vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have disputed the amount owed on our mortgage for years now with no help. I have researched it to no end and realized that they are holding me responsible for a mortgage that is not mine. The mortgage information is for an ARM and for a home equity line of credit that i do not have. It is for my neighbors house. I want the original closing documents from when we purchased the home on XX/XX/XXXX with an actual payment history and why they started applying escrow in XXXX on the mortgage but i always paid for the property taxes myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian denied my dispute to remove the derogatory account from Applied Card bank. The account was closed over 10 years ago. The dispute was initiated on three separate occasions.

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 2025-02-19 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: NY

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
Harris & Harris LTD {$400.00} Account # XXXX. This collection agency is reporting inaccurate information to the credit bureaus. Ive sent a validation letter and now sending again through cfpb. I need answers on why an open account that doesnt belong to me is reported as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Cash App regarding two major issues : 1. I am unable to access my remaining balance because Cash App is preventing me from linking a new card or bank account. 
2. My Cash App account has been closed, and I would like to request that it be reconsidered and reopened so I can continue using their services. 

Issue Details : 1. My previous debit card linked to Cash App is no longer active. 
2. I attempted to add a new card to withdraw my remaining balance, but the system would not allow me to do so. 
3. I contacted Cash App Support, and they informed me that I have already linked too many cards/bank accounts, so I am restricted from adding a new one.

4. However, my previously linked cards are no longer active, meaning I have no way to withdraw my remaining balance.

5. I requested Cash App Support to provide information on which card I had previously linked so I could try using it, but they refused to assist further.

6. They also stated that their decision can not be overridden, leaving me without any way to access my own funds.

7. Additionally, Cash App closed my account, and I was not given a clear reason or an opportunity to resolve any issues before the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have fraud on my account. A charge from casetify was made 6 times for the amount of XXXX on XXXX XXXX and was posted on XX/XX/year> there were more charges that were removed because fraud picked them up. But these charges posted. They were not mine and I have gone then three times and escalated it and they state they were mine. How is it that fraud detection system counted them but the rest werent. I have filed a complaint against three times and no result. They initially gave me the XXXX but now reversed it and my account is overdrawn.

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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
I am writing to inform you that my wallet was lost or stolen and my identity XXXX have been compromised. I believe it is linked to an incident that occurred several years ago at the airport in XXXX XXXX around XX/XX/year> I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity fraud. I have taken steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 
Thank you for your attention to this matter I am willing to prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent remove in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any remove listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BALANCED {$2800.00} XXXX XXXXXXXX XXXX {$4800.00} XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXX XXXX  BALANCED {$670.00} XXXX XXXX BALANCED {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2025-02-19 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: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I noticed on my credit report that I have a collection of {$500.00} for an assumed medical bill. I disagree that this is my account and I have never been admitted for any services nor authorized for this to be reported let alone by a 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: AZ

Complaint narrative:
They won't even talk to me unless I send a picture of my social security card and birth certificate. They also claim I gave them the wrong phone number and email address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: EdFinancial Services
State: CA

Complaint narrative:
I checked my credit report and a student loan appeared on it, I have never applied for any type of loan of that sort. The company ED financial said that they were going to obtain more information on the person who applied for it and they would get back to me, its been over a month and I still havent heard anything about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
Formal Complaint Against Equifax XXXX Experian Failure to Remove Inaccurate Information Date : XXXX XXXX XXXX Complaint Against : Equifax Experian Issue Summary : I am filing a formal complaint against Equifax and Experian for their failure to address my disputes regarding inaccurate information on my credit report, despite multiple attempts to resolve these matters.

Disputed Items : 1.Unauthorized Hard Inquiries I have requested the removal of two unauthorized or erroneous hard inquiries that negatively impact my credit score.

2.Delinquency There is a delinquency on my report that is inaccurate and does not belong to me.

3.Personal Identifiers My credit report contains incorrect personal information that I have requested to be corrected or removed. 

Attempts to Resolve : I have sent three separate dispute letters to Equifax and Experian via certified mail, providing supporting documentation. Despite their legal obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccuracies within 30 days, they have failed to act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX BALANCED {$790.00} XXXX XXXX BALANCED {$1000.00} XXXX  XXXX XXXX BALANCED {$680.00} XXXX  XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX BALANCED {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MS

Complaint narrative:
Request for Investigation To XXXX, XXXX, XXXX, kickoff I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ). The charge-off account from kickoff is incorrectly reporting a balance of XXXX, which I believe should be XXXX due to charge off which becomes taxable income so the balance is supposed to reflect the new updated version after the worse action you can take with chargeoff Under 15 U.S.C. XXXX ( a ) ( XXXX ), furnishers are required to report only accurate information. Additionally, if this debt has been transferred or settled, continued reporting of a balance violates the FCRA. Which they reported the CO the months of XXXX and XXXX which reflects aggressive and unfair credit reporting intended to harm me I request an immediate investigation into this matter and a correction or removal of the inaccurate information. Please provide me with verification of the debts accuracy or delete the incorrect information per 15 U.S.C. XXXXi ( a ) ( XXXX ). 
Further they contacted me saying I contacted them and told them about distress but didn't cancel account or tell them or they would have like I would purposely let them take a almost XXXX and ruin it Sincerely, XXXX XXXX XXXX XXXX XXXX [

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Brightfunders, LLC
State: OH

Complaint narrative:
Contacted XXXX XXXX NMLS ID : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/25 by calling and texting XXXX ( XXXX ) XXXX regarding pending sale. Did not receive a response. Sent another text message on XX/XX/25. I did not receive a response. I called on XX/XX/25 and XXXX XXXXext messaged Hello I got your voicemail. I apologize I'm at a family dinner will call you tomorrow then he did not call me. I called again XX/XX/25 and XXXX text messaged Somethin is up with my phone trying to call you back stand by. I havent received any further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian

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 2025-02-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I made my monthly auto loan payment over the phone with a Wells Fargo representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX XXXX monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by Wells Fargo investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/year>, monthly payment. 
As a direct result of Wells Fargo 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on XXXX, 30days late on XXXX, and 30days by {$89.00} on XXXX. These reporting are very inaccurate and inconsistent.

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 2025-02-19 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-02-19 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: MA

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 2025-02-19 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:
On XX/XX/year>, I made my monthly auto loan payment over the phone with a XXXX XXXX representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX XXXX monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by XXXX XXXX investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/year>, monthly payment. 
As a direct result of XXXX XXXX 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on Equifax, 30days late on XXXX, and 30days by {$89.00} on XXXX. These reporting are very inaccurate and inconsistent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I made my monthly auto loan payment over the phone with a XXXX XXXX representative with specific instruction to use my overage ( over payment credit ) on my auto loan for my XXXX XXXX monthly car loan. Also, a separate arrangement was made to pay late charges that has accumulated with an over the phone ACH payment with the same representative during the conversation. 
Despite providing the representative with specific and accurate payment instruction on how payment should be disburse, the representative did not properly applied it to my account in a timely manner. 
The payment statement and record sent to me by XXXX XXXX investigating personnel omitted the overage ( over payment credit ) payment that was used to pay my XX/XX/year>, monthly payment. 
As a direct result of XXXX XXXX 's negligence in processing my monthly payment appropriately, my account was falsely marked as 60days late on XXXX, 30days late on Experian, and 30days by {$89.00} on XXXX. These reporting are very inaccurate and inconsistent.

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