vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX XXXXXXXX # : XXXX BALANCE : {$270.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-01-22 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: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX Account Information Dear Equifax Dispute Department , I am writing to dispute specific items on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my authorization : XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Under the FCRA, such inquiries require my explicit consent. As I did not authorize them, I request their removal from my credit report. 

Inaccurate XXXX Account Information : The XXXX account detailed below is incorrectly reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off The CFPB consent order involving Equifax underscores the need for accuracy in credit reporting. Please update this account to reflect its accurate status or remove it if unverifiable. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : XXXX Account Name : [ XXXX XXXX XXXX Account Number : [ 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am stating that on XX/XX/XXXX, I paid my Lowes Credit card balance in full. My records indicate that I over paid them by {$65.00}. I did not receives the {$820.00}, refund amount as promised on letter dated XX/XX/XXXX, for a XXXX XXXX XXXX XXXX fees service that I never agreed to purchased.

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 2025-01-22 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
While reviewing my recent credit report, I noticed an error that seems to conflict with the information I have on file. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and credibility. I kindly ask that you investigate this matter thoroughly and address any discrepancies you find. Your assistance in resolving this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
I had a cashapp account it was the first one I had in my name XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I had sold a item and was transfered {$600.00} + or - and it was immediately transfered out my account I also immediately contacted customer support XXXX i want to say that it was in XXXX XXXX XXXX XXXX with them over the money for days until I couldn't get an answer I approved of. So I closed my account until a further date I ended up opening up a new one for personal use. My phone number is ( XXXX ) XXXX my email i used was XXXX. if theirs any more info needed please let me know. 
Thank you Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian opened a checking account without my knowledge I was also put into a credit check payments without my knowledge. Im trying to close the checking account they opened and I been unsuccessful

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 2025-01-22 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: CA

Complaint narrative:
Hi there, I filed a dispute on XXXX due to missing and incorrect information. XXXX did not do its due diligence to follow up with issues I brought forth in a legal and complete manner. I was recently notified that CFPB has filed a lawsuit against XXXX for failing to conduct adequate investigations of disputed information in credit reports. This aligns completely with my current situation. XXXX has not made an attempts to remove, nor correct any information. I am now being hounded with daily calls by debt collectors. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new place to live as I am currently displaced due to the LA wildfire evacuations. XXXX violates my rights as a consumer, as well as federal 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 non-monetary relief
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
Transunion investigated and Removed XXXX XXXX XXXX off of my credit report and they recently added it back.

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 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
On XX/XX/XXXX, I logged into my Studentaid.gov website and saw that my total balance is {$550.00}. Reasonably, I was elated as I felt a grant sense of relief thinking I had received forgiveness of some kind. Unfortunately, that was short lived. When I went to pay this off by clicking the appropriate button on the Studentaid.gov website, I was taken to another login page for myeddebt.ed.gov. There I could see my balance was not the {$550.00}, but {$56000.00}. I had hope for once that I would be able to have a life outside of these loans, maybe buy a house someday, but I am crushed. The joy I felt was quickly replaced with dread. I called the number given ( XXXX ) in a last bit of hope that something was not translating correctly in my favor, only to be told that the larger number was the correct one. You can not do this to people. You can not give them hope and then break them down like this. It is cruel. The person I spoke with was very kind and broke things down for me on my payment options. I can not out right pay that amount of money, or the $ XXXX for the lesser payoff. The month interest for this is going to be {$210.00}. If I paid {$250.00} a month, it will take me XXXX YEARS to finally pay off the principle balance. With everything else I have in my life, I will never be able to pay this. It was false information on the Studentaid.gov website that to this day ( XX/XX/XXXX ) still has not been fixed. Thank you for taking the time to read this.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I opened a checking account with Bank of Oklahoma. After a few days I received XXXX XXXX payments of {$1000.00} each. Then about XXXX  days later received an external transfer from another bank totaling {$2400.00}. After a few days Bank of Oklahoma locked my account. When called I was told the external transfer violated the rules of my account. So they were closing my account. The XXXX payments were credited to my account the {$2400.00} I was told would be sent back. Nothing mentioned about XXXX payments at all. I tried to get my {$320.00} dollars left in the account that was in there before all this took place. When I did I was told they couldnt give it to me because the people that sent the XXXX could still dispute the transactions. While this was going on I notified the sender of the XXXX payments. They requested since there was a problem that I send there {$2000.00} back in the form of XXXX XXXX. XXXX XXXX XXXX XXXX and a {$50.00} bitcoin purchase. Bank of still refused to give me my {$320.00}. The senders of the XXXX sent me an email explaining that they had gotten all their {$2000.00} back and there would be no dispute. Had no reason since they got their money back. I forwarded this to XXXX XXXX XXXX  XXXX XXXX. they never reponded. I had to call them, so far XXXX  times. There have been XXXX different emails sent including the one forwarded to them from the XXXX senders. I call this afternoon and was told they will not give me my {$320.00} for XXXX  days. Which in my estimation is unfair treatment and bordering on illegal practices by them. If they were concerned about the XXXX  payments why did they credit them to my account. There wasnt a problem with them at all until the external transfer. I believe Bank of Oklahoma is trying to keep my {$320.00} as penalty for violating their rules about XXXX thermal transfers. Hoping I will give up!!! XXXX I WILL NOT GIVE UP!!!!! I think since there was no mention of a problem with the XXXX payments. I should be able to get my {$320.00}. NOW. NOT IN XXXX DAYS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter dated XX/XX/2025 that clearly stated " This is an attempt to collect a debt ''. The account is not past due and has a XXXX balance. On XX/XX/2025 the account had a XXXX balance and was not past due at that time either. I have no idea why they would send a letter in an collect a past due account on a current account but I am convinced doing so was a violation of the Fair Debt Collections Prac tices Act. when I asked XXXX why they did that, she could not figure it out either. I then asked to speak to her supervisor and she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to request specific information regarding the account referenced below. I am not disputing the account ; I am requesting clarification and verification of the following details for my records : Account Information : Account Number : XXXX Account Type : Credit Card Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account. 
I kindly request that you provide this information at your earliest convenience. This will assist me in understanding the status and history of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX XXXX, 2025 there were two transactions made on my checking account # XXXX XXXX with Chase Bank. These were in the amounts of {$190.00} in XXXX, MN and {$490.00} in XXXX, MN. I live in XXXX, AZ and have not been to Minnesota in my life. I did not authorize these charges. I also have never given anyone my PIN to my debit card which was used to make these transactions. I was in possession of my card at the time. I called Chase right away when I noticed these false transactions on my account, the next day. I had them cancel my debit card and filed a claim at that time. When I called the customer claims line for Chase several days later they told me my claim had been denied because there was no fraudulent activity noted. I also went in to the branch to speak to a Manager. She gave me the same answers. She said the transactions were made using a PIN. As I have said, I have not shared my PIN with anyone nor do I have an XXXX XXXX. My claim # with Chase is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writing to address serious inaccuracies on my credit report. It has come to my attention that accounts listed on my report do not belong to me, and I have never been involved with the activities these accounts suggest. This is not only an unjust representation, but it is also deeply concerning as I have never authorized or made any of the actions associated with these accounts.

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 2025-01-22 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXXXXXX XXXX XXXX  ( Account # : ... XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My friend tried to send me money via zelle and it didn't verify who she was sending to. It simply asked her to create a name for new contact. Which delayed money to be sent. Nor did my phone number get notification to create a zelle connection. 
The 1st this happened was in 2018 when a friend accidentally mistranscribed my phone # and it went to another person who was saintly enough to return it.

Company response to consumer: Closed with explanation