vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the IRRS an unpaid charge off is income and according to the FCRA Income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. ( XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my report. Please cease the reporting and delete this account.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX I became aware that I had been a victim of identity theft after pulling my XXXX credit report and noticing accounts that did not belong to me. These accounts were opened fraudulently with my stolen information. I had no knowledge of the accounts being opened and have no association with them. The accounts were opened on XX/XX/XXXX according to the credit report. One of the accounts was the XXXX XXXX XXXX. Since I became aware of the fraudulent accounts. I have contacted Citi Bank multiple times to attempt to resolve the issue. Each time I have to start over completely from scratch in relaying the details of what has happened. I am transferred through multiple reps and multiple departments each time and there never seems to be a record of information or any progress made. It should be noted they did not have my correct address on file prior to me calling in to dispute the fraudulent card. Only after calling in and giving them my information to ensure they could send me updates via mail which I have requested multiple times did they have my correct address. I have not received any updates via mail from them regarding an investigation. I am continuously receiving calls from their department about overdue status of the account. I was informed by a rep the account was not closed correctly on my initial call to indicate an identity theft dispute. Despite not receiving any updates I continue to get calls about payment with no information about he status of an investigation. I sent a letter on XX/XX/XXXX with a dispute letter from the FTC, a notice to furnishers as well as supporting documents ( i.e. police report ) detailing the issue of identity theft and the fraudulent nature of the account. I continue to receive no notifications nor updates of any kind. This is incredibly stressful and has begun to affect my credit score which up to this time has been excellent. I am tired of getting the run around and just getting transferred to the same departments over and over to start from scratch each time. I need a resolution here and there is seemingly absolutely not progress being made.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX XXXX about inaccurate reporting with my lease. Their response on XX/XX/XXXX was that they were going to remove all late payments for my account that was paid in full in regards to the lease payments. ( Please see the attached response ) Chase Auto has refused to do this instead they reported to the financial bureaus that I was late for XX/XX/XXXX and XX/XX/XXXX. Now, I am listed as 60 days past due on my credit report. The lease was paid in full and I am in ligation for the end of term bill which XXXX XXXX stated I wouldn't be responsible for. However, that end of term bill has no bearing to my lease payments which were paid on time and in full which was acknowledged in their response. I sent a request to chase auto directly on XX/XX/XXXX after chase auto once again reported me lated in accurately. I spoke with XXXX agent number XXXX and Escalations supervisor XXXX ID # XXXX. They both refused to provide me proof of payment history that my lease was paid in full. The kept saying it wasn't because of the end of term bill which has no basis on my lease payments which are reported to the credit bureaus monthly. This again against the fair credit reporting act, which says all information reported must be accurate and reflect correctly an account status. 

Chase Auto has violated their response issued to to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
The data breach has affected my credit score by XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Was advised my personal information was leaked and used to get multiple cards as well as file for unemployment in a state that I dont live in

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian I have disputed incorrect items and they refused to remove. I have provided supporting documents.

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
The Bank is Commenity Back. I had several credit cards from different stores, owned by Commenity. In the beginning I paid my credit card bills on line well. One day as I went to pay all of my bills on the same day at the same time..when I logged in to Commenity Bank, they didnt recognize, my bank account number. they told me to contact my bank for the correct account number, but I knew that account number was correct, but I confirmed it with my bank anyway. So they called and wanted to give them my credit card number on file. I hesitated because if my bank account number isnt right, what can you do with my debit card information..after that I still tried to pay them by adding XXXX in the front, and back of my account number but that didnt work eitherI get ruffly 30 calls a day because I refuse to give them my debit card information.They dont have an area for debit cards, because you cant use a debit card to pay for a credit card bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This company and XXXX XXXX are both trying to collect the same debt. During COVID-19 I was enrolled in rent relief programs both state and federal. XXXX XXXX XXXX XXXX  are owned and managed by the same company. I was being stalked and after my lease at XXXX finished they moved me down the street to XXXX. After I was attacked management illegally evicted me. Genesis was notified to stop harassing me, through email or my credit. This is fraud and extortion. I will not pay this when victim services police dept and the state of Texas have XXXX housing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have asked the reporting agency to provide me with the methods of verification they used to validate the inaccurate reporting that is reflecting on my credit profile. My requests were sent on XX/XX/XXXX and again on XX/XX/XXXX. To date, I have not received any documentation supporting their claim of the validity of ownership of the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have asked the reporting agency to provide me with the methods of verification they used to validate the inaccurate reporting that is reflecting on my credit profile. My requests were sent on XX/XX/XXXX and again on XX/XX/XXXX. To date, I have not received any documentation supporting their claim of the validity of ownership of the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX, The employee asked if I would like to sign up for a store account and I filled out all the information for what I thought was the store account for TJX, It got declined so I don't have a card but it effected my credit score.

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 2025-02-08 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: SC

Complaint narrative:
I keep receiving phone calls and letters from XXXX stating that I am behind on my mortgage which I am not this is a constant thing. First of all I have told them repeatedly I am not verifying any information if they call me. They should already know my address second I have paid my mortgage on time the agreed upon amount is {$1700.00} which I pay half on the first and the other half before the XXXX of every month which makes is not late. This is the amount {$2300.00} that movement is claiming I owe which is not true and I don't know where they got this amount from. Which is according to XXXX is 38 days past due. I never agreed to pay $ XXXX plus a month and I will never agree to that amount. The calls needs to stop not only that the excessive amount that they charge for homeowners insurance is close to extortion. I finally have my own insurance and the amount again that I have agreed to pay is {$1700.00} and that is all I am paying every month. XXXX needs to fix what they have put on my credit which is late notices and late fees which I have not been on either.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app closed my account on or around the 3rd of XX/XX/year>. Without any explanation they blocked me from transferring or using my cash app card to withdraw the balance left. I've filled a complaint with XXXX. XXXX app said they would resolve the situation. I was instructed to upload a debit card to get the money out, I tried two cards. Cash app message keeps saying put the old card in. What old card?? Please help this organization is bullying people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Second email today ; second time I'm reporting. Different sender. It's an almost believable email telling me there are restrictions on my CHASE credit card. Earlier I received one, which I reported, saying security has been violated ; someone is purchasing XXXX XXXX with my card. This time the sender was XXXX. 

I know it is fraud because I click on the sender 's name immediately and it is not from Chase. They want me to click on their links ( I'm not that stupid ) and that's where I stop reading. 

Here is the second email ; Chase Logo Account Update Important : Please contact us or use the secure link - To help protect against fraud, we restricted and may need to close your account soon : At Chase, we're always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your accounts and may need to close it soon. 
We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account- you may be able to provide the information needed to keep it open.

Here 's what you should do Click the secure link below to quickly provide the necessary information to lift these restrictions ; otherwise, your account may be closed Secure Link Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

This service email was sent based on your alert settings. Use the Chase Mobile app or visit chase.com/alerts to view or manage your settings.

Chase can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your account. 

To protect your personal information, please don't reply to this message. Chase won't ask for confidential information in an email. 

If you have concerns about the authenticity of this message or have questions about your account visit chase.com/CustomerService for ways to contact us. 

Your privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these fraudulent inquiries and I demand proof of my full authorization 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TN

Complaint narrative:
I XXXX XXXX file a lawsuit against Equifax on XXXX XXXX XXXX for violation of the fair credit act. On XXXXXXXX XXXX XXXX Equifax and me agree to a settlement were they would remove all my 4 of my XXXX all 4 hard inquires and the XXXX XXXX account thats been paid off never late it was showing i owe XXXX dollars plus a check for XXXX dollars all the items they say was remove but my credit score when from XXXX to XXXX there no way i get 8 items remove plus the word XXXX XXXX remove from all my student loans and my score go down my score should have when up by XXXX points. this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX ( XX/XX/XXXX ) has shut down and left my treatment incomplete. Contacting XX/XX/XXXX to issue a refund because of the unsatisfactory experience I had which in turn XX/XX/XXXX did not fulfill their contractual obligations, yet, their financing partners XXXX XXXX XXXX ( XXXX ) demanded payment. I demanded they stop taking payments and informing my bank I was unaware of the bankruptcy XXXX XXXX XXXX had filed and I feared that XXXX was some type of fraudulent scheme. 
I had brought up the money back guarantee if I wasnt happy or satisfied with the results. I was told by XXXX that the original agreement with XXXX doesnt apply to what I demanded, then I get a letter from TekCollect stating if I dont pay or respond legal action will be taken. The refusal to provide information on what I demanded during my treatment and being a unsatisfied customer is contract manipulation. I, today, am still unhappy with the results from treatment from 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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 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 Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's 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. 

I have disputed the following on XXXX on XX/XX/XXXX and they sent be back a " Resolved '' dispute the same day XXXX XXXX Dispute number:XXXX  Company " XXXX XXXX XXXX '', however, now, per my credit report, it says XXXXXXXX XXXX XXXX XXXX The amount of collections at the moment is XXXX, and it continues to increase. I reported Identify theft on XX/XX/XXXX, reference number is XXXX, after noticing someone was using my social and ID. 

I Disputed yet again on XX/XX/XXXX and they sent me the denial on XX/XX/XXXX at that time the company was called " XXXX XXXXXXXX XXXX '' Theirs also a collection of " XXXX XXXX  '' sold to XXXX XXXX XXXX, XXXX for the amount of {$780.00}. However, I have an active account with XXXX XXXXXXXX and have always had an active, up-to-date account with XXXX XXXXXXXX, when I contacted XXXX about this debt XXXX they stated they did not have any knowledge of this account. 

The collections from " XXXX XXXX '' of XXXX. This car was returned to the dealership on XX/XX/XXXX. The company has failed to contact me within 30 days per the Fair Debt Collections Practices Act ; they are supposed to contact me within 30 days to collect payment, which they did not. They also closed my online account without even telling me there was a balance. 

Collections from " XXXX XXXX XXXX '' company was XXXX. I have disputed this account so many times. I have NEVER had a XXXX account. My phone company has always been XXXX until recently, 3 years ago I switched to XXXX XXXX XXXX due to better deals.

Company response to consumer: Closed with non-monetary relief