vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
This letter serves as a formal demand for the immediate removal of multiple inaccurate, and unverifiable accounts and inquiries currently being reported on my credit file. Under XXXX XXXX Code XXXX of the Fair Credit Reporting Act ( FCRA ), your bureaus are legally obligated to report only 100 % accurate and verifiable information. If you can not fully verify these accounts with original, unaltered documentation from the creditors, then they must be deleted immediately per XXXX XXXX compliance standards

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX {$510.00} XXXX XXXX XXXX XXXX {$600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX took place by me was I have no knowledge of this account going to this collection agency, so I disputed on my credit report stating that these accounts are not mine and they are inaccurate and unverified and need to be removed because it's affecting my ability to get credit and that using credit as a consumer it's my right under FCRA law sec 609

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Westlake Services, LLC
State: FL

Complaint narrative:
I have fraudulent inquiries on my credit report that I demand to be removed immediately. I have already filed a report with XXXX, report number XXXX and FTC complaint also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I opened a Chase business checking account with JP Morgan Chase XXXX XXXX on XX/XX/year>. I maintained more than {$20000.00} in the account for over XXXX  days and completed XXXX XXXX transactions as required. Chase refuses to pay based on their arbitrary refusal to recognize the XXXX transactions as valid XXXX credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Dear XXXXCFPB, I am filing this formal complaint against JPMorgan Chase Bank XXXX XXXX  ID : XXXX | CFPB Company ID : XXXX ) for their failure to process a simple phone number update, constant bureaucratic delays, and unprofessional customer service, including agents hanging up on calls instead of resolving the issue. 

Summary of the Issue : XXXX. Request Ignored : I submitted a request to replace my primary phone number with my previously verified backup number ( which Chase already has on file ). 

XXXX. No Action, Just Excuses : Instead of processing the request, Chase representatives repeatedly claim the issue requires " internal meetings '' or " further verification, '' despite the backup number already being authenticated. 

XXXX. Call Avoidance & Disrespect : Agents either transfer me endlessly, promise callbacks that never happen, or hang up abruptlywasting my time and violating basic customer service standards. 

Impact : Security Risk : If Chase can not update a simple contact detail, how can I trust them with my financial security? 

Poor Accountability : No escalation path, no resolution, just endless runarounds. 

Wasted Time : Multiple calls, no progressthis is unacceptable for a major bank. 

Demands : Immediate update of my primary phone number to my verified backup number. 

A written explanation for the delays and unprofessional behavior. 

Confirmation of corrective action taken against agents who hung up or refused to assist. 

Next Steps if Unresolved : If Chase does not resolve this within XXXX business days, I will : Escalate to the Office of the Comptroller of the Currency ( OCC ). 

Explore legal action for negligence and violation of banking service standards. 

Attached Evidence : [ List any call logs, emails, or screenshots if available. ] Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had one late payments on an account that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention

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 2025-04-08 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
On XX/XX/2024 I purchased a ring from XXXX XXXX in XXXX at the XXXX XXXX location, I was initially told and given clarification that I was only paying XXXX $ I have made purchases through XXXX in the passed and I have never ran into any issues, I signed the key pad to pay the clerk which was a female never gave me a receipt, I trusted her. She did appear very nervous, I then received an email with the exact amount which was over {$4800.00}! I rapidly called XXXX XXXX XXXX XXXX I spoke to the manager he told me to go in and switch the ring out or to return the ring. I returned the very next day and returned the ring, the same clerk told me she would take care of it and refund the account along with update my credit line. I am now XXXX  months in and they have not resolved the issue my credit has decreased immensely and they do not return my phone calls. I desperately need help resolving this my credit has suffered. here is the creditors number XXXX XXXX XXXX number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-08 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: GA

Complaint narrative:
I do not reconize these items on my credit report. A medical Debt XXXX XXXX, XXXX XXXX and 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 2025-04-08 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: CT

Complaint narrative:
I ordered XXXX bikes using my chime card and they never came to me and i explained that to chime and they wont give me my money back because the purchase was legit but i never received my product. I called usps, XXXX and XXXX  and they all said they never received the product from the company. on XX/XX/2024 the purchase was XXXX. Chime opened an investigation and did nothing to help me get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I have been trying to get Experian and Equifax to remove a medical debt from my credit report because per your new regulations they are no longer supposed to be on there and they refuse to remove it. I did a dispute on XX/XX/XXXX and XX/XX/XXXX and I did call them and got nowhere with the call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 
XXXX. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
XXXX. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 
XXXX. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 
XXXX. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
My mortgage servicer Carrington has been charging me for XXXX homeowners insurance policies via my escrow account for over a year. XXXX of these policies is legitimate and has been active for over XXXX years. The other, however, is in a different individual 's name, on a different property in a different state, and was never authorized by me. 

Despite this, I have been charged hundreds of dollars each month for both policies, resulting in thousands of dollars in overcharges. This appears to be a serious escrow management error and possibly a RESPA violation. 

I am requesting full reimbursement, a corrected escrow balance, and an investigation into how this was allowed to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
Experian is reporting accounts and inquiries that were opened without my consent and are part of a confirmed identity theft case : XXXX XXXX XXXX mortgage account, opened on XX/XX/XXXX, reported with a {$27000.00} past due amount and a foreclosure status. 
A XXXX XXXX  ending in XXXX, opened on XX/XX/XXXX, charged off with a balance of {$5400.00}. 
Another XXXX XXXX ending in XXXX, opened on XX/XX/XXXX, charged off with a balance of {$2400.00}. 

XXXX unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX All of these items are listed in my FTC Identity Theft Report and were not authorized by me.

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 2025-04-08 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I have a vehicle loan with XXXX XXXX, which was charged off after the repossession of the vehicle on XX/XX/XXXX. The account was marked as a charge-off on my credit report, and I believe that XXXX XXXX has reported inaccurate or incomplete information. 

I sent a XXXX XXXX + FCRA letter to XXXX XXXX on XX/XX/XXXX, requesting validation of the debt and supporting documentation, including proof of the repossession notice and post-sale deficiency notice, as required under XXXX Section XXXX and XXXX. I also requested a full accounting of the loan, details of the repossession sale, and documentation to show the account has been reported in compliance with XXXX XXXX guidelines. 

To date, I have not received any response or documentation from XXXX XXXX  that validates the debt or corrects the inaccurate reporting on my credit report. 

I am requesting that XXXX XXXX  provide the requested information and correct any inaccuracies regarding the charge-off and repossession status on my credit report. If XXXX XXXX  is unable to provide the required documentation, I request the immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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