vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: FL

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital Systems LLC has attempted to collect on an alleged debt that I do not recognize and believe to be invalid and was part of a data breach. I was contacted regarding this debt, which was stated to be {$580.00}. Despite my repeated requests for proper validation of the debt, Jefferson Capital Systems LLC has failed to provide adequate proof that the debt is mine and not a part of some fraudulent acitivity due to a data breach or that it is legitimate.

Specifically, I requested : A full itemized accounting of the debt, including the original creditor, dates of the alleged debt, and how the amount was calculated.

Proof that Jefferson Capital Systems LLC has the legal authority to collect on this debt.

Documentation showing that this debt is valid and not the result of identity theft, clerical error, or other issues.

To date, Jefferson Capital Systems LLC has not p
rovided any of the requested documentation. Instead, they continue to report this debt on my credit report, which is damaging my credit score and financial standing. Their failure to provide the required proof is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

I believe this debt may have been assigned or sold improperly, or it may have been created due to errors or fraudulent activity. Jefferson Capital Systems LLCs collection practices have caused unnecessary stress and financial harm.

I am requesting that the CFPB intervene to ensure that Jefferson Capital Systems LLC : Provides full validation of the alleged debt, including all supporting documentation, or ceases all collection efforts immediately. 
Removes any inaccurate or unverifiable information related to this debt from my credit report. 
Complies with federal and state laws governing debt collection practices moving forward. 
Their lack of transparency and failure to comply with my requests for validation undermines consumer protections and creates undue harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 reaching out for your assistance in reviewing accounts from these companies that are inaccurately reporting late payments. After checking my credit report, I noticed certain accounts showing late payments, which is incorrect. These accounts should not have any late payment remarks.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My XXXX XXXX started on XX/XX/XXXX and when filing my XXXX application to EDD, I selected the Prepaid Card thinking I would access the funds faster and securely. 

About 6 weeks have passed I never receive any card, I contacted XXXX XXXX on XX/XX/XXXX and to my surprised, the agent told me that the card was already activated and that there's only {$0.00} on my account. I asked for list of the unauthorized transactions that were made : ( XX/XX/XXXX {$490.00} XXXX XXXX {$1000.00} XXXX XXXX {$900.00} XXXX XXXX ) ( XX/XX/XXXX {$580.00} XXXX XXXX XXXX ) ( XX/XX/XXXX {$350.00} XXXX XXXX ) These are unauthorized transactions because we never receive any card on our home address. They issued 2nd card, I never receive. I finally received the 3rd card on XX/XX/XXXX via XXXX with tracking number. 

Dispute Timeline with XXXX : XX/XX/XXXX - I sent the dispute form via email XX/XX/XXXX - dispute denied due to " Digital Validation '', which I never did, staff said to resend the same email/pdf and write APPEAL XX/XX/XXXX to XX/XX/XXXX - I have been calling for status and says its still pending, company said it will take 45-90 days. I cooperated and gave them time. 
XX/XX/XXXX ( XXXX dates since the appeal ) - still no status, their supervisor said it will forward to fraud team XX/XX/XXXX- they said the result is " Denial Stands '' and their supervisor couldn't help me any further but to submit another APPEAL that would take up to 90 days again but without any additional information, the result would most likely be " Denied '' 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 2025-02-05 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: CT

Complaint narrative:
Hello, XXXX XXXX  is incorrectly reporting that my 2nd mortgage payments are delinquent for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX through XX/XX/XXXX They are also reporting 'Unknown '' for XX/XX/XXXX and XXXX through XX/XX/XXXX. 

This incorrect reporting is preventing me from qualifying for an auto loan and I need this corrected ASAP.

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 2025-02-05 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have explained to Westlake Financial Services my inability to pay at this time. They informed me that collections calls wouldnt stop which I under stand. However they call me at least 8 times a day every day and send text messages. Just this morning XX/XX/XXXX between the hours of XXXX and XXXX I have received 5 calls and 2 text messages from them some back to back. I feel like this is harassment and that they shouldnt call me this much. I allowed them to repossess the vehicle I even helped the tow truck driver load 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 2025-02-05 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on MY Credit Report Dear Equifax, I am Writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my own rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These include practices, as outlined by the CFPB, Include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  - {$660.00} XXXX XXXX - XXXX - {$390.00} XXXX - XXXX  - {$380.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Capital Bank 's clerk made a mistake with my XXXX payment check. The mistake invalidated the check and I was charged {$170.00} for fees and interest because their terms state they are not responsible if their clerk makes a mistake when processing the check electronically. My bank verified that the check was valid and was not a Stop Payment as they have stated. Their clerk apparently tore up the check. They reported that they gave me a partial refund of the {$170.00}, but to date I have received no written evidence of this. They refused to send me my XXXX bill because there was a credit. When I asked for the bill to date, they stated they will not be sending it until XXXX XXXX -- about a month from now. There is no communication as usual. I sent my check to them on XXXX XXXX and it was received on XXXX XXXX, which is not late. The bank verified the check was valid, but they keep insisting it wasn't and hide behind their terms that state that they are not responsible for clerical errors when the check is processed electronically. The customer also has no say over whether they want it processed electronically. They have not communicated to me at all since I made my initial complaint. They have told you that they gave me a refund, but I have not seen it nor did I get any bill at all in XXXX and will not see one until the first week of XXXX. Finally, since their clerk did process it incorrectly, i feel the entire amount of {$170.00} should be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
I'm constantly receiving repeated phone calls from ARS. I have no knowledge of this company, nor have I done business with them, yet they are requesting my consumer report without a permissible cause. Pursuant to 15 USC 1692c 805 of The Fair Debt Collection Practices Act, I demand this company cease all communication with me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc.
State: MO

Complaint narrative:
Having money and payment delayed also in the delaying of funds not being able to communicate with anyone about my issues. Cash app has always been something I can depend on, but maybe XXXX years in it just became hectic and not having someone to communicate about the issues was major. It still is a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have been a Chase customer forever with a XXXX XXXX card. recently, I got a Chase Sapphire card. I never got my first statement, so I went onto their app and saw I owed {$28.00} which I paid. That was XXXX months ago. In the last XXXX months I got the statements for the balance due and in both months I made the full payment of that month 's statement balance. I was charged {$79.00} one month and {$75.00} for interest the next month even though I made the full statement balance on or before the due date. I spoke to them on the phone and told me that because I wasn't making the payment for the whole balance to date, not the statement I received, they had the right to charge me interest. They are very fraudulent never was I directed by anyone at Chase to pay anything other than the statement balance or I would continue to pay interest. I have never had an issue with my other card but this is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Subject : Demand for Removal of Inaccurate Negative Items Under XXXX U.S. CXXXX XXXXXXXX Civil Liability for Noncompliance To Whom It May Concern, I am writing to formally dispute the accuracy of negative items on my credit report and demand their immediate removal. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlights ongoing failures in properly investigating credit report errors, violating the Fair Credit Reporting Act ( FCRA ). Given this, I have reason to believe that your agencies have engaged in improper investigative practices regarding my disputes. 

Under XXXX U.S. CXXXX XXXX, you are legally liable for damages resulting from negligent noncompliance with the FCRA. Failure to conduct thorough, fair, and timely investigations into my disputes constitutes a clear violation of this statute. I have previously disputed the following inaccurate negative items, yet they remain on my credit report : [ List the specific accounts, creditors, or inaccuracies you are disputing ] As mandated by the FCRA, I request the immediate removal of these negative items from my credit report and a written confirmation of their deletion. If your agencies fail to comply, I am prepared to pursue all legal remedies available, including seeking damages for your negligence. 

Please provide a written response confirming compliance within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation