vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I AM BEING HARASSED VIA PHONE BY ALLIANCE COLLECTION AGENCY FOR THE DEBT OF A DEAD MAN I HAVE NEVER MET. I MADE THE MISTAKE OF GETTING A NEW PHONE NUMBER AND HAVE EXPERIENCED THESE CALLS EVER SINCE. I AM ON THE NATIONAL DO NOT CALL REGISTRY. I ANSWERED THE CALLS TO TELL THEM THAT I AM NOT XXXX XXXX XXXX BUT STILL THEY PERSIST. THIS COMPANY SUCKS!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am hoping for your assistance with an ongoing situation I am having with my mortgage company XXXX XXXX. Shortly after my area was devastated by hurricane XXXX in late XXXX, I went into a forbearance plan with XXXX XXXX. I hoped to free up some cash to take care of damages that had occurred during the storm. I started the plan the month of XXXX and was to continue in the program until the end of XXXX. I continued to pay my escrow amount {$390.00} each month, but excluded the principal amount {$1000.00} each month. My plan was to do a loan modification for the three months of principal to have it added on to the end of the mortgage. In XXXX I reached out to XXXX XXXX to start the loan modification process. During this phone conversation I was not notified that I might not qualify for a loan modification. During this conversation with XXXX XXXX, I was NOT told that I would no longer be in forbearance. During the first of XXXX I attempted to make an online payment for the escrow amount and found I was locked out of the system. I then called XXXX XXXX and thats when I found that I had been removed from forbearance and was delinquent on my account. I immediately took care of paying and getting my account up to date. I later found out that XXXX XXXX had turned my account into the credit agencies for being late. Before the reporting from XXXX XXXX, I had an XXXXcredit score. I have been told by representatives from XXXX XXXX there is nothing they can do since they sent me a letter about being pulled from the forbearance program. I did not receive a letter from XXXX XXXX advising that I was pulled from the program. Again, I NEVER received any notification from XXXX XXXX letting me know I was no longer in forbearance, not a certified letter, not a call and not an email. Prior to this situation I had never missed a payment and had an excellent credit score. I would not knowingly jeopardize that good standing and have to deal with this horrible situation of trying to correct it. I would greatly appreciate any assistance you might could give on this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
My wife XXXX XXXX and I rented an apartment from XXXX XXXX XXXX in XXXX FL. We tried to pay the landlord twice and she rejected our payments that cause us to fall behind. We moved out before an eviction was filed. We were notified by and attorney from XXXX GA we owed {$4900.00}. The apartment was clean and no damage was done. I have photos and videos. This amount is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-02-07 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: MO

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-02-07 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: MD

Complaint narrative:
During the COVID19 pandemic, I was late one payment though I discussed this with XXXX XXXX. I was late only one payment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told it would be excused and not reported as late. It was reported as late in 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
During the COVID19 pandemic, I was late one payment though I discussed this with XXXX XXXX. I was late only one payment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told it would be excused and not reported as late. It was reported as late in 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
During the XXXX pandemic, I was late one payment though I discussed this with XXXX XXXX. I was late only one payment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told it would be excused and not reported as late. It was reported as late in XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a couple of store credit cards and noticed they are now charging a fee for paper statements. I feel this is something the CFPB should address as it is taking advantage of the consumer. Digital statements can be beneficial, but most consumers have email inboxes that are filled with thousands of emails. The chances of a consumer overlooking a monthly billing statement are high. Forcing consumers to switch to the paperless statements can lead to more late payments which means the financial institution would be collecting more fees. Interest rates are already high enough! They should not be trying to get even more money from consumers! Additionally, anytime financial information is transmitted online, there is an increase risk of fraud! Lastly, what about consumers who pass away or are otherwise unable to access their digital statements?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX - XXXX - {$1400.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

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 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have been disputing this outdated account for BARCLAYS BANK since XX/XX/year> and i have not been getting any movement on removal on this 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 2025-02-07 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: TX

Complaint narrative:
Formal Dispute of Inaccurate and Unverifiable Items Under FCRA & FDCPA I recently reviewed my credit report and discovered multiple violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your agency has reported unverifiable, inaccurate, and misleading information, failing to uphold compliance procedures that ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Furthermore, under 15 U.S.C. 1681i ( 5 ), any inaccurate, incomplete, or unverifiable information must be promptly deleted or corrected. If you can not provide verifiable proof within 15 days, you must remove these accounts. The following items require immediate attention : Disputed Accounts and FCRA Violations : XXXX XXXX XXXX Equifax ) - Collection Account ( {$670.00} ) No proof of validation from the original creditor ( 15 U.S.C. 1692g ).

Failure to ensure accuracy under 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX ( Experian, Equifax ) - Collection/Charge-off ( {$1600.00} ) Marked as derogatory without proper validation ( 15 U.S.C. 1681s-2 ).

Unverified debt reporting against FCRA compliance. 

XXXX ( XXXX XXXX ) - Collection/Charge-off ( {$630.00} ) Listed with inconsistent reporting dates, violating 15 U.S.C. 1681e ( b ).

Consumer disputes not properly investigated ( 15 U.S.C. 1681i ( a ) ). 

XXXX XXXX ( TransUnion ) - Collection/Charge-off ( {$13000.00} ) Past due balance reported despite being paid, which is misleading ( 15 U.S.C. 1681s-2 ). 

XXXX XXXX ( Experian, Equifax ) - Charge-off ( {$270.00} ) Dispute not properly marked as pending reinvestigation ( 15 U.S.C. 1681i ( a ) ( 2 ) ). 

XXXX XXXX XXXX ( All Bureaus ) - Collection ( {$19000.00} ) Account remains open as derogatory, despite dispute resolution ( 15 U.S.C. 1681i ( 5 ) ).

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 2025-02-07 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: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incorrect Spending Requirement Calculation Chase XXXX XXXX XXXX  Credit Card To Whom It May Concern at the CFPB, I am filing this complaint against JPMorgan Chase regarding their handling of the welcome bonus spending requirement for my Chase XXXX of XXXX Credit Card XXXX I believe Chase incorrectly calculated the XXXX spending period, which resulted in the wrongful denial of my XXXX Free Night Awards. 

Details of the Issue : I applied for the Chase XXXX XXXX XXXX Credit Card online on XX/XX/XXXX and received my card on XX/XX/XXXX. My credit card membership officially started on XX/XX/XXXX, which should mark the beginning of my XXXX spending window. 
Chase claims that my spending deadline was XX/XX/XXXX, but based on my membership start date, it should have been XX/XX/XXXX, XXXX total spending within 3 months of receiving my card was {$4000.00}, with my last qualifying transaction made on XX/XX/XXXX. 
Chase denied my bonus, stating I did not meet the spending {$4000.00} requirement within the XXXX period, even though their calculation appears to be incorrect. 
Attempts to Resolve the Issue : I contacted Chase multiple times via secure message and phone to request a review of their calculation. 
Chase repeatedly stated that my spending period ended on XX/XX/XXXX, without providing any explanation of why it did not align with my membership start date. 
I requested escalation to a XXXX, but Chase refused to reconsider my case, stating they must " treat all customers fairly. '' Why This is Unfair and Misleading : Chase did not clearly communicate that my spending period would start before I received and activated the card. I applied the card online how do i know if my application got approved or not.How do I know When is my first day of this credit card. 
If I had known my spending deadline was XX/XX/XXXX instead of XX/XX/XXXX, I would have ensured I met the requirement in time. 
Other Chase credit cards typically calculate the spending period from the card activation date, which is a reasonable expectation. 
Resolution I Am Seeking : I request that Chase honor the XXXX Free Night Awards as I met the spending requirement within 3 months of my membership start date. Additionally, I ask for greater transparency in Chase 's promotional offers to ensure future customers do not face similar issues. 

Thank you for your time and assistance in reviewing this matter. I appreciate the CFPBs help in ensuring that financial institutions fairly and accurately enforce their promotional terms. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account on credit report past XXXX years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event. 
After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing. 


Procollect account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from trans union of original 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  account on credit report past XXXX years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.

Procollect account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from trans union of original 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 non-monetary relief