vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Regional Management Corporation
State: TX

Complaint narrative:
Have tried to tell the credit bureau through debit that I have two loans, one is payed off and the other is a new loan. They have put both the paid off loan and new loan together and came up with over {$5000.00} loan. There is no loan for that amount. The collector calls 10 times a day changes numbers everytime, day and night. Most time there's no one on the other end. Today I received a email from them that I will send too. I can only take as they are going to have me thrown in XXXX  tell my company I work for what I have done sell all my stuff and take my XXXX XXXX, we'll I'm XXXX old now when I get there. Take my XXXX, and my checking account all for a loan that is for under {$2800.00}, that would be the second loan.you can check my credit history there is no {$5000.00} loan from XXXX, man i don't understand how they sleep at night making people think the are on FBI top XXXX most wanted. This is a debt that happened because of XXXX and XXXX was shut down for 6 months and could not pay on it they went straight to collections. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against Comenity Bank regarding their unfair banking practices that have resulted in ongoing late fees and financial distress. 

On XXXX XXXX, XXXX, I re-enrolled in auto payments for my account with Comenity Bank. However, after doing so, I began receiving calls from the bank approximately ten days later indicating that my payment had not been processed. After multiple conversations with bank representatives over the course of the past two months, I learned that I had either been dis-enrolled or never successfully re-enrolled in the auto payment system despite my repeated attempts to confirm my enrollment.

Since being dis-enrolled from auto payments without my consent or notification, Comenity Bank has charged me monthly late fees. These charges are unjustified given that I took all necessary steps to ensure timely payments by re-enrolling in auto pay.

Furthermore, I have noticed a pattern of behavior from Comenity Bank where they apply extra fees and interest on accounts belonging to individuals within certain demographicsmyself included. This raises concerns about discriminatory practices within their operations. 

In addition to these issues, during several calls with customer service representatives, I requested text notifications similar to those they send when advertising missed payments before any late fee is applied. Each time they acknowledged my request but failed to take any action or comply with it. 

I believe that these actions constitute unfair banking tactics and potentially violate consumer protection laws. As a consumer who has made every effort to stay compliant with payment schedules and maintain good standing with the bank, this situation has caused me significant financial strain. 

I respectfully ask for your assistance in investigating this matter further and ensuring that Comenity Bank is held accountable for their actions. 

Thank you for your attention to this important issue. Please feel free to contact me if you require any additional information or documentation regarding this complaint.

Company response to consumer: Closed with 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report.

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a {$1500.00} XXXX charge was posted to my Chase Prime credit card. I called Chase to report the fraudulent charge, as I did not make this purchase. I requested a replacement card and submitted a fraudulent charge dispute. Chase refunded me the money. On XX/XX/XXXX, the {$1500.00} was charged back to my account and I didn't notice until yesterday when I downloaded my bank statements for tax preparation. 

According to Chase, they closed my dispute and resolved that I was responsible for the charge, as XXXX XXXX stated that I made an online purchase. This is a lie. I have tried calling multiple XXXX numbers and departments at Chase and I have asked for such documents to support XXXX ' response. XXXX XXXX committed fraud and Chase was negligent in protecting my privacy and customer rights. 

Since XXXX is claiming that I placed an online order, I am attaching 3 screenshots of my email activity during the period of the incident. 



At this point, I am requesting a {$1500.00} refund ASAP as Chase has let me down as a customer after XXXX years of loyalty.

Company response to consumer: Closed with 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I recently reviewed my credit report and noticed that accounts such as XXXX XXXX XXXX XXXX XXXX, capital one bank and XXXX XXXX XXXX are not reporting accurately. i had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.These account have not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 — Reporting company used your report improperly
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I recently reviewed my credit report and noticed that accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and west lake financial are not reporting accurately. i had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.These account have not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2025 I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had multiple loans from XXXX and they are showing I didn't pay these. XXXX shows I didn't pay for more than 6 months. This was due to me buying a pool table from XXXX and XXXX XXXX to pay it. I didn't get the merchandise and contact both companies. XXXX refused to acknowledge that the delivery wasn't at my house even though it was not my house in the picture. XXXX told me it was, and I sent multiple pictures of my home and many of the front porch. XXXX XXXX XXXX lock me out of my account and I was never able to get more information from them. XXXX agreed with them. 

The second loan which were pool sticks for the pool table I had with them XXXX I paid and sent them information but they said I was late even though I had proof. 

The third loan XXXX  which was a watch it was returned due to my bank and an error on their end, but sent another payment prior to the XXXX cutoff time which would've made it 30 days late but because of the time difference they didn't allow it to process during my time which is ridiculous. 

I am sending proof of payment to them and the dates on there are clearly shown.

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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Chex Systems , Inc . 
Attn : Consumer Relations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Consumer Report Dear ChexSystems, I am writing to formally dispute certain items on my consumer report as provided by ChexSystems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Reported Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681 ( a ) ( 2 ), " consumer reports '' are defined to exclude reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. As ChexSystems did not establish a direct consumer relationship with me, the aforementioned events constitute private transactions and experiences solely between myself and my banking institutions. Therefore, these should not be reported by ChexSystems. Additionally, the financial institutions sharing this information with Chex Systems are non-affiliated third parties, and according to the FCRA, sharing consumers ' nonpublic personal information with such entities requires explicit authorization. I did not provide written authorization for the sharing of my banking records and history with ChexSystems, nor did I receive any prior notification regarding such disclosure. 

Furthermore, as per 15 USC 1681 ( d ), any consumer reporting agency must disclose to the consumer in writing the creation of an investigative consumer report. I have not received any such disclosure from ChexSystems concerning the creation of a report detailing my banking history and related transactions.

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 2025-03-25 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
On XX/XX/year> I received a fraud alert from my bank in amount of XXXX to moneygram. I immediately sent a text back saying yes its fraud. The bank immediately canceled my card, but the money went through anyway. When I contacted money gram they did not care that I didnt send the money. I asked them if the were shown my id before money was sent and if the receiver showed id. They would not answer any of my questions and would not refund money. They then sent documents to my bank stating that I didnt send not dispute the charges and that proper id was shown. Both of which were lies. I never got my money back and money gram blocked my profile.

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: TOYOTA MOTOR CREDIT CORPORATION
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 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: Experian Information Solutions Inc.
State: AZ

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

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 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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I had multiple loans from Affirm and they are showing I didn't pay these. XXXX shows I didn't pay for more than 6 months. This was due to me buying a pool table from XXXX and using Affirm to pay it. I didn't get the merchandise and contact both companies. XXXX refused XXXX acknowledge that the delivery wasn't at my house even though it was not my house in the picture. Affirm told me it was, and I sent multiple pictures of my home and many of the front porch. XXXX decided to lock me out of my account and I was never able to get more information from them. Affirm agreed with them. 

The second loan which were pool sticks for the pool table I had with them XXXX I paid and sent them information but they said I was late even though I had proof. 

The third loan XXXX  which was a watch it was returned due to my bank and an error on their end, but sent another payment prior to the XXXX cutoff time which would've made it 30 days late but because of the time difference they didn't allow it to process during my time which is ridiculous. 

I am sending proof of payment to them and the dates on there are clearly shown.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
15 USC 1666 ( A ) ( B ) the proper process wa never taken on this account, false information has been posted to my account

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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 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 — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt Transfer and lack of Registration licence Dear XXXX XXXX, Request sent certified in XX/XX/year> I am writing to formally dispute the transfer of debt for {$3100.00} from your company to another creditor and to request documentation regarding the registration license for the debt as required under applicable law. Please be advised of the following : 1.Debt transfer without Notice- According to the FDCPA, specifically 15 USC 1692g, a creditor or debt collector is required to provide written notice of a debt transfer to the consumer. I have not received proper notification from you regarding the transfer of debt to another creditor. The failure to provide this notice is a violation of my rights under FDCPA.

2.Failure to provide Registration License- Under 15 USC 1692f ( 6 ), a debt collector or creditor must be properly licensed to collect debts.I have requested proof of your registration or the registration of a third party who holds this debt. As of this date, no such document has been provided to me, which raises concerns regarding the legality of the debt collection process.

3. Request for Verification and Documentation I formally request that you provide the following documentation : A copy of the registration license authorizing you to collect this debt. Proof of transfer of the debt to the new creditor, including any relevant agreements or notices as per USC 1692g.

Company response to consumer: Closed with explanation