vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: ProCollect, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally file a complaint regarding inaccurate and fraudulent accounts that have been reported on my credit report without my knowledge or consent. These accounts have had a significant negative impact on my credit score and overall financial well-being.

Upon discovering these inaccuracies, I promptly reached out to the relevant credit reporting agencies to dispute the fraudulent accounts.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information in my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must investigate disputed information and correct or delete any inaccuracies within 30 days. Despite this, my disputes have not been resolved, and the fraudulent accounts persist on my credit report.

Moreover, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using deceptive, unfair, or abusive practices to collect debts. The existence of these fraudulent accounts on my credit report indicates a violation of these consumer protection laws.

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 2025-01-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 
You referenced a loan balance in your letter derelict letter sent to me previously ( I suppose as your attempt to validate debt? ) when in fact the laws governing the alleged contract clearly state this as a credit sale. No loan has taken place between anyone involved in the alleged agreement. The alleged debtor is not a borrower nor have they been loaned any goods or advanced any money by the alleged creditor. Your reporting is not only deceptively misleading it is also substantially absent requisite conditional verifiability, validity ( as related to document evidence in support of physical proof of truth, correctness, and completeness of claim ), and certifiability ( to Metro 2 Format as example ). Per my state 's applicable reporting and or collection laws and per federal standards similar, no claim derelict may be retained much less reported so REMOVE FROM REPORTING this claim of repossession right now, any furtherance is assumed to be your willful disregard of requisites to report and intentional harassment or even extortion under threat of financial injury ( ies ). The claim ( s ) below noted are unlawful and require deletion today, even here and now so do so immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Total Card, Inc.
State: TX

Complaint narrative:
My account was closed without my permission for reasons undisclosed. I called multiple times but no answer or solution. They told me nothing and I dont understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
On XX/XX/year> I sent a letter asking for verification or removal of the following information XXXX XXXX XXXX XXXX, and unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: NJ

Complaint narrative:
These Accounts was charged off on XX/XX/XXXX XXXX XXXX XXXX Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Experian, XXXX, and XXXX XXXX has failed to investigate these accounts properly and their neglect has violated my rights. I am demanding a deletion on the Follow Accounts : 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 explanation
Consumer complaint received 2025-01-26 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: OK

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX XXXX /cash app has been very negligent with my account. I recently found out that during the time of my disputes that my account was being handled by XXXX  I was wondering why my account was closed me, knowing I had done nothing wrong and also I realize the moment that I did dispute my transactions in question my account was closed, and I was told that there was no more information to be givin about my account they refuse to help me verify they refuse to show me how they also refuse to help me find another way to verify my identity within a decent time. This account is currently still closed. I honestly would like my account reopened again, but at the same time after all of the trouble that I have went through with that account, I would just like all of my funds returned to me that I dispute it. During that time there were funds taken out of my account and there were transactions that were not anywhere near the city of XXXX. I actually found out that the transactions in question were not made in Michigan. I was doing everything I can to verify myself and to also get my funds back, but with me finding out that cash app is being sued for deceiving us and having bots handle our dispute in our account all of my proof will be in this file that I have taken pictures of with all the trouble Cash App has caused with that account. I was just like my funds return to me in one piecethat cash app obviously knew were not authorized. To make it worse I was never in violation until I disputed these transactions with Cash app. I sent over my social and personal information to try to verify myself. I was given the runaround from Cash Apps system. I had no help and yes till this day I still want my funds back and or returned please because I still do want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well, I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Have been trying to get credit from Wells Fargo for years. I am intentionally harassed and have plenty of evidence of their thefts, harassment, hate towards me because I am XXXX and tried to do business, totally false and discriminatory practices towards me and lies obviously. They obviously won't give freely because I am a XXXX and they are trying to place me in hardship, because they are XXXX  style false bully banks with hate towards anyone not like them, that doesn't do extreme fraud, lawlessness and crime. Like in the days of XXXX they will not listen and still try to push 40 year mortgages and high interest loans when everyone in the XXXX XXXX XXXX knows XXXX XXXX will come back before them, Church calendar says about 7 years and I am harassed for this knowledge. The truth is out there but they don't seek it, they lie and are oblivious in false beliefs. They should just be giving money freely but they don't because they practice things like usury and insane XXXX and XXXX  things and they lie.

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 2025-01-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX regarding fraudulent credit inquiries that have been added to my credit report. These inquiries were made without my knowledge or authorization, and despite my repeated attempts to dispute them directly with XXXX, these unauthorized inquiries have not been removed. 
I am a victim of identity theft and have filed an FTC Identity Theft Report to substantiate my claims. I have submitted multiple written disputes to XXXX, requesting that these inquiries be removed, but they remain on my credit report. 
Below are the fraudulent inquiries I am disputing : Unauthorized Inquiries : JPMCB Card XX/XX/year> I have contacted XXXX directly and requested the immediate removal of these inquiries. Despite this, XXXX has failed to properly investigate the matter or remove these unauthorized inquiries from my report. 
Additionally, I have already escalated this issue to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), but I am yet to receive a satisfactory resolution. 
Complaint Details : I am a victim of identity theft and have filed an FTC Identity Theft Report as supporting documentation. 
XXXX has failed to remove the unauthorized inquiries despite my written disputes. 
JPMCB Card made an inquiry without my consent on XX/XX/year>, and I demand that it be removed immediately. 
I have already escalated this issue to the FTC and CFPB, but XXXX has not addressed it adequately. 

Additional Information : Supporting Documentation : Attach your FTC Identity Theft Report and any relevant communication with XXXX regarding the disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: OR

Complaint narrative:
I am filing a compliant against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Finance Protection Act ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
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/XXXX An identity theft report has been made for removal of these hard inquiries.

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 2025-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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  An identity theft report has been made for removal of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
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  An identity theft report has been made for removal of these hard inquiries.

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 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
The CFPB on Friday announced it has sued Acima XXXX, XXXX, Acima Digital, XXXX ( subsidiaries of XX/XX/XXXX( now known as XXXX XXXX XXXX XXXX XXXX XXXX and collectively, " Acima '' ), and Acima 's founder and former CEO, XXXX XXXX for illegal lending activities in connection with as many as XXXX XXXX consumer financing agreements. 

The CFPB alleges Acima used deceptive dark patterns and other tricks to trap consumers in high-cost credit agreements to finance the purchase of household goods. Acima sought to disguise many of these credit agreements as leases to evade consumer financial protection laws. Due to Acimas deception and obstruction, many consumers did not understand they were agreeing to expensive markups, exorbitant finance charges, and having few ways to escape their contracts. The CFPB is asking that the court order the defendants to forfeit the illegally obtained profits, give refunds to consumers, and halt their misconduct. 

The CFPBs lawsuit alleges Acima violated the Consumer Financial Protection Act, Truth in Lending Act, Fair Credit Reporting Act, and Electronic Fund Transfer Act. Specifically, the CFPB alleges Acima has misled and harmed consumers through : False marketing Deceptive digital dark patterns Trapping borrowers Widespread credit reporting failures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Sorry to bother. This is a brand new case concern I called in but no luck with the bank support team. 

I simply need bank statements from XXXX XXXX when my account closed. I had several accounts. Including personal and business. I have a chronic XXXX  and need to track down some payments for medical care during this time for social security XXXX. 

Can you please help me thanks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
I requested that validation three times as well as disputed this on my credit reports this company states that my name is XXXX XXXX that has never been my name nor have I ever lived at that address. I have asked them to show me proof where I signed any document for this question account. All they say is they have valid proof when I requested the debt validation they sent the paperwork to be in the name of the reference name above, which is not my name I asked them to show me a physical signature. I asked them to show me proof like my physical ID or something because the names do not match mine I am just asking them to remove this for my credit report as it is hindering my report this is false information and if they do not remove it, I will be forced to file a lawsuit

Company response to consumer: Closed with explanation