vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : Ally Financial XXXX XXXXXXXX The number of days late for this late payment is wrong. 
Please verify and provide proof of my payment history for this account or remove this late payment from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: ID

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 16081 e ( b ) Accuracy of credit whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure 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 unverified information in general, if after any re-investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information has appropriate based on the results of the re-investigation, 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 : Ive tried reporting lvnv they are on my credit report three times with different amounts I owe this company nothing and want them immediately removed they are trying to take advantage of me and its not right I never signed for any debit with them please immediately remove all three of there collections from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: IL

Complaint narrative:
Contacted discover over a week ago in regards to {$13.00} related to a XXXX order that was both XXXX XXXX XXXX upon delivery. Despite multiple attempts to resolve this directly with XXXX, including reporting the issue through their app and requesting to speak with a live representative, I only received automated responses and a {$5.00} credit, which I do not believe adequately addresses my concern. 

Given the nature of the issue, which involves receiving food that was not as ordered and potentially unsafe to consume, I requested either a full refund or for the order to be corrected. As I did not receive a satisfactory resolution, I contacted Discover to open a dispute, expecting a fair and thorough investigation. 

However, I was informed that my dispute would not be pursued based on the initial reason provided, without any indication that my case was fully reviewed or that XXXX was contacted for verification. I believe this handling of my dispute is unfair and inconsistent with Discovers obligations to protect consumers from unauthorized or incorrect transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have made ongoing complaints with my bank about the issue with their ( XXXX ) services. I spoke with someone in their XXXX office by the name of ( XXXX ). She has contacted me only a few times leaving voicemail message. However, I feel their XXXXXXXX XXXX XXXX  should attempt to do more to resolve the matter. I have been a customer with JP Morgan Chase for many years. I expect proper treatment as a customer. Every financial institution now is the only option to access XXXX. I have spoken directly with representatives from XXXX about this matter. I was told as of XX/XX/XXXX they no longer offer the XXXX app to anyone. I have asked Chase bank to seriously look into this matter. So far no one from XXXX technical support has contacted me to attempt to resolve the problem. I should be able to use the services just as any other customer. I have tenants who choose XXXX as a form of payment ( to pay their rent ) .I believe their CEO would not like negative social media or news media about this matter, as it could possibly tarnish their reputation. ( for future prospective customers ). I am providing the screenshot which pops up any time I enter a cell phone number or email..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Hard inquiries stated below that are unauthorized - I did not apply for credit or give permission for the inquiry. 
XXXX XXXX  - date XX/XX/XXXX ALLY FINANCIAL - date XX/XX/XXXX XXXX XXXX  - date XX/XX/XXXX XXXX XXXX XXXX - date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - date XX/XX/XXXX ALLY FINANCIAL - date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hard inquiries stated below that are unauthorized - I did not apply for credit or give permission for the inquiry. 
JPMCB AUTO - date XX/XX/XXXX XXXX XXXX  - date XX/XX/XXXX JPMCB AUTO - date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accts from my credit report as soon as possible.

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 2025-05-14 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also 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 report by more than seven years.

15 U.S.C. 1681s-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 2025-05-14 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: IN

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX BANK Balance : {$190.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$160.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$11000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$740.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$160.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-05-14 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: AK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 non-monetary relief
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$550.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX XXXX XX/XX/XXXX -- {$22000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$950.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I opened a Chase checking account on XX/XX/year>. I initially received a debit card which I lost after two days. I immediately contacted Chase to request a replacement, but was told I could not be helped without my account or card number both of which I no longer had access to due to Chase locking my online account.

I was told multiple times the account would be unlocked in 30 days. It has now been over 60 days, and I have called over 30 times with no resolution. I provided my full legal name, date of birth, Social Security number, address, and phone number during these calls yet I am still denied access to my funds. 

Due to this denial, I have suffered over {$3000.00} in damages, including : A suspended driver 's license from being unable to pay fines, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unpaid personal debts that have affected my relationships and reputation. 


Now, Chase is requiring me to drive an hour and a half to verify my identity, despite the fact that they failed to verify me for over two months and never notified me properly of any fraud concern. I have tried in good faith to work with them and provided everything they asked yet I am still locked out of my own funds and have received no reimbursement or fair resolution. They have also caused a lot of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when they told me I would still have to travel that hour and a half. 

I am seeking : Immediate access to my account and reissue of a debit card, A complete balance summary, Compensation for the medical, financial, and emotional damage caused by Chases inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-05-14 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: AZ

Complaint narrative:
Spoke with the XXXX, in XXXX, regarding past due balance of {$190.00}, which the company states was XXXX  days past due. The company informed me that they were aware of the glitch in their system and to call back, later in the week to ensure the erroneous report of {$190.00} was reversed. The company corrected the error, but still reported the account XXXX  days late to my credit report, for XXXX. The company also reported the account XXXX days late in XXXX, as well, but the due date was not until XX/XX/XXXX. See attachments for screen account number.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
File a claim with my bank Wells Fargo for a online purchases that I didnt make or authorize there were XXXX transactions the month of XXXX claimed was denied claims department stated that it couldnt be proven that my phone or debit card was lost /stolen which I never stated that it was so I appealed the claim it was updated to XXXX transactions from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX amount of {$920.00} transactions were starting from XXXX XX/XX/year> in the amounts of {$5.00} {$10.00} {$15.00} & {$20.00} claim was still denied even with me providing proofs of emails from which this site was still trying to take money from my account & it was being denied I would never try to make a purchase knowing that I didnt have funds to cover them my claim is being denied I tried contacting this company but wasnt too successful due to the fact of not too much information listed

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BEACON FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/year> XXXX received an XXXX XXXX  from XXXXXXXX XXXX XXXX XXXX in the amount of {$2000.00} that was written to myself but had my mothers account number on it. Berkshire put the money into my mothers account which does not have my name attached to it. The bank is now saying they have to reverse the mistake which will put my mother out {$2000.00} as she spent the money she believed to be hers. I wanted to leave the situation alone moving forward and handle it privately but that doesnt seem to be an option due to the circumstances. Im heavily considering a lawsuit as this has caused financial, emotional and physical stress that could have been prevented. I intend to hold Berkshire accountable for their Negligence, Breach of contract / fiduciary duty, XXXX ( wrongful handling of funds ), and Violation of banking regulations which have caused XXXX XXXX and 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 2025-05-14 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: NC

Complaint narrative:
b'After receiving a copy of my credit report, I saw several\n inaccurate items. Im exercising my right to have an accurate and\n fair consumer report pursuant to 15 USC 1681a (1). YOU ARE IN\n DIRECT VIOLATION OF THE FCRA, the inaccurate items listed\n below still remain on my credit report in violation of Federal Law.\n Your Company continues to report inaccurate personal\n information and with your refusal to delete INACCURATE &\n Invalidated information from my consumer file is Defamation and\n causing me Financial Injury. This is my last attempt to peacefully\n resolve the issue. From my research: YOU ARE IN VIOLATION OF\n 15 U.S. Code  168P1n - Civil Liability for Willful Noncompliance\n\nMy Correct Name is XXXX XXXX XXXXThe names listed below are Incorrect; DELETE IMMEDIATELY: The following names are Wrong: DELETE AND UPDATE TO MY CORRECT LEGAL NAME ABOVE. XXXX XXXX XXXX XXXX My Correct Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses listed below are Incorrect and Undeliverable to\n Me DELETE IMMEDIATELY: The following addresses are Wrong:\n DELETE AND UPDATE TO MY CORRECT ADDRESS ABOVE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDELETE ALL EMPLOYMENT LISTED AS IT IS NOT REQUIRED! \XXXX XXXX XXXX DO NOT WISH TO HAVE MY PHONE NUMBER LISTED! XXXXAttached is a copy of my Drivers License, Social Security Card and Light Bill Letter for Proof of Identity my with current correct address. This is\n the ONLY address that should be listed on my consumer report. I\n demand the following changes be made to allow my consumer\n report to be reporting maximum accuracy under 15 USC\n 1681e(b). Thanks for Your Immediate Response into this Matter'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also 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 report by more than seven years.

15 U.S.C. 1681s-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 explanation