vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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.

Complaint narrative:
On XX/XX/XXXX, I was doing my XXXX XXXX  by fueling my XXXX XXXX at XXXX XXXX XXXX in XXXX, PA using my XXXX XXXX XXXX XXXX The truck broke down and I needed a boost. I called on the services of XXXX XXXX XXXX  for a boost. After the tow truck driver boosted my XXXX truck, I gave the tow truck driver my Chase Debit Card to authorize the charge of {$180.00} and while that was going on, I had to stay with my XXXX  truck to rev the engine to prevent it from breaking down again. The tow truck driver gave me my receipt from his card machine and I left at XXXX for XXXX as my XXXX  truck was being exported to XXXX XXXX I checked my account later and noticed a charge of {$77.00} at XXXX but I did not buy anything for {$77.00} at XXXX. I called Chase Bank and they told me my card was used at a XXXX XXXX XXXX XXXXXXXX for fuel and the transaction was completed at XXXX in which I told Chase Bank that I left at XXXX. Chase Bank said I should report the transaction as fraud and a new bank card would need to be issued. On XX/XX/XXXX, I called XXXX XXXX XXXX and reported my Chase Card was used for an unauthorized transaction at their fuel pump. XXXX XXXX XXXX investigated my claim and told me that the tow truck driver after taking my Chase Debit Card, used it at the pump to get fuel and then went inside his truck to get a card machine. XXXX XXXX XXXX gave me a case number by email. I called Chase Bank 's fraud department and reported the transaction of {$77.00} and told Chase Bank that I only authorized a transaction of {$180.00} was the XXXXXXXX XXXX XXXX  not {$77.00} for fuel at XXXX. Chase Bank took down my report and cancelled my Debit Card and issued a new Debit Card. On XX/XX/XXXX, I uploaded the email from XXXX with the case number. On XX/XX/XXXX, Chase Bank denied my claim and said no fraud was committed. I called Chase Bank and told them that I did not give authorization for {$77.00} only {$180.00} and I even asked how did the tow truck driver by pass putting in my PIN to allow the unauthorized transaction of {$77.00}? I have already provided Chase Bank the case number with XXXX XXXX XXXX and XXXX XXXX XXXX has documented the video evidence. I should not on the hook for a unauthorized transaction for {$77.00} at XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
Your companys inquiries are sitting on my credit report, lowering my score, and making things more stressful than they need to be.

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 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: AZ

Complaint narrative:
MOHELA is still reporting loans as Missouri XXXX XXXX which is causing my student loans to appear twice on my credit report, which is doubling my amount of student loans. This skews my debt to income ratio way too high.We are shopping for mortgage loans right now and the underwriters do not want to move forward until I can show documentation that this duplication is causing a credit report error. We can not access the preferred mortgage rates that we are qualified for because of this FALSE information falsely inflating my debt to income ratio. Meanwhile the interest rates fluctuate every day so being held up like this is literally costing us money on a mortgage loan terms. To get documentation I have tried to contact MOHELA. I called them. I had to wait XXXX mins to reach the phone tree. Finally I was told the wait time was XXXX hrs. No callback number was provided. I was told to call back during the time period that I was already calling. I stayed on hold for XXXX hrs before deciding that the XXXX hr hold was accurate. I then tried to email them but could only find an online email portal and no email address. I have not received any confirmation or updates from them. I have never missed a payment on my student loans. Why are they providing no service besides taking my money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: KEYCORP
State: NY

Complaint narrative:
A person called claiming to be from Key Bank stating I had applied for a credit card online. They said they were verifying and knew the last 4 of my SS #. This was a woman with a strong accent from XXXX or XXXX. The number was a local number and she gave a local Key Bank address. 
I did not apply for any CC at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the XXXX credit bureaus on yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act. 
Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the XXXX credit bureaus on yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act. 
Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
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 non-monetary relief
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: OH

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. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
In XXXX of XXXX  I had cancelled my car insurance and I was facing hardships at the time so it went to a collections agency on XX/XX/2021. I had settled with the creditor on an amount lesser than I owed. I have called the car insurance company and the debt collector and they both claim that the account is closed. However that is not what my credit report shows and it is negatively impacting my credit score. I have called the debt collector and explained that it shows a balance of {$0.00} dollars, but the account is showing open on my credit report. I have asked as a XXXX time forgiveness if they would mark it as paid in full as I had asked that when I originally settled the first time and it was not done. The creditor that I spoke to was very rude and would not do anything for me. This has been on my report inaccurately reflecting my score for quite some time now and now I am in a time crunch where I need my credit score as high as possible. Now I am struggling and I desperately need my information to be corrected/updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-22 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 recently checked my credit report and was shocked to find accounts that I do not recognize. I have never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened. These false accounts are creating an unfair representation of my financial history, and I will not allow this misinformation to remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
Review my credit report for inaccurate information and upon checking, Ive noticed numerous accounts thats not mine and incorrect social security activities. Ive sent all documentation over to each credit bureaus proving my identity and factual information that these accounts are not mine and should be removed. After numerous attempts working with credit bureaus and extending my own investigation with the consumers, Im still at a lost end that my social security number can be used by someone else and not be penalized. Each bureaus didnt properly investigate this manner and the refusal to remove is absurd. I sent ftc reports, ic3 reports, cfpd reports, valid social security number, copy of valid drivers license, proof of residency, etc. 
I would like for this manner be taken seriously and accounts removed. If this last chance of efforts are not fulfilled, I will take legal action against these companies. 

1. XXXX XXXXXXXX XXXX XXXX ( Auto- balance of {$12000.00} ). 
2. XXXX ( auto- balance of {$5400.00} ). 
3. XXXX bank ( credit card balance of {$2500.00} ). 
4. XXXX XXXX ( balance of {$4000.00} ). 
5. XXXXXXXX XXXX ( balance of {$4800.00} ). 
6. XXXX XXXX ( balance of {$860.00} ). 
7. XXXX XXXX XXXX XXXX ( balance of {$1400.00} ).

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 2025-02-21 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:
Review my credit report for inaccurate information and upon checking, Ive noticed numerous accounts thats not mine and incorrect social security activities. Ive sent all documentation over to each credit bureaus proving my identity and factual information that these accounts are not mine and should be removed. After numerous attempts working with credit bureaus and extending my own investigation with the consumers, Im still at a lost end that my social security number can be used by someone else and not be penalized. Each bureaus didnt properly investigate this manner and the refusal to remove is absurd. I sent ftc reports, ic3 reports, cfpd reports, valid social security number, copy of valid drivers license, proof of residency, etc. 
I would like for this manner be taken seriously and accounts removed. If this last chance of efforts are not fulfilled, I will take legal action against these companies. 

1. XXXX XXXXXXXX XXXX XXXX ( Auto- balance of {$12000.00} ). 
2. XXXX ( auto- balance of {$5400.00} ). 
3. XXXX bank ( credit card balance of {$2500.00} ). 
4. XXXX XXXX ( balance of {$4000.00} ). 
5. XXXXXXXX XXXX ( balance of {$4800.00} ). 
6. XXXX XXXX ( balance of {$860.00} ). 
7. XXXX XXXX XXXX XXXX ( balance of {$1400.00} ).

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the XXXX, XXXX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false XX/XX/XXXX under the account number XXXX balance XXXX $ This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXX of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with explanation