vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DRS XXXX XXXX  XXXX  recovery solution ] has continued to report inaccurate information on my credit report despite multiple attempts to correct it. I initially called and reported the issue, and they assured me they would remove it. I also provided a police report as supporting documentation. However, despite their assurances, the incorrect information remains on my credit report. This ongoing reporting is causing harm to my credit, and I request immediate action to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened an account at chase bank for personal and business use in XXXX.On XX/XX/XXXX of this year, {$140000.00}, {$80000.00} and {$15000.00} were withdrawn from XXXX accounts in XXXX.When I discovered it the next day, I immediately noticed the bank.This is Identity theft and I submitted my police report and all documents required by chase, but they still denying my claim, chase said I did not protect my account, this is so ridiculous.someone use my information withdraw money from my account, chase even did not check id is fake or not. If I have to protect my money even after depositing it in the bank, I really don't understand the purpose of a bank. Isn't a bank supposed to protect its customers ' assets? Now, my money has been stolen from Chase Bank, and they are saying that I didn't protect it myself. I can't accept this.in this claim, Chase reimbursed {$15000.00}, but for the other XXXX high-value accounts, they chose not to compensate. All XXXX  accounts experienced the same unauthorized transactions, they only reimbursed the account with the smallest amount. This clearly indicates that they acknowledge it was not my fault, but they chose not to return the money simply because the amounts were too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate and unverified negative accounts currently listed on my credit report. After thoroughly reviewing my credit file, I have identified discrepancies that directly contradict the reporting from XXXX, which does not list these accounts at all. This stark contrast further substantiates my belief that the information you have reported is both inaccurate and unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
They are trying to sue me for a debt that they cant validate. I tried to call the original creditor for information but couldnt get any. I have been trying to get assistance for the court case and have had no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act-The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX XXXX # ( NOT MY ACCOUNT ) XXXX # XXXX XXXX XXXX XXXX NOT MY ACCOUNT ) of XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 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 States- a consumer reporting agency can not furnish a 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 r4eport by more than seven years. 15 U.S.C 1681 a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I previously had chase credit cards and the last time I made payments on them was approx. XXXX. I filed XXXX  XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX and these card were included in the bankruptcy. I have reported the inaccurate reporting multiple times to have the accounts removed or fixed. Chases refuses to fully investigate the reporting that is NOT in accordance with XXXX guidelines and chase knowing continues to report these credit cards wrongfully. The even show charge off information and that must be removed per XXXX  yet Chase willingly refuses to even investigate the disputes fully and only send back the same information saying it's correct even when it's wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request to Block Fraudulent Information Due to Identity Theft Dear [ Collection Agency Name ], I am formally requesting the immediate blocking and removal of fraudulent information from my credit report due to identity theft. Prior to last week, I contacted multiple representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been fraudulently opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Corrections to My Credit Report Full Legal Name Please ensure that my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address that should be listed is : [ Insert Correct Address Here ] I can not receive mail or correspondence at any outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses. 
Phone Numbers Please delete all outdated phone numbers currently listed on my report. 
Social Security Number & Date of Birth For privacy reasons, please ensure that my Social Security number and date of birth are not displayed on my credit report. 
Employer Information Please remove all employer information currently listed on my report. 
Data Breach & Failure to Protect My Information I was impacted by a data breach with AT & T, which resulted in my personal information being compromised. As a direct consequence, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 
Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple federal laws, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 
Disputed Accounts & Inconsistencies I am formally disputing the following inaccuracies on my credit report, as they contain discrepancies among TransUnion, Experian, and Equifax. These inconsistencies indicate identity theft and/or reporting errors that require immediate investigation and correction.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-02-15 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
This is not an error and requires urgent attention. My credit report contains incorrect and mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is extremely frustrating and has caused me significant stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Sandalwood Solutions
State: MN

Complaint narrative:
XX/XX/year> I reached out to find an organization to help prevent a foreclosure of my home. Before this I had tried to resolve the outstanding balance with my mortgage company without any help. I spoke to Sandalwood Solutions out of California and they assured me that they will help me get a repayment plan for my loan. The cost would be {$800.00} a month for a total of 5 months, which they said is plenty of time to get this problem resolved. Since my mortgage company wouldn't take any payments besides the full amount past due, which at that time was 5 months. I had weekly calls with Sandalwood Solutions and every time they said they had contacted my mortgage company and are working with them to come up with a solution. I had asked multiple times to get their records of calls and what was being done on a weekly basis. Every time I asked, I was told that they would get it in the mail, well that never happened. I finally got fed up once I received a foreclosure notification from someone who dropped it off at my home saying a sale was scheduled. I called Sandalwood and they confirmed there was a sale scheduled and not to worry about it, they are still working on it. A couple weeks go by without a word from them. I finally had to take money out of my XXXX plan to cover the past amount due. I immediately contacted Sandalwood Solutions and told them they didn't do what they told me they would and informed them of having to withdraw from my retirement plan. I had one month left of payments to them and thinking about it that would be the same time as my foreclosure sale. I told them I would refuse them to take any more money out of my account. I also informed them I was disappointed that they claim to be a faith based company and can scam people to make money. I was responded with a nasty letter from some manager say she was sorry that I felt that way.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to Experian. Their records incorrectly show several payments as late, despite the fact that they were made on time. These false late marks are negatively affecting my credit score and financial standing.

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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my deep concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit exposing major issues with the platform. Despite frequently using Zelle and reporting transaction discrepancies, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was told that recovering lost funds was not an option and that tracking these transactions was not feasible. The CFPBs findings highlight Zelles failure to protect consumers, allowing repeat offenders to take advantage of the system and leaving users vulnerable to fraud. This lack of oversight and accountability is unacceptable and raises serious concerns about consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
A loan company call XXXX XXXX has report a XXXX charge off close a account as open to my credit bureau constantly damaging credit score with inaccuracies information of reports..I dispute this company servals time and hasn't been remove. I was company for accurate information to account of balance whom the debt been wrote off/chargeoff to and also 1099 as IRS recommend under charge off accounts for earn income.company hasn't not responded and constantly report inaccurate information to my bureau constantly cause my score to drop and me to have less credit worthiness to build relationship with lenders and establish better credit building profile..the account needs to be removed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation