vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to send an {$XXXX} wire transfer from my bank, XXXX XXXX, to my IRA account with XXXX XXXX. XXXX uses JP Morgan Chase, New York, as an intermediary/third-party bank receives wires from a sender and transfers the funds to XXXX. JP Morgan Chase did not have my account number in the wire ( there was no place to put the account number ), but did have that it was from me XXXX XXXX. The funds were received by JP Morgan Chase but were not sent to XXXX XXXX. JP Morgan Chase sent a return wire to me around XXXX XXXX. on XX/XX/year>, but the return amount was {$XXXX}. I contacted XXXX on XX/XX/XXXX and a few days later, XX/XX/XXXX (? ) regarding this and XXXX indicated that they did not have a record of the wire as it was not received by their institution and that I must go back through XXXX XXXX Bank. I contacted XXXX XXXX on XXXX occasions in the past XXXX weeks hoping to file a claim for the {$XXXX} that was not returned. XXXX XXXX stated that because a fee was not assessed ( only a different amount returned, {$XXXX} less ) that they could not pursue a claim. XXXX recommended I reach out to JP Morgan Chase which I did on Tuesday, XXXX XXXX, and was told by a representative that since I did not have an account they could not refund me for the {$XXXX} fee they might have assessed without my knowledge for the wire they returned. Today, XXXX XXXX, I talked with XXXX other representatives from JP Morgan Chase today hoping I would get a resolution before contacting the Consumer Financial Protection Bureau. I was finally informed that since the bank account ( provided on XXXX XXXX website ) that I sent the wire does not have my name on it, JP Morgan Chase could not send share any information they had about the wire and thus couldn't take steps to reimburse me. I am requesting that my {$XXXX} be sent back to me because I was never informed that a returned wire would incur a {$XXXX} fee. The return amount was just sent with a lesser amount of {$XXXX} without any notification from JP Chase Morgan. The wire that was sent from XXXX XXXX had the necessary information to be sent to JP Chase with my name on the wire. I am not sure why they don't have a process in place to identify XXXX XXXX customers to ensure that they know where to send the wire transfer ( or at least be able to request additional information to determine where the money should go ). I also do feel that it is illegal to return a wire that was sent and arbitrarily assess the sender {$XXXX} without their consent particularly when the sender is not an account holder with Chase. The {$XXXX} withheld was also not set up as a fee assessed so that my bank, XXXX XXXX, could pursue a claim. I am asking for your help in resolving this matter. Please let me know if you need any additional information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MN

Complaint narrative:
Request to have hard inquiries removed from my credit report that I did not request XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not nor have I applied for credit from any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-22 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: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
Hello, good afternoon, I don't know why, for some reason, Southwest Credit System did a report on my credit. According to it, it is a t mobile account. I have never had a cok t mobile account. I contacted them and they confirmed that I have never had an account with them. They, I don't know where you got that information from, I also called the agency and there is no information about me in their records, I would like to know how without having proof you report credits like that, I need you to remove that as quickly as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have noticed what appears to be a mistake on my most recent credit report, as the details do not match the information I have on file. This inconsistency is concerning, as I rely on my credit report to reflect accurate and up-to-date information. I kindly ask that you take the time to investigate this issue and make the necessary adjustments. I would greatly appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I request your assistance in investigating accounts reported by companies that have inaccurately listed late payments. After checking my credit report, I found certain accounts showing late payment remarks, which should not be there. These accounts should reflect no late remarks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
want to inform you that I have become of identity theft due to the Equifax Data Breach. These inquiries are also result of the crime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
Ive gone through my credit report and noticed some errors in how certain accounts are reported. These inaccuracies are lowering my credit score and could affect important financial decisions Im making.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX  XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX  XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my 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 2025-01-22 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: IL

Complaint narrative:
I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. Details of the Dispute Disputed Item ( XXXX ) : XXXX XXXX XXXX Account number : XXXX. The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. Copies of any and all documents used to verify the disputed information. Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I disagree with the account listed below, which still appears on my credit, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act. Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am seeking your help to investigate accounts from companies reporting late payments inaccurately. Upon reviewing my credit report, I discovered specific accounts marked with late payments, which is incorrect. There should be no late payment records on these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I was victim of ID Theft in 2023, I filed my taxes and was informed that my identity was breached. I informed Experian, and provided the proper documentation. No response as of yet. I am requesting that they delete the following accounts as request. 

-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i received a letter stating they closed my account because of repeated late payments but there were no late payments and i paid off this entire account last year. i paid them over {$2700.00} and was never late, just for them to close my account.

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 2025-01-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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