vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since XXXX or XX/XX/XXXX, I have been receiving financial documents addressed to XXXX XXXX, a former tenant, at my current address. These documents come from various financial institutions, including XXXX, XXXX XXXX, Chase, and XXXX XXXX. Despite marking mail as 'Return to Sender ' since beginning of this year, the problem persists. As of the end of XXXX, XXXX, I continue to receive sensitive financial information not intended for me. 

This situation raises concerns about potential identity theft, credit reporting errors, and misuse of my address for financial purposes. I have attempted to contact Chase and XXXX, in late XXXX but have not fully resolved the issue. Even though these specific institutions that I have contacted have stopped sending me things from this person ( except a one other time from Chase Business ), I am still getting mail from other financial institutions with XXXX XXXX 's name and my address. 

I am seeking assistance to stop receiving these misdirected financial documents and ensure my address is not being used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX has been tasked with evaluating the financial damage caused by Bank of America blocking the use of users ' prepaid debit cards, particularly those receiving government payments during and after the pandemic. I submitted a request for a review regarding the harm I experienced. Unfortunately, XXXX XXXX did not conduct a thorough, honest, or unbiased review of my documents and unjustly denied my claim. I provided all requested information and more, yet instead of properly reviewing my submissions, they repeatedly sent emails asking for the same documents. Additionally, there is no way to speak with anyone other than their operators, who lack the information needed to address my claim. It feels like a cover-up, merely stating that the review has been completed without any genuine evaluation.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, Would you be able to assist with the American Express funds miscalculation and mismanagement?

I had to close 6 business accounts with Amex because my account had funds mismanagement.

Prior to this, I spoke with 6 representatives and 3 supervisors, and the issue never was resolved.

My credit business card had a refund/credit in the total amount of {$3200.00}.

The funds were collected by Amex and partially misused. I did not receive the full amount of credit.

Instead, they explained that the money was applied to prior purchases. Instead of the above credit amount, I received only {$2100.00} with the change.

My records indicate that I did not have any transactions at that time and they were previously paid off.

I understood that Amex can not manage the funds. The transactions they mentioned were never posted to my account.

I closed all the accounts with Amex to avoid all future issues, and the bank was supposed to refund me the credits from my credit account.

When I checked my bank account to make sure that it was closed, I found that Amex put on me a debt after the card was closed, and no transactions occurred. Basically, the refund amount turned into debt in the system, changing the sign minus to plus. 

It appears that Amex misusing people 's money. The funds get miscalculated and applied to transactions never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> EXPERIAN Re : Dispute of Inaccurate Information Under FCRA Section 1681 ( o ) Dear Sir/Madam, I am writing to formally dispute information listed on my credit report under the provisions of Section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I am entitled to dispute any information that has been negligently reported or inaccurately included on my credit file. It has come to my attention that the following information, which I believe to be incorrect or negligently reported, has been included on my credit report : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 1586**** As per the FCRA, I request that you conduct a thorough investigation into this matter. I believe that the inclusion of this incorrect information constitutes negligence, and I am seeking correction or removal of the disputed items under the civil liability provisions of Section 1681 ( o ).

I would appreciate it if you could respond within the 30-day time frame prescribed by the FCRA, as well as provide me with documentation or evidence that substantiates the accuracy of the disputed information. If you can not provide sufficient evidence, I respectfully request that the information be removed or corrected.

Please confirm that you have received this dispute and are initiating an investigation into the matter. If necessary, I am prepared to pursue further action, including filing a complaint or seeking legal redress for any violations under the FCRA.

Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation, including the specific actions taken to resolve the 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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
These numbers have been calling me for months saying theyre a debt collector. I never answer because Im weary of spam calls. I dont have any knowledge of any debt and I dont owe anything but a car loan. 
The number primarily calling me areXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have an account with PayPal Synchrony bank. 
I've been hacked for {$1100.00} on the card. The bank has been taking my credit line and eliminating it, causing a XXXX point drop in my score at all bureaus! This is the second breach on my account in 3 months.! 
Nowhere in the terms of service does it say that they can adjust your limit according to the ups and downs of your credit score! I've suffered irreparable damage that will take years to fix! 
I wish to file this complaint immediately!

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Request for Debt Validation to Help Dear Sir/Madam, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide me with the following information : XXXX. The full amount of the debt, including any interest, fees, or charges. XXXX. The name of the original creditor and their contact information. XXXX. A copy of the original signed contract or agreement that created this debt. XXXX. A detailed statement outlining the dates and amounts of all payments made, and the remaining balance on the account. XXXX. Documentation verifying that you are authorized to collect this debt on behalf of the original creditor. In accordance with the FDCPA, I ask that all collection efforts cease until you provide the requested documentation. If you can not provide the necessary validation, I request that you cease all further collection actions and remove any negative reports related to this account from my credit file. Please send the requested documentation within 30 days of receipt of this letter. If you fail to provide the validation, I will consider the debt invalid and take appropriate action. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I am writing to formally request that you immediately block and delete the following accounts and inquiries from my credit report. I am a victim of a significant data breach, and these entries are the direct result of unauthorized activity stemming from this breach. 
I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of information resulting from identity theft. The following accounts and inquiries are fraudulent and were opened or initiated without my knowledge or consent : Accounts to be Blocked and Deleted : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I WITNESSED MY CREDIT REPORT HAVE A NEW INQUIRY ON IT FROM XXXX THAT I DID NOT AUTHORIZE NOR ATTEMPT. THIS IS IDENTITY THEFT SOMEONE USED MY INFORMATION TO GET THIS ACCOUNT! PLEASE CLOSE WHATEVER THIS XXXX  THING IS AND REMOVE THE INQUIRY ASAP AS I DID NOT COMMIT IT.

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 2025-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
My credit score dropped over XXXX points over a week period for one account separated out into 4 different accounts with Aidvantage. Payments became due unaware to me 4 months ago. I was not notified correctly and I am paid up to date now. We were attempting to buy a second property and my credit was pulled a few weeks ago with a credit score over XXXX and now it is XXXX. We immediately made payments yesterday but this has now affected all of my credit and may lose my job due to my security clearance. Aidvantage said they notified me via email but I did not receive them, and I received no call, text messages or direct mail. I've reached out to Aidvantage and they only said they were sorry and that they emailed me notices, which I did not receive. I contacted XXXX and XXXX today and filed complaints. I was unable to contact XXXX as their site was having issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent accounts, as they were not opened by me 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 Amount : {$630.00} Furthermore, I request the removal of the following unauthorized inquiry made on my credit report : SYNCB - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-28 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: GA

Complaint narrative:
I am writing to formally request that you immediately block and delete the following accounts and inquiries from my credit report. I am a victim of a significant data breach, and these entries are the direct result of unauthorized activity stemming from this breach. 
I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of information resulting from identity theft. The following accounts and inquiries are fraudulent and were opened or initiated without my knowledge or consent : Accounts to be Blocked and Deleted : 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 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 XXXXXX/XX/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 2025-02-28 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: GA

Complaint narrative:
I am writing to formally request that you immediately block and delete the following accounts and inquiries from my credit report. I am a victim of a significant data breach, and these entries are the direct result of unauthorized activity stemming from this breach. 
I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of information resulting from identity theft. The following accounts and inquiries are fraudulent and were opened or initiated without my knowledge or consent : Accounts to be Blocked and Deleted : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief