vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-19 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 recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was a victim of a phone scam that instructed me to transfer funds to a Chime user in order to secure my account. The perpetrator claimed they were a representative of my bank ( Chime ) and told me that there was fraudulent activity on my account and that I would need to transfer my funds to a colleague so that they could be transferred over. I am unfamiliar with the XXXX service offered by Chime, so I followed the instructions given. It felt concerning so I called the Chime help phone number to confirm that it was in fact a chime representative that contacted me, to which I was told that it was. However, after the 24 hour period which I was told my funds would be transferred back to me, I did not see the funds in my account, so I reached back out to the Chime help line where I was connected with a different agent who told me that the initial caller was not in-fact a representative from my bank and he was not sure why the representative I spoke with a day prior would confirm that it was. He also informed me that Chime would not reimburse me for the scam. I decided to call again and dispute the charge after I had filed a police report and spoke with another representative named XXXX who informed me that this is a known scam and helped me file the dispute. However, as of XX/XX/year> the dispute was declined and Chime stated that there was no error and they would not rectify the loss from the scam. i provided screenshots of the calls, text messages, and unauthorized login attempts to my account for the dispute, as well as provided the police report number for the report that I filed with my local police department. Chime also stated on the phone that they have evidence that the first representative I spoke with the day of the scam did in fact tell me that the call I received was not a scam and that there was no reason to worry even though that was not true. I have attempted to reopen the dispute, and was told by a different representative that it was reopened, but I have yet to receive an email or see any evidence that the dispute was reopened. Additionally, even though I did send the funds, I was mislead into believing it was to protect my account and the feature I used in app to do so I had never used before, which in my opinion should be an indicator that I did not intentionally send my funds to the scammer but rather was manipulated into doing so. Likewise, Chime stated that this is a known scam, yet they are unwilling to help and have not sent out any warnings to members about this, or how member information could have been given to scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Against Chase Bank for Unfair Account Closure and Offer Non-Payment Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against JPMorgan Chase Bank , N.A . ( Chase Bank ) regarding an unfair and deceptive business practice involving the abrupt closure of my account to avoid paying a promotional deposit. 

On XX/XX/XXXX, I opened a checking and savings account with Chase Bank as part of a promotional offer that promised a {$900.00} bonus upon meeting certain qualifying criteria. The first requirement would be met upon a deposit of {$500.00} which was quickly met and I received {$300.00}. The remaining {$600.00} would be earned after 90 days if requirements are met, which was to hold a deposit of {$15000.00} in the Chase savings account. On XX/XX/XXXX, I received a text message and email from Chase Bank informing me that my accounts would be closed as of XX/XX/XXXX- which is one day before the requirements would be complete. I called the bank customer service to understand why but no one was able to explain why. There were no regular activities on my account. I was not given any valid reason for the closure, and I believe this action was taken in bad faith to avoid honoring the promotional commitment. 

This practice is misleading and unfair to consumers who act in good faith by fulfilling the terms of an advertised offer. It also raises concerns about Chase Bank 's transparency and commitment to fair banking practices. I believe this warrants investigation and appropriate corrective action. 

I request that the CFPB investigate this matter and take appropriate steps to ensure Chase Bank honors its promotional offers and ceases any unfair account closure practices. Additionally, I seek a resolution that includes the immediate reinstatement of my account or the issuance of the promised promotional bonus. 

Thank you for your time and assistance in addressing this matter. Please keep me informed of any updates regarding my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I requested validation letter, date of last payment, original creditors name and address. In addition, request a company of original agreement with wet signature. Collection agency has reaged the debt several times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I am writing to address a serious issue with my credit report. It has come to my attention that an account listed on my file was opened using unauthorized and fraudulent use of my identity. I want to make it very clear that I did not authorize this account, nor do I have any association with it in any way.

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 2025-02-19 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXXInquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX and co : Account number XXXX Dear XXXX XXXX XXXX  : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit 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 2025-02-19 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX and co : Account number XXXX Dear XXXX XXXX XXXX  : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit 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 non-monetary relief
Consumer complaint received 2025-02-19 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: NJ

Complaint narrative:
You are the ONLY bureau reporting this account as " Current, was past due 30 days '' while XXXX and XXXX correctly report it as " Paid or paying as agreed. '' If that wasnt bad enough, your own payment history shows " OK '' every single month! How does that make any sense? How can an account be late when your own records prove otherwise? This isnt just an errorits negligence, and its damaging my credit for no reason. Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), you are legally required to ensure maximum possible accuracy. Instead, you are misreporting my account, creating unnecessary harm to my creditworthiness. Theyre also violating 15 USC 1681c-2 ( a ) by refusing to block inaccurate information even after I provided proof. Enough is enough. Im demanding that Experian correct the payment status to PAID AS AGREED immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark Financial was in ledigation with my Attorney for selling XXXX XXXX XXXX with no original Title to be presented in a Timely manner. ( Car had been Voluntary Returned ) by me to XXXXXXXX XXXX Branch to Manager XXXX. When Attorney took on case due to Severe Damages to Car with Great Maintenance issues. Found Auto had been Total Lost Damages in Auto Wreck in XXXXXXXX XXXX. ( proof of documents shared with Lendmark on hand ). Auto was Discharged as Agreed after Litigation. BUT Lendmark DID NOT REMOVE Account from Credit Reports as Requested. Left my Credit Reports with Negative Information that's keeping me from another purchase as if I was Negilant on my purchase of Auto Loan. I sent a Letter to this Finding on my Credit Reports to Lendmark on XX/XX/year> to complete the Removal Process of Account Off MY Reports. I've Not heard back from Lendmark to Complete Their Responsibility to the Order of the Case of Removing Account from XXXX, XXXX, XXXX. IT NEEDS TO BE DONE IMMEDIATELY. I have to make a car purchase to sustain my Personal Life Needs ( Employment # 1 ) .ASAP HELP NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am filing this complaint regarding unauthorized hard inquiries that have appeared on my credit report without my consent. I recently obtained copies of my credit reports from XXXX, XXXX, and XXXX, and I discovered that XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX made a hard inquiry that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ) 604, a company must have my explicit permission before pulling my credit. I have never applied for credit with this company, nor did I give them permission to conduct a hard inquiry on my credit report. 

I have already attempted to resolve this matter by disputing the unauthorized inquiry with the credit bureaus and directly contacting the company responsible. Despite my efforts, the inquiry has not been removed, and I have not received any proof of authorization. This is a violation of my consumer rights under the FCRA, and it has negatively impacted my credit score. 

I am formally requesting that the CFPB investigate this matter and take appropriate action to have this unauthorized inquiry removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your resolution. Please keep me informed of any updates regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
they have these on my credit as collection with XXXX  XXXX that i have borrowed anything from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation