vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: CA

Complaint narrative:
I was on a joint account with another owner. When I open the account I asked the banker if both of us have the same rights to deposit and withdraw money from the account and I was told yes. Recently I wrote myself a check and the bank it was issued from rejected my check. They called the other account holder to ask if the check is valid however they never asked me if it was. So I went into the branch to withdraw money and they wouldnt give it to me unless the joint owner was as there. I never singed up for an account with dual authority on the account and I never signed anything. The joint owner of the account has a lot of month with this bank its giving me the impression they are only siding with her because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

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

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX 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 XXXX XXXX accurate.

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo allowed about {$15000.00} and more in major damages millions of dollars worth of fraud on my account by a criminal scammer and fraud company coinbase.com. I have never done business with coinbase.com and I have never authorized any transactions to coinbase.com as that is impossible as they are a fake company. Wells Fargo conspired in their fraud by not immediately refunding me about {$15000.00} in deposits and causing millions in major financial damage from their fraud, all of them from coinbase.com. Wells Fargo showed a criminal and doubting persona not immediately refunding upon my XXXX and truthful request. Therefore they conspired in financial fraud, obviously again, XXXX, XXXX and Wells Fargo have all been found liable in lawsuits before for stuff exactly like this even under the same statutes of financial fraud, conspiracy, and grand theft. XXXX is advertised by banks as a dark figure in a hood hacking computers and accounts in a threatening and criminal manner. Obviously XXXX is criminal towards citizens.

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 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
I was paying more then told or expected when my loan was over with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with XXXXExperian/Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-02-06 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:
FCRA 604 ( 15 US code 1681b, FCRA 611 ( 15 US code 1681i ) FCRA 609 ( 15 US code 1681g ) i an writing to formally dispute and request the immediately removal of the following unauthorized fraudulent outdated inaccurate incomple accounts from my EXPERIAN credit report :, XXXX XXXX XXXX XXXX, XXXX ( {$20000.00} ),, XXXX XXXX XXXXXXXX XXXX XXXX. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX XXXX your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed

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 2025-02-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Regardless of all my submissions, XXXX will respond in less than 48 hours stating the account is accurate, or has been updated without providing any evidence that the account was investigated. This violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also violate the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceedings ( XXXX XXXX XXXXXXXX ), against them in similar violations. I request that the CFPB ensures that XXXX complies with the Federal Law, and provide proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX north XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my credit report. I recently obtained a copy of my credit report and found an error regarding an account that I believe to be inaccurate, incomplete, or unverified.

The account details are as follows : Creditor/Collection Agency Name : [ Name of Collection Agency ] Account Number : [ Account Number ] Date Opened : [ Date on Credit Report ] Balance : [ Balance Listed ] According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. I request that you investigate this account and provide me with documentation proving its validity. If the account can not be verified, I request that it be removed from my credit report immediately. 

To support my claim, I have attached copies of [ mention any supporting documents, such as credit reports, correspondence with the collection agency, proof of payment, or identity documents ]. 

Please conduct a thorough investigation and update my credit file accordingly. Kindly provide me with a written response regarding the results of your investigation within the timeframe allowed by law ( 30 days ). 

Experian Experian XXXX Department po box XXXX XXXX, TX XXXX Equifax Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion TransUnion Consumer XXXX XXXX XXXX 2000 XXXX, PA 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX north XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my credit report. I recently obtained a copy of my credit report and found an error regarding an account that I believe to be inaccurate, incomplete, or unverified.

The account details are as follows : Creditor/Collection Agency Name : [ Name of Collection Agency ] Account Number : [ Account Number ] Date Opened : [ Date on Credit Report ] Balance : [ Balance Listed ] According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. I request that you investigate this account and provide me with documentation proving its validity. If the account can not be verified, I request that it be removed from my credit report immediately. 

To support my claim, I have attached copies of [ mention any supporting documents, such as credit reports, correspondence with the collection agency, proof of payment, or identity documents ]. 

Please conduct a thorough investigation and update my credit file accordingly. Kindly provide me with a written response regarding the results of your investigation within the timeframe allowed by law ( 30 days ). 

Experian Experian XXXX Department po box XXXX XXXX, TX XXXX Equifax Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion TransUnion Consumer XXXX XXXX XXXX 2000 XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Company : CHASE and XXXX Issue : They can not help me with refund request due to a merchant 's unethical and scammy business practice I called Chase about a situation i have with XXXX and one their merchant in their XXXX play site. 

The situation was - I found out that the application i downloaded and made in-app purchases implements unfair practice in their game that results to a huge disadvantage to its paying customers. 

XXXX said that they can not help me with the refund. I should reach out to the developer of the app for any refund request. 

I reached out to the application developer several times but they are not responding to me. 

According to their contact information shown in the XXXX play site their email is XXXX and their address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This doesn't seem to be a US company. 

I called Chase to ask for their help with my refund. 

They said that my purchases in the app is something they can not dispute and that i should reach out to the application developer for refund request. 

I am now stuck and no one can help me refund a total of XXXX USD worth of purchases from XXXX Pay with a description XXXX * Legend Survival Clash. 

Chase said they do not have the dispute right. 

This made me realize that i am not protected, as a user of their credit card, to scam and unfair practices of this application developer. 

I am attaching all the email i sent to the developer and XXXX. 

I do not have a recording of the call with chase - but i am planning on sending them a letter for my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. 
FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following account to be removed immediately from my report : XXXX and associates Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

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 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that XXXX XXXX XXXX is reporting damaging information to my name.

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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XX/XX/year> contacted ( XXXX ) XXXX informed them of the negative impact of that account on my credit report they couldnt locate account I explained they had 30 days after I disputed to contact and they declined and I needed the account removed from all credit bureaus they put me on hold after several attempts to locate account and then finally just hung up on me after no success

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am reporting a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. There are incorrect late marks being reported on my credit history that are inaccurate. 

1. XXXX XXXX XXXX - reporting 1 late mark from XX/XX/XXXX. This late mark is inaccurate. All payments are made on time. 

2. XXXX XXXX XXXX - reporting late marks in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. Also reporting late marks in XXXX and XX/XX/XXXX. 

This is incorrect information. I have never made a late payment to these auto loans. I have contacted both credit lenders and they are refusing to help me. This is hurting my credit report and preventing me from applying for any loans. This information is inaccurate.

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 2025-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Due to unforeseen circumstances and financial hardships, I feel behind on my obligation with attached debt. The referenced account was charged off and should qualify as cancellation of debt, which requires the creditor to issue me a 1099C for tax reporting purposes.

I've made attempts to contact the creditor to obtain my 1099C form for tax filing purposes and it has not been received, nor has there be any response to my notification. I request that this debt be removed from my credit report, as it shouldn't show a balance considering the creditor as received a tax write off due to charged off status.

Company response to consumer: Closed with explanation