vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: Possible Financial Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, OH XXXX [ XXXX ] ( mailto\ : XXXX ) \ XXXX XX/XX/year> Possible Finance\ XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Cease and Desist Notice To Whom It May Concern, This letter serves as a formal demand that Possible Finance immediately cease and desist all communication with me regarding the alleged debt associated with [ Account Number ]. Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby notified to cease all communication with me, including but not limited to phone calls, emails, letters, and any other form of direct or indirect contact.

Furthermore, I assert that reporting to my credit report constitutes a form of communication under 15 U.S.C. 1692c ( c ). Therefore, any continued reporting or updates to credit reporting agencies regarding this alleged debt would be considered a violation of my cease and desist request. Any failure to comply with this demand will be documented and may result in legal action being taken against Possible Finance.

Please acknowledge receipt of this letter in writing within 10 days and confirm that you will comply with my request. Failure to comply with this cease and desist notice may result in legal consequences, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and legal action to enforce my rights under the FDCPA. 

This letter is not an admission of any liability regarding the alleged debt, nor is it a request for validation of the debt. Rather, it is a formal request for cessation of all communication, as permitted by law. 

Sincerely, \ XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells fargo kept my debit payment on pendent until i have not more found, so in that moment well fargo prossed the payment when i have not more found and charge me So when i called twice they closed my acount with no reason

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited {$340.00} on XX/XX/year>, there was an error message and the money did not go into the account. I deposited my hard earned money for the bank to steal it and say it wasnt in the machine. It was Navy Federal Bank in XXXX, Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I was a victim of identity theft and these accounts do not belong to me. I had also file a police report and under law this accounts need to be removed. 
Transunion XXXX XXXX XXXX account number XXXX Fraudulently opened on XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/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 2025-03-26 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXX XXXXXXXXXXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number XXXX Equifax XXXXXXXX XXXX, Account Number 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 2025-03-26 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate : XXXX XXXXXXXXXXXX XXXX, Account Number XXXX, XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number XXXX Equifax XXXXXXXX XXXX, Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Chase Bank Dispute Unrecovered Funds Dear Consumer Financial Protection Bureau, I am filing a complaint against Chase Bank regarding its failure to assist in recovering {$2700.00} that I mistakenly transferred to the wrong recipient. Despite my repeated efforts, Chase has refused to reopen my claim, preventing me from retrieving my funds. 

Here are the details of the disputed transactions : Amount : {$2500.00} from my Chase business account ( Transaction Date : XX/XX/year> ) Amount : {$200.00} from my Chase personal account ( Transaction Date : XX/XX/year> ) Incorrect Recipient : Wrong recipient by XXXX Date I Realized the Mistake : XX/XX/year> Date I Filed a Dispute with Chase : XX/XX/year> After realizing my mistake, I promptly filed a dispute with Chase. I also attempted to contact the recipient, but he believed the situation was a scam and did not respond to any calls. Eventually, after continued efforts, the recipient sent the funds to a XXXX  XXXX XXXX account on XX/XX/year>. I personally confirmed this transaction with XXXX  XXXX XXXX in person. 

Despite this, I can not retrieve my funds because Chase refuses to reopen the claim. Chase last attempted to contact the recipient on XX/XX/year>, before the money was returned. I have repeatedly requested that Chase follow up again, but they have refused, citing their policy of allowing only one claim per transaction. 

Since I can not access the funds at XXXX  XXXX XXXX, Chase must facilitate the transfer of the money back to my account. However, their refusal to take further action has left me without resolution. 

This situation is causing significant financial distress, and before taking legal action, I am seeking assistance from the CFPB to intervene and help facilitate the return of my money. 

I would greatly appreciate your prompt attention to this matter. Please let me know if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Subject : Fortiva Credit Card Inaccurate Late Payment ( XX/XX/XXXX ) Reported by XXXX Despite Fortivas Confirmation of No Delinquencies Complaint Description : I am submitting this formal complaint regarding a false late payment reported for XX/XX/XXXX on my Fortiva credit card account, which continues to appear on my XXXX credit report despite multiple attempts to correct the error. 

Timeline of Dispute Attempts : ALL PROOF ATTACHED XX/XX/XXXX Certified letter sent to XXXX disputing the inaccurate late payment. No response received. 
XX/XX/XXXX XXXX certified letter sent to XXXX. No response. 
XX/XX/XXXX XXXX certified dispute sent to XXXX. No response. 
XX/XX/XXXX Certified letter sent to Fortiva requesting verification and correction of the account. 
XX/XX/XXXX Fortiva responded via email, stating : As of XX/XX/XXXX, there are no delinquencies being reported to the credit bureaus. 
I submitted this documentation to XXXX via their website. No response or correction was made. 
XX/XX/XXXX A second certified letter was sent to Fortiva, requesting they take direct action to fix the error with XXXX. No action taken by either party. 

Ongoing Harm and Violations : This inaccurate reporting continues to damage my credit score, resulting in credit denials and financial hardship.

I have experienced severe stress as a result of this prolonged dispute.

I have incurred out-of-pocket costs totaling over {$500.00}, including certified mail, printing, internet access, and administrative time.

I have exhausted all reasonable steps to resolve the issue privately.

Legal Basis and Remedy Sought : Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ), 1681n, and 1681o, I am entitled to : The correction or deletion of any information that is found to be inaccurate or unverifiable after investigation. 
Potential statutory and actual damages for negligent or willful noncompliance. 

Requested Resolution : 1. Immediate removal of the inaccurate XX/XX/XXXX late payment from my XXXX credit report. 
2. Written confirmation from both Fortiva and XXXX that the error has been corrected. 
3. Full explanation from XXXX as to why no action has been taken after three certified mailings and an online dispute. 
4. Reimbursement of {$1000.00} for damages, including : o Over {$500.00} in direct costs incurred o Credit denials and financial stress o Emotional hardship and time lost This matter has remained unresolved for over a year, and I am now formally requesting that the Consumer Financial Protection Bureau investigate and assist in the resolution of this ongoing and harmful credit reporting error. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: NC

Complaint narrative:
Called 8 times in a span of 2 hours. I told them i wanted to dispute and i would contact the leasing agency to get proof of debt and they transferred me immediately to a rude man who insisted i put my bank information in immediately at XXXX XXXX  at night. I said i wasnt comfortable and he threatened to take action and damage my credit on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NH

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Charge-Off Entry on Credit Report Dear XXXX XXXX XXXX XXXX XXXX writing to formally dispute the charge-off entry on my credit report associated with the account listed below. According to my records and the credit report I recently received, the account was marked as charged-off on XX/XX/year>. I believe this information to be inaccurate, and I am requesting that you investigate this matter and provide me with any documentation that supports the charge-off. 

Here are the details of the account in question : Account Holder Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I respectfully request that you review this charge-off and provide any supporting evidence, such as payment history, statements, or other documentation that verifies the accuracy of this entry. If no such evidence can be provided, I ask that this charge-off be removed from my credit report, as it appears to be inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. If you are unable to verify the charge-off, I request that the entry be corrected or removed from my credit file. 

Please send me a written response detailing the results of your investigation at the address listed above. If you need any additional information to process my dispute, feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NH

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-26 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: FL

Complaint narrative:
In XXXX I realize that this company XXXX XXXX XXXX XXXX makes a collection account in my credit history, I realized because at that time I suffered from identity theft and I went to the police and made a police report not only of this account but of withdrawal from my bank accounts, I made the dispute with the credit companies and it was eliminated, so true that the following year I bought my XXXX car without any inconvenience, in XXXX XXXX XXXX XXXX says that it bought this account again and it appears again in my XXXX credit history, I send a new dispute again and my dispute in less than a month was resolved and this account is removed from my credit history again, a month ago XXXX XXXX XXXX reports the account in XXXX and Equifax as a new account after being deleted. I contact them and they tell me they want a new police report. I go to the police station and they tell me I can't file a complaint about something that was already reported a year ago. A week ago, XXXX deleted my account for XXXX  days and then put it back on. I think it's a joke and they're playing with the time of a person who is under a home purchase contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation