vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. The following account contains errors that I would like investigated and corrected : Creditor Name : XXXX XXXX XXXXXXXX XXXX  XXXX. Charge-off reporting incorrect dates 2. Incorrect balance after charge-off 3. Continuous charge-off reporting past original date 4. Account should no longer be reporting as charged-off The account in question was charged off in XX/XX/XXXX as indicated in the report, yet it continues to show monthly charge-offs throughout XXXX and XXXX. This is incorrect and negatively impacts my credit score. According to the Fair Credit Reporting Act ( FCRA ), an account should not be repeatedly reported as a fresh charge-off each month after the initial charge-off date. 

Additionally, the account still lists an outstanding balance of {$610.00}, which may not be accurate if the debt was sold or transferred to a collections agency. If the balance was paid or settled, or if the debt was sold, the balance should reflect {$0.00} under the original creditor.

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 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
To Whom it May Concern : In mid-to-late XXXX, I had an account with XXXX cable service. I decided to cancel their service and returned all equipment per their instructions. I didn't receive any calls, texts, or emails stating I had a balance. The only email I did receive was a confirmation that my account was cancelled and no further charges would be made. 

Almost a year later in XX/XX/XXXX, I checked my credit report and noticed a collection from Eastern Account Systems and it listed XXXX as the original creditor. Because of the initial reporting of the erroneous collection on my credit report, my scores were severely impacted, causing me to be denied credit. 

Confused by this, I contacted EAS to inquire. Even though I returned all equipment and was not advised by Frontier that I owed anything, I decided to just pay the collection with the understanding that it would be removed from my credit report and I could recoup some of the credit score points I had lost. 

Needless to say, nearly 5 months have passed and it remains on my credit report. I find this completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CT

Complaint narrative:
Equifax Data Breach I have closed that need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
On Thursday night XX/XX/XXXX, we received a text message stating that someone had tried to use our checking account for over XXXX dollars and to call a number so that we could make sure we were not being scammed and keep our account safe. We called the number, which happens to be a Chime number ( who we bank with ) and were prompted through several steps on my account by the gentleman on the other end. The gentleman told us that XXXX charges had tried to come out of our account but there was not money in the account yet so they were not able to take the money. My paycheck hit the account around XXXX. He then had us walk through freezing my debit and credit card and moving all of my money into my checking account. He then told us we needed to go to the pay portal and that he would send us a text message with a link and a name, to which he claimed was the dispute supervisor, and to click on the name and process the transaction and when that was done, we would still see the money and this would help us remain safe from scams. In doing this, the payment processed, and drained us of the XXXX $ in the account at which point the gentleman on the other end hung up the phone. He had also given us a fake phone number, at which time we did not realize was real. This is when we realized we had just had all of our money taken. We immediately called Chime to let them know what had happened, and filed a dispute. Within XXXX hours Chime denied the dispute and told us we would not receive our money back but did not and has not given us a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LEXISNEXIS
State: PA

Complaint narrative:
I require all claims on the credit report to be authenticated and identified by competent firsthand material fact witness per title 225 Pa code 901 and 802 hearsay is inadmissible. Prove all debts on report Pa code 9210 in its entirety Pa code 4009.1.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had questions about interest charge on my XXXX XXXX credit card for the month of XX/XX/XXXX thru XX/XX/XXXX. I called the service line and spoke to a representative first. Based on my monthly statements, I made payment for partial of previous balance due and interest was not assessed based on unpaid balance amount. She could not provide me a clear explanation and just stated that's how the system works. I requested to speak to next level person and was transferred to a billing accountant. She told me that the whole balance due is subject to interest regardless of any partial payment is paid timely. I told her the way interest charged doesn't make sense and Capital XXXX is absolutely wrong to over collect interest unfairly from their customers! She said that XXXX XXXX will do nothing to correct that. She also stated that no next level of person I can speak to escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Received a call from XXXX ext XXXX representative for XXXX & XXXX XXXX XXXX XXXX XXXX XXXX CA saying that I am being taken to civil court for a dept that the company XXXX is collecting for over {$1200.00}. The number they called from was XXXX. He provided XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I submitted an Income Driven Repayment Plan request to switch plans from XXXX to XXXX to begin payments immediately. I submitted this form via XXXX on XX/XX/XXXX. The status has listed " Your loan servicer has received your application. They'll start reviewing it, including any documentation of income provided, and will notify you once their review is completed. '' Based on XXXX XXXX timelines and communications ( eg email sent XX/XX/XXXX ), I should have been placed into a processing forbearance after XXXX  days if they were not able to process within this timeframe, with XXXX of these days counting toward XXXX. It has now been XXXX days and NO action has been taken. I have tried calling Mohela multiple times with wait times XXXX hours. I have chosen the option to receive a callback twice and never received a call. I am currently sitting on hold ( has been XXXX hours ) with uncertainty about whether I will be able to speak with a Mohela representative. 

I feel that being immediately switched into the XXXX plan which I requested and qualify for as well as receiving XXXX credit ( administrative forebearance ) for XX/XX/XXXX and XX/XX/XXXX would be the only fair outcome in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MO

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding XXXX failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : Employers : SOUTHWEST Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I opened my XXXX XXXX account in XX/XX/XXXX and at that time submitted multiple pieces of ID : Canadian passport, XXXX XXXX XXXX XXXX XXXX, proof of address, drivers license, phone, email address. 
I used it pay my XXXX XXXX XXXX based graduate student loan every month by transferring money from my XXXX XXXX account to the XXXX XXXX XXXX account from which XXXX XXXX would automatically withdraw. 
Recently XX/XX/XXXX I realized that I could no longer sign into my XXXX XXXX account. I could not recover my username or password. 
Afternoon of XX/XX/XXXX I contacted XXXX XXXX customer service to inquire on my account and what has happened to my funds - based on my last statement I should have XXXX $ USD in the chequing account. 
Customer service could not locate my account. Then they changed the story and said they could not " verify '' my account. The customer service representative and manager refused to verify my account using any of the above mentioned forms of ID, nor would they use my XXXX XXXX XXXX Card account number to verify my account. They refused to even use my US tax id, email or SMS secure number to verify my account, stating that I had already " failed '' verification by not being able to provide my verbal passcode ( which I never had used in the past - I should NOT have one on the account ). They refused to let me speak to the fraud team about what has happened to my funds. 
I explained that I am able to provide ALL the same ID details as I did in XXXX and why would they request all this ID in XXXX to now refuse to use it to verify my identity now. The manager simply said " well things change ''. They want me to pay out of pocket for a XXXX notary to independently verify my identity and then submit documents to XXXX XXXX. They refuse to cover the cost of the notary. They refuse to discuss whether or not my account has been compromised or what triggered the blocking of my access to sign into my account or verify my funds. I explained that it was ridiculous that I as a customer would have to pay out of pocket for a notary when it's obvious that XXXX XXXX has misappropriated my account. I am very concerned that they have stolen my money and otherwise closed the account. 
I did not receive ANY notice of anything that may have affected my access to my account. I never received ANY communication from XXXX XXXX that new ID materials would be required. My XXXX XXXX debit card is not even expired, but they refuse to accept the debit card account information to verify my ID.

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 2025-02-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMCB CARD has an inquiry that I didn't do and would like it to be removed. 


RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made by JPMCB CARD. I contacted, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: VA

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 explanation
Consumer complaint received 2025-02-04 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX account from Unknown with account # XXXX and a balance of {$570.00}. The original creditor is Unknown. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from FLAGSHIP CREDIT ACCEPTANCE on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.

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 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
I pay 2 weeks ago the amount they told me to pay for my debt from XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

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 response to consumer: Closed with explanation