vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
This complaint is against XXXX XXXX  as regards to an alleged debt. An account I had with XXXX XXXX, XXXX XXXX  was closed in XXXX as to economic hardship due directly to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then XXXX XXXX with Covid 19. I closed this account and was placed in a customer assisted program. I was paying XXXX XXXX monthly to an agreement amount then the remainder or balance was to be forgiven in a 1099c form. This did not happen and now this company, XXXX XXXX  is not holding up the agreement and wants to continue collecting monthly charges of {$85.00} after I already paid the agreed amount. Im now being contacted by agents of XXXX  XXXX, SELIP & STYLIANOU LLP on behalf of XXXX XXXX as to collections letter I received by them today ( see attached ). Ive already disputed this with XXXX credit report and its in pending litigation, investigation. Because of XXXX XXXX now not accepting its prior agreement in our customer assistance program and now attempting to collect additional money, Ive sent a cease and desist letter to not only XXXX XXXX but its agent SELIP & STYLIANOU , LLP today, XX/XX/XXXX by certified mail, delivery confirmation with required signature as proof of delivery. These letters of cease and desist along with additional documents are dated XX/XX/XXXX and again being sent certified mail, signature required as proof of delivery today, XX/XX/XXXX. This XXXX account as to being in a customer assistance program is XXXX of XXXX accounts XXXX XXXX  had agreed to. The other account was a XXXX XXXX  XXXX  XXXX. That account was completed in this same customer assistance program and XXXX XXXX  did send the 1099c form as agreed to in XX/XX/XXXX for filing on my XXXX Taxs as earned income. I did receive this 1099c from from XXXX XXXX  and was claimed in my tax filing this year. The amount forgiveness in that account was {$4000.00} ( see attached ). XXXX XXXX  now is not holding up the agreement in this situation for this account and will not send out the 1099c form for forgiveness of this debt as agreed. As per this complaint, Im notifying both Synchrony bank and its agent, XXXXELIP & STYLIANOU LLP to cease and desist any further communication with me as to this alleged debt as indicated in my letters that are being sent out on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-04-08 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: SC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Equifax XXXX XXXX TransUnion XXXX XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND 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 AND XXXX. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-08 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-08 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: CO

Complaint narrative:
I disputed an account with XXXX regarding an account from Bounce AI INC. The bureau marked the account as verified but did not provide any explanation or documentation regarding how the verification was conducted. 

Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to verify the information. Despite multiple requests, I have not received any documentation, method of verification, or detail showing how the investigation was completed. 

This raises concerns that the bureau did not perform a reasonable investigation, and the verification process may have been automated or insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-08 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: IN

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XX/XX/XXXXXX/XX/year>

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 2025-04-08 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND 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 AND XXXX. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NM

Complaint narrative:
well there was money That was taken for my account I tried to dispute it they denied the dispute and they still have not provided me with any information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute and demand the immediate deletion of the inaccurate and misleading account from XXXX XXXX XXXX XXXX ( XXXX ), Account # : XXXX, still appearing on my Equifax credit report. This account has been deleted by XXXX and XXXX following my previous disputes, confirming it was inaccurately reported and in violation of federal consumer protection laws. It is unlawful and unjustifiable that Equifax continues to report this account with the following issues : 1. The account is reported as a 'Charge-Off ' with a balance of {$20000.00}, which is contradictory. A charge-off means the creditor has written off the debt as a loss and typically can no longer collect unless reassigned or sold to a third party. XXXX. XXXX has formally responded to my CFPB dispute claiming I 'do not qualify for a 1099-C.'- This is a clear violation of IRS Code 6050P, which requires that any canceled or discharged debt over {$600.00} must be reported to the IRS using Form 1099-C.- If XXXX charged off the account, they are legally obligated to issue a 1099-C or cease all collection attempts.- Failing to do so while still reporting the debt as a charge-off constitutes fraudulent, misleading, and inaccurate reporting under FCRA and FDCPA. 3. The account was previously removed and reinserted without proper notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires that a reinsertion of deleted information must be certified and disclosed to the consumer in writing within 5 business days. 4. The payment history shows continuous delinquencies, yet the last payment was reported in XX/XX/XXXX, with no proper accounting breakdown. This creates further inconsistency and damage to my creditworthiness. Violations of Federal Law : - FCRA ( 15 U.S.C. 1681e ( b ) ) - Failure to ensure maximum accuracy- FCRA ( 15 U.S.C . 1681i ) - Failure to properly investigate consumer disputes- FCRA ( 15 U.S.C . 1681s-2 ) - Furnishing inaccurate information after a dispute FDCPA ( 15 U.S.C. 1692e ) - Misrepresentation of the character or legal status of a debt- TILA ( XXXX5 U.S.C . 1641 ) - Failure to notify debtor of any assignment/transfer- IRS Code 6050P - Failure to issue 1099-C for a charged-off debt over {$600.00} Legal Precedents : Equifax Case Law- XXXX XXXX Equifax Information Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) - FTC v. Equifax ( XXXX ) - {$570.00} million settlement for violations of consumer protection law- XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) - Supreme Court held that inaccurate reporting caused concrete harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank Error Caused Returned Certified Check, Business Interruption, and Financial Harm I am the owner of a small car dealership with a business account at Chase Bank. I deposited a **certified bank draft** in the amount of ** $ XXXX issued by XXXX XXXX XXXX XXXX XXXX which was payment for a vehicle I sold.

As instructed by Chase tellers in the past, I did **not endorse** the check, and the teller said it would be stamped by the bank. Days later, I noticed my account was **negative by over $ XXXX. I discovered that the check had been returned due to being " not properly endorsed. '' I immediately went to Chase, and the bank admitted the error was **the tellers fault**. However, I was told I had to wait to receive a physical copy of the returned check by mail, which took over a week. During this time, I was unable to operate my business, pay vendors, or pay my **commercial rent**, which was due.

Once I received the check, I redeposited it at Chase, and was then told it would be held for **up to two more weeks** despite the fact that it was a **certified check from a federal credit union** and **the original return was due to Chases error**.

As of today, it has been **over three weeks** since the initial deposit. My account is still negative, and my business is **essentially shut down** because Chase has tied up nearly ** $ XXXX of my working capital. 

This delay and the mishandling of my deposit have caused **serious financial harm** to my small business. I have never bounced a check or had a negative account before this incident. I am requesting the following : I am happy to provide supporting documentation including : > - Copy of the check > - Deposit receipt > - Timeline of communication with the bank > - Statement showing negative balance > This matter is urgent and continues to threaten my ability to stay in business.

Company response to consumer: Closed with explanation