vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$990.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, Equifax Information Services , LLC, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX and Inquiries. This has cause me great anxiety, stress, and financial hardship.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
account is close, supposed do to fraud. They keep reporting a balance. According to FCRA 15 USC 1681 ( a ) ( 1 ) and 15 USC 1692 ( g ) they not supposed to be

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
I did not authorized this creditor to use my information or my signature and I want this permanently removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
While checking my credit profile I saw I had some inquiries that didn't belong to 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account listed on my credit report by LVNV Funding, LLC. The account details are as follows : Creditor Name : LVNV Funding, LLC Account Number : [ XXXX ] BALANCE- {$330.00}, [ XXXX ] BALANCE- {$580.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that LVNV Funding, LLC provide validation of this debt, including : Verification of the Debt : Details on the amount owed, the name of the original creditor, and an itemized breakdown of how the debt was calculated. Proof of Ownership : Documentation showing that LVNV Funding, LLC has the legal right to collect this debt, including the original agreement with the creditor. Notification : A copy of the notice sent to me within five days of the initial communication from LVNV Funding, LLC, as required by 12 CFR 1006.34. I request proof that this notice was delivered to me with my signature confirming receipt. This proof would demonstrate that I was made aware of the debt and given an opportunity to dispute it. Under 12 CFR 1006.34 and 15 U.S.C. 1681s-2, LVNV Funding, LLC is obligated to provide this notice and validate the debt before continuing collection efforts or reporting the debt to credit bureaus. If LVNV Funding, LLC can not provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

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 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
GREETINGS, I APPRECIATE YOUR ATTENTION TO THIS MATTER. MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS. I HAVE BEEN NOTIFIED THAT I AM A VICTIM OF THE EQUIFAX DATA BREACH, WHICH HAS RESULTED IN A THEFT OF MY IDENTITY. I AM SEEKING GUIDANCE, PLEASE, I SEE THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA, SECTION 605B 15 USC 1681, SECTION 2 AS AN INDIVIDUAL IMPACTED BY IDENTITY THAT I AM ENTITLED TO REQUEST A REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY REPORT. THANK YOU THIS REGULATION MANDATES THE CREDIT, REPORTING AGENCIES SWIFTLY REMOVE ANY DATA THAT STEMS FROM IDENTITY THEFT UPON RECEIVING THE NECESSARY NOTIFICATION timely insure the deletion occurs within four days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau, Subject : Complaint Regarding Fraudulent Reporting of Items Related to Identity Theft Account # XXXX I am writing to formally file a complaint regarding fraudulent items reported on my c

redit file that are directly linked to a data breach in which my personal information was compromised. As a result of this breach, I have been a victim of identity theft, and the items listed by KINUM INCare not only inaccurate but also violate consumer protection laws related to the fair and accurate reporting of credit information. Details of the Complaint My personal information, including my Social Security number and other sensitive data, was exposed in a data breach. Since the breach, I have discovered unauthorized accounts or transactions reported by KINUM INC, which I did not initiate or authorize. Despite disputing these items with the company and providing proof that they stem from identity theft, they have failed to adequately investigate and remove these items. This companys actions break provisions of the Fair Credit Reporting Act ( FCRA ), particularly : The duty to investigate disputed items thoroughly. The obligation to ensure the accuracy of items reported to credit bureaus. Impact on Me These false reports have negatively impacted my credit score and caused financial and emotional distress. I have taken every step within my power to rectify the situation, including : Filing an identity theft report with the Federal Trade Commission ( FTC ). Placing fraud alerts on my credit file with all major credit bureaus. Contacting the reporting company directly to dispute these items. Despite these efforts, the company has failed to comply with its legal obligations, leaving these fraudulent items unresolved. Requested Next Steps I am requesting the Consumer Financial Protection Bureau to take the following actions : Investigate the actions of KINUM INC regarding their failure to address fraudulent items stemming from identity theft. Require the company to remove all inaccurate or unauthorized items from my credit file immediately. Impose any applicable penalties on the company for failing to comply with FCRA regulations. Ensure the company implements stronger measures to prevent such negligence in the future. Supporting Documentation Enclosed with this letter are the following documents to support my complaint : A copy of my FTC Identity Theft Report. Thank you for your attention to this matter. I trust that the CFPB will act promptly to resolve this issue and hold the company accountable for its failure to comply with federal regulations. Please do not hesitate to contact me a
t XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been a customer of Chase Bank for over 20 years. I have a XXXX XXXX XXXX with Chase. I had a credit limit of XXXX XXXX dollars for many years. I have until recently paid my total balance due every month. I have never been late and have always been a faithful and good customer.

Recently I purchased a home in XXXX and have been using some of my available credit with other credit cards to purchase things for my new home.

Chase has punished me for this activity by reducing my credit limit on my chase XXXX XXXX XXXX to XXXX dollars. I am insulted since I have always paid my bills on time and my income is stable. I have good credit and do not understand this treatment of a good paying customer. I have talked to XXXX at the XXXX number and spoke to XXXX at the executive office only to be told there is nothing that can be done. I asked for the email to the CEO XXXX XXXX, and was told I can not contact them. I am so frustrated and need some kind of help... .Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

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

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 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

I want you to send me a detailed list of the history of payments made my me on this account. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. I would like to see if there is any insurance claim found on this debt. I want proof of the chain of title to collect on this debt.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was out in and out of work from XX/XX/year> where I fell behind due to my mother 's illness.She passed in XXXX XXXX have brought account current asked for help with payment plans or lower interest.they refuse want to speak only to a counseling service they have a relationship with.I have done all the work myself with all my other cards .I can not understand ..I made account current they closed my account and still refuse to work with me unless I go through their credit counseling..this seems so wrong.

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 2025-01-29 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: Client Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CLIENT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report ( FCRA Section 1681 ) Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate. Under Section 1681 of the Fair Credit Reporting Act ( FCRA ), I have the right to request a reinvestigation of any information that I believe is incorrect, and I am exercising that right by submitting this dispute. 

Details of the Disputed Information : Item being disputed : Account Number ending in XXXX Reason for dispute : The account shows charged off as of XX/XX/year>. 
I request that you investigate this matter under the provisions of the FCRA and notify me of the results within 30 days, as required by law. Please remove any inaccurate information from my credit report as applicable. 

Thank you for your prompt attention to this matter. If you require additional information, please feel free to contact me at the above phone number or email address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Subject : Urgent Complaint Against Chase Bank for Wrongful Withholding of Funds To Whom It May Concern, I am filing this complaint against Chase Bank for wrongfully withholding {$4500.00} that belongs to my girlfriend and me. Their unjustified actions have put us at risk of homelessness, caused severe emotional distress, and created financial hardship. I demand immediate intervention to resolve this matter.

Case Details : I opened a Chase account online in my name.

My girlfriend, whose check it was, and I live together and deposited her {$4500.00} XXXX-issued check into my account via mobile deposit. 

Chase froze my account and refused to release the funds, citing the need to verify my girlfriends phone number. 

We went to a Chase branch in person and were told that her phone number must be linked to a major carrier. 

We first purchased a XXXX XXXX XXXX plan, but Chase refused to accept it. 

We then purchased a XXXX plan to comply with their demands. 

Now, Chase is saying we must wait an entire billing cycle for verification. 

They also informed us that my account will be permanently closed in two days, and if verification is not completed, the check will be held for two years.

My girlfriend only has a XXXX ID and no passport due to her difficult upbringing and struggles, which has made it even harder for her to open an account in her name. 

Harm Caused : Chases actions have put us in serious financial distress, as I have been unable to find a job and we are surviving on my girlfriends checks and help from family. 

I have spent over {$100.00} on phone plans trying to meet Chases arbitrary and unreasonable demands. 

We are facing potential homelessness due to Chase 's refusal to release our funds. 

Chases unreasonable delays and verification process constitute unfair banking practices and a violation of consumer rights.

Requested Resolution : Immediate release of the {$4500.00} that Chase is unlawfully holding.

Written explanation from Chase regarding their handling of this matter. 

Compensation for financial damages and emotional distress caused by their actions. 

Agencies Filed With : I am submitting this complaint to the following agencies for immediate review and action : Consumer Financial Protection Bureau ( CFPB ) Office of the Comptroller of the Currency ( OCC ) Indiana Attorney Generals Office Chases actions have severely impacted our lives, and I request urgent intervention to hold them accountable. Please investigate this matter and ensure that Chase Bank complies with fair banking practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
GREETINGS, I APPRECIATE YOUR ATTENTION TO THIS MATTER. MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS. I HAVE BEEN NOTIFIED THAT I AM A VICTIM OF THE XXXX DATA BREACH, WHICH HAS RESULTED IN A THEFT OF MY IDENTITY. I AM SEEKING GUIDANCE, PLEASE, I SEE THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA, SECTION 605B 15 USC 1681, SECTION 2 AS AN INDIVIDUAL IMPACTED BY IDENTITY THAT I AM ENTITLED TO REQUEST A REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY REPORT. THANK YOU THIS REGULATION MANDATES THE CREDIT, REPORTING AGENCIES SWIFTLY REMOVE ANY DATA THAT STEMS FROM IDENTITY THEFT UPON RECEIVING THE NECESSARY NOTIFICATION timely insure the deletion occurs within four days.

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 2025-01-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief