please investigate these matters immediately and provide written confirmation of the corrections. I expect a response within the legally mandated XXXX period. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXXSocial Security Number : [ REDACTED ] Case Number : XXXX Identity Theft Report Numbers : XXXX and XXXX Subject : Formal Complaint Regarding Identity Theft, Labor Trafficking, and Credit Reporting Violations To Whom It May Concern at the CFPB, I am submitting this formal complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report and failing to update my personal information as required by federal law. 

I. Explanation of the Situation Victim of Identity Theft : I have been a victim of identity theft, with multiple fraudulent accounts opened in my name. Additionally, my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle, further exacerbating my vulnerability to fraud. These unauthorized accounts and inquiries have negatively impacted my financial standing and credit score. 

Victim of Labor Trafficking : From XX/XX/XXXX to XX/XX/XXXX, I was a victim of labor trafficking, during which I was forced to work without pay and had no control over my financial affairs. Due to this exploitation, fraudulent accounts and inaccurate items were added to my credit report without my consent. 

Data Breach Impact & Failure to Protect My Information : I was also affected by an XXXX XXXX XXXX data breach, which compromised my personal data. Despite multiple requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, increasing my risk of further fraud. Additionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, violating my consumer rights under federal law. 

II. Violations of Federal Law The credit reporting agencies and data furnishers have violated the following federal statutes : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification for disputed accounts.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in 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 explanation
Consumer complaint received 2025-02-28 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 have sent a number of disputes pertaining to fradulent and unauthorized accounts on my credit report. i sent out disputes on XX/XX/XXXX and XX/XX/XXXX without any correction to the fraudulent/inquiries accounts. The fraudlent accounts that I am referencing consist of the following XXXX XXXX XXXX XXXX, balance XXXX The fraudulent inquiries that I am referencing consist of the following 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 2025-02-28 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: GA

Complaint narrative:
Dear XXXX, I am writing to dispute the XXXX tradeline account associated with my name and Social Security number. This account was opened without my knowledge or consent, and I believe it is a result of identity theft. 

On XX/XX/year> discovered the unauthorized XXXX account while reviewing my credit report. I have never applied for or used XXXX 's services, and I did not authorize anyone to open an account in my name. 

I request that you immediately remove the XXXX tradeline account from my credit report and take steps to protect my personal information from future unauthorized access. I would appreciate it if you could also provide me with a confirmation in writing once the account has been removed. 

I have contacted this company multiple times to advised them my inform was published to this bureau without my consent & fraud but their not doing anything to resolve my issue and asking that I speak with you guys. No one is doing their due diligence and prolly send my proof that this is my account and removing this information. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation