vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
After reviewing my credit report. I discovered 10 inquiries that i don't recognize. They are on there without me initiating them. The inquiries are " 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 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/XXXX. As you can see for the most part they were opened in the same amount of time in some sort of spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MO

Complaint narrative:
On XX/XX/year>, I disputed inaccurate information that's on my credit report with EXPERIAN only to get results from them stating the accounts were verified and updated as accurate.I have requested for EXPERIAN, to remove the inaccurate accounts frm my credit report permanently, as it is causing harm to my credit, and I can't provide for my household.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAS Debt Recovery, Inc.
State: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE ACCOUNTS THAT BEEN PLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law XXXX, XXXX Stat. XXXX ( XXXX XXXX, 1996 ) TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] XXXX. Validation of debts [ XXXX XXXX XXXX ] ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the XXXX day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
someone stole my personal information i was victim of identity theft internalrevenue code 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 2025-02-10 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-10 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. **Account Name : XXXX XXXX XXXX XXXXDate : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report XXXX the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to the XXXX XXXX XXXX XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are suppose to nor 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.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app locked my account out of nowhere and will not allow me to transfer my moneybfrom my cash app account to my linked bank account. They will not give me an explanation and will not speak to me about it at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information as clearly seen and marked on my credit report. As per Section XXXX of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C $ XXXX ), and Section XXXX ( XXXX U.S.C XXXX ). I am requesting the immediate removal of this erroneous information as it is incorrect and does not belong on my credit profile. 


The inaccurate item ( s ) in question are as follows : XXXX XXXX Holdings : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian Credit Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This information is incorrect and must be removed immediately as per my rights under the FCRA. Please conduct an urgent review and delete these items from my credit report. I have attached supporting documentation for your reference. 


Please provide written confirmation once this information has been corrected. I appreciate your prompt attention to this matter and expect a response within the legally required timeframe of XXXX hrs.

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 2025-02-10 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information as clearly seen and marked on my credit report. As per Section XXXX of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C $ XXXX ), and Section XXXX ( XXXX U.S.C XXXX ). I am requesting the immediate removal of this erroneous information as it is incorrect and does not belong on my credit profile. 


The inaccurate item ( s ) in question are as follows : XXXX Intermediate Holdings : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Credit Reporting Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX This information is incorrect and must be removed immediately as per my rights under the FCRA. Please conduct an urgent review and delete these items from my credit report. I have attached supporting documentation for your reference. 


Please provide written confirmation once this information has been corrected. I appreciate your prompt attention to this matter and expect a response within the legally required timeframe of XXXX hrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute inaccurate information as clearly seen and marked on my credit report. As per Section XXXX of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C $ XXXX ), and Section XXXX ( XXXX U.S.C XXXX ). I am requesting the immediate removal of this erroneous information as it is incorrect and does not belong on my credit profile. 


The inaccurate item ( XXXX ) in question are as follows : TransUnion XXXX Holdings : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Credit Reporting Agency XXXX XXXXXXXX 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/XXXX This information is incorrect and must be removed immediately as per my rights under the FCRA. Please conduct an urgent review and delete these items from my credit report. I have attached supporting documentation for your reference. 


Please provide written confirmation once this information has been corrected. I appreciate your prompt attention to this matter and expect a response within the legally required timeframe of XXXX hrs.

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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX XXXX XXXX from XXXX using my ChaseBank Freedom flex credit card. Unfortunately, the services provided by XXXX were unacceptable, and unprofessional given that I have purchased their express services, their response time was very slow and given the situation, we will not be able to use the XXXX  on time for our wedding in the XXXX. I ordered the XXXX on XX/XX/XXXX and expected it to be delivered to us after 2-3 weeks but 2 weeks went by and we are still on step 1 of the process. As a consumer, this is frustrating and this is not the services they have promised especially they offered and we paid for express services. 

Chase Bank denied my dispute for the reason that I agreed on the Non refundable policy by XXXX. Despite the merchant 's policy stating that the item is non-refundable after 3 days of purchasing it, I believe that the circumstances of this case justify an exception. Please note that I have never received any product from the merchant. No veneers were made, produced, and delivered. I do not think it is fair for me to pay for something that I did not receive even if I purchased a non refundable item. The product was purchased on XX/XX/XXXX, for {$600.00} and I paid {$50.00} for an express service. 

I have already sent a letter to ChaseBank to re-open my dispute case but I would like to ask your kind office to assist me on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I requested debt validation and proof of vehicle being sold and price of sale in auction, original contract/ purchase agreement and nothing has been provided. I sent request certified and no response to validate this charge off on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
XX/XX/year> Attempted to deposit check for homeowners insurance claim. The check, in the amount of XXXX, was made out to homeowners and Provident bank. We have no primary mortgage. Provident would only deposit into their bank then disbursed in 3 equal payments at their discretion and upon inspection of work completed with a {$65.00} inspection fee. 
I asked for documentation and was advised this is Provident Insurance dept policy. 
Our line of credit is for XXXX. Our HELOC balance was {$5500.00}. 
Correspondence between branch employees and myself included my request to only withhold the outstanding balance. 
I was denied. They also said my line of credit would be frozen. 
We finally negotiated to withhold the {$5500.00}, and freeze line of credit. 
I deposited the check XXXX. 
I checked my account. The deposit was not entered. 
The bank deposited the check in another account and had a teller make a new deposit slip for half the amount. 
This was not we agreed upon. 
I paid off the {$5500.00} balance in full then went to the office and demanded the remaining balance be deposited. 
The balance was deposited. 
Provident still froze my line of credit and still insisting the work be inspected, with a fee, before releasing hold. 
This bank has no stake in my home for the amount I owed on the HELOC. The home is valued close to XXXX. I am debt free. HELOC was just a money management tool. 
I printed out their HELOC policy off their website. It clearly states they can only freeze or reduce the credit line if the value of the home declines " significantly '', or the lender " reasonably believes '' that you are unable to make payments due to a material change in you financial circumstances. 
There is no evidence of either being my current state. 
I owe them nothing. I don't have a mortgage, I don't have a history of default, my home value is not valued at less than the line of credit or the outstanding balance. 
I refuse to pay an inspection fee. 
This was a blatant attempt to confiscate funds illegally under the HELOC and extort fees. These are predatory practices. The reason Provident merged with Lakeland bank was to allow more diverse customer base and empower minorities with lending options. These actions proves they have predatory practices, and withholds funds needed for living and home expenses during a time of crises. Provident committed a worse offense then Lakeland.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: DE

Complaint narrative:
This is not my debt. 
{$700.00} balance. 
Jefferson Capitol System LLC. 
I have called and spoke directly to Jefferson and requested original copies of this debt and was not sent it. 
Ive tried to dispute it on multiple dates : XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation