vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MD

Complaint narrative:
I am unable to upload my 1099-C form to show that my debt has been forgiven. I disputed the validity of this debt at an earlier time. 

Id like this account to be removed or updated as paid off on my credit report. 

All credit reports should be accurate per federal law and policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am unable to upload my 1099-C form to show that my debt has been forgiven. I disputed the validity of this debt at an earlier time. 

Id like this account to be removed or updated as paid off on my credit report. 

All credit reports should be accurate per federal law and policy.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I called Chase bank over a week ago to replace a lost debit card. After it didnt arrive I called the bank and was told to call back after 7 days which I did. I explained I couldnt pay my rent and other bills and asked to have the new card overnighted. They said there will be a {$5.00} fee. I told them that my fianc who also banks with them was overnighted a card and didnt have to pay any fee. I also explained that in the past I never had to pay any kind of fee for it to be overnighted. They apologized and said there would be a {$5.00} fee. I said, you just lost a customer over {$5.00} and she said ok. I asked for her supervisor. After waiting 5 mins. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LEXISNEXIS
State: FL

Complaint narrative:
Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CORELOGIC INC
State: FL

Complaint narrative:
Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely.

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report.

I am submitting this document for the expungement of the information disclosed below.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX completed on XX/XX/XXXX Amount {$220.00} still on credit XXXX XXXX  completed on XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$510.00} XXXX XXXXXX/XX/XXXX Amount {$460.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$380.00} XXXX XXXXXX/XX/XXXX Amount {$430.00} Address need to removed from my credit as well every last one of them dont everybody getting in trouble Im tired of being harassed and stalked by these different people who could be pretending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> [ Credit Reporting Agency Name ] [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate
consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Ikes Please review the Inaccurate Information being report : - XXXX XXXX XXXX XXXX to : Follow XXXX XXXX ' ( Instrumental ) Conduct a proper investigation into my dispute. 
XXXX stepbytstep XXXX  in a clear and comprehensible manner. 
+

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-31 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( 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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They stated that I owed {$470.00} for a credit card debt from XXXX. The statue of limitations for credit card debt in California is 4 years. Also when I asked for validation of the debt and purchase agreement for the debt they would not provide it and stated on the phone they did not have it. I also asked for original account paperwork and transactional history and they only have paperwork starting amount owed and company name they don't have transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove Incorrect/Outdated Addresses from Credit Report Dear Experian, I am writing to formally request the removal of certain addresses listed on my credit report that are either incorrect or no longer relevant to my current address history. According to my recent credit report, there are addresses associated with my profile that I do not recognize or no longer use. I would like to have these removed to ensure that my credit report accurately reflects my current and past addresses. 

Addresses to be removed : 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 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 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 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  I am requesting that you investigate and remove these addresses in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit reporting agencies maintain accurate and up-to-date information. As stated in Section 607 of the FCRA ( 15 U.S.C. 1681e ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Additionally, under Section 611 of the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation upon my request and correct any inaccuracies or outdated information on my credit report. Since the addresses in question are not associated with my current address history, they are not accurate, and I believe they should be removed accordingly. 

Please send me written confirmation of the removal of these addresses and an updated copy of my credit report once the corrections have been made. Should you need any further documentation or clarification to process this request, I would be happy to provide it. 

Thank you for your prompt attention to this matter. 

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need a update on claim XXXX if it is denied reopen it and investigation again because I disagree with the decision on it and then give me the new decision on it when it is review again and reopen etc and look at the attachment below please etc and the other claim is to it is XXXX  so please reopen it and investigation again if it get denied because I disagree with the decision and give me the new decision to it please etc.

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 2025-01-31 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: IL

Complaint narrative:
I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. According to the FCRA Section 604 ( 15 U.S.C. 1681b ) explicitly states that consumer reports may only be accessed with a permissible purpose. Yet, this agency has failed to justify unauthorized hard inquiries that have appeared on my report, violating my rights as a consumer.

This ongoing failure to comply with the FCRA has resulted in ongoing damage to my creditworthiness, preventing me from obtaining fair lending opportunities and financial stability. FCRA Section 616 ( 15 U.S.C. 1681n ) provides for legal remedies for willful noncompliance, including statutory damages, attorneys fees, and punitive damages.

Please see the attached documents that list the unauthorized hard inquiries.

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 2025-01-31 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: NY

Complaint narrative:
This a formal request for the immediate removal of an inaccurate account listed on my credit report. I am a victim of Data Breach Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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: CA

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX for failing to properly investigate and correct inaccurate information on my credit report, despite multiple disputes. 
I have disputed this charge-off account multiple times with Experian, yet they continue to report it as verified without providing actual evidence. 
Experian is already under investigation by CFPB for sham investigations and failure to conduct proper consumer dispute verifications. 
XXXX XXXX has written off this debt ( {$7600.00} ), yet they failed to provide a Form 1099-C, which is legally required for canceled debts over {$600.00}.

Since the IRS classifies charge-offs as income, this account should not be reported as delinquent debt on my credit report.

Experians repeated verification of false information violates 15 USC 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting inaccurate information once notified.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Its was in 2022 Id say around this time of the year around XX/XX/XXXX or so I had done my taxes ndthe next day I had left my backpack infront of my garage door by mistake for about a XXXX seconds nd it got stolen with my extra cellular phone my belongings including my wallet with my debits cards inside also the phone had no password enabled so whoever stole my bag had nd acc login info to access my acc and my money before I knew my taxes even hit my account that they closed down after withdrawing about XXXX $ of my hard worked tax money worst year Ive ever had I never seen a XXXX $ of that XXXX $ that got stolen in 2022 I had became homeless because of those cowards that stole from me nd left me homeless currently till this day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE.

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 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: DE

Complaint narrative:
I am writing to formally dispute a debt reported by TekCollect regarding an account with XXXX. The account in question is listed under Account # XXXX, and TekCollect claims that I owe a balance of {$1600.00}. 

I am disputing this debt for the following reasons : XXXX Guarantee : According to the XXXX XXXX, I should not be responsible for paying for services that were incomplete. XXXX went out of business before I could finish my treatment, so the debt is not valid. I was provided with no means of communication or a way to receive new aligners to complete my treatment. 

Medical Debt Concerns : If this debt is in any way related to medical services and my personal health information has been disclosed without my consent, this could be a violation of my privacy under HIPAA ( Health Insurance Portability and Accountability Act ). If my medical information was shared improperly, I will be filing a complaint with the Office for Civil Rights ( OCR ) at the U.S. Department of Health and Human Services ( HHS ), which investigates potential HIPAA violations. 

I request that you review and investigate this debt, and if it is determined to be invalid or improperly reported, that the debt be canceled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation