vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Complaint against XXXX XXXX for improper Credit Reporting to the XXXX XXXX ; EXPERIAN, TransUnion ; Equifax and Unverified Debt Collection Dear CFPB Representative, I am filing this Complaint against XXXX XXXX for improperly reporting late payments, failing to verify the legitimacy of the debt they claim I owe, and violating their own arbitration clause while allowing third party debt collectors to pursue collections efforts.

Issues with Late Payment Reporting : ______________________________ XXXX XXXX Closed this account XX/XX/XXXX, and Charged off this debt approximately XX/XX/XXXX but continued to report late payments to credit reporting agencies even in XXXX of XXXX. These late payments have not been properly investigated or legally verified, yet they are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), Information reported to credit agencies must be accurate, and this ongoing reporting of late payment after a Charge-off is misleading. 

Issues with Debt Collection and Arbitration Clause : ______________________________ Additionally, XXXX XXXX has a binding Arbitration clause in effect for disputes, yet they have sent this account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; a third party debt collector to pursue payment. This contradicts the Arbitration Agreement and raises concerns about whether the debt collection efforts are legally valid. Furthermore, this account has been charged-off and is being reported on my credit report when this debt has not been fully investigated as legally mines under the Fair Debt Collection Practices Act ( FDCPA ). 

REQUESTED ACTION ______________________________ I respectfully request that the CFPB Investigate and take corrective action against XXXX XXXX, Specifically : 1 ) Immediately cease and remove all late payments reporting from my credit reports, these charges have not been properly verified as legitimate.

2 ) Provide documented proof that the alledged debt is legally mines, The original creditor agreement with my wet ink signature validating this debt as mines ; and any documentation XXXX XXXX used to validate this debt before pursuing Collections. 
3 ) Investigate whether XXXX XXXX debt collection practices violates their own arbitration clause, and take action if they are circumventing their agreement by sending this account to third-party collectors without arbitration. 

This situation is causing significant financial and emotional distress. I request the CFPB to take immediate action to ensure my consumer rights are protected under federal law.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS.

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

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 2025-03-23 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/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 2025-03-23 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: NJ

Complaint narrative:
I am an Authorized User on a XXXX XXXX, XXXX credit card account endin/g XXXX, which is Not being reported on my credit. 
According to the Fair Credit Reporting Act ( FCRA ) Credit Reporting agencies have a Legal Obligation to report Accurate and complete, the absence of this account is a clear Violation of my rights under the FCRA. ACCOUNT DETAILS : * CREDITOR : XXXX XXXX * ACCOUNT TYPE : XXXX CREDIT CARD * ACCOUNT NUMBER : XXXX XXXX XXXX XXXX * AUTHORIZED USER : XXXX XXXX XXXX DEMAND FOR ACTION : I demand that Equifax, immediately Investigate this matter and take the following actions : 1_ Verify and Update my credit report : Add the XXXX XXXXXXXX account ending in XXXX to my credit report with Accurate. 
2_ Provide a Detailed Investigation Report : Furnish me with A detailed report of your investigation, including the Methods Used and the results obtained, as required by the FCRA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Chime Member Services XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Chime Member Services, I am writing to formally address a troubling matter regarding XXXX fraudulent charges that have occurred on my Chime account. Despite providing sufficient evidence to support my claims, my requests for resolution have been met with denial and a lack of transparency. 

The first fraudulent charge was for {$560.00} to XXXX XXXX XXXX in XX/XX/XXXX, for which I never received the product. Despite numerous attempts to communicate with your team, I have been unable to obtain any proof or documentation that substantiates your position that there was no error in this transaction. It is unacceptable that the company was allowed to retain my funds under these circumstances. 

The second charge, for {$700.00} from XXXX XXXX XXXX, is equally concerning. I did not receive any products from this vendor, nor do I have any relationship with the individual involved. After discussing this situation with XXXX, I was informed that the transaction was indeed fraudulent, and they have since closed the account of the individual responsible, XXXX XXXX XXXX. I was advised to file a dispute with Chime, which I promptly did, only to be met with a denial of my claim and a statement asserting that no error occurred. 

In both instances, I have provided valid evidence supporting my claims, yet you have refused to share any documentation that led to your conclusions regarding the validity of these transactions. This lack of accountability and communication is deeply concerning, and I am formally requesting a thorough investigation into these charges. 

Please provide me with the results of this new investigation, including the findings, the evidence used to validate these transactions, and the individuals or departments involved in the decision-making process. I believe I am entitled to a full refund for both charges, and I expect this matter to be addressed with the urgency it deserves. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I want a letter in writing stating that I do not owe a collection debt for XXXX nor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX - Account ending in XXXX Comenity Capital/BRDPYI CCB/JaredCC Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued 3. 

This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The account was closed by the credit card company about XXXX or XXXX  months ago. My last payment was made on the due date. I thought that was the last I had to deal with XXXX XXXX  credit card. 
The next month I got another bill for a late payment, even though I had paid on the due date. 
I was told that the payment came in after hours and that I was still late. 

XXXX months later a XXXX balance has grown to a {$320.00} charge. All of it late payments and interest on an acoount that was closed by XXXX XXXX XXXX. Not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: FL

Complaint narrative:
The company CREDITORS BUREAU ASSOCIATES is based out of XXXX XXXX. This collection agency is not licensed to collect debts in the state of XXXX  and is seeking to collect a claimed debt from XXXXXXXX XXXX  The company that is attempting to collect the debt is reporting a balance that is not realistically close to the charges of the medical facility they claim they are representing. XXXX XXXX XXXX XXXX XXXX  has a cap for the cost to be seen at their office currently that does not exceed {$240.00}. The visit I had in XXXX would have been cheaper during that time with the exception I was medically insured by XXXX at the time. CREDITORS BUREAU ASSOCIATES Reported on my credit report a debt of {$580.00}. I have not signed into any agreements with this company or provided them permission to access my medical information. I received multiple notifications prior to them reporting a fraudulent debt to my report that my information was part of a data breach from multiple medical facilities including from patient XXXX where this agency claims to be recovering a debt. I have attempted to dispute the debt. 

XXXX ID : XXXX This agency is only licensed/registered to collect in the state of XXXX XXXX XXXX 

This agency is in violation of XXXX XXXX XXXX XXXX XXXX XXXX of consumer collection agencies required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed this on my report and asked them to provide me with who reported this and how they got it. They refuse to send me anything and keep stating that it's correct, I want proof of how.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a payment through the XXXX app on my XXXX accounts, PayPal credit, and PayPal MasterCard accounts on XX/XX/XXXX, using their app, and my XXXX XXXX acct. this account has been linked for years. I saw this week, that the payment was reversed, and the accounts, and never taken from my bank account. So I put the payments through again. Fast forward to today, and I received a notification through my credit monitoring that my XXXX account was closed. I checked my email, and did not receive a notification from synchrony, ( and as of writing this complaint I still havent ), so I called their customer service number and spoke to a rep, who confirmed my account was closed due to non payment. I said, thats not correct, as I made XXXX payments, and she confirmed that the bank on record was XXXX bank, but on their end showed a XXXX  account. I told her thats not correct, and its a savings account. I offered to show her a screen capture of what is in my app. I said how can this be? This is clearly not my mistake, as its on your side. She transferred me to a supervisor, who confirmed the same information, took the information, and told me that this can take up to XXXX days to respond to. She also stated that my account may not be reinstated, which I find wrong, considering this is their mistake, and my accounts are in good standing.

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 2025-03-23 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: PA

Complaint narrative:
I am writing to formally dispute several inquiriesthat l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiriesin question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2025-03-23 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 am writing to formally dispute several inquiriesthat l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiriesin question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Purchased an American Express gift card through a local XXXX XXXX on XX/XX/year>. Card does not work at any online retailer, including those advertised as accepting AMEX. All attempts to contact and resolve the issue with AMEX reroute me to an endless automated menu cycle. No info online explains what issue I am having and adversely claims, " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . '' This is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The bill collector 's voice was sharp and condescending, laced with an unmistakable sense of superiority. With every word, they seemed to take pleasure in reminding you of your debt, their tone dripping with disdain. '' It's simple pay what you owe. If you can manage that, maybe you should rethink your priorities. '' The bill collector had no empathy or understanding. I asked, for something showing me that I owe the debt and something showing they own the debt. I was hung up on and never received anything in the mail or by email. I want this removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. XXXX. 

The following accounts have violated my rights : 15 U.S.C. XXXX states that I have the right to privacy. 
15 U.S.C. XXXXb ( Section XXXX ( a ) ( XXXX ) ) states that a consumer reporting agency can not furnish an account without my written instructions or authorization. 
15 U.S.C. XXXXc ( a ) ( XXXX ) states that no consumer reporting agency may include in any consumer report any adverse item of information, other than records of criminal convictions, that predates the report by more than XXXX years. 
15 U.S.C. XXXX ( a ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Therefore, I am formally requesting that the accounts listed below be deleted from my credit report immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase said they would send a check in the mail, for my remaining balance, its been almost XXXX weeks now and still nothing. They keep thinking my check is fraudulent, which it is not it, it is a check issued by the irs, its for my tax return. I provided them information to have a hold on my account removed, they did remove the hold, and let me withdraw {$3000.00} from my account, and the remaining balance is in the account on hold, because of this I am going through financial issues, I just want my remaining balance mailed to me, please thats all I need, its been XXXX weeks and my money hasnt been sent to my mailing XXXX XXXX XXXX XXXX XXXX XXXX. Chase username : XXXX

Company response to consumer: Closed with non-monetary relief