vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-05 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal dispute regarding inaccurate information on my credit report and failure to investigate a dispute. The entity responsible, Equifax, Experian and transunion has negligently failed to comply with the Fair Credit Reporting Act ( FCRA ), causing harm to me as a consumer.

Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as legal costs and attorneys fees if applicable. The specific negligent actions in my case include : XXXX reporting inaccurate information despite prior disputes Accounts are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX. XXXX XXXX XXXX {$6800.00} Due to this negligence, I have suffered harm including but not limited to such as credit denial, financial losses, emotional distress, or damage to my credit score. 

I formally request the following corrective actions : 1. An immediate investigation into this matter.

2. removal of the inaccurate/disputed information.

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 2025-02-05 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal dispute regarding inaccurate information on my credit report and failure to investigate a dispute. The entity responsible, Equifax, Experian and transunion has negligently failed to comply with the Fair Credit Reporting Act ( FCRA ), causing harm to me as a consumer.

Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as legal costs and attorneys fees if applicable. The specific negligent actions in my case include : XXXX reporting inaccurate information despite prior disputes Accounts are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX. XXXX XXXX XXXX {$6800.00} Due to this negligence, I have suffered harm including but not limited to such as credit denial, financial losses, emotional distress, or damage to my credit score. 

I formally request the following corrective actions : 1. An immediate investigation into this matter.

2. removal of the inaccurate/disputed information.

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 2025-02-05 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX XXXX 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 any 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 seven 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 of 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 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NY

Complaint narrative:
this is my second complaint forthe same issues. The response from ED financial on XXXX is unacceptable and does not address any of the issues in my complaint. They say nothing about refunding the interest that accrued during the time they had my loans in the hardship forbearance ( accrued interest ) instead of the SAVE forbearance ( no interest ). Particularly disturbing is the response stating they will indeed expect a monthly payment that is more than I earn in a month beginning this XXXX unless I recertify for the SAVE program. There is no way I have seen on the department of education website to reapply for SAVE. Once you have it you have it, there is nothing about having to recertify periodically for SAVE. This is the response from ED financial, I make XXXX an hour and my monthly payment if SAVE goes away will be more than I make in a month I will be filing another complaint. From ED financial : Based on your account your monthly installment would increase to {$2100.00} beginning XX/XX/XXXX if recertification was not submitted to remain on the SAVE plan. from my original complaint : My student loans that are over 30 years old with an original principle of {$39000.00} are on the SAVE plan and the servicer is ED Financial. In XXXX of XXXX I worked with ED Financial to put these in forbearance since I could not make the payments. They should have been put in a SAVE forbearance which will not accrue interest, but instead ED Financial put them in a verbal forbearance which has been accruing interest for months. On XXXX ED Financial told me over the phone that this is a mistake and that they will fix this, but they would not provide anything in writing. Additionally, on XXXX they sent me a repayment schedule for the IDR plan that does not make any sense. This repayment schedule has me paying {$68.00} for 5 months. Then it goes up to {$2100.00} a month after that for the next 18 months, then varying amounts per month after that. I only make {$18.00} an hour 29 hours a week. A payment of over XXXX XXXX a month based on this income does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -- Opened on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-02-05 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : METHOD OF VERIFICATION REQUEST FOR DISPUTED ACCOUNT. 

Dear, Equifax I recently disputed an account on my credit report that is listed under XXXX XXXX XXXX XXXX XXXX However, after your investigation, you stated that the account has been verified as accurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am requesting the method you used to verify this account. Please proivide the following. 

XXXX. The name, address, and contact information of the the entity that verified the information, XXXX. A description of the specific process used to verify its accuracy. 

XXXX. Copies of any documents relied upon for verification. 

If you can not provide this information within fifteen ( XXXX ) days, please delete this account from my credit report as required by law. 

Please respond in writing to the address listed above. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measure 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-05 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: MS

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX. AMOUNT {$6600.00} opened XXXX XXXX, This appears on all three on my credit reports

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, the company Chase J.P. Morgan decided to close my account without validity for the simple fact of making several deposit transactions to my account in which they took the time to retain my funds to validate them in which they validated my funds and restricted my account for some money deposits order in which to verify them I provided him with all the information and they validated them and then the check authorization department did not want to approve the sending of the check because a long time passed and my account was unfairly closed and they have withheld my funds and I have been with this Problem for more than 4 months and they still haven't given me a clear and accurate answer and my 3 accounts were closed unjustifiably and my money has not been returned to me and I would like help to solve this problem that is already more than 4 months old and the company refuses to look for solutions XXXX XXXX XXXX XXXX XXXX  de XXXX, Money deposits order of {$500.00} and {$100.00} in which there were several transactions that the money does not want to return to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX the truth in Lending disclosure I was provided by the Lender discloses a grossly inaccurate APR or finance charge. If the disclosed APR is correct then the disclosed XXXX XXXX is understated or if the disclosed XXXX XXXX is correct the disclosed XXXX is overstated. In either case the error is far outside allowed tolerances. If this transaction was closed than the lender committed a crime, and if not closed then I have been deceived by the Lender and I recind the contract. Examples below. Also in the months around XXXX XXXX XX/XX/XXXX, I mailed certified, Notarized to WELLS FARGO NA 3 ( three ) affidavits. Notice, Notice of non-response, and Notice of default. First requesting certified copy of the original Note. WELLS FARGO NA admitted in their correspondence that, the " documents submitted for payoff of the account, don't meet the terms of the Note because items submitted for payoff were not legal tender. Funds used to payoff your note must be US currency ''. WELLS FARGO RESPONDED!

" We recognize that you ask us to respond with a certified affidavit that went through your inquiry line by line point by point, and we have determined the item you requested is considered to be confidential, privileged and or proprietary information of Wells Fargo, and for this reason, we are unable to provide the documents and information in the manner requested ''. Also from Wells Fargo, " the documents you submitted for payoff of the account don't meet the terms of the Note, because the item you submitted isn't legal tender. Funds used to payoff must be US currency. Please be aware further escalation will not change our response to 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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent money on XX/XX/2024, in the amount of {$1100.00} to XXXX XXXX XXXX a money transmitter in Texas ( XXXX XXXX ) address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX The money was wired to XXXX XXXX XXXX XXXX XXXX through JPMORGAN CHASE BANK, NA. 
I have contacted XXXX XXXX XXXX multiple times to report that the money was never received by XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX claims they can't contact the bank that they transferred my money, and they would not give me the contact information to the bank. 
Can you help get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
There is incorrect and inaccurate information on my credit report. My Experian credit report is reporting an account on my report from XXXX XXXXT which is indeed not my account. It's does not report on XXXX at all and would like this account removed immediately. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with Experian plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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