vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against XX/XX/XXXXXXXX, XXXXXX/XX/XXXX Chase, and XXXX regarding their refusal to open accounts for me, as well as the abrupt closure of my account with XX/XX/XXXXXXXX without prior notice or explanation. I believe these actions may reflect discriminatory practices against me as an XX/XX/XXXX individual. 

On several occasions, I have attempted to open accounts with these financial institutions, only to be met with refusals and no clear rationale for their decisions. Despite my efforts to seek clarification, I have received no satisfactory explanations or reasons for these denials. This lack of transparency raises concerns about potential discriminatory practices that may be at play. 

Furthermore, I would like to bring to your attention the troubling experience I had withXX/XX/XXXXXXXX. They closed my account without any notice, leaving me without access to my funds. This action has caused me significant financial distress and has further contributed to my feeling of being treated unfairly. 

I urge the OCC to investigate these matters thoroughly. It is crucial that financial institutions uphold the principles of fairness and equality in their operations, ensuring that all individuals, regardless of their background, are afforded the same opportunities and treatment. 

I appreciate your attention to this serious matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I disputed an inaccurate account from XXXX XXXX XXXX ( Account # XXXX ) with Experian, requesting a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ) ( 6 ) ( B ) ( iii ).

Experian initially verified the account without providing any details on how the verification was conducted, violating my rights under the FCRA.

I requested a description of the reinvestigation process, which Experian failed to provide. 
XXXX removed this account from my report after conducting its own review, proving that the information is unreliable. 
XXXX and Experian report conflicting information about this account, violating 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum accuracy.

Experian did not conduct a reasonable investiga
tion, as required by law and precedents like Cushman v. TransUnion Corp. and Hinkle v. Midland Credit Management , Inc.

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 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
This debt was charged off XXXXXXXX XXXX  ago. Cleary this is a ponzi scheme to swindle people by duplicitous, deplorable, despicable, larcenous, rapacious, pettifoggers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a glitch, but the issue remained. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive submitted thoroughly so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX. XXXX reports XXXX XXXX inaccurate and negative information on my credit report. It has been over XXXX days since I requested the removal of these entries, and despite my requests, the information remains unresolved, negatively impacting my credit score and my ability to obtain housing and essential services for me and my children. These negative remarks violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which mandates that information be corrected or removed from credit reports if it is found to be inaccurate or incomplete. Under the FCRA, I am entitled to dispute inaccurate entries, and XXXX XXXX has failed to meet its obligations in providing accurate information within the required time frame. Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, ensures that consumers are treated fairly in lending practices, including how information is reported to credit bureaus. The delay in removing these erroneous entries affects my ability to secure adequate housing, which in turn poses a severe financial and personal burden on me and my children. 
I request that the CFPB investigate this matter thoroughly and assist in ensuring that these negative remarks are immediately removed from my credit reports across all three bureaus. The delay in resolution has already harmed my livelihood and my familys well-being.

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 2025-03-01 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: Kriya Capital, LLC
State: AL

Complaint narrative:
I have disputed transactions with all credit agencies about a few transactions that are on my credit report that I have no knowledge of. Some are debt collection agencies that don't give out a lot of info about who the original creditor is or even the amount. I've asked what there investigations procedures are and how they decided if the information was accurate or not and I haven't gotten a response back. A few of them were deleted off my transunion credit report, but not XXXX nor XXXX. They also have phone numbers and addresses that have never been mine so not sure. These were removed and I have no knowledge of and asked for the information for each one, they were removed but only from XXXX credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I need help with my personal and business credit cards with bank of america. Bank of America closed both of my cards, without any specific reason, the reasons they told me were generic reasons. They closed my XXXX bank of america credit card also without reason at the same time. I feel that they specifically targeted us because of our ethnicity, it is not the first time I hear Bank of America closes credit cards of XXXX. I had these cards both business and personal, for a very long time and I have never done anything to cause the closure. I always made my payments on time, never missed any payment on my Bank of America cards. I am extremely disappointed how they treated me and my family, despite the fact that I am their customer for such a long time. I hope you can help me to figure out what exactly happened and help me to reinstate my accounts. I hope that it was just a mistake from their side, but a targeted act of discrimination. This accounts closure negatively impacts my credit history. Again I hope that someone from Bank of America will contact me directly to discuss how I can reinstate my cards, because I still want to believe that it is just a mistake because the letter I received regarding my closure does not contain any specific reason and I still wish to continue my long relationship with Bank of America.

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 2025-03-01 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:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected inconsistencies. I even refreshed my browser to see if it was a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have provided so that I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Transunion on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXX  XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
Hi, Im submitting this letter to because Ive been trying to dispute a few late payments on my account due to me enrolling in a payment pprogram with the companies, and they told Me nothing would be getting reported as I get caught up on past due amount due to me having a hardship in my business. And with my XXXX XXXX I have late payments because the bank reversed it for some reason and as for this month I went and made the payment but it never confirmed for some reason so it caused me to get a late payment because by the time I went in on XX/XX/XXXX it was too late. Then I receive the late payment notification on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Hi, Im submitting this letter to because Ive been trying to dispute a few late payments on my account due to me enrolling in a payment pprogram with the companies, and they told Me nothing would be getting reported as I get caught up on past due amount due to me having a hardship in my business. And with my Home Depot I have late payments because the bank reversed it for some reason and as for this month I went and made the payment but it never confirmed for some reason so it caused me to get a late payment because by the time I went in on XX/XX/XXXX it was too late. Then I receive the late payment notification on XX/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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I called chime bank on XX/XX/XXXX after I had gotten a notification stating there had been a declined debit card transaction from XXXX XXXX and the merchant is blocked in my account on XX/XX/XXXX I had them blocked as this is the second time this has happened to me now, well even with the notification and chime being aware that XXXX was blocked they still allowed them to make multiple unauthorized debits from my bank checking account on XX/XX/XXXX in the amounts of {$25.00}, {$30.00}, {$30.00}, {$30.00},, {$30.00}, {$10.00}, {$14.00} and {$22.00} for a total of {$190.00}. chime bank supervisors and customer service agents told me that when someone used my card that when the debit didn't go through for betmgm that they made another account just to be able to take my money!!! Now I don't see an establishment making a special account just to take my money but that's the excuse that chime bank gave me when I asked why they would have allowed them to take my money when they were blocked. Chime is now telling me I have to wait for these transactions to settle and then file a dispute that they won't stop the payments when they should have never let them even go through I'm beyond livid at how a bank could let a blocked merchant access XXXX of they're customers funds!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-01 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 am attaching an FTC report containing XXXX fraudulent accounts! This is not a duplicate I am addressing the issue with XXXX files not being able to be opened in a previous CFPB report containing a FTC report in accordance to FCRA XXXX 4 day block due to identity theft. In this complaint I will attach files of my drivers license and social security card with bank statement to verify my identity along with the updated FTC report to hopefully bring about a resolution of these items being blocked, removed deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am attaching an FTC report containing XXXX fraudulent accounts! This is not a duplicate I am addressing the issue with 2 files not being able to be opened in a previous CFPB report containing a FTC report in accordance to FCRA 605B 4 day block due to identity theft. In this complaint I will attach files of my drivers license and social security card with bank statement to verify my identity along with the updated FTC report to hopefully bring about a resolution of these items being blocked, removed deleted.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
This morning, I noticed that incorrect accounts appeared on my credit report, and I have no idea how they got there. I checked my report as I normally do, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, I am requesting a thorough review of the documents I have submitted so that I can finally put this concern behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
Several times Ive had 3rd parties contacting me about different credit payments that I have no clue of where they come from and the actual prices was incorrect the billing information also was incorrect and by law its my right and privacy to not have any of my personal or non personal information be advertise or sent to 3rd party agencies without a written permission or criminal subspecies activity and I would lie to file a lawsuit on my behalf to it my right of peas well

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 2025-03-01 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: GA

Complaint narrative:
Several times Ive had 3rd parties contacting me about different credit payments that I have no clue of where they come from and the actual prices was incorrect the billing information also was incorrect and by law its my right and privacy to not have any of my personal or non personal information be advertise or sent to 3rd party agencies without a written permission or criminal subspecies activity and I would lie to file a lawsuit on my behalf to it my right of peas well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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