vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify Equifax that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed. 
Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach. 
I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify XXXX that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed. 
Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach. 
I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 
Sincerely, 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 2025-01-28 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Opened a new Chase Total Checking checking account online on XX/XX/XXXX with a New Checking Account Bonus coupon code worth {$300.00}. Account was opened following online validation and debit card was ordered and online access set up. I scheduled an XXXX transfer for my opening deposit and submitted changes to begin sending direct deposits to the new account. The following day, I receive an email, " Important : Please contact us To help protect against fraud, we restricted and XXXX need to close your account soon. '' To contact Chase, however, my debit card number was required, but I don't have that yet! Without the debit card number, I was told to either to go into a branch with ID or wait until I receive my debit card arrives in about a week, but account would stay open at least 10 days to resolve this. On XX/XX/XXXX debit card arrived in the mail, but when I called again, I was told account is already closed even though 10 days had not yet elapsed, and it can not be re-opened! The bank claims this is all just because they could not verify my social security number against my phone number. My only option to resolve this now is to open another new account in the branch and start over from the beginning. However, too conveniently for the bank, I likely lost my {$300.00} Checking Bonus offer through no fault of my own, as the terms of the offer were that it expires on XX/XX/XXXX, and, as with all New Chase Checking Account Bonus offers, it stipulates that I am ineligible for any bonus if I've had a Chase account in the past 3 years, which now applies to me, despite how briefly the account was open and never being allowed to use it. Chase representatives can't help or modify the terms of an offer, all they can do is open another account. The account that I had was closed very impatiently by the bank in less than XXXX calendar days and through blaming me as being untimely in responding, under a guise of fraud prevention. I actually never even received a final notice that the account has been closed, it's like the account was actually closed on day XXXX and I never even had a chance! The rush to get me to make a trip to a Chase branch, which is very inconvenient, seems more like dishonesty by the bank, and seems more like an almost fraudulent way for the bank to invalidate my {$300.00} checking bonus offer without cause. My direct deposit scheduled for XX/XX/XXXX is also going to be returned because the Chase account was closed so abruptly and without fair and proper notice, delaying me from receiving my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
XXXX XXXX union listed an overdraft on my credit report as a charge off. I noticed that the charge off was listed on my credit report in XXXX, 1 year after the account had been closed. I emailed the bank XX/XX/XXXX and spoke with the bank manager and she told me that since the amount was under {$500.00} that they do not report to any of the bureaus, however it was still showing up on my credit report. Specifically, it was appearing on my XXXX report. The bank manager then told me that the chargeoff was reporting paid in full and she was informed that XXXX supposedly didn't report th charge and it somehow happened automatically. I told her I would check to see if it would be removed and it wasn't. 
I then sent a Goodwill Deletion letter to collections XX/XX/XXXX and they responded back saying they don't do those. 
That same month I then went into the physical branch to address the issue and the branch manager, ( different woman ) told me that there was nothing she could do and to just wait a few more years for it to fall off. 
Which is completely conflicting information from what the other branch manager informed me. I also got clarification that a deposit was made into the overdrawn account within a few days time before they report the overdraft. 
So I now have this negative remark on my credit over something that the credit supposedly doesn't report on and refuses to actually address. Credit unions are supposed to be better than regular banks but this experience show otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Credova Holdings Inc
State: MI

Complaint narrative:
I applied for credit for financing and was denied ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( XXXX ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

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 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 2025-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
My most resent issue is XXXX XX/XX/year> I processed a payment to Lakeview XXXX for what was due on XX/XX/year> They received the payment and credited it to my XXXX. Then the same day of XX/XX/year>, they themselves through my account processed XXXX more payments. These payments bounced out of my checking account but, because of this, it caused the online account I have to show my next bill due was XX/XX/year>. So, I ( under the impression, thinking XXXX payments were made ) asked for a refund for XX/XX/year>. 

Come to find out, I didn't make a payment for XX/XX/year> and they processed a refund for XX/XX/year>. 

Now why would I ask for a refund for a payment I already made for what was due this same month?? Why would they just move my refund request for XX/XX/year> to what I already paid, at the start of XX/XX/year> and what was already credited to my loan?? 

I also NEVER RECIEVED this refund. And I have filed XXXX urgent requests to their " XXXX XXXX XXXX '' showing them the bank statements that they requested, to prove I did not get these refunds. And they now say, NO payments were EVER received. So, I have XXXX $ totally unaccounted for towards my Loan and that same XXXX $ is missing from my Checking account. 

I had a different mortgage provider when I initialy financed my home, and I have had CONSTANT issues since Lakeview XXXX purchased my Loan without my consent over 1 year ago

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
The transaction was not recognized by me, and I noticed it while reviewing my account balance/activity. 
Amount : XXXX Description : The transaction description was something I didnt recognize, which raised immediate concerns about possible unauthorized activity.I immediately contacted my bank 's customer service for assistance. I explained that an unknown transaction had occurred, and I asked for clarification regarding its details. I was asked to verify my identity and provide specific details such as the date, amount, and transaction reference number. I requested a freeze on my Zelle account or my linked bank account to prevent further unauthorized transactions while the issue was being investigated. 
In addition, I reviewed other recent transactions to ensure there were no other suspicious activities.The customer service team initiated an investigation into the unknown transaction. They confirmed that the transaction was indeed processed via Zelle, but further details on the recipient were not readily available. 
I was advised that Zelle payments are typically instantaneous, which made it more difficult to reverse the transaction or retrieve the funds quickly. 
The bank also provided me with a timeframe ( usually within XXXX business days ) during which they would conduct a full review of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, XXXX 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts disputed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, XXXX 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts disputed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-28 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: Westlake Services, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally request that XXXX XXXX and remove fraudulent, inaccurate, and false information from my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is the result of identity theft report numberXXXXXXXX fraud that have caused serious inaccuracies in my credit report. 

The fraudulent accounts and details in question include : 1. Westlake Financial SVC Account # : XXXX Type : Installment account Balance : {$15000.00} Payment Status : Charged off as bad debt XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Type : Open account Balance : {$770.00} Status : Disputed by consumer XXXX XXXX XXXX XXXX Account # : XXXX Type : Installment account Balance : {$9500.00} Payment Status : Voluntary repossession XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Type : Open account Balance : {$1100.00} Status : Disputed by consumer XXXX. U.S. Bankruptcy Court Reference # : XXXX Type : Chapter 7 bankruptcy discharged Date Filed/Reported : XX/XX/year> These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # [ Insert FTC Case Number ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational damage. As per FCRA 605B, I am entitled to have this information blocked and removed within four business days of your receipt of this letter.

In addition to the FTC complaint, I have included supporting documentation confirming these accounts and inquiries are the result of identity theft. I request that you : Remove all fraudulent accounts from my credit report.

Block any associated inquiries or collections tied to these accounts.

Failure to comply with this request may result in legal action, including statutory damages and recovery of costs as outlined under the FCRA. 

Please confirm receipt of this request and provide me with a timeline for resolution. Thank you for your prompt attention to this matter. 

Sincerely, 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