vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMCB Auto Finance illegal vehicle repossession and illegal reporting on consumer credit profiles. 

Violation of XXXX USC XXXX for non-judicial action Violation of XXXX USC XXXX for unauthorized disclosure of my personal information to a third party entity. 

Failure to Send contract cancellation after vehicle recovery and subsequent sale to remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I applied with ACIMA for a line of credit to purchase items from XXXX XXXX. I was approved for {$4000.00}. I proceeded to order items from XXXX XXXX. XXXX XXXX rescheduled my delivery 4 times, twice stating items were not available at the time. Then there was inclement weather so the delivery was rescheduled another time. XXXX delivery called me on XX/XX/XXXX stating that my items were on the way and when i talked to the representative they said that all my items were on the truck and that they would put a note in the account as my delivery date was scheduled on XX/XX/XXXX. XX/XX/year> came and the delivery showed up the driver stated that XXXX XXXX didnt have all of my items and that the only thing that they had was the couch and the dresser ( i ordered a bedroom set, bed dresser night stand, sectional couch, mattress, and table ) the couch exceeded the capacity of the elevator so I instructed the driver to take it back since it would not load in the elevator. the driver also stated that the XXXX representative at the warehouse told him it would be ok if i didnt want to take the items he brought and I could return them to await when all my items were available with no extra charge to me. When I contacted XXXX they stated that one of my items had been discontinued, and I refused the delivery which was not true and charged a delivery fee for Items that I do not have. 



I proceeded to call XXXX  to cancel my order. It took 5 days to get an official cancelation. I then called acima to terminate the lease since I did not recieve the items and the order was canceled. I im medicately called acima and they called XXXX XXXX while i was on the line and verified that the order was canceled. the representative from acima state that they sent in the requisition to have the lease terminated but it takes 7-10 days. I keep recieving information regarding a loan amount and now i recieved an email notification that my credit with acima was denies since i have an outstanding loan already with ACIMA. I never reapplied for any time of credit, and Im having difficulty getting anyone on the phone with ACIMA to verify that my lease/contact with XXXX is canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-27 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-27 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: TX

Complaint narrative:
hard inquires no autorizados en mi reporte de credito EQUIFAX, casi un ao levo con esto y no los eliminan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2025 To Whom It XXXX Concern, Re : Request for Deletion of Charge-Off Items from Credit Report due to FCRA Violation I am writing to formally request the immediate deletion of all " charge-off '' accounts reported on my credit file due to a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, these charge-off items should not be included in my credit report because, under the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ), they constitute " income from discharge of indebtedness '' and therefore should not be reported as delinquent credit accounts once they are forgiven or discharged.

Additionally, these accounts have remained on my credit file for an extended period, damaging my credit score and financial standing. The continued reporting of this information is inaccurate and constitutes a violation of my rights under the FCRA. According to the FCRA, information provided in consumer reports must be fair, accurate, and up-to-date. 

Here are the charge-off accounts I am disputing : [ Account XXXX : XXXX, XXXX ] [ Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ Account XXXX : XXXX XXXX XXXX XXXX ] I kindly request that these items be deleted from my credit report. Please be advised that if this issue is not resolved promptly, I may consider taking further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant regulatory authorities. 

I expect a response from your office within XXXX  days, as mandated by the FCRA. Please confirm in writing once the necessary actions have been taken. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution. 

Sincerely, 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like accurate information reported on my credit. I sent out multiple disputes to Experian regarding inaccurate information on my credit report. Despite providing evidence Experian has failed to comply with the legal obligation under the fair credit act. Experian is not complying with sections 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USCi ( 5 ), 15 USC 1681c ( c ). I request immediate removal of the XXXX  reference # XXXX, Accounts in collection name XXXX XXXX XXXX, and Consumer Adjustment services.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was denied credit due to information being reported by consumer credit reporting agencies. I do not agree to credit agencies reporting information about me. I also want to dispute the collection reported by XXXX XXXX XXXX for {$XXXX}, this amount is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: MI

Complaint narrative:
The amount that the company reported happened to be over 10 times the amount owed. The amount supposedly owed ( paid at the time of service ), was under {$200.00}. However, Midwest Receivable Solutions ( XXXX XXXX XXXX  ) reported almost {$2000.00}. I called them to have them remove it, since it was inaccurate. I told them that I thought that they might be breaking the law by inflating the amount above the {$500.00} so that they can put it on my report. I mentioned that if they didn't take action quickly, it could involve a lawsuit. XXXX, the lady from XXXX that I talked to ( XX/XX/XXXX ), said that they notified the bureaus to delete it. I checked back with them on Friday ( XX/XX/XXXX ) and XXXX said that all 3 deletions were sent. I checked with the bureaus today, and they said they never received the deletions. So, I called them today ( XX/XX/XXXX ) and their number is disconnected. So, I'm unable to get a hold of them and I believe that it's a scam. Please help!

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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX VISA to send me a XXXX C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service XXXX XXXX and the XXXX Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.

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 2025-01-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXX  to send me a XXXX C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service XXXX XXXX and the XXXX Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXX  to send me a XXXX C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service XXXX XXXX and the XXXX Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Weeks of emails and chat converStations that end before resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ). 
Specifically : 1. Failure to Conduct Reasonable Reinvestigations : XXXX 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 
2. Failure to Forward Relevant Information provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect in transmitting accurate dispute details to furnishers. 
3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 

The items in question are : [ List the inaccurate items with details like account numbers, dates, or disputed inaccuracies. ] Late Payments XXXX XXXX Late Payments Flagship Credit Hard Inquires : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Closed on XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/year> XXXX XXXX XXXX Closed on XX/XX/year> XXXX XXXX XXXX  Closed on XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX $ {$XXXX} Evictions : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I have attached coples of relevant documents supporting my dispute ( e.9., payment records, correspondence, or agreements ).

Should you fail to comply with your obligations under the FCRA within the mandated 30 days, I am prepared to escalate this matter, including filing complaints with the CFPB and considering legal action as authorized under the FCRA.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions. 
Sincerely, [ XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
The letter is a formal request addressing the verification of accounts listed on a credit report under the Fair Credit Reporting Act ( FCRA ). The individual, XXXX XXXX, is demanding that the credit reporting agency provide verifiable proof ( the original signed consumer contract ) for any listed accounts, specifically the XXXX XXXX XXXX account, in compliance with Section 609 ( a ) ( 1 ) ( A ) of the FCRA. The letter emphasizes that without this verification, the accounts must be removed from the credit report, as failure to verify the accounts has negatively impacted the individuals ability to obtain credit. 

Additionally, XXXX XXXX that : The XXXX XXXX XXXX account be deleted for non-compliance with FCRA regulations. 
All non-account holding inquiries over 30 days old be removed. 

A XXXX Suppression be added to their credit file. 

The letter concludes with a request for action and a signature from the individual. A copy of the dismissed judgment was attached to the request per a XXXX XXXX judge. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2025-01-27 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: WI

Complaint narrative:
There were many discrepancies on my report I contacted Equifax and XXXX to conduct an investigation. Ultimately the companies failed to provide a satisfactory explanation. In which the inaccurate data lowered my fico scores. Making it a challenge to properly utilize my credit sufficiently In my opinion Equifax and XXXX did not handle my complaints correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filling a complaint against Cashapp ( 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report To XXXX : I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report, and you are required to investigate my claim. 
Dear XXXX, I am writing to dispute the accuracy of charge-offs listed on my credit report under the FCRA, specifically 15 U.S.C. 1681, all information in a credit report must be accurate and verifiable. Additionally, 15 U.S.C. 1681b limits the inclusion of unverifiable or inaccurate information in consumer credit reports. As these entries can not be substantiated, they should be removed immediately.

Please confirm the results of your investigation in writing and provide me with an updated copy of my credit report reflecting the removal of these charge-offs.

Thank you for your time and attention to this matter. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-01-27 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: FL

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