vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XX/XX/year> Chase bank has stranded me in XXXX XXXX without access to my funds. 

I have been attempting a wire transfer between my Chase account and my account at XXXX. This has been ongoing for over 3 days. XXXX or more attempts have been made ; every time, " the system '', which is mostly automated, automatically denies my transfer & locks down my account profile. I must then call Customer Service ( Fraud Protection ) to have my profile unlocked ; in my 30+ calls to Chase , no one I have spoken to has been empowered to do anything for me except follow a pre-set script of intstructions or advice. Every call that I make requires a time investment of :15 to :30 minutes. I have tried to perform transfers while on the phone with a Customer Service rep for hand-holding ; all they can do is direct me to take the exact same steps/actions that I have already tried numerous times. 

I have tried to bypass this by contacting the Branch Manager at my local XXXX, XXXX branch ; her only contribution was to re-direct my call back to the Customer Service department ( which, based on the accents I hear, is overseas ). I have also tried to contact the JPMorganChase XXXX XXXX Customer Service ( XXXX XXXX ) directly by e-mail ; I have not heard back. 

I have tried to wire my funds through XXXX XXXX, also through XXXX. The same result happens ; Chase denies the transfer, and locks my profile. 

I tried to do this with the assistance of my banker at XXXX ; this situation isn't her fault, the problem is entirely on Chase 's end. 

I have already signed a lease, placed a deposit, and enough for my first week of rent. Thank XXXX I travel with a few XXXX in cash. This will only last for a few more days ; if I do not continue to make the scheduled payments I have signed my name to, I will default on my lease and lose everything. 

I am in genuine danger of becoming a homeless XXXX in a foreign country.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I can't understand why they're there. I routinely check my report, but this time I noticed unexpected errors. I even refreshed my browser to rule out a glitch, but the false accounts remained. Because of this, I kindly request a thorough review of the documents I've submitted so I can stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate items reported on my credit file by XXXX. At the beginning of XX/XX/2024, I discovered that I was a victim of identity theft. On XXXX, 2024, I filed an FTC Identity Theft Report to document the fraudulent activity. Subsequently, on XX/XX/2024, I created multiple disputes with XXXX under the identity theft reporting process, providing all necessary supporting documentation. 

Despite these efforts, the inaccurate items remain unresolved. The credit reporting agency has failed to act in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within 4 business days after receiving proof of identity theft. Additionally, the FCRA mandates that credit reporting agencies must either verify disputed information as accurate or remove it promptly if they can not substantiate it. As of XX/XX/2024 XXXX has failed to comply with these requirements. 

This delay is causing undue hardship and potential harm to my creditworthiness. I am seeking your assistance in holding XXXX accountable for their noncompliance with federal law. Specifically, I request that the inaccurate items on my credit report be removed immediately and that XXXX comply with the FCRAs requirements to address disputes and identity theft claims promptly. 

Thank you for your time and attention to this matter. Please let me know if additional details or documentation are required to assist in resolving this issue.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate items reported on my credit file by XXXX. At the beginning of XX/XX/2024, I discovered that I was a victim of identity theft. On XXXX XXXX, I filed an FTC Identity Theft Report to document the fraudulent activity. Subsequently, on XX/XX/2024, I created multiple disputes with XXXX under the identity theft reporting process, providing all necessary supporting documentation. 

Despite these efforts, the inaccurate items remain unresolved. The credit reporting agency has failed to act in compliance with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 605B, credit reporting agencies are required to block information resulting from identity theft within 4 business days after receiving proof of identity theft. Additionally, the FCRA mandates that credit reporting agencies must either verify disputed information as accurate or remove it promptly if they can not substantiate it. As of XX/XX/2024 XXXX has failed to comply with these requirements. 

This delay is causing undue hardship and potential harm to my creditworthiness. I am seeking your assistance in holding XXXX accountable for their noncompliance with federal law. Specifically, I request that the inaccurate items on my credit report be removed immediately and that XXXX comply with the FCRAs requirements to address disputes and identity theft claims promptly. 

Thank you for your time and attention to this matter. Please let me know if additional details or documentation are required to assist in resolving this issue.

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 2025-01-10 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:
someone has my social security number and using it to open credit cards and internet account with my information. there are also fraudulant address reporting on my credit reports which do not belong to me and are fruad i have called experian and they told me that they can not remove the fruadulant address because they are tied in to the fruadulant accounts that are reporting on my experian report

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 2025-01-10 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: NJ

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 of my FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support 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. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/2025 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 this fraudulent account 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 new financial products. 

I have requested contracts from this company with my information but I have not received any response from them, please help me immediately delete this account. 

Here I add the FTC report hoping that you make a better decision in m y situation. 

Thak 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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am filing this complaint to report illegal practices by Cavalry Portfolio Services, including violations of arbitration clauses in the original creditor agreements, improper handling of bankruptcy-related data, and breaches of federal consumer protection laws, specifically under the Fair Credit Reporting Act ( FCRA ) and privacy statutes. 
Accounts in Question : Account # : XXXX Balance Owed : {$22000.00} Date Opened : XXXX Dispute Status : Disputed by Consumer Last Reported : XXXX Account # : XXXX Balance Owed : {$2100.00} Date Opened : XXXX Dispute Status : Disputed by Consumer Last Reported : XXXX Account # : XXXX Balance Owed : {$1300.00} Date Opened : XXXX Dispute Status : Disputed by Consumer Last Reported : XXXX Specific Violations : Violation of Original Creditor Arbitration Clauses : Cavalry Portfolio Services is attempting to collect on debts despite the arbitration clause in the original creditor agreements, which prohibits legal actions outside arbitration. 
By pursuing collection activities without adhering to the arbitration process, Cavalry Portfolio Services has breached the terms of the agreements.

FCRA Violations Unverified and Incorrect Reporting : Cavalry Portfolio Services reported these accounts as " Collection or Charge Off '' without proper verification of the debts. 
The information on these accounts, including balances and statuses, remains disputed, yet Cavalry Portfolio Services continues to report them inaccurately to XXXX, XXXX, and XXXX. 
Outdated or Incorrect Reporting of Bankruptcy Data : Cavalry Portfolio Services failed to ensure maximum possible accuracy in reporting information related to these accounts, as required by 15 U.S. Code 1681e ( b ).

Violation of Consumer Privacy Rights : Cavalry Portfolio Services relied on third-party vendors or automated systems to collect and verify bankruptcy-related data.

Sharing consumer information ( e.g., name, Social Security number ) with third parties for these purposes constitutes an unauthorized disclosure, violating privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 
The courts have explicitly stated they do not verify data or work in concert with CRAs or collection agencies. Thus, the reliance on such unverified data is a breach of federal privacy protections. 
Consumer Harm : These actions have caused substantial harm, including : Lowered Credit Scores : Due to inaccurate reporting, my credit score has been negatively impacted. 
Emotional Distress : I have faced undue stress in disputing these inaccuracies and navigating their financial consequences. 
Financial Barriers : The inaccurate reporting has led to higher interest rates, credit denials, and restricted access to financial products

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score

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 2025-01-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of account below has violated my federally protected consumer rights tp privacy and confidentially under 15 USC 1681. 

Account Name # XXXX Account Number # XXXX Account Name # XXXX Account Number # XXXX Account Name # XXXX XXXX Account Number # XXXX Account Name # XXXX XXXX XXXX Account Number # XXXX, has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incompleted and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681! 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-10 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I saw inaccurate accounts appear on my credit report today, and Im unsure how they got there. During my usual review, I noticed some unexpected errors. I tried refreshing my browser in case it was a technical issue, but nothing changed. Because of this problem, I kindly ask that my submitted documents be carefully reviewed so I wont have to deal with this concern again.

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 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: FL

Complaint narrative:
am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should remove it from my credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
Today, I found errors on my credit report that I cant explain. I routinely check my report, but this time unfamiliar accounts showed up. I tried refreshing the page, thinking it might be a system error, but the incorrect information stayed. Because of this, Im asking for a careful review of the documents Ive provided to prevent this issue from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-10 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 called the fraud department both calls took over a hour the first agent told me they blocked and removed the two fraudulent accounts but the second one told me the accounts doesnt qualify. I been trying for months on this. I showed my ftc which I attached I had two XXXX XXXX XXXX blockedXX/XX/XXXXand after the agent claim they couldnt see a clear copy of drivers license I just want to be treated fair Report Number : XXXX please look into 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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation