vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I applied for a credit card this past week from XXXX XXXX XXXX and I received a notification that there was an account that was not satisfactorily I never have had an account with XXXX XXXX this account was opened fraudulently its not showing on my credit report so I had no way of knowing about it XXXX XXXX opened this account with it my knowledge I need this cleared up as I have never had an account with XXXX XXXXXXXX I am a victim of identity theft and I have had numerous fraudulent accounts opened in my name with fraudulent documents but I did not know about this one as it does not appear on my credit report please help me get this resolved I called XXXX XXXX and they tell me there is a XXXX checking account and a secured credit card that were both opened in my name and they are unable to provide information and they are unable to remove the fraudulent account because they sold it to portfolio recovery collection agency they proceed to tell me to dispute with them I have tried my best the people at portfolio recovery are very rude they even told me I sounded like a female and said they needed to speak to XXXX  XXXX XXXX XXXX XXXX and they told me that the account was previously disputed and that the outcome would not change I need XXXX XXXX to deal with this these are not my accounts they need to fix this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
I applied for a credit card this past week from XXXX XXXX bank and I received a notification that there was an account that was not satisfactorily I never have had an account with XXXX XXXX this account was opened fraudulently its not showing on my credit report so I had no way of knowing about it XXXX XXXX opened this account with it my knowledge I need this cleared up as I have never had an account with XXXX XXXXXXXX I am a victim of identity theft and I have had numerous fraudulent accounts opened in my name with fraudulent documents but I did not know about this one as it does not appear on my credit report please help me get this resolved I called XXXX XXXX and they tell me there is a XXXX checking account and a secured credit card that were both opened in my name and they are unable to provide information and they are unable to remove the fraudulent account because they sold it to portfolio recovery collection agency they proceed to tell me to dispute with them I have tried my best the people at portfolio recovery are very rude they even told me I sounded like a female and said they needed to speak to XXXX XXXXXXXX XXXX XXXX XXXX and they told me that the account was previously disputed and that the outcome would not change I need XXXX  XXXX to deal with this these are not my accounts they need to fix this problem

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 2025-01-23 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: Global Lending Services LLC
State: MD

Complaint narrative:
Sent letter XXXX to XXXX XXXX XXXX, no response no action taken, to remove the inquiry off all 3 bureaus XXXX, XXXX, XXXX its been 55 days I thought you are to respond in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Experian then went ahead and disputed positive reporting accounts that was paid off after I submitted my original complaint on XXXX I never submitted a dispute with my positive accounts

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 2025-01-23 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:
My name is XXXX XXXX, and I am formally disputing the in accurate information listed on my credit report. In accordance with 15 USC 681b and 15 USC 681c. I did not authorize the reporting or release of my personal information to the companies listed below : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$830.00} Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$1900.00} Account Name XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Current Balance : {$380.00} HARD INQUIRES : XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquires on my credit report that I did not initiate, which constitutes as a case of identity theft. Pursuant to 18 USC 8 I do not owe any debt to these entities, and I demand the immediate deletion of these items and inquires in question to correct my credit report. Please address this matter promptly and confirm the removal of disputed entries

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 2025-01-23 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: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation. These are the accounts Ive marked as inaccurate. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I am disputing this unknown collection account as it does not belong to me. The account for SOUTHWEST CREDIT SYSTEMS, the account number is XXXX and the account is fraudulent and not my responsibility. I have never purchased this vehicle, never applied for financing for this vehicle, and have no connection to this debt. I request a full investigation and complete removal of this account from my credit report. Ive asked XXXX and XXXX multiple times And attempted to delete this information. Please investigate and remove this fraudulent account from my credit report immediately Thank you for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NV

Complaint narrative:
This complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial protection Act ( CFPA ), 12U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have attached the accounts that Equifax for failed to properly investigate my disputes regarding inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
They stole XXXX some dollars away from me and did not give it back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed accounts and inquiries on my experian, XXXX and XXXX credit report that was invalid and not owed. They did not investigate the disputes properly. With me receiving responses to my dispute in 24 hour. When I reached out to the companies. They stated no credit reporting agencies contacted them about my disputes. According to the fair credit reporting act. This is illegal. Experian, XXXX and XXXX did not do their due diligence.

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 2025-01-23 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding the closure of my accounts at Chase Bank without a clear explanation or due process. I believe this action has caused undue financial hardship and may not align with fair banking practices. 

I have been a long-standing customer of Chase Bank for over 10 years, maintaining both personal and business accounts as well as credit card accounts. Recently, I obtained a loan secured by my home to fund a business I operate in XXXX. Shortly after the loan funds were deposited into my Chase account, I received a letter from Chase informing me that all my accounts, including unrelated personal and business accounts, would be closed. 

Chase has not provided any detailed explanation for this decision, which has disrupted my ability to manage my finances. This includes the closure of credit card accounts and accounts that had no connection to the loan or business in XXXX. 

I kindly request the CFPB 's assistance in addressing the following : Ensuring Chase provides a detailed explanation for the closures. 
Reviewing whether Chase 's actions were compliant with consumer protection laws. 
Helping me determine whether Chase can be compelled to reconsider the closure decision. 
The abrupt account closures have caused significant financial distress, and I am seeking a fair resolution to this matter. Please let me know if further information is required to proceed with this complaint. 

Thank you for your attention and support in addressing this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$810.00} XXXX XXXX XXXX - XXXX - {$1400.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As per guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oh XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Trasnunion. Please delete the following accounts. XXXX XXXX pal. {$1500.00} XXXX XXXX bal. {$8600.00} XXXX  bal. {$270.00} Department of treasury XXXX. {$2700.00}.

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 2025-01-23 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: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-23 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: FL

Complaint narrative:
I make it a habit to check my credit report because my credit score really matters to me. Unfortunately, I keep finding inaccurate and false information on it. This has been a constant issue, and no matter how many times Ive raised it, nothing has been fixed. Its incredibly stressful and draining, and it's starting to seriously impact my life and my credit score in an unfair way.

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 2025-01-23 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: AL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
Items were not removed from my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
As of XX/XX/XXXX, CHASE BANK closed my credit card account ( ending in XXXX ). My account was kept up to date and I believe this account was closed in retaliation for my other credit card I have ( ending in XXXX ). I have sent in alternative financial instruments for that card ( XXXX ) with instructions to contact me via email if there were any problems processing the instruments in order to fix any issues. CHASE BANK never contacted me to dispute the instruments and therefore under Postal rules ( instruments sent via certified mail ) are considered accepted and the debt " MUST '' be discharged! CHASE BANK did tell me that they don't accept such " payments '' after the fact. Since the United States government has assumed all public debt after House Joint Resolution XXXX of XXXX, CHASE BANK can not refuse the discharge of the debt. The government of the United States has assumed all debt obligations and that they shall be discharged, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. " Coin or currency '' means coin or currency of the United States, including Federal Reserve Notes ( FRN 's ), and circulating notes of the Federal Reserve Banks and national banking associations. { see 73d CONGRESS, SESS. I. CHS. 48, 49. JUNE 5, 6, 1933 pg. 113 }. The payments sent in are legal tender and therefore CHASE BANK ( or their Indentured Trustee ) is negligent in their fiduciary duties as to the Public Trust account for XXXX XXXX XXXX. They have harmed me by making me unable to use " MY '' credit to pay bills and destroying my credit scores for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX They refuse to remove the erroneous data from XXXX, XXXX and Expierian.

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