vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: MO

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: CA

Complaint narrative:
I checked my credit and it dropped by XXXX points because carmax over ran my credit to a bunch of companies. I never gave them authorization to do so and im very upset because yes i planned to get a car. But not through carmax. I never gave them any of my information nor permission to do so. Everything that says XX/XX/year> i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: DISCOVER BANK
State: PA

Complaint narrative:
Someone open various accounts under my ssn but with different name address and phone number is affected my credit I summit a ftc license and ssn they delete but them put back rather the bank account use is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
This situation has become unbearable. I was blindsided by a debt on my credit report that I do not recognize and never authorized. Since then, I have been subjected to relentless harassment, including threats of legal action. This is not only unfair but a clear violation of my consumer rights. It has affected my peace of mind and well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
RE : Dispute of Incorrect Information on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to dispute inaccurate information that has recently appeared on my credit report. Specifically, XXXX XXXX has reported an account from a previous XXXX account with a last activity dated XXXX, now showing as open. This reporting is incorrect and potentially a violation of federal statutes governing credit reporting. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, accurate reporting is mandatory, and the collection accounts should not be reported incorrectly as open after a significant period, especially once the debt is beyond the statute of limitations for reporting ( 7 years from the date of first delinquency as set under 15 U.S.C. 1681c ). 

The original delinquency date was in XXXX, and thus this account should not continue to affect my credit report or score as of XXXX. Furthermore, this issue may involve " re-aging '' of the account, which is not permissible. 

I request that you investigate this claim and remove or correct this inaccurate account, as it negatively impacts my credit report unjustly. 

I am also forwarding a formal complaint about this matter to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect credit report entry and the potential violations by XXXX XXXX as per

15 U.S.C. 1692g of the Fair Debt Collection Practices Act. What I find interesting is XXXX XXXX  open this collections in XX/XX/XXXX ; however, XXXX was just removed off of my credit profile as of XX/XX/XXXX. 


Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
After making numerous payment on time, this company still is charging me for late payments. This has affected my credit tremendously and needs to be updated as on time. In addition, I am being charged ridiculous fees. This needs to be updated as on time paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-28 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company 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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> and XX/XX/year> and XX/XX/year> and XX/XX/year> The positive amount deposited into my personal bank account is a value of {$860.00} When I went to an ATM and saw an amount for {>= $1,000,000} deposited into my Chase bank account, and the fact that the Chase bank ATM would not allow me to withdraw any amount of my money from my wages or from my income tax returns which had already been deposited into my account with a positive value sum of {$860.00} next the bank ATM showed a negative value of {>= $1,000,000} which is both sums added together ( {$860.00} + {>= $1,000,000} = {>= $1,000,000} ). Next I went to the Chase bank in XXXX XXXX to tell them that there is a problem with my bank account and that I never experienced such a problem before. The branch manager researched the problem for me to discover that somebody else has placed a hold on my bank account that will not allow me to use any of my money which I earned and was already deposited into my bank account. The branch manager asked me if my Mother was deceased. I said no. My Mother was recently placed into a XXXX  through the XXXX XXXX XXXX in XXXX XXXX, XXXX  XXXX XXXX. My bank account is a subaccount of hers because my Mother asked to help me by providing me my own personal bank account so that I can deposit wages, use it for debit purchases for my own benefit. This subaccount associated to multiple accounts belonging to her was established for me roughly XXXX  years ago. All of a sudden, Chase Bank will not allow me to have or use any of my money which amounts to a positive sum of {$860.00} They say my bank account has a hold and is overdrawn because of a federal benefits reclaim alert associated to my elderly Mother 's personal bank accounts which are separate from my personal bank account. In other words, my bank account money is separate from my Mother 's money. 
I believe Chase bank is acting in error by allowing a hold and, or acting as if my account is overdrawn by {>= $1,000,000} or the other figure stated as being {>= $1,000,000} I feel that I am being mistreated and somebody has performed something wrong in error while it has affected me and my finances in a very negative manner. Chase bank has not resolved this matter. They do not know when it may be resolved. During this same time, I am restricted from accessing the money that I have earned from employment and from income tax returns that have been deposited into my personal bank account. I want it fixed now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
Subject : Complaint Against Equifax and TransUnion for Inaccurate Reporting To Whom It May Concern, I am writing to file a complaint against Equifax and TransUnion regarding the inaccurate reporting of my account with XXXX XXXXXXXX XXXX According to both XXXX XXXX XXXX and the details provided in a complaint filed with the FDIC, this account should have no negative reporting and the loan should be marked as closed as per the agreement. 

Despite these clarifications, the account has been inaccurately reported for over a year, and I have disputed this matter multiple times without success. This persistent inaccuracy is not only frustrating but is also in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain correct and complete information. 

Under the FCRA, consumers have the right to dispute inaccurate information, and credit bureaus are obligated to investigate these disputes promptly and correct any erroneous data. Given the continued failure to rectify this issue, I am requesting the full removal of the negative reporting associated with this account from both Equifax and TransUnion. 

I kindly urge you to address this matter urgently and ensure compliance with credit reporting laws. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
On XX/XX/year> I forwarded by email 39 valid dispute emails between myself and the dentist 's office to : : XXXX I also stated in my email while forwarding the 39 emails to them, this unfair and incorrect debt was already attempted to be collected by another collection agency and after receiving my valid dispute the other collection agency not only stopped trying to collect but removed the collections amount from all three major credit reporting agencies. I requested a response back from tekcollect by email, never received a response back. I have tried multiple times to get them to remove this from my credit report and they refuse and only respond by saying the debt is valid. It is not as proven in my forwarded emails to them. 

Dispute in short : I wanted XXXX XXXX XXXX XXXX XXXX. The regular office manager was on holiday, the assistant sitting in for her, mistakenly requested a partial to be made. When it arrived, I did state that it wasn't what I wanted. I tried to wear it, it made my gums bleed. I went back and forth by email, the time even ran out for me to have the partial fixed to fit better. The partial that I left at the dentist 's office because it wasn't what I wanted, hurt my mouth, and made me talk with a XXXX. It's all in email. Response was at first, dentist was now away on holiday had to wait for her return. She returned after 30 day allotment lab allowed for fixing the ill fitting partial! Dentist then said we could do the implant instead as I requested but added the amount for the ill fitting partial to the total of what the implant cost was. I know this because I had already called around to get quotes from other dentists and their quotes were all less than this dentist by almost exact cost of the partial. At that point, I didn't want to do business with them any longer. I requested they send a new amount owed based on work done, not to include the partial I didn't want, and I would fairly pay what was owed. They refused and sent me to collections. There's much more to this, but this is a summary. It's all in the emails that tek collect received but decided to ignore.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint against Security Credit Services for engaging in debt collection practices in the state of Texas without the required license to do so. This is a clear violation of state law and the Fair Debt Collection Practices Act ( FDCPA ), and it has resulted in an unlawful attempt to collect a debt that has been reported to my credit file.

Debt Collector Name : Security Credit Services Account Number : XXXX Debt Amount : {$11000.00} Date of Report : XXXX I have verified that Security Credit Services is not properly licensed to operate as a debt collector within the state of Texas, as required by Texas Finance Code, Chapter 392 ( Texas Debt Collection Act ). Security Credit Services has not registered with the Texas Secretary of State as required by state law, and as a result, their attempt to collect this debt is illegal and void.

Legal Violations : Violation of the Texas Debt Collection Act : According to XXXXXXXX state law, debt collectors must be properly licensed to operate within the state. Since Security Credit Services is unlicensed in Texas, they are prohibited from engaging in debt collection activities here.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA ( 15 U.S.C. 1692 ), it is illegal for a debt collector to engage in any unlawful debt collection practices, including attempting to collect a debt without proper authorization or licensing to do so.

Violation of the Fair Credit Reporting Act ( FCRA ) : Because Security Credit Services is not licensed to collect debts in Texas, their report of this debt to the credit bureaus is a violation of the FCRA, as it constitutes the reporting of inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not open this account, nor authorize anyone to open it on my behalf, or engage in any transactions associated with this account. The account is listed to an address in XXXX, Indiana, in which I have never lived. I have attached documents proving that I lived in Georgia, during the time this account was open, and not in XXXX. This account is fraudulent and is affecting my credit report and score unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a wells Fargo credit card that I set up payments to be made monthly. The last previous year there was monthly payments being deducted. Coming into XXXX  they were renegotiated to layer payments, but continue to be made monthly. Wells Fargo deducted the first payment in XXXX, but never did it again in XXXX. They never notified me until the payment was XXXX  days late. I spoke with Wells Fargo today, XX/XX/year>, about the issue and they acknowledged the issue and are making corrections to my account, but said I had to reach out to the credit consumer bureau to get my credit reports fixed. My credit dropped XXXX points because of Wells Fargo making an error and reporting it. Can I get this fixed as soon as possible?!

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 2025-02-27 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-28 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: FL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft. Please remove this 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