vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
This company makes it impossible to pay the agreed upon amount within the XXXX  days because they pull out different amounts, charge fees, say you have NSF when there are funds available. Their phone numbers don't work half the time, their app freezes, fails to load, or just shuts down in the middle of trying to pay. If you call you may get hung up on, options don't go to anyone, you get someone that barely speaks English who can't explain things, or you get told incorrect/conflicting info. 

I spoke to a supposed supervisor named XXXX a few days before the XXXX  day period and tried to make a final payment but he didn't even know how much I owed. Somehow it was $ XXXX owed even though I had been paying more than {$15.00} weekly on a chair that was a floor model that was supposed to be {$370.00}. 

They make it impossible to pay them the lower XXXX because of fraudulent and deceptive practices. 

If you go to the XXXX, XXXX, XXXX, etc you will see many many many complained of this same nature and they have been sued for these practices. 

They even lied recently about me verbally authorizing {$54.00} to come out of my account which I did not. They took XXXX out and started they had me recorded giving the authorization, but they had to return my money because none of that was true. This shows deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX - XX/XX/scrub>/2024 XX/XX/XXXX XX/XX/XXXX, - XX/XX/year>2024 XX/XX/XXXX, - XXXX/XXXX/2024 XXXX - XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank is allowing handwritten checks, made out to me, from other states to be cashed, from different unknown people. All the checks are being cashed at one specific bank., all the checks are made out for the same amount of {$3500.00}, in the same month just days apart. On check was on XX/XX/XXXX and another on XX/XX/XXXX. They give a person or persons impersonating to be me {$3500.00} in cash then Chase takes the {$3500.00} out of my account due to a return checks or account closures. I live in Texas and these checks are being cashed in XXXX XXXX, Illinois at the Chase bank on XXXX XXXX XXXX XXXX. Thiis specific location can not be reached by phone every time I have called this location all their calls are routed Chase call Center. I filed a claim saying this is fraudulent and they tell me they will refund my money once an investigation is complete. The first time this happened it was on XX/XX/XXXX, I noticed a withdrawal in the amount of XXXX for a check written on XX/XX/XXXX, reason being that the account of which it was written from was closed. The second time this happened was on XX/XX/XXXX in the amount of {$3500.00} reason being that the check was returned, and this check was written on XX/XX/XXXX. The first {$3500.00} was refunded to my account on XX/XX/XXXX. The second {$3500.00} is still being investigated. Which should not be hard both checks although from different people have the same handwriting, were cashed at the same bank, in the same month, yet they still allowed it. I froze the account which is a major inconvenience and closed my business account with Chase. When I requested to close my personal account, the fraud is being committed on I told by the Chase claim department that I can't because they are not sure how many checks were cashed and if there is no account to withdraw the return/closed account checks from that they would file the money on my credit report. How hard is it see how many checked were cashed at this location to my account, instead of taking my money and treating me unfairly. There are camera and stamped times with identification numbers to identify who is doing this, yet nothing is being done by Chase to prevent and protect me from these fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I took out a loan to help me out from moving from the XXXX XXXX  of the XXXX XXXX back to the XXXX XXXX around XX/XX/XXXX of 2023. I believed I could get a job quick enough to pay the payments but finding a job was harder than expected. I could not find a job in time to make payments and fell too far behind and now it is effecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC 1681g, I ask that they be removed within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXX/XX/XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
A scammer called me after I placed an ad on XXXX seeking a loan. XXXX at XXXX XXXX said he would help me get the loan money I needed. 

XXXX told me to take {$400.00} from my checking account and buy a gift card and then take photos of the card and receipt and send the photos to him as an attachment to a text message. He then said to withdraw another {$400.00} and repeat the process. Then he said take out another {$100.00} and repeat the process. My bank, JPMorgan Chase, denied the third transaction. 

XXXX said he had a way to fix that problem so that he could complete his loan for me. He said he would need my account information. I gave it to him. He insisted that he also needed my password, but I said no. He then said I could simply change my password to protect my account. I said OK, gave him the password, then immediately changed my password with Chase bank. 

I then called Chase immediately after that and asked if they had spotted any unusual or fraudulent activity on my account. The Chase CSR said no. 

I was contacted by the criminal again on XX/XX/scrub>XX/XX/XXXX. I foolishly allowed him to have the code I got from Chase to change my password. The scammer then entered my Chase account and stole {$1600.00}. I was subsequently notified by Chase that my account was locked, and shortly after that I was notified by Chase that they had closed my account. 

I then spent many hours on the phone with Chase CSRs. They said I could not recover my money because I had provided my account information to the scammer. The Chase representatives said the whole thing was my fault, and therefore the bank needed to preserve its assets and would keep the money that was deposited into my account by the Social Security Administration and Veterans Administration as my XX/XX/year> pension benefit. 

I have since opened a new checking account with XXXXXX/XX/XXXX and have arranged to have my pension money deposited directly to my new bank account. 

Thank you for your time. Please help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
XX/XX/year> {$230.00} this debt started with federal cash advance now they sold the debt to Lockhart , Morris & Montgomery inc. Now every other day I'm getting threating phone call and text messages from the company but they haven't sent me the original copies with my signature, the forward flow agreement no nothing. please have this company to remove my information..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-05 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: NC

Complaint narrative:
My mortgage company continues to falsely report late payments on my Experian credit report and it is deeply impacting my credit worthiness. I tried to work with them directly but they actually CONFIRMED the inaccurate reporting. Under FCRA 15 USC 1681s-2 ( a ) all information must be accurate and they have literally verified they are inaccurately reporting my payment 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XXXX/XXXX/2025 To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity Properties Inc.
State: SC

Complaint narrative:
I was checking my credit report and seen a substantial decrease in my credit score and saw that it was from a medical bill put into collections by FIDELITY PROPERTIES IN for {$6700.00}, the account was open as of XX/XX/XXXXXXXX  and past due as of XX/XX/XXXX, but I had no notice of it. Nothing was sent in the mail and I tried to get in contact with them with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Company attempts to collect on charged off account no 1099 issued.

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 2025-02-05 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: LA

Complaint narrative:
- Creditor Name : XXXX XXXX XXXX - Last Reported : XX/XX/XXXX - Open Balance : {$460.00} - Opened On : XX/XX/XXXX - Account Status : Collection account I would like to dispute the accuracy of this account. According to my records, I do not owe this amount, and I believe this account has been reported incorrectly. I have also noted that there are consumer disputes regarding this account, which further supports my claim that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The bank messaged me to ask if I made a suspected fraud charge. They allowed it and then 2 more for the same amount to go through but canceled my card. I reported with a claim. They denied 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
XXXX  reporting incorrect balance since 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 2025-02-05 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im filing this complaint because TransUnion has mishandled my credit report. The XXXX XXXX account, which I previously disputed and had deleted, has been reinserted without any written notice or proper verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.

Under 15 U.S.C. 1681b ( 2 ), any reinserted account must have a verified permissible purpose, but I havent been given any proof of this. 15 U.S.C. 1681e ( b ) requires TransUnion to ensure that all reported information is accurate, but putting this account back without proper verification shows they failed to meet that obligation. Finally, 15 U.S.C. 1681n holds companies accountable for willful violations, allowing for statutory damages of {$1000.00} per violation.

This improper reinsertion has caused unnecessary harm and demonstrates negligence. Im requesting the immediate and permanent removal of this account and for TransUnion to be held responsible for violating my rights under the FCRA.

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 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XX/XX/XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-05 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:
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 2025-02-05 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:
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