vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am writing to file a complaint against Chase Bank regarding the abrupt closure of my active checking and savings accounts in XX/XX/XXXX, which I discovered in early XX/XX/XXXX. I was not provided any prior notification before the accounts were closed. When I contacted customer service, they informed me that the accounts can not be reopened and that the remaining funds in the accounts would be sent to me via check. 

However, I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is highly unlikely that I will be able to receive the mailed check due to international mailing challenges. Additionally, I have no way to visit a branch in person. The funds from my accounts are essentially inaccessible, and all account information has been removed from my Chase mobile app. Customer service mentioned that the checks can not be tracked, leaving me in a position where I am unable to locate my money or regain access to my accounts. 

I urgently need assistance in recovering my funds and addressing this issue, as this situation has caused me significant distress and financial uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Hi I have called contacted this company XXXX already deleted this from my credit report I called Lvnv funding back they wont deleted this inaccuracy from XXXX or XXXX. This is a violation of my consumer law rights please delete immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Radius Global Solutions LLC
State: KY

Complaint narrative:
While reviewing my credit report I noticed accounts on the report that I did not open or give anyone permission to open.

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 2025-01-07 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: Self Financial Inc.
State: KY

Complaint narrative:
While reviewing my credit report I noticed accounts on the report that I did not open or give anyone permission to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MI

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. 

Chapter 7 Bankruptcy Chapter 7 Bankruptcy STATE OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
Hi, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. They were removed in the past but have been added back without my knowledge. I have not been notified of this change, nor have I received any mail regarding it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis violated my privacy rights. they took my Information off of Pacer Service Center and gave it to the Credit bureaus. According to the fair credit reporting act all information must be 100 % accurate and reported through the original creditors bureaus. In this dispute the original creditors is the United States Bankruptcy Court. I have documentation stating they do not report nor verify any Information with any of the Credit Bureaus nor LexisNexis. In this case my privacy rights was violated by LexisNexis I Demand this Public Record to be Deleted from My file Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I complained about this matter. They sent a letter. I attached. 



This is the second time I have received this letter from XXXX XXXXXXXX XXXX. 
What I want to know is, XXXX. Why did Wells Fargo Bank issue a check with mine and my husband 's name and my home address on it and why did they send it to my address? I have had a mortgage on our previous house from Wells Fargo for over XXXX years. That is why they issued us the check. 
XXXX. Why did they say that the check was payable to XXXX XXXX XXXX for {$5000.00}? 
XXXX. And if the check was issued in my name, then it is mine and I should be able to use it where I want, so why is Wells Fargo ordering me to pay back {$5000.00} that I owe on my credit card XXXX? 
XXXX. I made a deposit of {$10000.00} ( XX/XX/XXXX ) to pay off my credit card debt ( XXXX ), {$5000.00} of which was used to pay off my credit card ( XXXX ) debt ( XX/XX/XXXX ), and the remaining {$5000.00} was taken out of my account as a payment to my credit card ( XXXX ) ( XX/XX/XXXX ). XXXX  XXXX XXXX took the card ( XXXX ) debt twice. I found it on XX/XX/XXXX, my XXXX account shows a bill payment for my credit card ( XXXX XXXX XXXX XXXX ), but my credit card ( XXXX ) account does not show the payment. And XXXX XXXX  XXXX keeps calling me to pay my credit card debt and they are charging me {$120.00} ( XX/XX/XXXX ) in interest. 

I would like to get answers to my questions XXXX, XXXX, XXXX, XXXX, and I would like the XXXX to answer these questions. I would like to ask the XXXX, not XXXX XXXX  XXXX. 

Thank you. 
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 2025-01-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Consumer loan with affirm. I am expressing my basic consumer rights. To be informed. About the initial contract in this consumer credit transaction. I also have a right to redress this contract. This consumer credit transaction was secured by the consumer principal collateral. Which the consumer was given a finance charge. In accordance with 15 usc 1605 ( a ) finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. In this contract agreement. The consumer has contractual duties and obligations on behalf of the principal. The loan ID # XXXX has XXXX truth in lending disclosure. Number ( XXXX ) your right to repay. You may prepay your loan in full or in part at any time without penalty. Also number ( XXXX ) says application of payments. Payments are allocated first to interest and then to principal. In this contract agreement the principal is owed interest. Affirm has received my DURABLE POA. And has excepted my POA as I will show in my documents. My contractual obligations is to act on the principals behalf to receive all interest owed to the principal. With the interest I want to transfer the principals balance to the principals account to set-off the debt. My contractual obligations is to preform this on behalf of the principal. Affirm or XXXX bank has duties and obligations to this contract so I can preform and do my contractual duties. If not. This is a breach of contract on affirm and XXXX bank behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have not lived in or been to the house since XXXX XXXX. The house has been vacant since then. foreclosure on the home still homeless and XXXX XXXX withdrew XXXX from my account. 


I am a XXXX XXXX XXXX XXXX XXXX  veteran living in hotels and in my car that they happily gave me a loan but I was not able to obtain housing. 

I have submitted numerous complaints and not XXXX complaint has been addressed. 

I am still being harassed by this bank, they have frozen my card alleging unauthorized transaction yet I have told them numerous times it is not. 
they still refuse my constitutional rights are constantly being violated by this bank. 
XXXX civil rights XXXX XXXX XXXX XXXX housing are just a few that they continue to violate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Subject : Complaint Regarding Collection Agency 's Violation of Consumer Protection Laws To Whom It May Concern : I am filing this formal complaint against Portfolio Recovery Associates , LLC for their violations of federal consumer protection laws and regulations. The following accounts are in violation of these laws : PORTFOLIO RECOV ASSOCIATES, XXXX ACCOUNT # XXXX AMOUNT : {$2800.00} The violations include, but are not limited to, the following : Failure to Provide Validation Information : \nUnder 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information when reporting a debt. To date, this has not been furnished, yet they have placed a collection on my consumer report.

Lack of Opportunity to Dispute : \nPursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I must be provided an opportunity to dispute the account before any adverse action is taken. This opportunity has been denied.

Use of False, Misleading, and Deceptive Practices : \nThe collection agency has violated my consumer rights under 15 USC 1692e by employing false, misleading, and deceptive means in their communications and reporting practices. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies : \nThe collection agency has no legal authority to furnish accounts to consumer reporting agencies without first providing all disclosures required by law. This constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Additional Requests and Concerns : Request for Validation : \nI am requesting full validation of the alleged debt under 15 USC 1692g. This includes a complete itemization of the debt, evidence that I owe the alleged amount, and the original creditors name and address. 
Request for Purchase Agreement : \nI am requesting a copy of the purchase agreement or contract between your agency and the original creditor, as this is necessary to establish your legal right to collect on the alleged debt.

Proof of Licensing and Bonding : \nI am requesting proof that your agency is licensed and bonded to operate as a collection agency in my state.

Failure to address these issues and provide the requested documentation in accordance with federal laws and regulations will result in further legal action, including complaints to the Federal Trade Commission ( FTC ) and potential litigation.

I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and take immediate action to ensure this collection agency is held accountable for their unlawful actions and that these accounts are removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank refuses to acknowledge a data error within their systems. 
XXXX XXXX disbursed XXXX debt consolidation checks for Rooms to Go, Lowes, and Amazon XXXX. A Synchrony Bank representative placed the payment ( {$1100.00} ) for an Amazon XXXX Account to Rooms to Go account. By the way, the XXXX credit cards just mentioned are financed by Synchrony Bank. When I called back for them to correct the error, the representative placed the Amazon XXXX payment to the correct account. However, the Amazon XXXX payment ( {$1100.00} ) was left on the Rooms to Go as a purchase. A Synchrony Bank representative labeled the ( {$1100.00} ) as a purchase on the Rooms to Go 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 2025-01-06 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: GA

Complaint narrative:
I am filing this formal complaint against Equifax for their failure to properly address fraudulent accounts on my credit report, their improper re-insertion of previously removed accounts without notification, and their refusal to remove additional fraudulent accounts despite the submission of sufficient documentation. These actions constitute clear violations of the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Fraudulent Accounts in Question : XXXX XXXX : Account # XXXX | Balance : {$21000.00} XXXX XXXX  : Account # XXXX | Balance : {$6600.00} XXXX XXXX  : Account # XXXX | Balance : {$13000.00} XXXX XXXX : Account # XXXX | Balance : {$19000.00} Timeline of Events : On XX/XX/XXXX, I mailed a formal dispute to Equifax regarding the above accounts, providing an affidavit of identity theft, a police report, a copy of my government-issued ID, and proof of address. 

On XX/XX/XXXX, Equifax removed the following accounts from my credit report : XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX On XX/XX/XXXX, these accounts were re-added to my credit report without any prior notification, in direct violation of FCRA ( 611 ( a ) ( 5 ) ( B ) ), which requires credit reporting agencies to notify the consumer before re-inserting previously removed information. 

Additionally, my dispute of XXXX XXXX : Account # XXXX was not resolved. Despite providing all required documentation, Equifax has refused to remove this account from my report, violating FCRA ( 605B ), which mandates the blocking and removal of fraudulent accounts when sufficient evidence of identity theft is submitted. 

Violations of the FCRA : Failure to Block and Remove Fraudulent Accounts ( 605B ) : Equifax did not remove XXXX XXXX  : Account # XXXX despite receiving sufficient documentation, including an affidavit of identity theft and a police report. Improper Re-Insertion of Information ( 611 ( a ) ( 5 ) ( B ) ) : Equifax re-added the XXXX XXXX and XXXX XXXX  accounts without providing prior notice or justification, as required by law.Failure to Conduct a Reasonable Investigation ( 611 ( a ) ( 1 ) ( A ) ) : Equifaxs handling of my disputes demonstrates a lack of diligence and failure to adhere to FCRA requirements for investigating disputes. XXXX failure to comply with federal regulations has caused significant harm and stress. I request that the CFPB investigate this matter promptly and take action to hold Equifax accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Personal information was leaked by a data breach From XXXX in which made several things on my report where and not linked to me at all. Addresses and names even some debts. I have filed for them to be removed and never hear back.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: MA

Complaint narrative:
XXXX recently reduced my XXXX credit score to " Unscorable '' and said it's due to me have no credit activity within the last six months ; however, I do in fact have an ACTIVE/OPEN account at this time. I have an open federal student loan through Mohela/the U.S. Department of Education .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation