vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Tuesday XX/XX/year> i reached out to Wells fargo bank resolutions dept regarding a hold placed on my business line of credit, i called several times to reach the case manager that was assigned to me, as a result of them not reaching out to me and i am also un able to get in contact with my case manger, i am having downtime and losing productivity for my business as a result of there lack of professionalism

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 2025-05-12 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: GA

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 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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a business account with Digital Federal Credit Union aka DCU. Member Number is XXXX. On XX/XX/year> a check for {$860.00} was cashed from my account which looked suspicious for following reasons : XXXX. The signature on the check doesn't match signature of any of the authorized signatories. 
2. The front of the check seems to be printed on a computer and has a date of XX/XX/year> XXXX. The back of the check image is from a different check and has an endorsement date of XX/XX/year>. 

This check seemed to have been deposited using a mobile device with XXXX XXXX XXXXXXXX. 

I called DCU on XX/XX/year> to make them aware that the issues with the validity of check. They refused to do take any action and asked me to fill out an affidavit of fraudulent activity and told me that once i fill out the form, they will close the account and open a new account. The repercussions of doing that is significantly higher as i will have waste all the current check, order new checks, inform the lender, inform all the tenants, inform the payment processing company and so on. 

As per DCU, the account number is sensitive information whereas i don't think that way as that information is on every check that i write. The person that misused the information can do it again unless DCU doesn't fix the process of verifying the check. 

Since then, I have called DCU multiple times and asked them about their process of check verification and fraud prevention. I don't get a straight answer from them. It seems like they don't verify the check at all. They told me that if the bank where the check is deposited accepts the check then they don't verify at all. I asked them that the bank where the check is deposited doesn't have a copy of the signature on file so DCU should be the one verifying that. They told me that if i don't fill out the affidavit then they will not take any action even though they are aware of the fraud. I asked them to give all of this to me in writing but they refused to do so. I also asked them to escalate the call and they told me that senior people at DCU don't have time to talk to members on such issues. 

I don't think that changing the account number will fix the issue. The core issue is that there is not enough due diligence on mobile deposits by DCU and this can happen again. They should be at the least verifying the signature on the check.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
considering I did not create these illegal accounts and was unaware of their existence, kindly remove them from my credit report. I anticipate having them removed within 15 days in accordance with USC 1681g. Please refer to the supporting materials provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: OH

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. 
The inquiries I am referring to, for which I did not give written permission, are as follows : XXXX XXXXXXXX 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 I have already put both the credit reporting agencies and the furnishers on notice regarding the inaccuracies on my consumer report. Despite this, no action has been taken to correct these errors, which continue to cause me extreme harm. The inaccuracies on my consumer report have prevented me from obtaining credit, employment, and other opportunities that require a clean credit history. 
I am requesting that your agency investigates this matter and takes the necessary steps to ensure that these companies are held accountable for their actions. I am also requesting that the inaccurate inquiries on my consumer report be removed and corrected immediately. I believe that your agency has the power to protect consumers like myself, and I hope that you will take this complaint seriously. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
I was hospitalized in XXXX. I had no job and no medical insurance. The name of the hospital does not show on the information that was sent to me in XXXX. I paid from savings I had for fear of ruining my credit. But after some consideration, in XXXX I wrote to the collection agency and received no response. Also, XXXX of the doctors charged me {$10000.00}, after checking the XXXX  XXXX XXXX, which shows no record of being licensed to practice medicine in the XXXXXXXX XXXX XXXX  ( XXXX XXXX. XXXX ). The other XXXX XXXX XXXX XXXX charged me {$20000.00}, which charged me room fees. Should not the room and hospital fees have been charged to me by the hospital not the doctor. Therefore, I assume the hospital did not charge me, but the doctors did. I, therefore, should be refunded the full costs of XXXX XXXX. XXXX and a substantial portion from charged to me by XXXX XXXX XXXX XXXX should also be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CCS Financial Services, Inc.
State: DE

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. 
Credit Collection Services Acct # XXXX Credit Collection Services Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AL

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 XXXX 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 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
To : Experian Subject : Second Notice Identity Documents Already Provided via CFPB Complaint To Whom It May Concern : This letter is in response to your recent correspondence requesting identity verification documents in relation to my credit report dispute. I am writing to remind you that I already submitted valid and sufficient identifying documentation via the Consumer Financial Protection Bureau ( CFPB ) portal on [ insert date you filed the complaint ]. 



Your repeated request for the same information, despite already having it on file, is a delay tactic and a violation of the Fair Credit Reporting Act ( FCRA ), which requires timely investigation and resolution of credit disputes. I provided : A government-issued ID ( showing my current address ) Copy of SS Card This information is still valid and current. Therefore, I am formally demanding that you cease stalling, complete your investigation, and correct or remove the disputed item ( s ) within the legally mandated 30-day period, as the clock has already started from the date the CFPB submitted the complaint. I am aware Experian are being sued for not properly investigating as they are doing to me as a consumer. I feel my consumer rights are being violated Failure to comply may result in further complaints filed with the CFPB again, FTC, and potential legal action for noncompliance and failure to properly investigate my dispute. 



Please confirm in writing that this matter is being handled appropriately. 



Sincerely, 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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Im filing a complaint against JPMorgan Chase Bank , N.A . regarding a fraudulent transaction on XX/XX/year>, made through XXXX using my debit card. The amount was {$260.00}. My XXXX account was hacked and accessed without my authorization, and tickets were purchased without my knowledge or approval. I never received the tickets or benefited from the purchase in any way. 

Initially, I was attempting to get this solved through XXXX. They asked me to file a claim through Chase instead, so I did. On XX/XX/year>, I filed a dispute with Chase two days before the event was scheduled to take place on XX/XX/year> showing I acted promptly. XXXX later closed my account due to the unauthorized activity, which confirms they recognized fraudulent access. 

Chase denied the claim, stating XXXX responded by confirming the tickets were purchased using my card but this does not address the unauthorized use of my XXXX account. I made multiple follow-up calls, but Chase refused to reopen the claim or investigate further. 

The documents I will attach : Proof of dispute Proof of denial Proof that I reached out to XXXX support on XX/XX/year> ( 1 day after the unauthorized purchase was made ). I also reached out to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX Plenty of other times after the date of the event too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Subject : Dispute of Unverified Collection Entry Helvey and Associates I am formally disputing a collection account reported by Helvey and Associates, which appears on my credit report with the following information : Creditor Name : Helvey and Associates Reported Balance : {$620.00} Date Opened : XX/XX/year> Status : Placed for Collection I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a thorough investigation into the validity of this account. If the data furnisher can not substantiate the debt with original documentation, then under FCRA Section 611 and 607 ( b ), this item must be corrected or removed to maintain the accuracy and integrity of your reporting. 

Please provide written confirmation of the outcome within the 30-day timeframe allowed by law. I have attached proof of identity and residence to facilitate your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Friday, XX/XX/XXXX, XXXX. I spoke with XXXX in your billing department about an outstanding bill that is affecting my credit. 
XXXX. She reviewed my account and stated that I had a XXXX balance. 
XXXX. I saw XXXX XXXX on XX/XX/XXXX, regarding XXXX paperwork, there was a balance from that visit in the amount {$170.00}. 
XXXX. XXXX stated that XXXX had rejected payment for my visit and a balance of {$570.00} was due. 
XXXX. XXXX approved payment for my visit leaving a balance of {$170.00} which was paid on XXXX XXXX. 
The account was sent to XXXX XXXX XXXX for XXXX ( XXXX ) different amounts that I do not owe XXXX XXXX XXXX. Equifax is reporting an unpaid balance of {$570.00}, and Experian is reporting an unpaid balance of {$400.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've tried and tried to receive my credit report through TransUnion, XXXX XXXX XXXX XXXXXXXX, and XXXX all to no avail. I've come to the conclusion that I either have no credit or the info in these systems is incorrect from what I'm putting so they aren't allowing me to get 1. I need to see my consumer credit report sheet so I can verify it's accuracy and continue on with business in the public and private.

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