vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I am writing to formally file a complaint against the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate credit reporting and to properly investigate and correct errors 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 2025-02-23 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: CT

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute under 15 U.S. Code 1681o Violation of Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a dispute regarding certain accounts listed on my credit report, as they were inaccurately reported and in violation of my rights under 15 U.S. Code 1681o and the Fair Credit Reporting Act ( FCRA ). I have reason to believe that the following accounts have been inaccurately reported, and I am requesting a formal investigation into these accounts to ensure compliance with FCRA requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} I request that these accounts be fully investigated for accuracy, as I believe they may not be properly reported or may not belong to me. I am entitled to have my credit file accurately reflect my financial history under the Fair Credit Reporting Act. Please notify me in writing of the results of your investigation and provide a corrected version of my credit report once all necessary updates have been made. I expect this issue to be resolved promptly in accordance with 15 U.S. Code 1681o, and I reserve the right to take further action if the violation is not addressed accordingly. Thank you for your attention to this matter. Please feel free to contact me if you need any additional information or documentation to process my dispute. 

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 explanation
Consumer complaint received 2025-02-23 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: MS

Complaint narrative:
On XX/XX/XXXXXXXX  I was made aware by mortgage lender that there is an inaccuracy reported on my Equifax credit report, preventing me from obtaining a mortgage loan. 

XXXX  ( creditor ) is reporting a 60-day missed payment in XX/XX/XXXX, 90-day missed payment in XX/XX/XXXX, 120-day missed payment in XX/XX/XXXX, charge off in XX/XX/XXXX, charge off again in XX/XX/XXXX. 
The XXXX  account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, yet XXXX  is reporting late/missed payments from XX/XX/XXXX through XX/XX/XXXX, and charged off in XXXX XXXX, which is inaccurate dates after the account had already been closed and charged off to XXXX XXXX. 

XX/XX/XXXX I called XXXX ( now called XXXX ) and they confirmed that the dates being reported were incorrect. The customer service rep submitted a 'credit correction claim ' and we thoroughly went through the specific inaccuracies together in the claim. She advised that the credit correction request would be approved within 10 business days and the collection agency ( XXXX XXXX ) would be responsible for updating my credit report. XXXX XXXX would take up to 60 days to update my credit report once claim is received. The rep gave me the phone number to contact XXXX XXXX to make them aware of the credit report inaccuracy and see if they could correct the error immediately. 

XX/XX/XXXX I called XXXX XXXX to make them aware of the credit inaccuracy to Equifax for the late payment dates. They advised they have no control over the reporting on this account, as XXXX is the original creditor, so XXXX needs to update their internal records and report to Equifax. The only thing XXXX XXXX could provide me with a letter confirming the account was paid in full with no balance due. I received this letter via email on XX/XX/XXXX. 

XX/XX/XXXX I received an email from XXXX by XXXX ' stating they " carefully reviewed the details of your credit reporting claim and will be proceeding with updating our internal records. We submitted a correction request to XXXX, Equifax, and XXXX. Please be advised that it may take the credit bureaus 30 to 60 days for the correction to be reflected on your credit report. '' XX/XX/XXXX I received an alert from Equifax that the following has been updated on the XXXX account in question : XXXX XXXX - Charged off account. 
There was no update to the erroneous late payment dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CL Holdings LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I was made aware by mortgage lender that there is an inaccuracy reported on my XXXX credit report, preventing me from obtaining a mortgage loan. 

XXXX ( creditor ) is reporting a XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, charge off in XX/XX/XXXX, charge off again in XX/XX/XXXX. 
The XXXX  account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, yet XXXX  is reporting late/missed payments from XX/XX/XXXX through XX/XX/XXXX, and charged off in XXXX XXXX, which is inaccurate dates after the account had already been closed and charged off to Jefferson Capital. 

XX/XX/XXXX I called XXXX ( now called XXXX ) and they confirmed that the dates being reported were incorrect. The customer service rep submitted a 'credit correction claim ' and we thoroughly went through the specific inaccuracies together in the claim. She advised that the credit correction request would be approved within 10 business days and the collection agency ( Jefferson Capital ) would be responsible for updating my credit report. Jefferson Capital would take up to XXXX days to update my credit report once claim is received. The rep gave me the phone number to contact Jefferson Capital to make them aware of the credit report inaccuracy and see if they could correct the error immediately. 

XX/XX/XXXX I called Jefferson Capital to make them aware of the credit inaccuracy to XXXX for the late payment dates. They advised they have no control over the reporting on this account, as XXXX is the original creditor, so XXXX needs to update their internal records and report to XXXX. The only thing Jefferson Capital could provide me with a letter confirming the account was paid in full with no balance due. I received this letter via email on XX/XX/XXXX. 

XX/XX/XXXX I received an email from XXXX by XXXX ' stating they " carefully reviewed the details of your credit reporting claim and will be proceeding with updating our internal records. We submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take the credit bureaus XXXX to XXXX days for the correction to be reflected on your credit report. '' XX/XX/XXXX I received an alert from XXXX that the following has been updated on the XXXX account in question : XXXX XXXX - XXXX off account. 
There was no update to the erroneous late payment dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
date of renewal of CD was XX/XX/year>. XXXX M & T Bank roll the proceeds into my savings account at maturity. They said the couldn't/ wouldn't online, I had to come into the bank. This was not possible at this time. So I decided to roll the CD over as they were offering 3.9 % for a XXXX  month CD. This is a joint account with my XXXX XXXX XXXX mother.I am XXXX XXXX XXXX and live in XXXX  and take care of my XXXX 's finances. Mostly using on-line accounts. On XX/XX/XXXX, after the ten day grace period they sent a letter to my Mother 's address which said they renewed the CD at a rate of 1 %. I had no knowledge of this letter and only found it when I went to XXXX on XX/XX/XXXX to do my Mothers taxes. 
I went to the bank to ask and complain about this practice of fraud and abuse. They claimed that the 1 % was the standard rate at the time and all other rates were promotional and only available if you can into the bank. I have rolled over CD 's at many banks, including this one without call on the final day or walking in the door. 

This flagrant abuse of the elderly who can't necessarily get out and about easily and is theft by any stretch of the imagination.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my statement showed a balance of {$32000.00}. On XX/XX/XXXX, I made a payment of {$32000.00} toward my Chase XXXX XXXX credit card. However, on XX/XX/XXXX, Chase charged me {$480.00} in interest fees, along with an additional {$400.00} interest fees on XX/XX/XXXX, citing that I had underpaid by {$760.00}. These charges seem unfair. 

Moreover, after my {$32000.00} payment on XX/XX/XXXX, the Chase online system displayed a statement balance : {$0.00} and never provided any alerts or notifications indicating that I still had an outstanding balance of {$760.00}. I requested Chase to investigate a potential system issue or clarify why this discrepancy occurred, but they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
They switch my account from personal to business without me knowing and I gotten a 1099 that I didnt know of until this year that they took my taxes they closed my account and when reaching out to customer service they said theyll get back to me and never did to this day I do not know why my account was closed and switch without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Starting on XX/XX/XXXX I attempted to log into my Experian account to manage a freeze so that I could be screened by XXXX to apply to rent an apartment. Upon entering my login information ( either from the member login or " XXXX XXXX XXXX '' login pages ) Experian automatically redirects me to a page to receive my credit report, with no options to visit a different page. Upon entering my social security number and relevant address information I am redirected to a page saying : " We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience. '' This page provides a phone number to call ( XXXX ) which only provides an automated system that redirects me to the broken website upon filling out my personal information. 

Alternatively, when going through the " XXXX XXXX XXXX '' page I receive an error message stating that Experian can not verify my identity, and was given instructions to go to the upload portal in Experian to provide documentation. I provided my driver 's license, passport, and copies of utility bills to verify my identity twice, but recieved no response over the course of multiple weeks. As these issues have lasted the majority of one month and I have been having problems obtaining new residence on account of them I would like to resolve them as soon as possible, but have been given no effective avenue to do so.

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 2025-02-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that XXXX XXXX authorized XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX from Chase Bank stating that they will be closing my following personal checking account and personal credit card accounts : XXXX, XXXX, XXXX, XXXX. 

The reason given on the letter is " due to inappropriate conduct with our employees ''. This action has left me deeply confused and concerned, as I maintain a very positive relationship with my local branch and have always endeavored to conduct myself professionally and respectfully. 

The only interaction that I can recall which may have contributed to this misunderstanding involved a phone conversation regarding a business credit card account. During that interaction, Chase had explicitly assured me they would not report a recent late payment, that I was unaware of, to the credit bureaus. Unfortunately, despite their assurance, Chase proceeded to report the late payment within days, which directly caused my mortgage application with another provider to fall through. 

Given the severe impact of this unexpected action - particularly during the recent XXXX XXXXXXXX XXXX, which had left me displaced - I admit I raised my voice during the call. However, I absolutely did not use any profanity, threats, or personally disrespectful language toward the employee. If my raised tone offended the employee, I sincerely apologize, as that was never my intention, especially given the stressful circumstances. The XXXX XXXXXXXX XXXX were devastating and caused severe trauma as I had to evacuate immediately. Taking a call from Chase in the middle of it, was a poor decision on my part. 

Outside of this isolated incident, my interactions with Chase employees have always been professional, courteous, and positive throughout the 8 years I have been a member. I maintain a very close and friendly relationship with my local branch manager and branch staff, as well as with the representatives who manage my business banking accounts. This abrupt decision by Chase does not reflect the longstanding relationship and respect that I have cultivated over the years. 

I kindly request the Consumer Financial Protection Bureaus assistance in investigating this matter and facilitating communication with Chase to reconsider their decision, given the significant impact it is having on both my personal and business financial stability. 

Thank you very much for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year> a scammer used my cashapp to purchase XXXXXXXX XXXX  gift codes costing up to XXXX dollars. Cashapp has continuously put me around the ringer, doing the same thing over and over again hoping I give up. Upon looking this up on the internet for help with my problem I see there is a lawsuit on going for my exact problems and hundreds plus of post having the same issues. Please help get my money back I literally couldn't eat some days because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
{$1400.00} LVNV FUNDING LL XX/XX/year> I contacted them and repeatedly informing them of the issue and inaccuracy of this account. They insist on harassing me through emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: MI

Complaint narrative:
There was a debt collection placed on my credit report XX/XX/XXXX. XXXX, the collection company is XXXX XXXX XXXX XXXX, the origin of the debt shows it is coming from Klarna Credit. I have never used Klarna nor have I ever purchased anything through their services. When I addressed this issue with Klarna customer support they confirmed this via text that I have no unpaid balances or transaction history with them or any linked accounts with any of my personal information. When my credit bureau called to investigate however Klarna confirmed the debt and the collection still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have been in contact with Midland Credit Management about an alleged account I have with them since XXXX. I have asked for verification of debt on three separate occasions, and the letters were sent by certified mail with a return receipt. They are trying to collect an alleged debt beyond the statute of limitations in Oregon. I received another letter from them dated XX/XX/XXXX, and in bold font, it states, " As the legal owner of this account, we are entitled to repayment. If we don't hear from you or receive payment by XX/XX/XXXX, we will review your account for further collection activities. '' This is a deceptive practice to try and receive payment on an account that is beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX I was the victim of someone impersonating a tattoo artist that somehow found my personal email and conned me into sending them roughly {$3700.00}. I admit that was my fault but I have paid many artists over XXXX  and have never seen such a complex crime such as this. While I admit my fault in doing this I called XXXX to see if anything could be done. They stated that my bank would need to initiate a chargeback to get the ball rolling. At this point I knew my money was lost and I just wanted this account banned so that more people wouldnt get swindled. I called Key Bank and they assured me that they would look into this issue and be in contact with XXXX. A few days later I called XXXX and they told me Key Bank hadnt contacted them yet. I call Key Bank and they assured me the chargebacks were happening and that my provisionary credit was on its way. I called both parties a few days later and got the same responses from both parties. Then on XX/XX/year> I was informed both Key Bank and XXXX denied my claim. XXXX said they had to close the case because they never heard from my bank. Key Bank informed me that they never actually initiated the chargeback because they found my claim incredible since the payments went through without issue. I had submitted a police report, an IC3 report, an email, a name, and a phone number and said I could happily submit more evidence which Key Bank assured me they didnt need because this was clearly fraud. Im deeply concerned with Key Bank bold face lying to me and not following through with anything for over 10 days. I have resubmitted more evidence but am shocked at the lack of transparency on Key Banks end. I have tons of examples and screenshots of things as well. Even when I asked what more I could have submitted Key Bank said they arent quite sure why it got denied with such a vague reason which concerned me to no end. All I wanted was for the scammer to have one less avenue for success in swindling people who appreciate the arts and Key Bank decided to make it nearly impossible to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
I have use Lexington law about 2or 3 times and thought it was get better but each time they start off good and then dont do anything else and charge me.

Company response to consumer: Closed with explanation