vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX INQUIRIES XXXX XXXX  - XX/XX/XXXX, XXXX DC - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear Comenity Bank/Express Customer Service , I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my charge card account, which has been inaccurately reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XXXX XXXX ( as reported, though disputed as inaccurate ) Charged-Off Amount : {$760.00} Credit Limit : {$340.00} Highest Balance : {$760.00} Last Four Digits of SSN : XXXX Per IRS regulations ( Section 6050P ), you must issue Form 1099-C for canceled debts of {$600.00} or more. I need this form for my records and tax compliance, as the reported charge-off of {$760.00} may impact my tax obligations. 

However, I am actively disputing this accounts status with credit bureaus and the CFPB, as the charge-off and delinquencies ( reported as 30180 days past due in XXXX ) are false. I made all payments on time, and this account was never delinquent or charged off. The inaccurate reporting has severely damaged my credit score, denied me credit opportunities, and caused financial hardship, which I am addressing through ongoing disputes. 

If Form 1099-C has not been issued, provide a written explanation detailing why, with supporting documentation for the charge-off. Clarify any outstanding balance, whether the debt was sold or assigned, and if further action is required. I am concerned that failing to issue this form, if applicable, violates IRS rules and complicates my tax filings. 

Please send the requested documentation to the address above promptly, no later than 15 business days from receipt. Contact me at XXXX or XXXX if needed. I expect your immediate and thorough response to resolve this critical issue. 

Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-03 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation

Complaint narrative:
XXXX XX/XX/XXXX Received escrow analysis statement Showing shortage amount {$16000.00}. ( they bought my mortgage in XX/XX/year> ) called them several time trying to understand how they let my escrow get so delinquent they told me to call my county tax office ( employee # XXXX ) Employee # XXXX said he would send the paperwork XXXX not here yet They told me- they did me a favor an keep my accounts up to date and I complaining about paying them ( employee # XXXX ). That its the home owner responsible to make sure I pay enough. 

Going thought my paperwork I can see there Errors THEY made now I did not catch that at the time I can not could up with the amount they say I owe I have lost all confidence and trust in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase Bank created a fraudulent 1099-G totaling {$3200.00} on checking account XXXX that was closed over XXXX years ago. Chase Bank has reported false information to the IRS for tax year XXXX to reduce their own tax burden. Police report XXXX filed with the XXXX XXXX division is included detailing XXXX XXXX that Chase Bank committed on XX/XX/XXXX. After receiving the fraudulent XXXX, I visited Chase XXXX XXXX at XXXX XXXX XXXX, XXXX, WI XXXX on XX/XX/XXXX and the branch confirmed Chase Bank had without my permission reopened account XXXX. I also called the phone number provided ( XXXX ) on the fraudulent 1099-G and Chase Bank XXXX refused to provide any information and claimed after XXXX years banks are not required to retain records. All debts incurred on account XXXX and any Chase Bank accounts opened or reopened without my permission are the sole responsibility of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX is holding my funds and not allowing me to use my business account. I don't have any funds to pay for my rent, my expenses and the landlord is kicking me out if I don't pay the rent. XXXX is not giving me any explanation as to why are they holding my funds and no one is telling me or giving me a time frame as to when I am going to get my funds that I have been working really to hard to earn and make a living

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On Tuesday XX/XX/year> I was fraudulently charged 2 charges- XXXX of {$99.00} and another of {$99.00} at a random south Ga gas station without my authorization. I was at home and my phone notified me of these charges and I immediately locked my card. 
I filed a dispute with chime and ordered a new card. They gave no temporary money. 
After a 20 day investigation they denied my claim and said the charge was authorized and they would not be refunding me for the charges. 
I called them on the phone to ask for the investigation report and the criteria by which they conducted this investigation. I was never provided with who the investigators were or the criteria used for investigating such an investigation.

received a 1 page report that said essentially that the charge was declared valid and that was all.

I called them back upon receiving this report and asked to reopen the investigation. I gave a verbal report which the banker on the phone put me on hold to submit. I asked if I would be receiving an email confirmation of the open inquiry and investigation, I never did.

I received another email 2 days later saying that the original decision stands and they would be closing the investigation.

Chime bank would not protect me against fraudulent activity and I am out almost {$200.00}.

I experienced true fraud and 2 unauthorized charges on my debit card from somewhere not close to me or anywhere I have ever even been. If I hadnt locked my card I am certain I would be out an even higher amount than I currently am.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX has been reporting missed payments for XXXX years on my account which is false and a lie. I have never missed a payment and I sent several disputes and nothing has been resolved yet. My account was on auto pay that the set up I also over paid for my car and want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
XXXX XXXX XXXX has been reporting missed payments for XXXX years on my account which is false and a lie. I have never missed a payment and I sent several disputes and nothing has been resolved yet. My account was on auto pay that the set up I also over paid for my car and want my money back

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 2025-03-03 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 2025-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lyons, Doughty & Veldhuis, PC
State: PA

Complaint narrative:
I have been dealing with this fraudulent account for 3 years now. Ive contacted them over a hundred times. Ive gotten police reports, Ive gotten identity theft reports, I did everything in my power and they will not remove my name from this debt. Now they transferred it to a law firm that still has my name associated with this account. They trying to sue me The owner of the vehicle has confirmed to them that this was not my debt and trying to make an offer and they are still coming after me. She even contacted the law firm to tell them she wants full responsibility of the debt. They wont awnser the phone some. What kind of law firm dont lets you speak to a XXXX. I refuse to pay a dime to XXXX XXXX. If they want any money they have to get it from XXXX. Ive never signed a contract. And they accuse me of doing so. They running a fraudulent company and they need to be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: WA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-03 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: WA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX management. 
as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Kriya Capital, LLC
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and Credence Resources management. 
as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1200.00} INQUIRIES : N/A Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2025-03-03 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/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 2025-03-03 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: MI

Complaint narrative:
The two attached complaints were filed in XXXX. It is 60 days and the issues are not resolved. I paid off an entire loan in XXXX of XXXX. The creditor Affirm and experian refuse to fix this problem. Instead in the month of XX/XX/year> they show that I have a late payment. How can I have a late payment when I paid this off! 

The CFPB needs to do their job and get the creditor and the credit company to fix the problem or they will be part of my motion that I'm filing in court. I will ask them to have a representative show up and explain why they did not uphold fair credit laws. The creditor and the credit company will also be responsible for telling me why are they took more than 60 days to answer back a complaint.

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 2025-03-03 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: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief