vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX and XXXX health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-02-22 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX and XXXX health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company refuses to validate this debt. In accordance with 15. U.S.C. 1692C, my communication rights have been violated.

XXXX is reporting on credit bureaus unlawfully without proof of debt ownership. Under the FCRA, a company must ensure that the information reported to credit bureaus is accurate and complete.Reporting a debt without proof can be considered inaccurate reporting. 

The FDCPA requires debt XXXX to provide verification of the debt if requested by the consumer. If a company reports the debt without providing proof upon request, it may violate this requirement. 

This is part of a lawsuit and should be removed IMMEDIATELY or CFPB, XXXX, XXXX, and XXXX will all be coupbale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, I presented the original Certificate of Deposit in person to banker XXXX XXXX at Chase, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. XXXX tried to allocate the record with Chase Bank back office. Chase Bank can't locate the record of the CD. Her business phone XXXX  is XXXX. 

This was escalated to Chase Bank Escalation department. A gentleman XXXX in the escalation department from Chase XXXX ( Phone # XXXX XXXX XXXX with word ID # or case # XXXX ) called me in XX/XX/year> and notified me he could not allocate the CD in their system and the case was closed. 

I also filed a complaint through the Chase Bank website. on XX/XX/year> Chase Online responded back " We understand how this can be important and regret for any inconvenience this has caused. Certificate of Deposit account inquires are managed at the branch. Unfortunately we were unable to help you with your Certificate of Deposit account through the e-mail channel. '' I have been seeking for legal support and I am happy to know you will be be able to help out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding sales handling of disputes, particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution and failed to investigate my claims adequately. they informed me that recovering lost funds was impossible in that tracking these transactions was unfeasible the CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users Vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
XXXX Bank : Part Account Number ; XXXX Status : Closed- Claim I owe {$1500.00}. ** Showing ; sold to NCB Management ; In comments lender claims : Purchased by another lender. 

NBC Management Services part Account XXXX ; XXXX claim i owe {$1600.00}. ** in comments ; completed investigation- Really? 

How do I owe XXXX company 's for the same thing? 
somebody did not investigate.. 

Report # XXXX for XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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 sent multiple letters to experian equifax & transunion letters explaining these late payments are unauthorized and incorrectly being reported on my credit report enabling me to receive any credit and keeping my score low for months and losing multiple opportunities. account is XXXX XXXX account number experianXXXX equifaxXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: TN

Complaint narrative:
i sent multiple letters to experian equifax & transunion letters explaining these late payments are unauthorized and incorrectly being reported on my credit report enabling me to receive any credit and keeping my score low for months and losing multiple opportunities. account is XXXX XXXX account number experianXXXX equifaxXXXX

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
This account was opened in XXXX and closed XXXX. No longer being reported but not deleted.

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 2025-02-22 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 did not make these inquiries they are not mine. 15 USC 1681B. 

XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024

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 2025-02-22 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies Transunion, Equifax and Experian to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX {$6500.00}, XXXX XXXX XXXX  {$3200.00}, XXXX {$4100.00}, XXXX  XXXX {$7200.00}, XXXX  XXXX {$6800.00}, XXXX XXXX {$3000.00} Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me.

Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions.

Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement. 
Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.

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 2025-02-22 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX  account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX and XXXX, despite the fact that all payments have been made on time. 
2. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments.

Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Experian immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.

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 2025-02-22 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX ACCOUNT # 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 A ACCOUNT WITHOOUT MY WRITTEN INSTRUCTIONS

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
when i looked at my points history, i noticed the credit card company ( wells Fargo XXXX ) had literally crossed out my points on half my purchases. I used the customer service chat option in their app to ask why, and got a generic description of the rule ( i hadn't made enough purchases that month ). I counted my purchases and said that wasn't true. The customer service agent i was chatting with seemed really stupid, the conversation kept going in circles and felt like we were talking at each other. They would ask me to upload a screenshot of what i was seeing ( in their system ), and then tell me they couldn't view the screenshot. 
In the end it turned out they were also deceiving me and this was an AI chat bot. that wasted my time and really frustrated me as i was talking to a brick wall and thus making no progress. I still haven't received my rewards points. 

In the end I asked the chatbot to send me a transcript of our conversation ( so that I could include it in this complaint ). it told me it has to go through a human ( ironic ) and i could not have it immediately. i will upload it if i ever receive it.

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 2025-02-22 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: CA

Complaint narrative:
I recently reviewed my credit report and discovered a fraudulent account that I did not open. This unauthorized account is negatively impacting my credit and hindering my ability to obtain financing for my dream home. I am requesting the immediate removal of this fraudulent account from my credit report.

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 2025-02-22 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: TN

Complaint narrative:
i sent multiple letters to experian equifax & transunion letters explaining these late payments are unauthorized and incorrectly being reported on my credit report enabling me to receive any credit and keeping my score low for months and losing multiple opportunities. account is XXXX XXXX account number experianXXXX equifaxXXXX

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 2025-02-22 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: Block, Inc.
State: IA

Complaint narrative:
I attempted to purchase something from someone online. I realized as the transaction was happening it was a scam. I tried to stop mid way. Didn't work. I reported it and was told to file police reporting that's all they can and ended the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AP

Complaint narrative:
XXXX XXXX failed multiple times to properly suspend my account due to me being on XXXX XXXX military orders. Now it is in the hands of debt collectors once again. In XXXX of XXXX I have reached out to XXXX to me being contacted by a debt collector agency. I sent a copy of my military orders through email once again and supposedly the issue would be resolved and the account would be disputed. The collection account stopped appearing on my credit report but as of XX/XX/XXXX it is appearing again. XXXX still hasnt suspended the account and I ended up losing my phone number. Reached out as of today, XXXX and XXXX basically told me they cant do anything about it since it with debt collectors now. Debt collector company is IC System. And XXXX put it back on my credit report without my acknowledgement which goes against 15. U.S.C. 1692C.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Company has me down for 2 late payments, however the auto payment was set and did pay out at the appropriate time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed {$290.00} by a company XXXX. the purchase was on my Chime card for {$290.00}, XXXX never sent me my items purchased they basically stole my money, I reached out to my card company which is Chime to let them know what happened I complied with every evidence requested from Chime and Chime still has not credited my card back yet they keep telling me to be patient with them but they still have not credit my card. I requested from Chime proof of the merchant XXXX charge back and Chime has refused to give it to me. I requested Chime corporate office number and they refused to give me it as well, I have been card holder with Chime for about 3 years and I am very disappointed in Chime treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
inquiries on my credit report without my authorization

Company response to consumer: Closed with non-monetary relief