vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a {$3600.00} financial aid refund check from XXXXXXXX XXXX XXXX XXXX into my Chase checking account. Instead of making the money available, Chase withheld the funds, saying they needed to verify the check because of my account history. 

On XX/XX/year>, I called Chase to dispute this. They told me they needed to contact my college to confirm the check was real. I provided them with the official phone number for my schools financial aid office, but later, they said the number was invalid. However, this is the same number listed on my colleges website, and it is how students contact the financial aid office. 

I believe Chase is unfairly holding my money. They are treating me like I did something wrong because of a completely unrelated fraud incident that happened months ago. Back then, I was scammed by a fake job offer that I thought was real because it was sent to my school email. As soon as I realized it was a scam, I reported it and took steps to protect my account. That situation has nothing to do with my financial aid check, which is legitimate and issued by my college. 

I have called Chase multiple times, but they still havent verified the check or given me a clear timeline for when I will get my money. I need these funds for school and living expenses, and Chase is making it impossible for me to access them. 

Actions I Took : XX/XX/year> Deposited my financial aid check. 
XX/XX/year> Called Chase to dispute the funds being held. 
Provided Chase with my colleges financial aid office phone number. 
Chase later claimed the number was invalid, even though its listed on my colleges website. 
Followed up multiple times, but Chase still hasnt resolved the issue. 

What I Want to Happen : I want Chase to release my financial aid money immediately since I have already provided everything they asked for. If they wont do that, they need to explain exactly why and give me a way to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations.I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 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: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX : XX/XX/year> ] [ XXXX : XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Formal Dispute & Demand for Monetary Damages Due to Failure to Remove Inaccurate Late Payments I am writing to formally dispute the inaccurate late payment ( s ) reported on my credit file associated with [ Account Name : XXXX XXXX XXXX XXXX under account number : XXXX ]. Despite my previous requests and legal obligations under federal law, the inaccurate negative mark remains on my credit report, causing me financial harm. 
Under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ), a consumer report does not include information solely related to transactions or experiences between the consumer and the entity making the report. The continued reporting of this late payment, without verifiable proof that it was accurately reported in compliance with the law, is a direct violation of my consumer rights. 
Additionally, under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX of the Truth in Lending Act ( TILA ), a creditor may not lawfully treat a payment as late unless they have followed reasonable procedures to ensure that a billing statement was provided at least 21 days prior to the due date. I hereby demand that you provide concrete evidence, including a tracking number or proof of delivery of my billing statement as required by XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. 
Because of the continued inaccurate reporting of this late payment, I have suffered financial losses, including but not limited to : Increased interest rates on loans and credit accounts Denial of new credit opportunities Emotional distress and reputational damage As per the FCRA XXXX XXXX XXXX XXXXXXXX and XXXX ), failure to comply with federal credit reporting laws entitles me to statutory and actual damages. I am demanding compensation of [ {$1000.00} ] for the financial and personal harm caused by your negligence. 

Required Action 1. Immediately remove the inaccurate late payment from my credit file.

2. Provide written confirmation of the removal within 15 days of receiving this letter.

3. Compensate me for damages caused by the unlawful reporting.

If you fail to comply within the allotted time frame, I will have no choice but to escalate this matter by : Filing a Federal Trade Commission ( FTC ). 
Pursuing legal action to recover damages, including attorney fees. 

This letter serves as official notice of my dispute and intent to seek legal remedies should you fail to correct this issue promptly. Please respond in writing promptly.

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 2025-01-29 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: PA

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 XXXX 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I been paying for my credit report and its showing no credit history on my account. Then on other websites I have a credit score.

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 2025-01-29 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.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt is not mine I disputed my other Midland account and they removed it from my credit bureau account but did not remove this one I was a victim of identity theft and want this debt removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX and Inquiries. This has cause me great anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/25 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX and Inquiries. This has cause me great anxiety, stress, and financial hardship.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
My wife and I received 1099s in the mail indicating that numerous transactions were made on XXXX cash app accounts. XXXX under my name and XXXX under my wife 's name. The 1099s were mailed by BLOCk a/k/a SQUARE and referenced CashApp. My wife and I never opened CashApp accounts so we know that these were opened fraudulently with our information. The amount of the transaction under my name was {$1300.00}. the 1099 under my wife 's name had a transaction amount of {$2200.00}. I contacted XXXX and they had me text a picture of both 1099s. They said they would call me back after researching this issue. They called me back a week later and told me I had to contact CashApp to resolve this issue. I can not find a customer service number for CashApp and after reading some comments online it appears that the only way for them to be responsive is if the CFPB reaches out to them to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC {$9800.00} - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Letter content from the collection company Account Number : XXXX Creditor : XXXX XXXX XXXX Principal Amount : {$16000.00} You have a right to inspect your credit report. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 
Sincerely, Collections Department

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On multiple occasions, I would purchase something while I had the available funds but the bank wouldnt initiate the transaction until the funds were no longer available resulting in overdraft fees.

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 monetary relief
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 
Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts Im disputing : Bankruptcy XXXX I also know about the recent lawsuit between the CFPB and Experian, where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right. 
Heres what I need from you : XXXX. A clear Method of Verification ( MOV ) that explains : o Who you contacted to verify this account ( their name and contact info ). 
o Exactly what steps you took to investigate my dispute. 
o Copies of any documents you used to verify the account. 
XXXX. If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, XXXX have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within XXXX  days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, 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 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Collections Account # XXXX To Whom It May Concern, I am writing to formally dispute the collection claim associated with XXXX account number XXXX, which has been placed under your agency 's management. The amount in question is {$910.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I request verification of this debt, including a detailed accounting of the charges and proof that I am legally obligated to pay this amount. 

Additionally, I request : - A copy of the original agreement with XXXX that proves my responsibility for the debt. 
- An itemized statement of the charges leading to the total balance. 
- Evidence that your agency has the legal right to collect this debt. 

If you can not provide sufficient documentation validating this debt, I request that it be removed from my credit report immediately, as reporting unverified information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Please provide a written response within XXXX days of receiving this letter. Failure to validate the debt may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of relevant documents supporting my claim. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : I C System Account # XXXX date opened XX/XX/XXXX bal. {$910.00},, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$270.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$180.00}. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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