vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year> an ATM deposit of 6 checks was attempted to be made at a Chase Bank location. at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX for a total of {$2100.00} ; that consisted of three checks from XXXX XXXX XXXX XXXX for {$0.00} each, two checks from XXXX XXXXXXXX XXXX XXXXXXXX for {$0.00} each and one check XXXX XXXX for {$2100.00}. 

During the transaction, the ATM malfunctioned, and instead of depositing the six ( 6 ) checks and crediting them to my account, it shut down and displayed a message that the ATM was not working currently, and kept the checks I was trying to deposit, saying I needed to call XXXX to " be sure my deposit went through. '' Called into the above tx number to open a dispute soon after this issue. The first representative failed to compete the dispute and provide a claim number before disconnecting the call. After calling back and getting a claim number from a second representative, I was told that a temporary credit would be placed into my account for the missing amount of the deposit, and that when the branch opened the missing deposit would be investigated. 

Calling back on Monday, after no correspondence to my account, nor the temporary deposit being placed into my account, it took being transferred 4 more times on my third call before someone at Chase even attempted to post a temporary credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-10 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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 never applied for or requested credit from any of these companies, and have told this to Transunion multiple times. I requested proof, and all they respond with is that these inquiries will remain for two years. They don't even investigate. 

XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX  ( Home shopping ) - XX/XX/XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX ( Finance ) - XXXX XXXX, XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX ( Finance ) - XX/XX/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 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: TN

Complaint narrative:
I filed a complaint on Real Time Resolutions last year, because they were trying to collect on a debt, that I had been paying on for over 20 years, through a Judgement and the Statute of Limitation had expired. Real Time Resolution did a Trust Deed Release on my home and now they have sent me a 1099c, Cancellation of Debt, in the amount of {$34000.00}. 

Judgement amount was for {$26000.00}, at {$100.00} a month for 21 years, leaves a balance of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, Pa XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, TransUnion, Equifax I am writing to formally dispute an inaccuracy on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically, I have identified incorrect information regarding [ Creditor Name ] that appears on my report. 

The inaccuracy is as follows : 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  : The report lists this account as [ charge-off/collection/late payment ] with a last payment date of [ incorrect date ] and/or an incorrect balance of [ $ XXXX ]. However, according to my records, [ correct information, such as payment was made, balance was different, or account was never delinquent ]. 

This incorrect reporting is in direct violation of : 1. 15 U.S.C. 1681i ( a ) ( 1 ) The credit bureau must conduct a reasonable reinvestigation of disputed information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If the disputed information is incorrect or unverifiable, the bureau must correct or delete it.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) When a disputed item is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify it and can not reinsert the incorrect data unless properly verified. 

I request that this inaccurate information be corrected or removed immediately. Please complete the reinvestigation within 30 days as required by law and provide me with a written confirmation of the resolution. If the furnisher of this information can not verify its accuracy, this item must be deleted. 

Enclosed are copies of relevant documents supporting my claim. Please update my report and send me a corrected version.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, Pa XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, TransUnion, Equifax I am writing to formally dispute an inaccuracy on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically, I have identified incorrect information regarding [ Creditor Name ] that appears on my report. 

The inaccuracy is as follows : 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  : The report lists this account as [ charge-off/collection/late payment ] with a last payment date of [ incorrect date ] and/or an incorrect balance of [ $ XXXX ]. However, according to my records, [ correct information, such as payment was made, balance was different, or account was never delinquent ]. 

This incorrect reporting is in direct violation of : 1. 15 U.S.C. 1681i ( a ) ( 1 ) The credit bureau must conduct a reasonable reinvestigation of disputed information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If the disputed information is incorrect or unverifiable, the bureau must correct or delete it.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) When a disputed item is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify it and can not reinsert the incorrect data unless properly verified. 

I request that this inaccurate information be corrected or removed immediately. Please complete the reinvestigation within 30 days as required by law and provide me with a written confirmation of the resolution. If the furnisher of this information can not verify its accuracy, this item must be deleted. 

Enclosed are copies of relevant documents supporting my claim. Please update my report and send me a corrected version.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights regarding privacy and confidentiality. Specifically, these violations include : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 6801 Failure to protect nonpublic personal information 12 CFR 332.4 Failure to provide an initial privacy notice to the consumer 15 U.S.C. 1681i Failure to follow procedures for disputes regarding accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681b Obtaining and using consumer reports for impermissible purposes 15 U.S.C. 1681s-2 Furnishers failure to meet responsibilities when reporting to consumer reporting agencies 15 U.S.C. 1691e Civil liability for violations of the Equal Credit Opportunity Act 15 U.S.C. 1692e False or misleading representations in debt collection 15 U.S.C. 1692d Harassment or abuse in debt collection 15 U.S.C. 1692f Engaging in unfair debt collection practices 15 U.S.C. 1692c Unlawful communication practices in debt collection 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1666b Failure to comply with payment timing requirements 15 U.S.C. 1681e Failure to implement proper compliance procedures XXXX XXXX Opened ; XX/XX/XXXX Balance ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance ; {$1800.00} XXXX XXXX XXXX Open ; XX/XX/XXXX Balance ; {$940.00} These violations constitute a direct infringement of my federally protected consumer rights. I request immediate action to rectify these infractions in accordance with applicable 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft. Upon reviewing my credit report, I identified the following accounts listed across XXXX, Equifax and XXXX that are fraudulent 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 The following personal information is incorrect also : [ XXXX ] Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX [ Equifax ] Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these accounts and I demand that these fraudulent accounts be blocked and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MO

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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to 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 institute 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 customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This company calls me everyday, and have reported this XXXX party debt to credit bureaus affecting my credit report. They need to remove it from credit report and stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
Experian received a collections notice to my account and dropped my score significantly. Problem is that the new law states medical debt shall not be on the credit report and drop my dcore

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: DC

Complaint narrative:
There are unsolicited text messages I have been receiving from XXXX XXXXXXXX XXXX. These messages are frequent, arriving at least once a week, and they appear to be requesting payment for an account I do not have with them. 

I have attempted to block the number and report these texts as junk, but they continue to come through.

Company response to consumer: Closed with explanation