vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
In XX/XX/year>, I received a letter from Chase Bank, credit card services, that we had not reached a mutual installment payment agreement. Which was a surprise to me because I responded to their debt collection letter by making an installment payment agreement with the bank. 

Then, suddenly, in XX/XX/year>, Chase Bank voided my payment agreement. 

Next, in XX/XX/year>, I was sued by the law firm of XXXX XXXX XXXX XXXX XXXX, on behalf of Chase Bank, for XXXX credit cards, in the amounts of {$13000.00} and {$11000.00}. 

After reaching the law firm, they agreed on a single settlement in the payment amounts of {$9200.00} and {$10000.00} respectively, for XXXX credit cards. 

But the question arises : Why was my original installment agreement with Chase Bank voided? 

Why did the law firm not accept installment payments? 

Why did the law firm create my financial hardship? 

Why was their less than XXXX  days on the collection of my debt in the total amount of {$19000.00}, creating my financial hardship? 

Lastly, in XX/XX/year> I borrowed the funds and paid the debt of {$19000.00} and the law firm mailed me my settlement stipulation on the debt. 

Given the seriousness of this issue, I believe the Consumer Financial Protection Bureau ( CFPB ) has a crucial role in the American XXXX. Thank you for your attention to this matter. In hindsight of the events, I look forward to your report. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of identity theft. There are several inaccurate accounts, inquiries and a bankruptcy on my 3 credit reports. I didnt give authorization or permission to any one to open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of identity theft. There are several inaccurate accounts, inquiries and a bankruptcy on my 3 credit reports. I didnt give authorization or permission to any one to open these 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 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mullooly Jeffrey Rooney & Flynn
State: DE

Complaint narrative:
In XX/XX/year>, I received a letter from XXXX XXXX, credit card services, that we had not reached a mutual installment payment agreement. Which was a surprise to me because I responded to their debt collection letter by making an installment payment agreement with the bank. 

Then, suddenly, in XX/XX/year>, XXXX XXXX  voided my payment agreement. 

Next, in XX/XX/year>, I was sued by the law firm of Mullooly  Jeffrey Rooney & Flynn, on behalf of XXXX XXXX, for XXXX credit cards, in the amounts of {$13000.00} and {$11000.00}. 

After reaching the law firm, they agreed on a single settlement in the payment amounts of {$9200.00} and {$10000.00} respectively, for XXXX credit cards. 

But the question arises : Why was my original installment agreement with XXXX XXXX  voided? 

Why did the law firm not accept installment payments? 

Why did the law firm create my financial hardship? 

Why was their less than XXXX  days on the collection of my debt in the total amount of {$19000.00}, creating my financial hardship? 

Lastly, in XX/XX/year> I borrowed the funds and paid the debt of {$19000.00} and the law firm mailed me my settlement stipulation on the debt. 

Given the seriousness of this issue, I believe the Consumer Financial Protection Bureau ( CFPB ) has a crucial role in the American society. Thank you for your attention to this matter. In hindsight of the events, I look forward to your report. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. TXXXX XXXX XXXXXX/XX/year> - Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did a lot of complaint with wells fargo. And they told me they didnt refund XXXX $ but i got proof that they refunded my partial money out of XXXX $ in total. Please go through again. They are keep lying. 

STOP LYING Tell me why those money is refunded. But not the others. Tell me. You said u didnt refund any Money but u did. Why? Why u give me hope? Im working XXXX hrs a week. And its all gone because of international money laundering scammer Is wells fargo helping XXXX and XXXX  wnd XXXX  people? All those transactions are made in those countries. Under president XXXX these shouldnt be happening im gon na write it to 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed this falsely reported XXXX loan many times with Experian. They only ask the lender if the information is correct and immediately take their response at face value. They have reported the loan with XXXX XXXX XXXX as open, as active, as closed and back again. I have repeatedly informed them of the VIN number of the vehicle being in someone else 's name for the past XXXX  years. XXXX did investigate the account and removed it. Experian wants to sell me their XXXX tool for {$250.00} per year that gives me the ability to monitor my accounts and for lack of better words be taken more seriously. They gave me listed as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others and refuse to remove the names I have never gone by. They report me as retired and will not recognize that I am employed and have been for over XXXX  years. They show addresses that they refer are addresses I have given to creditors that were false. The truth if they would allow me to dispute is there are addresses on the list that either were work addresses or mailing addresses but they infer that I use them as physical addresses which is untrue. They have locked me out of being able to dispute anything online anymore because of complaining on them. Yet if I pay them XXXX a year I can do that. I feel they only want to get money from those of us that have problems with their credit report and if we don't pay they don't put any effort into correcting errors. This credit bureau alone has caused me to be denied loans, credit cards etc because as some of the lenders report to me they feel I am giving them false information due to the Experian report. XXXX mailing address in particular which was a XXXX mailbox that I used when my physical address mailbox was being replaced, they said that I was using the address of a XXXX  business falsely as my address. The company they refer to is the address of a XXXX XXXX and the XXXX  business had used my box before I got it. This is how careless and vengeful this reporting agency is UNLESS I want to pay them {$250.00} per year. I am asking that they be forced into following the lead of XXXX and remove the XXXX XXXX account and the false names and addresses that they have alleged are mine and allow me to dispute online like the rest of the country. They should be fined and have to pay damages to people like me

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 2025-03-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: WI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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. 

These are the accounts that I have marked as inaccurate. 
Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account ( Bank of America Checking Business Account ) got blocked and called the bank and found out that around {$16000.00} was bill payment to some credit cards at XXXX  XXXX. I told them that i didn't authorize those transactions, they told me that were authorized from one of my device. I asked them which device or to provide the XXXX Address and they wouldn't want to do that. After that, another 6 transactions towards the same credit cards to XXXX  XXXX were in pending but i saw them and i called them and told them to cancelled them. I went to XXXX XXXX and ask a paper to prove Bank of America that those are not my accounts. 
this was happened in XXXX-XX/XX/2024. 
i did a police report in XX/XX/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 2025-03-11 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: IN

Complaint narrative:
Disputed inquiries on my credit report and was not givin information on why it wasnt removed

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 2025-03-11 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-11 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I recently received a copy of my consumer report, and I noticed some late payments posted on my report that are inaccurate this is not my first time trying to fix this with your company and yet you all are still reporting this inaccurate information on my consumer reportwith recent news of your company not properly investigating like you are required by law Im hurt to hear that so I come to you all again to make things right and properly and accurately reinvestigate and update to PAID AS AGREED NEVER LATE. 

I HAVE NEVER BEEN LATE ON THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please REMOVE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. update to PAID AS AGREED NEVER LATE.Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN G
ENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Please update to PAID AS AGREED NEVER LATE on the above late payments from my consumer report, your company clearly is in violation of 15 USC 1681 Failure to respond satisfactorly with PAID AS AGREED NEVER LATE of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company like I said this isnt the first time trying fix this problem with your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud

Company response to consumer: Closed with non-monetary relief