vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : Please remove ANY other information you are currently reporting as they are NOT accurate. 1 have attached my Identification card as well as a recent copy of my Bank statement for your verification. 

Best Regards, 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: IN

Complaint narrative:
I have contacted the company by mail to remove the accounts from my credit report several of times within the past year due to reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Well I had a {$200.00} dollars limit credit card and they over charged me talking about {$740.00} and I didn't used the whole {$200.00} I used about {$50.00} or XXXX dollars the maximum and paid them and still over charged me, still harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On Friday, XX/XX/XXXX before XXXX my cashapp account sent a total of {$2000.00} unauthorized to 2 people. This was split in 2 payments of {$1000.00}.

Cashapp will now refund me and I need this money back. There were declined transactions as well on this app that shows it was trying to protect me but failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX was contacted by a new XXXX distributor, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX They are a new distributor and were wanting to order {$11000.00} of our products. A proforma invoice was sent to XXXX from XXXX XXXX with wiring instructions. 

On XX/XX/XXXX the wire was sent and XXXX sent wire confirmation but it was never received by XXXX XXXX. Wire from XXXXXXXX XXXX XXXXXXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX Chase. See attached XXXXXXXX XXXX XXXX XXXX XXXXXXXX Not until XX/XX/XXXX, did we all learn, in a XXXX  conversation, that our emails had been hacked and the invoice that XXXX XXXX had sent that the XXXX  account number had been changed on the wiring instructions. ( see attached ) Fraud acct at JP Morgan Chase acct # XXXX After further review we found that the fraudulent emails started on XX/XX/XXXX and as far as we can tell all emails were intercepted. 

Fraudulent Email adresses XXXX XXXX XXXX XXXX Real email addresses : XXXX XXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX XXXX and JP Morgan Chase were both notified and a recall was issued by XXXX XXXX. XXXX. 
On XX/XX/XXXX, after daily phone calls to both banks we learned that JP Morgan Chase allowed the wire to go into the fraudulent account despite the name on the wire being for : XXXX XXXX XXXX XXXX. 

JP Morgan Chase failed to follow XXXX Guidelines. The name on the wire did not match the name on the account they allowed where they deposited the funds. Chase told us they have requested the money back from the account holder but they haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NJ

Complaint narrative:
I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off. XXXX XXXX XXXX XXXX XXXXXXXX, I have observed this account continues to be reported as having a monthly payment history, even though it should not due to its charge off status. This constitutes a direct breach of the Fair Credit Reporting Act as it is inaccurately influences the statue of limitation

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I have observed this account continues to be reported as having a monthly payment history, even though it should not due to its charge off status. This constitutes a direct breach of the Fair Credit Reporting Act as it is inaccurately influences the statue of limitation

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 2025-02-16 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: NJ

Complaint narrative:
I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off. XXXX XXXX XXXX XXXX XXXXXXXX, I have observed this account continues to be reported as having a monthly payment history, even though it should not due to its charge off status. This constitutes a direct breach of the Fair Credit Reporting Act as it is inaccurately influences the statue of limitation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out several times Equifax and Experian I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: VA

Complaint narrative:
Transunion, Equifax & Experian have violated FCRA by reporting inaccurate information to deny well-qualified status

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 2025-02-16 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: VA

Complaint narrative:
I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies Equifax has not fulfilled it's legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
Spring Oaks Capital LLC XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I Been Had Cash App Since They Came Out A Few Of My Accounts Were Hacked And 1 Of My Accounts They Shut Down And It Had Money In It And They Didnt Even Send Me My Money Saying Im Not Who I Say I Am I Sent Pictures Of Me And My Id Social Security And Birth Certificate I Just Want My Money And To Be Able To Make Me Another Cash App Please I Have XXXX Kids And No Time For Games I Dont Remember Exactly How Much I Had On That Account Because 1 Minute The Account Open And The Next Minute They Closed It Telling Me Im Not Who I Say I Am

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a refund from Bank of America due to an unauthorized transaction on my edd prepaid account. The claim was paid in XXXX of XXXX. The claim was originally submitted XXXX of XXXX while I was in covid isolation after testing positive at a recovery house I was in. It was repeatedly denied when first submitted. I appealed everytime until finally it was paid .as soon as the refund was paid by bank of america they closed my account claiming that the state requested it be closed I received an email from the bank that the investigation has been completed and the refund will be permanent. The state did not request the bank to close the account and this was confirmed by phone to the bank during a 3 way call with the bank an edd representative and myself. I went on trying to get the matter cleared up unfortunately with no results Bank of America insist that XXXX closed the account, XXXX insist they did not nor do they have the ability to close the account XXXX issued final payment to bank of america XX/XX/XXXX of XXXX and my claim with them was closed. They had no knowledge of the claim with bank of America or when it was paid by bank of america. XXXX of XXXX while trying to get bank of america to issue a check for the balance of {$4000.00}. I was told by bank of america they sent the money to XXXX. For over a year I was told that the funds could not be released from a closed account. The state XXXX department claims no knowledge of the payment from the bank. 
Please help me with this problem You couldn't imagine the troubles I have been through because of this I don't know what else to do.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've tried to access the company 's online portal to review my credit report. I've made numerous attempts to contact the agency through chat and email, but no resolution has been reached. The inaccuracies in my reports ( viewed by obtaining my report through a third party ) continue to cause malice to me personally and my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: LIVE OAK BANCSHARES, INC.
State: VA

Complaint narrative:
Opened new personal savings on XX/XX/XXXX, in response to promotion offering {$300.00} bonus for deposing and maintaining {$20000.00} for 60 consecutive days. Deposited the {$20000.00} on XX/XX/XXXX and painted the balance well into XX/XX/XXXX. Despite meeting the requirements, have not been paid the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I emailed and Called XXXX XXXX XXXX XXXX  several times over a year ago to remove this debt to date nobody has returned my phone call or email. I asked them To remove the debt because they breached the contract by providing my ex husband who was not on the lease keys to my apartment, making it unsafe for me to move out. The police wouldn't do anything because it's a civil matter and I would have needed to evict my husband. A process that would haven taken 30 days, at the time I only had 2 weeks or so remaining on my lease. During the remaining two weeks I faced XXXX  XXXX from him. I could not safely move out. I went to the office and complained about my husband having keys to my apartment. XXXX the manager disabled his keys but that did nothing to get him out of my unit bc I would have needed to evict him. The day I came home after been gone from my unit over the weekend I came home to find him in my unit, making things more problematic bc the police couldn't do anything. I have video of me coming home that day and him in my apartment. Screenshots of him making fun of that he has the keys to my unit. XXXX XXXX XXXX XXXX  in XXXX Texas wants to charge me XXXX  in move out cost when they are the reason I had to move abruptly for my own safety. Furthermore they are violating the laws that protect victims of XXXX  XXXX by issuing me an move out bill that is outrageous.They were aware of the XXXX  XXXX that went on in my apartment bc the neighbors would call and voice their concerns. The police came several times to my unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
My Mortgage Company is Mortgage Solutions Financial Services. They habe not reported to the credit bureaus XXXX, XXXX, and XXXX since XX/XX/year>. I have never been late on any payments. The VA Home Loan Guaranty has sent me a letter stating I am behind on my payments. I have never been late. I called Mortgage Solutions multiple times and they still have not solved this issue, Where is my money going? This is hurting my credit as my score has dropped and can hurt me from ever getting another VA Home Loan. Please Help get answers. I have attached evidence please review. Mortgage Solutions stated the loan was transfered but I received no additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX - Balance : {$700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, 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