vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: DE

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXXB ( 15 U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and found several fraudulent accounts and inquiries that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-29 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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 2025-03-29 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: FL

Complaint narrative:
I reviewed my credit report and discovered several fraudulent accounts and inquiries that do not belong to me, which I believe resulted from the Equifax data breach. These unauthorized accounts have negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy of reported information, yet they have not fulfilled this obligation. I have contacted the creditors involved, and they confirmed these accounts were fraudulently opened. Additionally, I am submitting identity theft reports, including an FTC report, to support my claim. I request immediate action to remove these fraudulent accounts and correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-29 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: OneMain Finance Corporation
State: KY

Complaint narrative:
one main stated on two different dates that i XXXX XXXX requested credit on XX/XX/XXXX and again on XX/XX/XXXX i contacted this company on four different occassion stated that i didnt and have not requested and credit or applied for credit or loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: NH

Complaint narrative:
I was offered {$250.00} to open a Morgan Stanley Checking account. 

Requirements were to : Open a new Checking or Max-Rate Checking account on etrade.com by XXXX XXXX, XXXX. 

and XXXX at least 2 qualifying direct deposits, each of {$1000.00} or more, within 90 days of opening your new account. 

I opened the account on XX/XX/XXXX using the promotional offer, satisfying the first condition. 

I made my first {$1000.00} direct deposit on XX/XX/XXXXXXXX  and my second {$1000.00} direct deposit on XX/XX/XXXX, satisfying the second and final condition. 

I received an alert on XX/XX/XXXX that stated " Based on your recent direct deposits, you`ve met the preliminary qualifications. We are reviewing your account to ensure all other offer requirements are met. If they have been, you can expect your bonus to be deposited into your account within 120 days of when your account was opened. '' On XX/XX/XXXX I received an alert stating " Unfortunately, your account did not meet the offer requirements to qualify for the cash bonus. '' I spoke with a representative on XX/XX/XXXX who could not provide details on what requirements I did not meet. They stated they would escalate for review and I would hear more in 1-3 business days. 

I received no response and so contacted them again on XX/XX/XXXX. The representative again could not provide details on what requirements I did not meet and couldn't find what information the prior representative have found. 

They stated again that they would escalate for review, provided me a reference number, and advised that I should reach out again by the end of the week ( XX/XX/XXXX or XX/XX/XXXX ). 

I reached out again on XX/XX/XXXX and gave the representative my reference number. They couldn't find any information but said they would follow up and reach back out to me by end of the day. 

I did not receive any response and so reached out again on XX/XX/XXXX. The representative was again unable to provide any information but advised that I should have an answer by mid-week. 

I did not receive an alert, so I reached out again end of day on XX/XX/XXXX. Associate did not have any information to provide but advised they would again escalate the case and request a response within 24 hours. 

It has now been over 24 hours and I have still not received a response.

During this time I have been charged monthly fees on the checking account. Due to the lack of response, I will incur additional fees I otherwise would have avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Identity theft, Ive included the police report and asked for a copy of my drivers license and original contract to show the address wasnt mine, this was first reported on XX/XX/year> the account was removed from my credit report then out back on they then kept refilling it so they the 30 law would kept starting all over again, they are in violation of the FCRA and my rights as victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv funding LLC isn't reporting the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MA

Complaint narrative:
I opened the account with the {$900.00} bonus with the chase bank. {$200.00} is for opening the saving account which I already received, and {$300.00} is for setting up direct deposit, which I already done, but I never received the {$300.00} bonus and the combined {$400.00} bonus. The chase bank said the direct deposit has to come from the government or the employer and thats why I did not receive the bonus. But I checked the term of the open account bonus they promised in their email, there is never such a term. The only thing they required is to set up direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Global Lending Services LLC
State: KY

Complaint narrative:
XXXX XXXX  stated on two different dates that i XXXX XXXX requested credit on XX/XX/XXXX and again on XX/XX/XXXX i contacted this company on four different occassion stated that i didnt and have not requested and credit or applied for credit or loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-29 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 reviewed my credit report and discovered inaccurate late payments and a fraudulent inquiry that do not belong to me. These errors are negatively impacting my credit score. I have contacted the creditors involved, and they have confirmed that the reported late payments are incorrect. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported information, yet they have failed to provide proper documentation. I am formally disputing these inaccuracies and requesting immediate correction. The fraudulent inquiry was made without my authorization, further violating my consumer rights. I request the removal of this fraudulent inquiry and an update to my late payments and mark it as never late on my credit report to reflect accurate information.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Starting XXXX of XXXX  I requested debt validation from the company Bridgecrest Acceptance Corporation. They were not able to provide debt validation. Requested validation again on XX/XX/year> and they still were not able to verify the debt. My next step on XX/XX/XXXX of XXXX, I mailed all information to all 3 credit bureaus showing proof that Bridgecrest was not able to verify the debt in over 30 days which put them in violation of the FCRA. An Investigation was done by XXXX, XXXX And XXXX. All three sent back and In estimation status of debt has been vefrified but have not been able to provide me with any documentation of how they verified the debt. Since XX/XX/XXXX of XXXX  the credit bureaus have not been able to provide me with debt verification or information on how they verified the debt which puts them in violation of the FCRA. I have all paper work and documentation that proves that they are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma is the worst prepaid card I have ever encountered. I added money. They never let me purchase anything, kept me blocked from my account. Caused a lot of XXXX due to becoming late on my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint concerning a collection account reported by [ Collection Agency Name ] on my XXXX credit report. Despite my previous disputes and requests for validation under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), the agency has failed to provide sufficient verification or proper documentation proving their legal right to report or collect this debt. Additionally, this account has been removed from my XXXX and XXXX credit reports but remains on my XXXX report. 

Account Details : Creditor : XXXX XXXX XXXX XXXX. 

Balance : {$940.00} Date Opened : XX/XX/year> Account Status : Open, Derogatory Account Number : Summary of Issues : Lack of Debt Validation : The collection agency has not provided adequate documentation to validate the debt as required by 15 USC 1692g. 

Inconsistent Reporting : The account has been removed from my XXXX and XXXX reports but remains on XXXX, indicating potential inaccuracies. 

Failure to Provide Information to LNVN : The agency has not supplied proper information to LNVN, raising concerns about their authority to collect this debt.

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure compliance with federal laws governing debt collection and credit reporting. 

Desired Resolution : Immediate removal of the unverified collection account from my XXXX credit report. 

Provision of proper documentation validating the debt and the agency 's legal authority to collect it, if such documentation exists. 

Please find attached copies of my previous correspondence with the collection agency, credit reports from all three bureaus, and any responses received. 

I appreciate your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Reported Trans Union. To Remove. Their 9 yr Old Debt Collection Off My Report. But They Did. I Got a Letter 2 Days Ago. That They Can Not Remove It. Please Tell Me Why.. Why Would They Put a Debt Collection On Anyone Credit Report... It's Debt Collections .. Plus Old Addresses Old Names. Need To Be Clear Up.

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 2025-03-29 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
I reviewed my credit report and discovered inaccurate late payments and a fraudulent inquiry that do not belong to me. These errors are negatively impacting my credit score. I have contacted the creditors involved, and they have confirmed that the reported late payments are incorrect. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported information, yet they have failed to provide proper documentation. I am formally disputing these inaccuracies and requesting immediate correction. The fraudulent inquiry was made without my authorization, further violating my consumer rights. I request the removal of this fraudulent inquiry and an update to my late payments and mark it as never late on my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief