vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MD

Complaint narrative:
I ( XXXX XXXX XXXX, XXXX ) am writing to formally dispute inaccurate and/or unauthorized negative items on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which governs permissible purposes for furnishing consumer reports.

Upon reviewing my credit report, I noticed the following items that I believe are erroneous or lack proper authorization : late payment and account closure. Under 15 U.S. Code 1681b, consumer reports may only be furnished for permissible purposes, and I am concerned that these items do not meet the criteria outlined by law. If these items were included without my consent, or if they are otherwise inaccurate, they must be removed immediately.

In accordance with 15 U.S. Code 1681i, I request that you investigate the accuracy and validity of these items. Provide me with the details of your investigation process, including any documentation or evidence used to verify the items. Correct or delete the disputed information if it is found to be inaccurate, incomplete, or unverifiable within 30 days of your receipt of this letter.

I have attached copies of my identification and proof of address and my SSN card to help expedite the process. Additionally, I am requesting that the banks and credit card companies provide supporting documentation listing notification of late notices and payment options to address late payment or close account. If this information was not provided or showing evidence to support their claims these late payments will be removed, and accounts will be updated on XXXX, XXXX, and XXXX that the account is in good standings and a credit report update. The following companies are Discover and XXXX XXXX XXXX XXXX. 

Please send me written confirmation of the resolution of this dispute to the address listed above. Should you need to contact me for additional information, I can be reached at XXXX or XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: LA

Complaint narrative:
My personal information was impacted by data breach causing fraudulent accounts to be opened and inaccurate information being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
The XXXX, Inquiry, and two charge offs reporting on my TRANSUNION credit profile ( see attached ) are fraudulent, inaccurate, and unverifiable. ( 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TN

Complaint narrative:
According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX ) such authority. 

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX ) and the corresponding information is not listed on my consumer report. This account should be promptly updated as ON TIME. 
XXXX XXXX XXXX, XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I believe that between that I had accounts and auto loans that were subject to the wrong charges by Wells Fargo included in the settlement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I was the victim of fraud involving a {$350.00} transaction processed through my Revolut prepaid card account. I was deceived by a scammer into authorizing this transaction under false pretenses, believing it to be legitimate. Despite Revoluts claim of performing security checks, the transaction was allowed to proceed. 

The payment processor, XXXX, later acknowledged that the account associated with the scam was fraudulent and confirmed they blocked the scammer. However, XXXX failed to prevent the fraud because their system allowed the transaction to process without verifying proper identification as required by their own KYC ( Know Your Customer ) policies. For instance, XXXX policy requires a U.S. citizen to submit a valid passport, but I did not provide one, which should have automatically prevented the transaction.

Revolut has since declined my dispute, claiming I manually confirmed the transaction, but this was done under fraudulent circumstances. Their refusal to investigate or refund the transaction violates their obligation under Regulation E to protect consumers from unauthorized or fraudulent transactions. 

I request that the CFPB investigate Revoluts failure to prevent this fraud and require them to issue a refund. Additionally, XXXX should be held accountable for their failure to enforce their own KYC standards, which directly enabled the scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX account number XXXX, dated XX/XX/year>, with a balance of {$7400.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX  provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX, 2023 XXXX checks were supposed to be sent Business Bill Pay to XXXX XXXX XXXX ( Used for years ) ( {$1100.00} & {$1500.00} ) XXXX Distributing kept saying they had not recieved my payment. My on line banking had it showing correctly and it had been cashed. I requested a copy of the checks from BOA. Once I got a copy ( took about 4 months to get, they had the wrong fax number in system ), it was obvious that the bank did not look at the check, it was not to XXXX, it was made out to an individual XXXX XXXX in XXXX, XXXX. Not sure how this happened, but XXXX had both checks for the correct amounts but were cashed at XXXX XXXX by her. My client XXXX never saw these checks. This is the only company we distribute through and have worked with them for 40 years, they mentioned they were going to have to send to collections if we didn't pay. I have since sent them XXXX more checks to clear my account and not damage my companies relationship with my client. ( So I have paid for these XXXX invoices twice ) I have visited the bank several times to get an update, first told it could take a couple of weeks, then up to 45 days, then up to a year to get my money back!! I have been patiently waiting for my money to be returned to my account. I was notified recently that the XXXX  XXXX XXXX XXXX was unable to recover the funds and say it has been resolved and claim denied. States-Recieved denial from negotiating bank hold harmless, no funds available.So does the person get away with this? Do I just loose my money that I thought was a secure way to pay my business bills? I have been to the bank numerous times, sat on the phone for hours at a time trying to find out what BOA was going to do about it. Frustrated and disappointed is not even close to how I feel about this situation. This account has been open for XXXX years, I have several with this bank. You would think that since I have been a customer for so long, they would honor some source of security to their account holders that are encouraged to utilize their services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
XXXX  Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX XXXX I XXXX. The following account is not mine Former : XXXX XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX I XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following account is not mine Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX FL XXXX Trans union Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX, XXXX, I XXXX. The following account is not mine Also Known As : XXXX, XXXX, I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
XXXX  Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX XXXX I XXXX. The following account is not mine Former : XXXX XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX I XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX Equifax Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine XXXX : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following account is not mine Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX. The following account is not mine Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX FL XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following account is not mine Former : XXXX, XXXX, I XXXX. The following account is not mine Also Known As : XXXX, XXXX, I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
It has been XXXX business days and there is no response from robinhood and no way to contact a live person either by text, email, or phone. Their customers service line gives a brief message and automatically disconnects. Their App is only answered by XXXX  and when it says its transferring to a live agent the screen goes into waiting for an indefinite period of time ( over one hour, screen shot included ) Robinhood has been holding my funds for over 9 months with no interest being paid. The amount is between {$370000.00} and {$400000.00} ( transfer request included ). This is also causing legal bills as my attorney needs to review the case regularly. 

Im estimating the total cost of lost interest and attorney fees to be in excess of {$30000.00}.

All we want is for the brokerage to transfer the funds to my account so that our settlement is complete. We are not sure what motivation Robinhood has to not get this done but its causing undue financial hardship for all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Judgment Acquisitions Unlimited Inc
State: MA

Complaint narrative:
Received letter sent to my parents address dated on XX/XX/year> ( XXXX XXXX XXXX, XXXX, MA XXXX ) from Judgement Acquisitions Unlimited ( Unlimited spelled Unlimitied on the document ) from Creditor " Own.lease Inc '' in the amount of {$3000.00}.

This debt is not mine, i do not have any outstanding payments or bills to this company nor any other.

I believe this is a scam- please refer to attachment for letter sent ( i received two separate copies of this letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
By illegally collecting upfront fees for telemarketed credit that wasnt allowed and I wasnt aware of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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