vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Credit management company keeps restarting an old medical debt from XXXX. It is now XXXX and should have fallen off. But because they keep " renaming '' it, it starts as a new collection when it is not. They also put the balance on my file in collection multiple times for the same amount. I settled these XXXX bills in the medical facility in XXXX for a lower amount. I obviously do not still have those records. I asked for them to provide proof that they billed through my insurance, and itemized bill, I provided cards to them at the XXXX  at time of service ( I had full coverage and should not have had a bill at all ). They have yet after multiple requests to do so. 
** I asked for the original bill/service date/procedures done/charges/and what my insurance SPECIFICALLY didn't cover for them to requests money at all.. IT WAS NEVER GIVEN. Not only was it settled, it's medical, and repeating the same amount multiple times on the same report, but it's original charge was 9 years ago- They continue to restart the clock. PLEASE EASE help is consumers that are doing the right thing get these ridiculous companies off our report. AND charge them for false and repetitive reporting!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Urgent Appeal Regarding Account Closure and SBA Loan Interruption To Whom It May Concern, I am writing to formally express my deep distress and urgent concern regarding the recent closure of my business account with Chase, which has had a devastating impact on my livelihood. Over the past two months, I have endured unimaginable hardship. Several of my business locations were destroyed in the recent California wildfires, and during this same period, I was hospitalized due to serious health issues.

Unbeknownst to me, Chase closed my business account four days ago and has now labeled it as " charged off. '' I received no prior notice of this actionno communication via email, mail, phone call, or through my online banking portal. Upon discovering this, I immediately reached out to Chase and made multiple attempts to communicate the gravity of the situation. 

I explained, with urgency and anguish, that this account was directly linked to a pending {$50000.00} loan from the Small Business Administration ( SBA ), funding that was essential for helping me recover from these catastrophic events. With the account now closed, I am unable to receive the funds, and any attempts to reprocess the loan will take monthstime that I do not have. This delay will lead to further devastation for me, my employees, and my family. 

During my interactions with Chase, I spoke with at least ten different representatives, spending hours on the phone, only to be transferred repeatedly, disconnected, or denied access to supervisors. I requested call recordings be saved as evidence of my repeated pleas and the clear distress I was in. Despite expressing that XXXX XXXX XXXX XXXX and had to be taken to the XXXX  due to the emotional and physical toll this has taken, I was shown no compassion or meaningful assistance. 

None of the representatives provided any viable solutions, and I was told there was no way to reverse the charge-off. This has left me in a state of devastation, without access to necessary funds, without food, and on the verge of homelessness. After putting hundreds of thousands of dollars through this bank over the years, I feel I have been treated with disregard and as if I were a criminal. 

I am pleading for immediate intervention, review, and reversal of this account closure. The consequences of inaction are severe, not only to me personally, but to those who rely on my businesses for their livelihoods. I urge Chase to demonstrate accountability and compassion in resolving this matter urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Original Creditor was XXXX XXXX, I contacted Portfolio recovery originally in XXXX to dispute the debt. I never heard back. I got a letter in XX/XX/XXXX. I wrote and requested they validate the debt and and send me proof of claim. I mailed all copies certified mail to all Attorneys listed and never got a reply from any of them. They had filed a case in Circuit court as well Case # XXXX which is cross referenced with the original case # XXXX which is in District Court XXXX XXXX XXXX XXXX The Circuit Court Case is closed. They are attempting to garnish my wages and file more of their harassment filings. I called Portfolio Recovery today and sat on hold for a long time and was informed I needed to call another number which was XXXX XXXX XXXX XXXX which is contracted by Portfolio Recovery. This is beyond ridiculous and they need to be fined and I should be compensated for the stress and aggravation this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My Account is set up for automatic payments but payments are not been processed i was told the problems is my bank because they are rejecting my payments I did contacted my bank and was told the payment were never presented. Spoke to many representatives at Synchrony bank problems has not been resolved. They have deleted my banking information and re-entered and problems have not been resolved. I have Lowes and a XXXX account and problem is still the same As result it have affected my credit this situation has been going on for almost 1 year have been told I will get a call back but that never happens They refuse to give a number for corporate number when asked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-25 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: NC

Complaint narrative:
I was involved in a couple different data breaches and under the fcra us15 code 1681 do whats right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXX Listed inquiry do not belong to me and must be removed from my Transunion Credit Report. I had a call with company and credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: NJ

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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm trying to access my credit report due to fraudulent activity. I have tried to access my transunion portal, and have reached out to them several times. Nobody is helping me. I took screenshots, and have attached them to this complaint. This is what I'm seeing and it's saying that there is a problem on TRANSUNIONS end, and I have logged off logged back in, and nobody is helping. 

PLEASE SEE ATTACHED

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 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
BREACH OF PRIVACY My personal and financial information was compromised without my authorization. The Family Education rights and privacy act FERPA protects the confidentiality of student records, this breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information. 


Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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 formally disputing the accuracy and legitimacy of the following accounts that have been fraudulently reported under my name. These accounts do not belong to me, and I request an immediate investigation and removal in accordance with : 15 U.S.C. 1681g ( Right to disclosure of information ) 15 U.S.C. 1681c-2 ( Block of information resulting from identity theft ) Fraudulent Accounts to Be Investigated & Deleted : XXXXXXXX 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 Equifax 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 Legal Basis for Deletion : Per 15 U.S.C. 1681g, I formally request full documentation verifying the accuracy and ownership of these accounts, including : Signed original loan or credit applications Any communication between me and the creditors Loan disbursement records or transaction history proving my authorization If you can not provide valid proof that I authorized or opened these accounts, you are legally required to block and delete them from my credit report immediately per 15 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 2025-03-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-24 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:
A dispute of XXXX account was filed and approved for removal but has not been removed. The account was added to the Credit again as a new accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-03-24 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I received a call from Wells Fargo fraudulent dept saying they think I had fraudulent charges on my card. He had all my account numbers and card numbers so I didnt question the call as I have just recently been a victim of fraud from Wells Fargo . Unfortunately the caller was a scammer and proceeded to transfer {$9800.00} cash advance from my card. I didnt not give them any information or permission to do so and Wells Fargo said Im responsible for this astronomical charge. How was this scammer able to make such a huge charge without any red flags or communication with me AT ALL especially after my recent hack. I find the bank at fault for this.

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 2025-03-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

1. The following personal information is incorrect Account Number : Employers : XXXX XXXX. This information is inaccurate information XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
4. I did not authorize this account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely, _________________________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 8 late payments. On my XXXX report there are 5 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

15 U.S. Code 14 15 U.S. Code 16.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I previously disputed this account stating : ''This account is incorrectly reporting that I have 8 late payments. On my XXXX report there are 5 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

15 U.S. Code 14 15 U.S. Code 16.

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