vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXXection 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone stole my XXXX  and got access so on my accounts they drained and ran up my credit cards and debit cards. Change passwords to all my emails tried to take out grants and loans making purchases under my name and opening up accounts, like bitcoin using my social they took everything out of my daughters savings account and I do know the name of the person doing this. I dont know shes doing it exactly it just know that she was the one that had my computer and returned it to me thinking that she was doing it as the kindness of her heart in reality she had hers copied everything or transferred to her phone

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 2025-01-11 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake portfolio took over payment for us auto sales in XXXX  and add XXXX XXXX more to my car note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my 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 non-monetary relief
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Late/Open Inquiry in Dispute : XXXX XXXX XX/XX/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 2025-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Last year Chase has mismanaged my CD ( the CD was reopened after the maturing date against my will and I didn't have access to my funds ), then I complained about it to XXXX  and CFPB. 

After that incident Chase retaliated against me by ignoring all my phone calls and eventually closing all my accounts. 

Now I am being told that I can't access any of my Chase accounts, and all my funds are stuck for a total of at least 17 days before they will send a check out to me. 

Since Chase was my primary banking account, I now have hardship to pay my daily bills since I have no account or funds for 17 days. 

I asked Chase for help or explanation, but they refuse to give me any information. 

This is the fundamental issue that the US is facing at the moment. We allow cooperations like Chase to do whatever they want without any regard for consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
In viewing my XXXX, XXXX and XXXX reports there is a company called XXXX Account XXXX XXXX attempting to collect on a debt for XXXX XXXX communications attached to an address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX that Ive never lived at. This is not my debt. I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have lived there for the past 10 years or more

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I files a fraud complain and CHASE bank denied, I recently got a copy of the police report which I will attach to this form, I'm requesting for CHASE to at least check the ATM camera, that will prove XXXX I was not the one that withdrew the money, I have pictures from my home camera that I was home at the time of fraud. i don't even drive, so what I was telling CHASe is how can I be in XXXX XXXX XXXX when I live in XXXX please help me. i know lots only {$4700.00} but its all I have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NY

Complaint narrative:
I have a XXXX XXXX XXXXXXXX Credit Card. They state I was late paying the account in XXXX. Ive checked and my account has been paid every month on time. Ive disputed it with them.silence. This is 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXXXXXX  I need you to attend following shown items in this letter which contains data taken directly from my credit report which you have provided Equifax 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  Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 15 U.S.C. 1681 ET SEQ.Section 604 of Fair Credit Reporting Act. 

Once you have fulfilled my request, mail me and updated credit report reflecting these changes.Im

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Department, I am writing to formally request the immediate deletion of a XXXX repossession account, which I previously disputed, from my credit report. The disputed account, which was deleted from my XXXX secondary credit report following their investigation completed on XX/XX/year>, is now considered unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy and completeness of all information reported. Since XXXX has deleted this account entirely from my report, I must emphasize that this action serves as confirmation that the account is unverifiable. Therefore, it is now your duty to follow suit and remove the account from my credit file immediately. 

As per FCRA 609 and 611, consumers have the right to dispute any inaccurate or unverifiable information on their credit reports. If the account can not be verified or confirmed with evidence in compliance with these laws, it must be deleted promptly. I am requesting that you conduct your investigation and remove this unverifiable account from my credit report within 30 days of receipt of this letter. 

Additionally, FCRA 616 and 617 provide me the right to pursue legal action against any credit reporting agency that fails to comply with its obligations under the law. If this account is not removed within 30 days, I will have grounds to seek legal remedies, including suing for damages for failing to ensure accurate reporting. 

I have included a copy of my XXXX credit report confirming the deletion of this account for your reference. Please confirm in writing once this account has been removed from my credit file, or provide me with any evidence you have used to verify this accounts validity. 

Failure to address this matter promptly will leave me with no choice but to escalate my concerns with the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal options. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX. XXXX XX/XX/year> XXXX I am requesting a current copy of my credit report and that you remove any and all freezes or Fraud Alerts on my report.

Under the FCRA I am allowed to get a free copy of my credit report every seven days. 


Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome.

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX. XXXX XX/XX/year> XXXX I am requesting a current copy of my credit report and that you remove any and all freezes or Fraud Alerts on my report.

Under the FCRA I am allowed to get a free copy of my credit report every seven days.

Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome.

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



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 non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX never honored my request I never opened account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX charge-off account in the amount of {$340.00} from my credit report. This account, which I disputed, was deleted from my XXXX credit report following the completion of their investigation on XX/XX/year>. XXXX deletion of the account confirms that it is unverifiable and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure the accuracy and completeness of all information they report. As XXXX has completely deleted this account, you are now obligated to remove the same account from my credit file to maintain compliance with federal consumer protection laws. 

In addition, the FCRA requires that credit reporting agencies remove any information that can not be verified. Under FCRA 609 and 611, if an account is found to be unverifiable or lacks sufficient evidence, it must be deleted immediately. I request that your agency conduct an investigation and remove this account from my credit report within 30 days from the date of receipt of this letter. 

Should you fail to comply with this request, FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. If the account is not removed within 30 days, I may pursue legal remedies, including suing for damages for failure to uphold your obligations under the law. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed from my credit file, or provide documentation proving its accuracy and validity. 

Failure to act promptly will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-11 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: AZ

Complaint narrative:
I have been checking my credit for the last couple of months. It seems that my credit is only going down. I would say it is me, but my wife has the same info on her credit and hers keeps going up. I also have noticed no update for XXXX is happening. When I try to use Experian boost I have the following problem : it connects to my bank, credit card and savings. Then it says it's taking too long and stops. When I go to the dashboard it shows all 3 accounts connected but no bills. I know I have bills that count because my wife uses those same 3 accounts and they appear on her dashboard and raised her credit. I have waited for weeks for boost to find the account but it always tells me the same thing. Disconnect and reconnect the accounts this does not work. I have tried on many occasions. When I go to the help center there are no subjects on actual help for any of the problems I have. The information is generic and refers you to customer service. When I call customer service, the prompts only have the same information as the help center. So, the natural path is to ask for a representative. The automated system, no matter what you push, tells you you can not speak to someone, go to the help center and hangs up. I don't know what kind of game this company is playing at. If you are one of only 3 companies that people are forced to use, you should be more helpful. Shame on you.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was notified by the credit bureaus that there is

a new account with CHASE on my profile. I can not get through to Chase because I have no credit card or account number. I have no way to proceed with an inquiry if Chase does not recognize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
( XXXX XXXX XXXX XXXX XXXX has a late payment, XXXX XXXX HAS a late fee and XXXX XXXX XXXX and I set them the laws 15 U.S CODE 1681 ( 2XI ) A creditor can not treat a payment on a credit card account under an open and consumer credit plans late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed ..15US1666B ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed not later the 21 days before the payment

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 2025-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
( XXXX XXXX XXXX XXXX XXXX has a late payment, XXXX XXXX HAS a late fee and XXXX XXXX XXXX and I set them the laws 15 U.S CODE 1681 ( 2XI ) A creditor can not treat a payment on a credit card account under an open and consumer credit plans late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed ..15US1666B ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed not later the 21 days before the payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I sent an affidavit to Experian, XXXX, and XXXX concerning late payments. My letter was certified, notarized and I attached pictures of my ID, and social security and they refuse to investigate.

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