vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : ** XXXXXXXX XXXX account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud. 

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion. 



I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties. 



I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report. 



Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



Sincerely, XXXX XXXX XXXX attachment Scanned by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to provide the information I requested under 611 ) a ) ( 7 ) B ) ( iii ).

I disputed account XXXX XXXX XXXXXXXX I never gave permission for this account to appear on my consumer report therefore I demand deletion because my privacy rights are being violated by experian. 
I disputed this account on my consumer report in violation of Gramm Leach Billey Act 6801, 6802 and the Fair Credit Reporting Act 604 ( a ) ( 2 ). When my dispute was verified I requested the procedures that were used that led to this account to be verified along with the name ( s ) of the persons address and telephone number ( s ) within 15 days as required under FCRA 611 ( a ) ( 7 ) ( B ) ( iii ). 
Experian sent me NOTHING!!! 
Experian is in violation of this law and that makes me privy to monetary relief! 
I demand again the information requested and that experian delete account immediately.

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 2025-01-02 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: MS

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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTWO COLLECTIONS ACCOUNTS XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the reported accounts, collections, or hard inquiries. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX ) as proof from the US 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 2025-01-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went into XXXX in XXXX  to use XXXX XXXX to pay a bill. I created the ticket then went to the register to pay. I swiped my card a couple of times to pay but kept getting declined. I then received a text from USAA to confirm the purchase. Before I could confirm the purchase the cashier voided the transaction. But as soon as she did that I confirmed with USAA that the purchase was correct. USAA sends the money immediately from my bank account to a voided transaction. I disputed this transaction with USAA to fix the issue. They sent me a credit after waiting 10 days then on XX/XX/XXXXXXXX  they reversed the credit and took XXXX from my account after finding that the purchase was " Approved ''. The money sent to XXXX never went to any transaction and I have been told this by the store manager and the district manager of XXXX. It's been almost 4 months and I have not yet received a refund from USAA or XXXX. I've talked to multiple people from each business with no one to actually help me. The USAA dispute department hasn't done any investigating into XXXX besides look at bank statements. I finally got ahold of someone in the department where they wanted proof of refund from XXXX. I never got a refund from XXXX. I have proof of 2 voided transactions from XXXX on XX/XX/XXXX. Also a email and multiple phone calls to XXXX XXXX asking if they have the money using the tracking number. Called XXXX XXXX which is where the money was going to. They have zero record of the money sent to them. I feel that USAA is doing nothing to help mein my situation at all when they were the ones that immediately sent the money over.

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 monetary relief
Consumer complaint received 2025-01-02 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: AZ

Complaint narrative:
I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account is late. If you can't provide me with this information in 15 days, update the account to PAID/NEVER late and send me a copy of my updated credit report.

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 2025-01-02 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: FL

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number, as well as documentation that proves this account is late. If you can't provide me with this information in 15 days, update the account to PAID/NEVER late and send me a copy of my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
From XXXXXXXX  i was XXXX  in the XXXX XXXX XXXX XXXX I have documents to prove I was. A person at my apartment with me on XXXX she took a old iphone that should have been reset and logged out but was somehow still connected to my current phone. So while i was in XXXX  this person without my authorization or approval fraudulently transferred money from my chime account to another chime member. I e never met the person the money was transferred to. They are not in my contacts and we have no previous transactions. I never semt anybody through my chime account. There were 4 transactions between XXXX - XX/XX/year> for a total of {$800.00}. I was in XXXX  and I never have and never will give someone authorization to do anything with my account. I am single and my money is mine nobody else. I did file a police report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: SC

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Subject : Complaint Against Upgrade , Inc. Unprofessional Conduct and Lack of Assistance with Loan Repayment Plan Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Upgrade , Inc. regarding my personal loan account. I have encountered several issues with their customer service and their unwillingness to provide the necessary assistance during a time of financial hardship.

I took out a personal loan with Upgrade on XX/XX/year>, and initially set up autopay to ensure timely payments. However, due to unforeseen financial difficulties, I reached out to Upgrades customer service team to seek assistance in restructuring my payments or exploring a hardship program. Unfortunately, my experience with their representative was both unhelpful and unprofessional. 

During my call, the agent I spoke with made a disparaging remark, referring to people like me, which I found highly inappropriate and demeaning. Instead of providing the support I needed, I was left feeling judged and dismissed. This interaction added to my frustration during an already challenging time. 

As of now, I am past due on my loan by {$1600.00}. While I have been making partial payments whenever possible, I am unable to pay the full amount due. Despite my efforts to address this matter responsibly, I have not been offered any solutions or options to manage my loan more effectively. 

I understand the obligations outlined in my loan agreement, and I am fully committed to repaying my debt. However, I believe Upgrade has failed to fulfill its duty to provide reasonable assistance to borrowers in financial distress. Their lack of support, combined with the unprofessional conduct of their representative, has left me feeling unsupported and unfairly treated.

I am seeking your assistance in addressing the following concerns : Investigating Upgrades customer service practices and their treatment of borrowers experiencing financial hardship.

Ensuring Upgrade provides clear and accessible options for borrowers who require payment restructuring or hardship assistance.

Holding Upgrade accountable for the unprofessional conduct of their representative. 


Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
We were sent an email about our account being closed due to " History of poor credit performance with Chase Total balance on credit card account ( s ) with us '', which makes no sense. Our credit limit was previously {$31000.00} and was adjusted to a limit that was close to the balance on the account. I spoke with a representative and explained that I had been in an accident a year ago and stopped working for the first six months of 2024. She explained to me that it was due to us having two late payments on the account. I find that to be a very distasteful practice when they essentially took the limit we had that offset the balance/limit ratio. There is another number I can call, but it says they will reconsider and it will result in a hard inquiry ; another distasteful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: NJ

Complaint narrative:
I am writing to formally dispute unauthorized accounts, hard inquires and activities on my credit report resulting from identity theft. I believe this theft occurred due to my victimization in a serious crime, specifically being targeted by a XXXX XXXX  ring, during which my personal information was compromised. 

The fraudulent activity includes the following accounts listed below, transactions, or inquiries you have identified as unauthorized, e.g., a credit card opened with XXXX  XXXX XXXX on dates listed below These accounts and activities were not authorized by me, and I did not consent to their use or creation. 
Inquires Items that are inaccurate or false XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX XXXX inquired on XX/XX/XXXX XXXX. ) XXXX  XXXX Inquired on XX/XX/XXXX Accounts Items are inaccurate of false. 
XXXX. XXXX XXXX Account Number XXXX. ) XXXX XXXX Account Number XXXX XXXX. ) XXXX XXXX  -Account Number XXXX XXXX. ) XXXX XXXX XXXX-Account Number XXXX XXXX. ) XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX. ) XXXX  XXXX XXXX Account Number XXXX Personal Information Items are inaccurate or false, defamation of character. 

This has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THR FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLIANT. TO INCLUDE TO METRO & REPORTING STANDARDS. 

Please remove these items immediately

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 2025-01-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
They over charged me for the interest rates I took out a {$300.00} loan and all of a sudden I owe over {$5000.00}. My information has been reported to other loan comp without my consent and has ruined my credit

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 2025-01-02 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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
All necessary documents were submitted on the first attempt, and TransUnion is falsely claiming ( lying ) that they have not received them.

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