vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX I contacted my Chase Bank to inquire about a targeted XXXX XXXX scam that I almost fell victim to. They informed me that on XX/XX/XXXX they had made a business banking decision to close my checking account on XX/XX/year>. They said they would provide explanation in a letter but in fact they never sent a letter. In addition they also closed both of my credit cards. I had been a chase customer for over 15 years. They did not give me any reason why they closed my accounts. When I continued to press for information their response was they reserve the right to close any account for any reason without explanation or notice. I am deeply troubled by this. First, Im sure itll affect my credit score. Secondly, one of the Chase cards was my Amazon XXXX Visa card that used for my XXXX purchases. Im very annoyed by the lack of information provided by the bank. I feel that I deserve an explanation. And that my accounts be re-open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-01-08 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has allowed credit inquiries to be updated and reported on my account that I do not recognize. In addition to having to reporting the inaccurate information on my credit report. My credit score has been tarnished. I am unable to apply for any credit cards. I dont have any credit resources. I have provided documentation proving the accurate dates and statements. To no avail I am still being denied the right to have a correct report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Experians Sham Investigation into Incorrect Credit Report Information To Whom It May Concern : I am writing to formally express my deep concern and dissatisfaction regarding Experians failure to address inaccuracies on my credit report and their repeated sham investigations into the matter, as referenced in the recent CFPB lawsuit against them.

Specifically, I have disputed a 30-day late p
ayment reported by Apple Card Goldman Sachs for XXXX XXXX on multiple occasions. This dispute has been escalated several times through the CFPBs complaint platform, with my most recent complaint (
Complaint ID # XXXX ) being closed without resolution or the correction of the error on my credit
report.

My previous complaint was thorough and included detailed supporting documentation demonstrating that the reported information is incorrect. Additionally, I cited the
specific code violated by Goldman Sachs, 12 CFR 1026.13 - Billing Error Resolution, which mandates : 1. Creditors may not take collection action or attempt to
collect disputed amounts until the issue is resolved.

2. Adverse credit reporting regarding the disputed amount is strictly prohibited.

3. Creditors may not accelerate debt or restrict an account based on the consumers good faith exercise of rights under the regulation.

Despite this, XXXX has continued to report inaccurate information, thereby allowing Goldman Sachs to violate the protections outlined in the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1026.13.

I am now deeply concerned that XXXX has conducted sham investigations, as alleged in your recent lawsuit, by failing to adequately review the disputes or address the underlying violations. This ongoing inaccuracy has had significant consequences on my credit standing, potentially threatening my access to credit, housing, and employment opportunities.

I urge the CFPB to thoroughly investigate XXXX handling of this matter and ensure that my dispute is properly reviewed and resolved in compliance with federal law. This includes requiring XXXX to correct the erroneous late payment reported by Apple Card Goldman Sachs and ensuring such practices are prevented in the future.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian sent out a letter stating they can do anything when Ive sent my ID SOCIAL SOCIAL CARD AND BILLS OVER XXXX times they keep playing games like its a joke.I want to sue

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Over Inaccurate and Unverifiable Credit Reporting I am filing this complaint to address inaccuracies and procedural violations in my credit report regarding XXXX accounts : 1. XXXX XXXXXXXX XXXX : This account is reported as having a XXXX late payment, which I believe is inaccurate. No sufficient evidence or validation has been provided to prove the legitimacy of this late payment. 
2. XXXX ( XXXX XXXX ) : This account is listed as a charge-off, but there are discrepancies in the balances, account statuses, and dates reported across credit bureaus. Additionally, I have not received proper validation from XXXX to substantiate their reporting. 

I have disputed these accounts with the credit bureaus and the original creditors. However, I have not received proper documentation or resolution as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key issues include : Failure to verify and validate the accuracy of the reported information. 
Discrepancies in reporting across credit bureaus. 
Lack of proper notification of negative reporting by the creditors. 
Procedural failures by the credit bureaus to adequately investigate my disputes. 

I am requesting that these accounts be removed from 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 non-monetary relief
Consumer complaint received 2025-01-08 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: MA

Complaint narrative:
Over Inaccurate and Unverifiable Credit Reporting I am filing this complaint to address inaccuracies and procedural violations in my credit report regarding XXXX accounts : 1. XXXX XXXXXXXX XXXX : This account is reported as having a XXXX late payment, which I believe is inaccurate. No sufficient evidence or validation has been provided to prove the legitimacy of this late payment. 
2. XXXX ( XXXXXXXX XXXX XXXX : This account is listed as a charge-off, but there are discrepancies in the balances, account statuses, and dates reported across credit bureaus. Additionally, I have not received proper validation from XXXX to substantiate their reporting. 

I have disputed these accounts with the credit bureaus and the original creditors. However, I have not received proper documentation or resolution as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key issues include : Failure to verify and validate the accuracy of the reported information. 
Discrepancies in reporting across credit bureaus. 
Lack of proper notification of negative reporting by the creditors. 
Procedural failures by the credit bureaus to adequately investigate my disputes. 

I am requesting that these accounts be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I noticed that I was a victim of identity theft, I immediately went to the authorities & made a complaint ( police report ), as well filled out an FTC report as well ( notarized ). I alerted the Bureaus as well as the unauthorized creditors of the findings. Unfortunately I had to escalate my dispute to exercise my rights to clear my profile of fraudulent activity found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I am on the XXXX program. My loans are managed by mohela. My XXXX account was managed by Mohela until XXXX of XXXX. I made payments up to XX/XX/year>. At that time my account was placed in an administrative forbearance against my approval. I contacted mohela several times through email and phone to ask to have the forbearance removed. I was assured by mohela the months of XXXX & XXXX would count as they are a mandatory processing forbearance. These months are still showing as ineligible. 

In XXXX, the XXXX court case continued the forbearance on my account. I continued checking and calling asking to be taken off of the forbearance as I was so close to XXXX and wanted to make payments. 

In XXXX I applied for the buyback program and was told they are still processing my request. 

Also in XXXX I applied to change my payment plan to the XXXX plan, I have not been placed in a processing forbearance and have no word on when this will be processed. 

In XXXX I applied for reconsideration for XXXX & XXXX to count. I have submitted XXXX complaints from XXXX and still no progress has been made on my account, I currently have XXXX payments certified, I am only XXXX payments away and want to be pay them or have my XXXX & XXXX months count and complete buyback for the remaining XXXX months. 

I have XXXX  months of eligible employment certified by my employer under the XXXX program which shows in my XXXX account. 

Please help me in moving my case forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I requested a hard copy of my credit report and received instead XXXX CDs with no content on them. I was notified by a third party that my TransUnion credit score had plunged XXXX points to XXXX XXXX XXXX. This is a little hard to justify as I have no debts or delinquencies ; and there is no derogatory information. I have XXXX secured credit card with XXXX called XXXX and XXXX credit card with XXXX XXXX, both of which are up to date.TransUnion has nonetheless rated me a XXXX XXXX based on non-existant data. TransUnion does this deliberately because they want to stay in the good graces of their primary clients, the big banks, who want the credit pool to be as limited as possible. This is called conspiracy. TransUnion has made up out of whole cloth what amounts to defamation of me. Permit me to back up for a second and descibethe corrupt methods TransUnion shares with XXXX and XXXX. A business, a TransUnion client, reports as fact one side of a dispute. Say XXXX XXXX XXXX claims they were not paid. The consumer, who is at a disadvantage, because he is not a client of TransUnion, says XXXX XXXX XXXX couldnt hook up his TV. To add another layer, XXXX XXXX XXXX places the bogus debt with a collection agency who knows nothing about the dispute. When the consumer complains, TransUnion verifies the debt with the collection agency which is ignorant of the facts. This is fraud. Once the facts come to light through the diligent efforts of the consumer ( me ) or XXXX years pass, the false information is deleted. The next phase of this sorry fandango is denial of credit because there is no credit history, for which TransUnion is responsible. Consumers who successfully climb out of that conundrum are still defamed by TransUnion and its unholy brethren because their credit usage is too recent. Back to Square One. TransUnion is a knowingly corrupt enterprise. Their one goal is to please the banks by eliminating as many creditors as possible. Again, my current TransUnion credit score, a meaningless number concocted out of willful malice, is XXXX and not high enough to rent an apartment. If TransUnion does not raise my credit score to XXXX by XX/XX/XXXX, I intend to file a lawsuit through XXXX registered agent, XXXX XXXX XXXX of XXXXXXXX XXXX charging : invasion of privacy, fraud, conspiracy, conspiracy to defraud, defamation and intentional infliction of emotional distress. It is about time somebody stood up to these corrupt entities that ruin peoples lives. You have 15 days or legal action will follow.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: IN

Complaint narrative:
During many of the unsolicited phone calls, I asked them to please verify that the information reported is 100 % accurate and that you can fully verify the information. Otherwise please remove from report. Nothing was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency XXXX block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
Account name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from 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