vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against the company for similar violations. The rapid turnaround time of XXXX responses suggests that no meaningful review of my supporting documentation was conducted. Instead of engaging in a proper reinvestigation as required by law, Equifax appears to be relying on automated or superficial verification processes that fail to address the substantive errors I have identified. 

As a result of XXXX failure to investigate my disputes adequately, I have suffered financial harm, including but not limited to : denial of credit opportunities, higher interest rates, and damage to my credit reputation. XXXX negligence has caused undue stress and inconvenience, forcing me to repeatedly dispute the same inaccuracies without meaningful resolution. 

I am requesting that Equifax conduct a thorough reinvestigation of the disputed items, provide a detailed explanation of the steps taken, and furnish evidence supporting the accuracy of the reported information. Additionally, I seek appropriate corrective actions, including the removal of any unverifiable or inaccurate information from my credit file. 

If Equifax continues to fail in its legal obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and my state attorney generals office. I also reserve the right to pursue legal action to seek damages for XXXX noncompliance with federal consumer protection laws. 

Please consider this my formal request for compliance and immediate corrective action regarding this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I scheduled a hair appointment and sent a {$160.00} deposit via XXXX XXXX just minutes before the appointment. However, the stylist had provided the wrong address. After multiple attempts to contact her, a man with a strong XXXX accent answered the phone, making me realize I had been scammed. 

Immediately, I attempted to cancel the payment through XXXX XXXX, which initially showed as successful. Seeing that the money had already left my bank account, I also contacted my bank, Chase, to report the fraudulent charge. The customer representative informed me that the transaction was still pending and assured me that Chase would not allow it to go through. 

On XX/XX/year>, Chase reversed the {$160.00}, and a claim was opened. However, on XX/XX/XXXX, Chase sent me a letter stating that the transaction had been authorized despite their earlier assurances that it would be blocked. My claim was permanently closed. 

I then contacted customer service at XXXX XXXX on XX/XX/XXXX, but they stated they could not assist since the transaction was processed successfully on my banks end. When I contacted Chase again, they reiterated that they could do nothing despite initially telling me they would prevent the pending transaction from going through. I have fraud protection on my bank account for unauthorized charges such as this, however, due to it not being a direct debit transaction, Chase refused to uphold my fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Everyday A company from midland credit calls me saying that its a legal matter and harrasses me about a debt I never consented to totaling XXXX They say that its a lawyers office and that If I hang up they are going to knock on my door. At one point I was driving and they kept calling while I had my directions on causing me to make a wrong turn into a place that damaged my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to formally dispute the following accounts that have been reported as charge-offs on my credit report : XXXX XXXX FIN XXXX XXXX XXXX XXXX DATA IN Under consumer law, specifically the Internal Revenue Code Section XXXX, a lender or creditor is required to issue a XXXX form to the borrower when a debt is canceled or forgiven in an amount of {$600.00} or more. This is for the purpose of reporting the debt as income to the IRS. However, I have never received a XXXX form for any of the listed accounts, which indicates that the charge-offs reported on my credit report XXXX not have been handled in compliance with the law. 

According to the Fair Credit Reporting Act ( XXXX  ), if the information reported on my credit report is inaccurate or incomplete, I have the right to request that it be corrected or removed. Since these accounts have been reported as charge-offs without the necessary documentation ( the XXXX ), I am requesting that these accounts be removed immediately from my credit report. 

Please investigate this matter and provide written confirmation of the account removal within XXXX  days, as required by law. 

Thank you for your attention to 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 2025-02-27 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: Experian Information Solutions Inc.
State: CA

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
my mother has been stealing my identity i did not have a car loan with cnac

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: NY

Complaint narrative:
A received a call from a debt collection firm XXXX XXXXXXXX XXXX XXXXXXXX tel # XXXX XXXX XXXX. The call was inappropriately made to my work number. I was informed of a substantial debt ( {$11000.00} if I recall correctly ) that I was be accused of owing and asked how I want to arrange for payment. I said I don't believe I owe anything and do not recognize anything having to do with the debt. When I asked for who precisely I owed the debt to and for proof of the debt the individual who called me terminated the call. 

I believe XXXX XXXXXXXX XXXX XXXXXXXX violated the law by calling me at work, not investigating whether the debt was legitimate and not offering to provide proof of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-27 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: AL

Complaint narrative:
I am submitting this formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate addresses from my credit report. As a consumer, I have the legal right under 15 U.S. Code 1681i to dispute and have inaccurate, incomplete, or unverifiable information removed from my credit file.

The inaccurate addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have formally disputed the incorrect addresses with Experian and provided supporting documentation verifying my correct and current address. Despite my request, the bureau has failed to correct or remove these inaccuracies within the 30 day timeframe required by the FCRA. Their failure to take corrective action is a direct violation of my rights and is causing undue harm to my credit profile. 

I request the CFPBs immediate intervention to enforce compliance with federal law and ensure that these incorrect addresses are permanently removed from my credit report. I also ask that the credit bureau be held accountable for their failure to uphold consumer protection regulations.

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 2025-02-27 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: WI

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 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 2025-02-27 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: EQUIFAX, INC.
State: WI

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Hello : I just want to make you aware of this scam. 
Years ago, I had and paid off a student loan. There has never been any issue. 
Today I received a generic email that is clearly a scam. 
I hope you are still in businees and have someone to make a note of this and follow up if there is a way to. 
I did not reply to the email and intend to delete the email once I am confident this complaint has been sent to you. 
Thank you. Belows is a copy and paste of the e-mail as well as header info. 
Thank you. 
XXXX XXXX Source writer : XXXX XXXX XXXX Text of message : XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX XXXX the Student Loan Debt Department XXXX This is regarding your case number XXXX. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new XXXX  guidelines. Your file will remain open in my system for only one more day. Please give me a call at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( PST ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted in, Advertising Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NM XXXX... we are a marketing service. If you wish to contact the company mentioned, please dial the number above. If you want to get off our marketing list, go to the following link and enter your emailaddress : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
A credit card account was opened XX/XX/XXXX in my name fraudulently. I did not request the account. I tried to call to cancel the account and you can not ever actually get through to CitiCards CBNA unless you have your account number, which I don't because it is a fraud. The account shows on my credit report. 

Credit Card CITICARDS CBNA XXXX... 
{$0.00} Credit usage You aren't using this account right now. 

XXXX % BALANCE {$0.00} CREDIT LIMIT {$12000.00} Payment Status Credit Report Period XX/XX/XXXX Date of Last Payment XXXX XXXX Monthly payment Not available Statement balance Not available Payment History Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No payment history. 
Green checkmark. Meets requirement. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. 
XXXX No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. No payment history. 
XXXX XXXX. Meets requirement. 
XXXX XXXX Meets requirement. 
XXXX XXXX. Meets requirement. 
Last payment received XX/XX/XXXX Highest balance Not available Account Age XXXX months Opened on XX/XX/XXXX Account Details Account Type REVOLVING Condition Open Responsibility INDIVIDUAL Term ( in months ) Remarks Date of Account Status XX/XX/XXXX Payment Status Current Times XX/XX/XXXX Days Late XXXX / XXXX / XXXX Creditor Info CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD 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
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
XXXX XXXX sold debt that was part of identity theft to Velocity Investments. 

Velocity is still trying to collect debt Velocity is suing me right now. Please advise Velocity served my old neighbor and came to her home 3 times to serve me. This is harrasment. She told them XXXX XXXX doesn't live here they still left papers at her door step. She sent the papers back to law firm the next day They did not even have correct address

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Dear Equifax I am writing to formally dispute the accuracy of the information reported on my credit report for the following accounts : 1. **Center for Excellence in Higher Education** - Account Number XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable.

**Disputed Account Details : ** - **Account 1 : Center for Excellence in Higher Education** - Account Number : XXXX - Account Status : Collection - Balance : {$0.00} - Reported Balance : {$0.00} - High Credit : {$2400.00} - Date Opened : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX **Reasons for Dispute : ** 1. **Data Breach** : My personal data was compromised during the Equifax data breach, which has raised concerns about the accuracy and security of the information being reported. The breach has potentially led to inaccuracies in my credit report, and I request a thorough investigation into this matter.

2. **Inaccurate Reporting** : The account history shows inconsistencies in the balance, scheduled payments, actual payments, and amount past due. These discrepancies need to be verified and corrected to ensure the accuracy of my credit report. 

Under the FCRA, you are required to investigate my dispute and correct any inaccuracies within 30 days. Please provide me with a written statement of the results of your investigation and a free copy of my credit report if the dispute results in any change. 

I have attached copies of my credit report highlighting the disputed information, as well as any supporting documentation. Please update my credit report to reflect the accurate information and notify me once the corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX -- - Feel free to adjust the details and add any other account information as needed. Once you're ready, you can send this letter to the major credit bureaus to dispute the inaccuracies on your credit report. If you need further assistance, let me know!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Company was reporting XXXX balance now reporting incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
It is clear that the information reported in relation to this account is erroneous. Whether due to reporting errors, outdated information, or other discrepancies, this item does not accurately reflect my financial history. The FCRA mandates that all information reported on credit reports must be accurate and up-to-date, and this particular entry does not comply with those standards.

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