vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXXB of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I filed complaint on another site so not sure which is correct one? I purchased a XXXX XXXX XXXX and borrowed most of purchase price from XXXX XXXXChase Bank  XXXX XXXX filed bankruptcy and is no longer involved. The vehicle was knowingly by XXXX and Chase delivered missing many features that were advertised to sell vehicles. They also delivered vehicles with known software issues and parts that broke on most vehicles as well as 12v battery that knowingly was not sufficient to the functionality of the vehicle. Chase has admitted liability based on Holder Rule. However they failed to make settlement offers to many of the consumers that were lower than the promised amount. Based on different trim levels of the vehicles the consumers who paid the most and took delivery within 3 or 4 months of each other received less than those who paid and borrowed less in most cases. Holder Rule says bank that knowingly finances a vehicle missing many features and having parts that do not function properly are liable for the loan amount. Chase promised to make offer based on purchase price minus usage. Since vehicles were delivered in such a small window there is little time for difference in usage opportunities. My miles driven are under XXXX miles yet people who paid less, borrowed less and drove more miles than I received a settlement offers much larger than me. Chase will not respond to attorneys representing consumers to explain how they calculated the offer amounts and why the calculations are different than they promised. The difference appears to be based on the different trim levels. The launch edition ( XXXX XXXX XXXX ) was more expensive than the other trim levels unless many add one were requested. The XXXX XXXX XXXX is very similar in specifications to The XXXX XXXX XXXX but average offers are around {$10000.00} higher. The lowest trim level sold was The XXXX XXXX XXXX and was the lowest priced model but received approximately {$7500.00} higher settlement offers. None of this has any rational explanation and the very large bank ( Chase Bank ) will not offer explanation and seemingly want consumers to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Chime Financial Inc
State: OH

Complaint narrative:
XXXX credit bureau and Chime Financial. 

I contacted Chime Financial and informed them that I did not open an account with them. They informed me that the account was closed but I would have to contact the XXXX to have the account removed from my credit report. 

I contacted XXXX and filed a dispute to remove the fraudulent account. I shared I did not open a Chime account and someone used my name/information. I asked that the account information be removed from my credit report. XXXX declined and stated the account is accurate. This is WRONG. I have never opened a Chime account nor have a need for Chime services. I am XXXX XXXX  and do not receive a paycheck, therefore, no need for advance money. 

In addition, it listed an old address from XXXX  as a current address for the account, again fraudulent. 

XXXX 's finding are NOT accurate and the company is misleading and also listing fraudulent information on my credit report. I am reporting XXXX and would like the inaccurate information removed and XXXX disputed or reprimanded for providing false consumer information. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$680.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$6700.00} XXXX  XXXX Balance {$0.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-03-15 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: NV

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$680.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$6700.00} XXXX  XXXX Balance {$0.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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

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 2025-03-15 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX  XXXX Balance : {$350.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX  XXXX Balance : {$350.00} Date Opened : XX/XX/year>

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 2025-03-15 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX 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 explanation
Consumer complaint received 2025-03-15 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding my credit accounts, as listed on my recent credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX and XXXX XXXX XXXX ( b ), I request an immediate investigation into the following accounts, which I believe are incorrect and need to be removed from my credit report due to their negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: IA

Complaint narrative:
My vehicle was totaled, insurance paid the majority of the balance however the company has refused to update my balance information on my credit report, however they continue to update my report with late fees.

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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 

Under XXXX XXXX. XXXX ( b ), I request that you provide the following documentation to validate this debt : XXXX. A copy of the original assignment contract or purchase agreement between you and the original creditor, which establishes your legal right to collect this debt. 
XXXX. The exact amount you paid to purchase or acquire this alleged debt. 
XXXX. A complete account history, including the original creditors name, the original account number, and the itemization of the alleged debt. 

In accordance with the FDCPA, you are required to cease all collection activities until you provide the requested validation. Any further reporting of this alleged debt to credit reporting agencies or any form of collection activity without proper validation is a violation of federal law. 

Please be advised that I am keeping records of all communications regarding this matter, and failure to comply with my request will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed inaccurate late payments and unauthorized hard inquiries with [ Experian/Equifax/TransUnion ] XXXX They failed to verify or remove them within 30 days, violating FCRA 611. I request immediate correction.

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 2025-03-15 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: FL

Complaint narrative:
I disputed inaccurate late payments and unauthorized hard inquiries with [ Experian/Equifax/TransUnion ] XXXX They failed to verify or remove them within 30 days, violating FCRA 611. I request immediate correction.

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 2025-03-15 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: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I have unknown inquiry on the account u dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
A little over XXXX weeks ago on XX/XX/XXXX I reserved my deposit for my federal tax refund so that day and part of them next was spent paying some bills, buying things for my house and a few other things, on XX/XX/XXXX I received an email from venmo stating my account has been suspended due to suspicious activity that may go against the user agreement and that I need to verify my identity so I did just that by going to the app and doing just that. Then I waited for the results for then to just tell me email me on XX/XX/XXXX that my account is permanently closed. I have reached out several times through calls and emails and am met with the same response and now they are just ignoring me all together. We were supposed to help pay for our friends funeral expenses who passed away due to suicide that weekend that all this took place. I've read the user agreement probably XXXX times to figure out how I broke the user agreement because no one from venmo will tell me and I can't figure out what I did. I've made the same transactions multiple times through out the last few years without a problem. I am now trying to figure out how to get my money so I can pay my rent and car insurance because I am currently facing the possibility of losing my home and car insurance all while I have to little ones! I've approached this as calmly as possible so many times and I can't do it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding my credit accounts, as listed on my recent credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX and XXXX XXXX XXXX ( b ), I request an immediate investigation into the following accounts, which I believe are incorrect and need to be removed from my credit report due to their negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Westlake Services, LLC
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding my credit accounts, as listed on my recent credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX and XXXX XXXX XXXX ( b ), I request an immediate investigation into the following accounts, which I believe are incorrect and need to be removed from my credit report due to their negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: MD

Complaint narrative:
BMG Money is reporting old information as new. They are taking old information from XXXX and reporting as new. I called BMG and spoke with a representative by the name of XXXX who said that they did an audit in XX/XX/XXXX and found that I had missed payments back in XXXX and XXXX that I was nearly $ XXXX behind but making payments on time. I have my account set up on auto pay and {$170.00} every paycheck. Its currently showing that Im behind as of XXXX and that I am more than 60 days past due but I am not I have been making payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$27000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation