vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 have reached out to this agency requesting debt validation and verification to prove that this account is not mines, is reporting illegally on my reports, and I am not responsible for it. I have yet to receive a response so I am submitting this complaint on the CFPB!

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 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding multiple instances of fraudulent activity and unauthorized financial actions committed by XXXX XXXX XXXX, as detailed in the attached lawsuit. 
Background : XXXX. Fraudulent Deed Manipulation and Financial Misrepresentation : XXXX XXXX XXXX unlawfully removed my name from the property deed for XXXX XXXX XXXX, XXXX, MI XXXX. He secured a {$100000.00} loan against the property without my consent, using my business account. 
XXXX. Unauthorized Withdrawals from Business Account : XXXX XXXX made unauthorized withdrawals from the joint business account at Chase Bank ( Account No. XXXX ), despite repeated requests to remove his name. In XXXX, XXXX XXXX was ordered to leave XXXX XXXX. Despite providing necessary paperwork to Chase Bank, including the court order, he continued unauthorized withdrawals, resulting in significant financial harm. 
Details of Complaint : XXXX. Chase Bank 's Negligence : Chase Bank failed to act on multiple requests to remove XXXX XXXX XXXX from the business account, despite the provision of necessary documentation, including a court order. As a result, XXXX XXXX continued to make unauthorized withdrawals and secured a fraudulent loan using my personal information. 
XXXX. Ongoing Financial Harm : Chase Bank 's negligence has caused significant financial damage to my business and personal life. XXXX XXXX unlawfully withdrew {$64000.00} from the account, and the bank allowed him to obtain a {$100000.00} loan against the property without my consent. 
XXXX XXXX : XXXX. Immediate investigation into Chase Bank 's handling of my requests to remove XXXX XXXX XXXX from the business account and the unauthorized withdrawals. 
XXXX. Reversal of all unauthorized withdrawals made by XXXX XXXX from the business account ( Account XXXX. XXXX ). 
XXXX. Addressing the fraudulent loan obtained by XXXX XXXX using my personal information and ensuring the property deed is returned to my name, free and clear of any mortgage. 
XXXX. Compensation for the financial and emotional distress caused by Chase Bank 's negligence. 
I appreciate your attention to this matter and look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX Attachments : Lawsuit filed in the Circuit Court for the County of XXXX XXXX order mandating the removal of XXXX XXXX XXXX from the business account Bank statements showing unauthorized withdrawals Correspondence with Chase Bank requesting removal of XXXX XXXX XXXX from the account Loan documentation showing unauthorized loan obtained by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inaccurate information on my credit report including : Name, Address, Date of Birth, Account Information ( please see attachment )

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX CARD - XXXX - XX/XX/year> - {$5800.00}

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
While out of town last year, my car was towed. Did not receive any notice or notification regarding this. Bridgecrest then sold my car with no notice or notification, took months to figure out what happened. Have never missed a payment and then paid off the remaining balance immediately once I found out what happened. Bridgecrest then tanked my credit by XXXX points. Complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I completed an XXXX XXXX XXXX XXXX on XXXX on XX/XX/year>. I am requesting to be moved from the SAVE plan to the PAYE plan. MOHELA emailed me on XX/XX/year> to inform me they received my application. According to XXXX, MOHELA should have placed me into a processing forbearance for up to 60 days while they process my application. The processing forbearance would be eligible for XXXX. I am requesting that MOHELA place me into a processing forbearance that is effective as of XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
I'm at my wit 's end with these constant errors on my report. It feels like every time I check, there's something else wrong, and it's really starting to affect my life. These inaccuracies are dragging down my scores and making it so much harder to do basic things, like get a loan or even rent an apartment. It's incredibly frustrating to feel like I'm being held back because of mistakes that aren't even my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 48 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
Delete these XXXX XXXX from my credit reports effective immediately as they are banned by the CFPB and they can no longer report on my credit reports effective immediately. 
Here is the report from CFPB https : //www.consumerfinance.gov/about-us/. newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/. 

XXXX collection Acct 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 2025-01-28 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: MD

Complaint narrative:
I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX - XX/XX/year>

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 2025-01-28 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My home mortgage with Chase Bank was under review for a loan modification and in forbearance due to a natural disaster financial hardship. During this time I was making reduced payments. Chase Bank informed me that no late payments would be reported while my account was in forbearance. Late payments were still reported on all three of my credit reports. Chase Bank confirmed that they would request the late and past due payment remarks be removed from my credit report. During the duration of this Chase Bank transferred the servicing of my mortgage to another lender. After the transfer Chase reported all of the late payments back to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had a chime account in 2022 and already submitted a complaint about this to which a generic message was sent by a representative of the company. I attempted to pay for an oil change at XXXX XXXX XXXX. The total was {$70.00} and change. Chime declined the transaction, put the money on hold and then never gave it back. I spoke with 2 representatives who found the transaction but could not remedy the issue. The other couple representatives said they could not see the issue. I stopped using chime and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 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 2025-01-28 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:
I am demanding the immediate removal of the fraudulent XXXX account ( XXXX XXXX ) from my Experian credit report. This account is inaccurate, unverifiable, and illegally reported in violation of multiple federal laws, including the FCRA and FDCPA. Experian has failed to ensure the accuracy of my credit information as required by FCRA 1681e ( b ). The account contains conflicting and inconsistent information, including different dates of last activity across bureaus, as well as contradictions in the accounts status and dispute history. Experian lists the account as closed, yet derogatory marks remain, continuing to negatively impact my credit, which violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 

Additionally, despite my dispute, Experian has failed to conduct a proper reinvestigation as required under FCRA XXXX ( a ). The account was previously disputed, but Experian misleadingly reports it as dispute resolved, even though no proper validation has been provided. XXXX has failed to produce any signed contract or legal documentation proving I owe this debt, violating FDCPA XXXX, which requires proper debt validation. Furthermore, FCRA XXXX ( a ) ( XXXX ) prohibits credit bureaus from reporting disputed and unverified information, yet Experian continues to do so, further damaging my creditworthiness. 

I have no contractual obligation with XXXX, and Experian has failed to provide any legal validation for this account. If this account is not immediately deleted, I will pursue legal action for willful noncompliance and seek damages under the FCRA and FDCPA. This is Experians final notice to correct this violation before further action is taken.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

XXXX this description will not affect how the CFPB handles your complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/year> I contacted Robinhood through email and chat. My account was closed with no explanation and my funds are being held way longer than they can hold them. I can not contact by phone anymore or chat only email with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX. mailed me a collection letter on XX/XX/24 requesting to pay a debt that doesn't belong to them. I didn't authorized this company to have any information of myself or my finances. I request XXXX XXXX XXXX, XXXX. to prove any document signed by me authorizing them to collect any moneys from me and they didn't do it. 
Therefore, their actions are XXXX and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
They were hereby instructed to cease all collection efforts immediately or face legal sanctions under the XXXX XXXX Debt Collections Practices Act, 15 U.S.C. Sections 1692c and 1692k, which is incorporated and made applicable to creditors like your company by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 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 2025-01-28 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am very upset that I see these unauthorized inquiries on my credit report they need to removed immediately so I can buy a home. I thought my information was being protected by the Fair Credit Reporting Act consumer law. This is a defamation of character and is causing emotional stress because I take my credit report serious. Please remove these inquires off my report please. I have attached the FTC report as well! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief