vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
the application twice by mistake and i went to the bank to get help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal XXXX for XXXX : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Phone Scam and Fraudulent XXXX Transactions Report Reporting Individual : Name : XXXX XXXX Incident Date : XX/XX/year> Incident Summary : On XX/XX/year>, I received a phone call from a number that appeared to be from Chase Bank : XXXX. The caller, who had a foreign accent, claimed to be from the Chase Fraud Department and stated that there was suspicious activity involving my XXXX account. 
Believing the call was legitimate ( as it appeared to be coming from an official Chase number ), I followed the caller 's instructions to verify and " reverse '' fraudulent transactions. Unfortunately, this led to two unauthorized XXXX transfers being initiated from my account : 1 {$2000.00} sent to XXXX XXXX, Phone : XXXX XXXX {$500.00} sent to XXXX XXXX XXXX XXXX, Phone : XXXX The caller claimed the {$500.00} transaction was necessary to reverse the previous one. After becoming suspicious, I contacted Chase Bank directly. They informed me that I had been scammed. Fortunately, they were able to recover the {$500.00} transaction, but the {$2000.00} transfer had already cleared and could not be reversed. 
Follow-Up Contact from Scammer : The next day, I received a text message from the number XXXX, stating : " Contacting you to inform you that Supervisor XXXX is in a meeting. As soon as he is available, he will contact you. " This message appeared to be a continued attempt to re-engage me.

Actions Taken : I immediately reported the incident to Chase Bank.

Chase successfully stopped the {$500.00} transfer, but the {$2000.00} loss remains unrecovered. 
I am now filing this report with the appropriate cybercrime authorities. 
Details of the Scam : Spoofed Caller Number : XXXX ( appeared to be Chase Bank ) First XXXX Recipient : XXXX XXXX, Phone : XXXX Second XXXX Recipient : XXXX XXXX XXXX XXXX, Phone : XXXX Follow-Up Scam Text Number : XXXX This report is submitted in good faith with the request that the incident be investigated and the individuals responsible be held accountable. I am available to provide further information, documentation, or statements as needed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXXXX/XX/XXXX XX/XX/XXXX Experian Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXXXX/XX/XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Amount : {$3900.00} Date : XX/XX/2025 I request original signed agreement and/or signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to deposit money at a Chase Bank, but the ATM inside had just closed, so I used the XXXX right outside. I deposited {$5800.00}, all in {$100.00} bills, and it sounded like the machine had problems counting the bills. Typically, it will spit out whatever wasn't counted, but an error message appears on the screen. It said, " We're having some trouble. To be sure your deposit went through, please call us '' I called and submitted a claim. My receipt says XXXX. 

I called the number right away and had a claim made. That was on XX/XX/XXXX from XXXX and I got off the phone at XXXX. 

On XX/XX/XXXX, I received a message from Chase saying I needed to call them as soon as possible because additional information was required. I called that day, but once I connected to the claims department, they said additional information wasn't required and that they were still looking into the claim. 

On XX/XX/XXXX I received another notice that they gave me a temporary credit of {$5800.00} while they researched the transaction. 

On XX/XX/XXXX, Chase sent me a notice saying they reviewed the claim and am removing {$1300.00} from my account. I called them immediately and told them it was not right because I counted the amount several times before depositing and only deposited {$100.00} bills. There were no {$20.00} increments. The first lady on the phone did not like speaking to me and hung up without answering all my questions. I called back, and the second person said there was nothing further I could do. During XXXX of the XXXX calls, I expressed that there should be camera footage of what I was depositing, and that this is an ongoing issue, as this happened to me at the same location in the past. Once again, they said there wasn't anything I could do. 

On XX/XX/XXXX, I went to the bank where the ATM is located while they were open, and they, too, said they could not do anything to assist. 

It was my fault for assuming they had fixed their machines and deposited a large amount of cash again. I was afraid of walking around with that large amount of money and did not expect my bank to be the ones stealing my hard-earned money. It's pretty frustrating, as I have been a local customer as long as I have been of legal age to do so. I can not bank at a place with faulty machinery, which has a review process that is not correct, resulting in taking money away from the client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I received a call from a local branch in XXXX SC by a lady named XXXX that invited me to apply for a company I never heard of Security Finance. She asked for my personal details by telephone and I requested for privacy I would like to disclose my data on a secure website. I applied online and received nothing of confirming my application was received or reviewed by the company in my email. When I called to request an updated she she stated that I would need to upload my photo ID card statement stubs and proof of address within the last 45 days for the application they have on XXXX play store with the Branch # XXXX & Application # XXXX I originally proceeded to provide what I had and asked her to speak with her XXXX XXXX to let her know that I was waiting for new mail to be delivered. She insisted asking me irrelevant questions about about my federal job and asked why I traveled so much and assumed I wasn't a resident which clearly my XXXX license and documents listed accurately. I asked the next day to have my file transferred to another branch due to the lack of professionalism and unethical gossip & demanded the contact information to the Security Finance XXXX headquarters which XXXX said did not exist as if I had to only speak to her about her staffing issues. After weeks of waiting with no response I have had to ask the CFPB to notify their legal office that somebody named XXXX XXXX called me today XXXX a recorded call saying that he could not see my file which is totally inconspicuous and unfathomable. I have every record and call that was sent to this company and XXXX told me I was approved for under {$1000.00} with that XXXX XXXX XXXX mail I uploaded last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: AL

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 explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2025-04-25 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: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

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

Company 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 2025-04-25 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Management, Inc
State: SD

Complaint narrative:
On multiple occasions, I requested statements or superbills from XXXX over the phone, but received no response. On XX/XX/year>, I sent a certified mail request for these documents. In response, I received approximately XXXX XXXX  statements, each with a unique hospital statement number. However, XXXX uses its own internal account numbers and provided no information linking their account numbers to the corresponding hospital statement numbers. This lack of clarity makes it impossible for me to verify the accuracy of the debts. 

On XX/XX/year>, I sent another certified mail request, explicitly asking XXXX to provide a clear reference linking each hospital statement number to their corresponding internal account number. In response, XXXX resent the same XXXX XXXX  statements and a list of their account numbers without any correlation between the two. This failure to provide clear documentation appears to be an intentional effort to obstruct my ability to validate the debts, forcing me to accept their claims without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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

Company 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