vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Summary : I was looking for a job for quite a long time in XXXX. I was looking at several different online job recruiting websites, one day I got an email from XXXX as a potential job opportunity. XXXX was for a XXXX XXXX for a XXXX  who claimed he was working overseas at the time. His name was XXXX XXXX. He said he had to email me a check because he would not be back to XXXX. As part of the application process, he requested my resume and a photo of my license, which I provided. He then emailed me a check for {$1900.00}, instructing me to print and deposit it. Following his instructions, I printed the emailed check and deposited it at a Chase Bank branch. Unfortunately, after the check was deposited, he withdrew the funds and completely drained my account. His bank was XXXX XXXX and mine, Chase. After he drained my account I immediately went right to Chase to make this right but they have frozen my account and will not let me do business until my account is not negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-27 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: OK

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I am submitting this report regarding an identity theft incident. I discovered that my personal information had been stolen when I noticed unfamiliar transactions on my credit statement. As a result of this incident, I have experienced significant emotional and financial distress. My credit score has been negatively affected, and I've been unable to access credit for necessary purchases. Additionally, I have spent hours communicating with various organizations to resolve this matter, causing disruption in my personal life.

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 2025-03-27 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: WI

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit reports from TransUnion, Experian, and Equifax and identified several discrepancies regarding an account listed as an installment secured loan with the account number XXXX ( TransUnion ), XXXX ( Experian ), and XXXX ( Equifax ). These inconsistencies may indicate a violation of Metro 2 reporting standards, and I request that you investigate and correct the errors promptly. 

Below are the discrepancies I have identified for this account across the three bureaus : FieldTransUnionExperianEquifaxAccount # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 1. Account Number : TransUnion lists the account number as XXXX, while Experian and Equifax list it as XXXX. The prefix and length differ, which may cause confusion or mismatching of the account. 
2. Account Status : TransUnion reports the account as Closed, while Experian and Equifax report it as Paid. This inconsistency in status reporting is misleading. 
3. Date Opened : TransUnion shows the account opened on XX/XX/XXXX, while Experian and Equifax show XX/XX/XXXX, a 19-day discrepancy that may affect credit scoring. 
4. Last Reported : The Last Reported dates vary : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ). This range suggests inconsistent reporting by the furnisher. 
5. Comments : TransUnion notes Closed, Equifax notes Account/Zero Balance Secured, and Experian provides no comment, leading to inconsistent detail. 
6. Date Last Active : TransUnion reports XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX, affecting the perceived recency of activity. 
7. Date of Last Payment : TransUnion and Experian report XX/XX/XXXX, while Equifax reports XX/XX/XXXX, which may impact my payment history. 

These discrepancies may affect my credit score and cause confusion when reviewing my credit history. Under the FCRA, I am entitled to an accurate credit report, and I believe these inconsistencies may stem from improper Metro 2 compliance by the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: WI

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit reports from TransUnion, Experian, and Equifax and identified several discrepancies regarding an account listed as an installment secured loan with the account number XXXX ( TransUnion ), XXXX ( Experian ), and XXXX ( Equifax ). These inconsistencies may indicate a violation of Metro 2 reporting standards, and I request that you investigate and correct the errors promptly. 

Below are the discrepancies I have identified for this account across the three bureaus : FieldTransUnionExperianEquifaxAccount # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 1. Account Number : TransUnion lists the account number as XXXX, while Experian and Equifax list it as XXXX. The prefix and length differ, which may cause confusion or mismatching of the account. 
2. Account Status : TransUnion reports the account as Closed, while Experian and Equifax report it as Paid. This inconsistency in status reporting is misleading. 
3. Date Opened : TransUnion shows the account opened on XX/XX/XXXX, while Experian and Equifax show XX/XX/XXXX, a 19-day discrepancy that may affect credit scoring. 
4. Last Reported : The Last Reported dates vary : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ). This range suggests inconsistent reporting by the furnisher. 
5. Comments : TransUnion notes Closed, Equifax notes Account/Zero Balance Secured, and Experian provides no comment, leading to inconsistent detail. 
6. Date Last Active : TransUnion reports XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX, affecting the perceived recency of activity. 
7. Date of Last Payment : TransUnion and Experian report XX/XX/XXXX, while Equifax reports XX/XX/XXXX, which may impact my payment history. 

These discrepancies may affect my credit score and cause confusion when reviewing my credit history. Under the FCRA, I am entitled to an accurate credit report, and I believe these inconsistencies may stem from improper Metro 2 compliance by the furnisher.

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 2025-03-27 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: PNC Bank N.A.
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B ( 15 U.S.C. 1681c-2 ). Multiple unauthorized credit inquiries are being reported on my consumer credit file that I did not authorize, initiate, or apply for. These entries are fraudulent and are the result of identity theft. 

The disputed inquiries include : XXXX  XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> I have submitted an official FTC Identity Theft Affidavit ( Report # XXXX ) and am exercising my rights under the FCRA. These inquiries were made without a permissible purpose and do not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX, which RoundPoint Mortgage responded to with a repeated boilerplate message that failed to address the key issues and documented violations. On XX/XX/XXXX, RoundPoint imposed a {$9.00} XXXX XXXX ( XXXX  ) charge for XX/XX/XXXX, applied 75 days after the alleged lapse in coverage, which violates RESPAs 60-day limit under 12 CFR 1024.37. They also sent a misleading Second and Final Notice on XX/XX/XXXX, XXXXafter the XXXX had already been placedfalsely suggesting I still had time to provide proof of insurance, even though I had submitted proof in advance. After I formally disputed the charge under RESPA ( 12 CFR 1024.35 ), RoundPoint responded late and failed to address any of the legal issues raised. They eventually refunded the {$9.00} but misclassified the refund as an Escrow Advance Reversal, despite the fact that my mortgage has no escrow account. This misclassification creates a false escrow history and raises the risk of future forced escrow. RoundPoint has also refused to provide written confirmation that no escrow account exists or will be imposed, despite multiple written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have credit inquiries that I have no knowledge of. I did not authorize any of these lenders to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
I have credit inquiries that I have no knowledge of. I did not authorize any of these lenders to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have credit inquiries that I have no knowledge of. I did not authorize any of these lenders to run my credit.

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 2025-03-27 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: LA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-27 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: IL

Complaint narrative:
I want to inform the Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this inaccurate account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to REMOVE any items listed in Identity Theft. Again, please remove this account immediately. 

XXXX XXXX  Original Creditor : XXXX XXXX XXXX A XXXX Balance {$2600.00}

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 2025-03-27 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:
I want to inform the Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this inaccurate account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to REMOVE any items listed in Identity Theft. Again, please remove this account immediately. 
XXXX XXXX XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NJ

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-27 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: TX

Complaint narrative:
Ive paid off about 8 credit cards collections within the last month or show and i have yet to get removed even though balances show {$0.00} dollars and paid in full. I have letters account settled or paid in full. Yet i have yet to have them removed still showing on equifax and fico and experian

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive paid off about 8 credit cards collections within the last month or show and i have yet to get removed even though balances show {$0.00} dollars and paid in full. I have letters account settled or paid in full. Yet i have yet to have them removed still showing on equifax and fico and experian

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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX, I sent in my request to cancel via certified letter. They refused to cancel my membership. Apparently this is quite common with XXXX XXXX. They hold folks XXXX. I have not entered their facilities since XX/XX/XXXX. I informed the staff, to cancel my membership due to health reasons and becoming XXXX. These people try to extort people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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