vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-02-10 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I buy a phone on best buy store XXXX XXXX XXXX XXXX with case and screen protector and also an adapter i return the phone with all the items but the store only kept the phone and return back to me the other items I just mentioned but they sent it to the wrong address so the items got lost i submit a claim to XXXX about the situation and XXXX said it was delivered to XXXX XXXX XXXX and that not my address i explain all the situation to best buy customer service but they just closed the case I open saying that they sent the item back to me so I have to pay to XXXX bank i sent all the info to XXXX bank about everything the XXXX claim and also all the email the best buy sent me cause best buy lies to XXXX bank saying that I got the items but they answer me with different information I made 4 disputes with best buy and they never find a solution i told them is not my fault that you'll sent the items to the wrong address is can't pay for items I never receive.

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 2025-02-10 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:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Great American Finance Co
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Great American Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I received a text from Capital One saying " Thank you for opening a new credit card with us '' when I have never opened a credit card with Capital one. I immediately called Capital One from the google page ( and not from the link in the text I received ) and CapitalOne said there was an account opened that day for a credit card. I reported it as fraud and then called the police to also report it as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I requested verification documents from the collection agency because I didn't recognize the account entry. They responded with account statements I'm not familiar with, nothing with me contracting with the original creditors. On top of that I was incarcerated during the period the statements were increasing which I can prove. They also put false statements in their reply, they dated their rebuttal XX/XX/XXXX, I have the receipt from USPS showing I didn't mail the letter until XX/XX/XXXX. The postmark on their envelope even says XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My name is XXXX XXXX. This is my second complaint regarding Chase Banks loan assumption application process. I am trying to assume my own mothers mortgage. This application has been opened in XXXX XXXX chase banks intent is to keep asking for additional documentation frivolously in order to run out the clock and exhaust my interest in the process. To date, they have needlessly requested additional documents for the fourth time. I had already provided them with all possible documentation during the first three requests. Attached is the fourth document request, that is beyond redundant and necessary. They have all the information already requested. They also have enough financial information to asses and decide on my risk profile to positively underwrite the mortgage assumption yet they are creating this artificial barrier with the intent to deny.

I need your help to have Chase underwriting team to review my application and approve the loan assumption. Otherwise, I demand Chase underwriting team to reach out to me and clearly articulate what documentation they need and how their approval process works. In my conversation with the representative XXXX XXXX ID XXXX on XX/XX/25, when asked if I can speak to the underwriting team, he couldnt connect me stating that Chase Underwriting team doesnt call customers. This is intentionally designed to hide behind some opaque process with lack of transparency and customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Per the FCRA XXXX XXXX XXXX my credit profile is showing a lot of inaccurate information.My profile is showing a lot of charged off accounts that were sold and I never received a XXXX. I would like these negative items deleted from my credit report and a updated copy mailed to me.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Team Recovery Inc.
State: OH

Complaint narrative:
I have not received any information in writing from Team Recovery, regarding any debt. However, in XXXX of this year, I began receiving multiple phones a day, while at work. On XX/XX/2025, I received 22 calls. On XX/XX/2025, I have received eight calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from XXXX XXXX in regards to past due property taxes. Taxes were due XX/XX/XXXX. I've relayed this to US bank on XX/XX/XXXX the amounts and US bank has pulled the document with the details from XXXX XXXX tax website. Escrow has plenty of funds available but hasn't paid the past due that Im more than happy to pay. The penalties however would be the responsibility of US bank as I'm have never been late on any mortgage payments as I paid extra each month. US bank blames others for the mistake and wants either myself of the title company to pay the accrued penalties. 

Below are some of the details from the calls : XXXX US bank XXXX XXXX XXXXXXXX stated this to be resolved in 10 days, XXXX XX/XX/XXXX XX/XX/XXXX talked to ID # XXXX - payment pending new date for resolution 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 2025-02-10 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> {$200.00} was removed from my Chime Checking account by XXXX and It has put my account in the red $ XXXX and Chime is not giving me my money back nor is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX regarding unauthorized transactions, improper account closure, and the inability to access my funds. 

Summary of the Issue : 1. Unauthorized Sale of Cryptocurrency Without my authorization, XXXX liquidated my cryptocurrency holdings. 
I did not initiate or approve these transactions, and I was not given enough time to do anything before my assets were sold. 
XXXX. Account Closure Without Proper Communication Despite multiple attempts to contact Robinhoods support team for assistance, I did not receive any response or meaningful resolution. 
Instead of addressing my concerns, XXXX proceeded to close my account without explanation. 
I connected with XXXX when I was initially notified that my account had som sort of restrictions on it. Their customer service phone numbers just redirects you to the app, and then you have to talk to an AI customer service agent that does not provide proper assistance. I set up a support chat in the morning, they ended up calling me back when it was XXXX and I was unable to pick up the phone, and the closed my case. I emailed them numerous times just to be redirected to their app. The day before my account was closed I was given a link to " reactivate my account '' and I did so and it told me that my account was reactivated. However, the next day they sold all of my crypto. This is just an overall frustrating situation. 
XXXX. Inability to Withdraw Funds Following the account closure, I no longer have access to my remaining balance. 
XXXX has not provided me with a method to withdraw my funds, effectively blocking me from reclaiming my own money. 
I put in {$XXXX} dollars and the current value of the investments after being sold by XXXX are {$XXXX}. This money is unable to be withdrawn and is stuck in my XXXX app. 

Attempts to Resolve the Issue : I have made several attempts to contact XXXX customer support through their in-app messaging and email channels. 
Despite repeated follow-ups, I have not received a clear response or any resolution. 

Robinhoods lack of communication and refusal to return my funds have caused me significant financial hardship. I believe their actions are unfair and potentially unlawful, and I seek the CFPBs intervention to resolve this matter promptly. 

Please let me know if any additional information is required to process my complaint. I appreciate your attention to this issue and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: Carvana Group, LLC
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
Payments were made on time, except XXXX. But the credit card lists XXXX late payments. If you sign in, you can see that payments were made, and I have tried to dispute an error multiple times, and even sent an official letter by mail on XX/XX/XXXX, without a response. 
Descriptions of the payments : XX/XX/XXXX shows as a late payment by 30 days. Payment was late XX/XX/XXXX shows that payment was late, but I have made a minimum payment of {$XXXX} as requested. on XX/XX/XXXX made XXXX day before a due date XX/XX/XXXX shows that payment was late, but payment of {$XXXX} was made on XX/XX/XXXX a day before the due date. 
XX/XX/XXXX showed late by XXXX  days, but payment was made on XX/XX/XXXX at {$XXXX} and on XX/XX/XXXX at {$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