vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MA

Complaint narrative:
On or around XX/XX/XXXX or XXXX, XXXX, a toll charge of {$1.00} was incurred on a Massachusetts toll road. I am a long-standing XXXX customer in good standing. Critically, I received no notification whatsoever of this toll charge from XXXX or any other entity. I was unaware of any outstanding toll balances until I attempted to renew my driver 's license several months later. At that time, I was informed that I had unpaid tolls that needed to be resolved before my license renewal could proceed. 

To determine the amount, dates, and origin of these tolls, I proactively contacted Penn Credit Corporation, a debt collection agency, to inquire about the balances. I explained that I had received no prior notification and sought to appeal or reduce the additional fees, aiming to pay only the original tolls. Penn Credit Corporation informed me that the total amount due was {$29.00}. This amount included a {$20.00} XXXX  fee, {$4.00} in Penn Credit 's own personal fees, and {$1.00} per month in late fees, along with other administrative fees. My customer ID with Penn Credit Corporation can be supplied if needed. 

I contacted both Penn Credit Corporation and the Massachusetts Department of Transportation ( XXXX ) to dispute these excessive fees. Both entities stated that the {$20.00} XXXX fee is unchangeable. I argued that I should not be held responsible for fees incurred due to a complete lack of notification of the original {$1.00} toll. I also raised the possibility of a systemic error in the toll collection system that may have failed to read my transponder on the date in question. 

After having lengthy conversations on the phone with both XXXX and Penn Credit Corporation, I felt as though my hands were tied. Due to the urgent need to renew my driver 's license, I was compelled to pay {$28.00}. Penn Credit Corporation offered a laughable reduction of only {$1.00} from the total {$29.00}. However, I am submitting this complaint to contest the validity of these charges. Penn Credit Corporation was unwilling to consider any further reduction of the fees, insisting that the {$20.00} XXXX fee is fixed, and that their additional {$4.00} fee and the monthly late fees were also valid. I believe this is an unfair practice, as I was not given any opportunity to pay the original toll amount before substantial fees were added. I am requesting that the CFPB investigate the debt collector 's practices and the validity of the imposed fees, and that I only be held liable for the original {$1.00} toll amount. The fact that I was only informed of this debt when attempting to renew my drivers license, and then had to reach out to the collection agency myself, is a demonstration of the lack of proper notification, and that Penn Credit is adding their own fees to an already inflated amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: DE

Complaint narrative:
This XXXX XXXX Account thats listed on my account should have been removed, the creditor XXXX XXXX ( Account # XXXX ) has sent me a document stating they have stop reporting the account on all three major credit reporting agencies Transunion, Equifax and Experian. 

XXXXXXXX XXXX XXXX Account # XXXX is reporting the wrong balance it should be reporting a balance of {$120000.00}. Please update the correct amount immediately on all three credit reports transunion, Equifax and Experian. 

XXXX XXXX XXXX XXXX Account # XXXX has not reported the Auto loan as paid in full. Please update this immediately on Experian, Equifax and transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: DE

Complaint narrative:
This XXXX XXXX Account thats listed on my account should have been removed, the creditor XXXX XXXX ( Account # XXXX ) has sent me a document stating they have stop reporting the account on all three major credit reporting agencies Transunion, Equifax and Experian. 

XXXXXXXX XXXX XXXX Account # XXXX is reporting the wrong balance it should be reporting a balance of {$120000.00}. Please update the correct amount immediately on all three credit reports transunion, Equifax and Experian. 

XXXX XXXX XXXX XXXX Account # XXXX has not reported the Auto loan as paid in full. Please update this immediately on Experian, Equifax and transunion.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting this formal complaint regarding an ongoing dispute with Capital One that has been mishandled, leaving me without the full amount I am rightfully owed. 

I originally filed a dispute with Capital One over a transaction, and despite following all necessary steps, I have been subjected to a month-long runaround with no clear resolution. While I have received a small portion of the disputed funds, I am still owed {$520.00}, which Capital One has continued to brush off and deny despite my repeated attempts to resolve the matter. 

Throughout this process, I have provided all necessary documentation and followed Capital Ones dispute procedures. However, instead of properly investigating and addressing my claim, I have been met with delays, miscommunication, and dismissive responses. At this point, it feels as though my case is being deliberately ignored rather than handled in good faith. 

I am requesting the CFPB to intervene and ensure Capital One properly reviews my dispute and issues the remaining {$520.00} that I am owed. This situation has caused unnecessary financial hardship, and I believe the way my case has been handled is both unfair and unreasonable. 

Please let me know how I can further assist in resolving this matter. I appreciate your attention to this complaint and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am extremely upset that this account ( XXXX XXXX XXXX XXXX XXXX ) was reinserted into my TransUnion credit report without any notice. This is a clear and serious violation of federal law. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), TransUnion is required to send me a written notice within five business days if a previously deleted account is added back to my report. That did not happen. By failing to notify me, TransUnion broke the law and took away my right to dispute wrong or inaccurate information. This is unacceptable and makes me feel like my rights dont matter. It shows carelessness and a complete lack of responsibility on your part. This kind of behavior is not just wrongit can also lead to legal consequences. The FCRA clearly states in Sections 1681n and 1681o that if a credit bureau breaks the law on purpose or through negligence, they can be held accountable in court. That includes paying for damages, legal costs, and more. Because of this, Ive been put at risk for damage to my credit, my finances, and my peace of mind. I trusted that my rights as a consumer would be protected, and instead, they were ignored. I demand that this account be removed from my credit report immediately. I also expect a full written explanation of why this reinsertion happened without proper notice. If this is not fixed right away, I will continue to pursue every legal option available to me. I have already filed a complaint with the Federal Trade Commission ( FTC ), and I am now asking the Consumer Financial Protection Bureau ( CFPB ) to step in and help resolve this serious issue. I take my rights seriouslyand I expect you to do the same.

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
JPMCB charged off a balance of {$1400.00} on this credit card. It still shows with a balance on my credit report. I would like a copy of the 1099 c they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
I am writing to dispute a rental collection entry on my credit report. I have not received any communication about this being on my credit report and I request that it be removed immediately. 

The details of the disputed entry are : - Account Name : Sequium Asset Solutions , LLC - Account Number : XXXX - Date of Entry : XX/XX/year>. I believe this entry is causing harm to my credit score and I request that you take prompt action to remove it. 

Please investigate this matter and correct my credit report accordingly. I would appreciate it if you could provide me with a corrected copy of my credit report. 

If you need any additional information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX XXXX deposited then a check for XXXX and was told when the deposit was made so XXXX waited the XXXX that it would take XXXX business before funds would be available so I waited so on XX/XX/XXXX at XXXX the check balance became available that evening I tried to link my bank account because I was informed that American express does not give out ATM so I reached out to a customer service rep who said that she could do a wire transfer and I would have my funds would be in my my checking account that evening so iat XXXX that evening I checked my account and the funds had not been transferred so I reached bout to a customer service rep and when she got into my accounr she said the fraud dept wanted to speak with me and transferred me I was put online I ask the gentle men why he have to verify my identity I already sent you a copy of my id he said he didn't bcare you have no choice he became very hostile and when he sent me the link the phone disconnected so I tried to call back and was told rhat there was a hold on my account and that I would not get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-02 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: AR

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report . 
Please verify or remove immediately the following accounts : Lead Bankxxxxxxxxxxxxxxxx XXXXThis a fraudulent account on my creditPlease remove this inaccurate information from my credit report. 
Lead Bankxxxxxxxxxxxxxxxx XXXXThe balance of this account is wrong.Please provide proof of the late payment and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXXThis account 's payment terms or account type is incorrect.Please verify and provide proof of the payment terms and account type or remove this late payment from my credit report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX, XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX Bank XXXX XXXX on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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, Experian, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$30000.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$4400.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00} XXXX XXXX XXXXXXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. 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 explanation
Consumer complaint received 2025-04-02 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: TX

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, Experian, Equifax 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$30000.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$4400.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1000.00} XXXX XXXX XXXXXXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested a copy of the investigation methods and results the CRA allegedly completed, but the CRA never responded with any results of the investigation. CRA simply placed a statement on my credit report stating the creditor verified the late payments as accurate. The consumer disputed the CRA results for 4 years and never received any investigation results from the consumer.

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 2025-04-02 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: PR

Complaint narrative:
In acoordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, has violated my rights 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 turnish a account without my writen instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PR

Complaint narrative:
In acoordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, has violated my rights 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 turnish a account without my writen instructions.

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 2025-04-02 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: CA

Complaint narrative:
I am raising a serious concern regarding incorrect information that has been added to my credit report. There is an account appearing under my name that I have no connection to, and it seems to be mistakenly linked to my profile. This error is damaging my credit standing and is especially concerning given my ongoing issues with fraud and identity theft. As a consumer, I have the right to an accurate credit report, yet this situation has unfairly impacted my financial reputation. This fraudulent account has already been previously deleted - but was reinserted without my knowledge, this is a blatant violation of my rights as a consumer.

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