vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
Equifax Customer Data Breach ( Case XXXX ) I have been impacted by Equifax, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : Opened : XXXX : {$6300.00} XXXX XXXX : Opened : XXXX : {$640.00} XXXX XXXX : Opened : XXXX : {$1700.00} XXXX XXXX  : Opened : XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$820.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$520.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$96.00} XXXX XXXX XXXX XXXX XXXX : XXXX : {$90.00} After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
XXXX XXXX XXXX account was closed on XX/XX/XXXX and still is reporting as an active account. 
Amount- XXXX XXXX XXXXaccount was closed XX/XX/XXXX and still is reporting as an active account. 
XXXX These account was charged off in XX/XX/XXXX and XX/XX/XXXX. The accounts have repeatedly been updated as charge-off every month, this is an update on my payment history but a charge off account should NOT include an active payment history. These account needs to be investigated properly due to it violated my rights. 
Under 15 U.S code 1681 e, i Please remove the following items from my credit report 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 2025-02-15 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: FL

Complaint narrative:
XXXX XXXX XXXX account was closed on XX/XX/XXXX and still is reporting as an active account. 
Amount- XXXX XXXX XXXXaccount was closed XX/XX/XXXX and still is reporting as an active account. 
XXXX These account was charged off in XX/XX/XXXX and XX/XX/XXXX. The accounts have repeatedly been updated as charge-off every month, this is an update on my payment history but a charge off account should NOT include an active payment history. These account needs to be investigated properly due to it violated my rights. 
Under 15 U.S code 1681 e, i Please remove the following items from my credit report XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
I co-signed a car loan with consumer portfolio services. I listed this car loan on my bankruptcy that was discharged in 2024. The company has not updated this information and every time I dispute it, they report that their info is accurate. 

I sent in my bankruptcy discharge paperwork to them as they request months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/year> I received a chime debit card with my name on it and never applied for or provided my information to chime or stride bank to open an account with my information or name. When I called and spoke to the customer service representative he asked me to verify information on the account and give him personal identifying information to confirm the account to which I felt uncomfortable and told him this. He proceeded to tell me that this was required to confirm the account which I disagreed with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and eventually transferred me to the fraud department. The fraud department closed the account eventually after putting up a fight but wouldnt provide me with information on how this account was created and what charges ( if any ) were on the existing card. I found chime to be incredibly unprofessional in the way they handled this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Jefferson capital systems is a Collection agency who has been removed from my credit report effective XX/XX/year>. Please update my credit report across all credit reporting agencies XXXX  XXXX and XXXX  and any other party 's reporting this ifo!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 am filing a complaint against Experian, Transunion & Equifax for failing to correct inaccurate late payments on my credit report, despite multiple disputes. 

The accounts in question are : XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX I have disputed these late payments five times, but the credit bureaus and data furnishers have failed to correct or properly investigate them, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues & Violations : Failure to Reinvestigate ( FCRA 611, 15 U.S.C. 1681i ) : The credit bureau ( s ) must conduct a proper reinvestigation within 30 days and delete or correct any inaccurate, incomplete, or unverifiable information. 
Reporting Inaccurate Information ( FCRA 623, 15 U.S.C. 1681s-2 ) : Data furnishers are legally required to report only accurate information, yet they continue to report incorrect late payments that negatively impact my credit score.

Willful Noncompliance ( FCRA 616, 15 U.S.C. 1681n ) : Despite repeated disputes, the inaccurate late payments remain, demonstrating willful noncompliance with federal law.

Impact on Me : These inaccurate late payments have harmed my credit score, affecting my ability to secure financial opportunities. Since this is my fifth dispute, the failure to correct the errors is unacceptable. 

Requested Resolution : I am requesting immediate CFPB intervention to ensure : A proper reinvestigation of my disputes. 
The removal of inaccurate late payments from my credit report. 
That Experian, Transunion & Equifax and the data furnishers comply with the FCRA moving forward. 

I updated credit reports showing the errors that remain. 

Thank you for addressing this matter promptly.

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 2025-02-15 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: MA

Complaint narrative:
XXXX XXXX XXXX  XXXX This is not my account I have never had XXXX XXXX. My info was stolen and used with out my knowledge!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: ID

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also
states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.

Complaint narrative:
Trying to negotiate a short sale on behalf of an estate with Select Portfolio Servicing and it is a nightmare. Our company has done hundreds of these types of transactions. They state that they do these transactions but their communication is awful. We keep getting the constant run around. They don't email, they don't call and they respond by paper letter with very vague updates and no answers. There is a buyer involved in this transaction that is angry and their only recourse is to bother their agent who constantly reaches out to us and we can't give any real answer.. The buyer came up to the counter offer back in XXXX. Generally, within a week we would have an approval letter on this transaction but not with this company. They are rude, extremely unhelpful and give no real updates that make sense. They keep starting over their XXXX day review process every time we email or call for an update. We demand an answer no matter what it is so that we can close out the file. We have provided everything that they have asked for and more and we demand a resolution. We have even gone to their Ombudsman department with not proper rectification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 2025-02-15 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-15 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX payment for a service was taking from from me {$1500.00} {$370.00} {$600.00} was send from a trust user and then was taken from me because my account got hacked and all they did was close it and restrict my CITIbank account access XX/XX/XXXXXXXX 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 monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I was told over the phone that I owed a debt that I was never made aware of. The calls continue in the early morning, but no abusive language is used. I never received a notification for it. If I had been aware of it, I would have paid promptly. I always pay my bills on time and in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I needed something shipped to my apartment to be repaired so i wouldnt have to pay this fee and it never showed up and he blocked me on everything. Tried to resolved this with bank of america but they declined this dispute but i have not received anything for this. I need this $ and i have proof of everything happening

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I noticed there are fraudulent accounts reporting on my credit report and file on XXXXXX/XX/year>. These are not transactions made by me the consumer. I have reached out to XXXX, XXXX and XXXX on XX/XX/year> and I haven't heard back from them. The fraudulent accounts included are : XXXX XXXX for {$21000.00}, XXXX for {$20000.00} and Portfolio Recovery Associates for {$1500.00}. These fraudulent items are causing me and my reputation severe harm and discrimination therefore they are to be removed and deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Was included in the lawsuit against Aqua Finance. Because of their deceptive practices the had to pay a settlement. I have now received a XXXX Cancellation of debt for the amount that they were told we were no longer liable for. They are again trying to recoup funds and place the blame of their former customers for the complaints. This is retaliation practice because they had to pay out.

Company response to consumer: Closed with explanation