vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I changed banks. I updated my banking account information through Comenity Bank website for the XXXX XXXX credit card. My payment did not go through for whatever reason, and they charged me a returned check fee of {$30.00}, even though I didnt even send them a check and scheduled the payment through the website. I never received any kind of notification that the payment didnt go through. No phone call, email, fax, letter, pigeon, nothing. Most companies are blowing you up immediately when they dont get their payment. The supervisor I spoke with refused to offer me any type of credit. They refused to tell me why the payment didnt go through, whether it tried to get pulled from my old account, new account, what have you. I have filed a complaint with the XXXX  and they have not even responded to that complaint either. I just want that {$30.00} back, my account would be paid off for not that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: TX

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 non-monetary relief
Consumer complaint received 2025-02-25 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: CT

Complaint narrative:
I am writing to address the persisting errors and mistakes on my credit report, as highlighted in the updated report you provided in response to my previous dispute letter. It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist. As per the Fair Credit Reporting Act, it is your legal obligation to ensure that the information reported is accurate and complete.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I ordered a XXXX XXXX XXXX ( {$410.00} ) from XXXX XXXX on XX/XX/year>. I received an email that it was delivered on XX/XX/year>. However, when I arrived home there was no delivery. I checked my tracking number and it indeed noted a delivery through XXXX but it was signed by a XXXX I lived alone at the time and there was no one home, therefore impossible for anyone to sign. XXXX simply leaves packaged on my front porch. I then attempted to determine where the package was with XXXX, however when I entered my address the automated system noted that the address I was providing ( my address ) did not match the address on the package from the sender and there was nothing else they could do and I needed to contact the sender. I tried repeatedly to contact the sender with no response- they simply sent me a shipping label stating it was sent to me. After days of back and forth I disputed this with Chase and was refunded. At the time I was XXXXXXXX XXXX XXXX so simply purchased the crib from XXXX instead and didn't think about it again. After XXXX XXXX my daughter, in XXXX and later in XXXX I looked at card statements and noticed this charge reappeared on my account after it was initially removed. I called Chase to tell them I did not receive the crib and had to purchase another one. The told me, there was nothing they could do since it was out of the window the had to dispute again. I tried to reach out to the sender again and appeal and no help there. I then went to XXXX to get extra help. I found that the tracking number was indeed never sent to my address or my name and the sender was a fraud who had faked a shipping label. However, XXXX XXXXXXXX was not able to provide me with the name/address for security reasons. However, they stated if the sender called them they would confirm I did not receive the item to help me get a refund. After >6 attempts I was not able to get them to call and Chase was no help. I didn't know this was an option to file a complaint. But, I think consumes should be protected against this type of fraud. Scammers know that XXXX is unable to do anything but confirm that the package did not come to my address and they also know the days in which banks will no longer let you dispute again. And it is very easy for this window to pass as a new mom - being occupied with a new baby. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violation

s Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect cons

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Applied and was approved for Citi XXXX XXXX XXXX card on XX/XX/year>. Was instructed that the card was available for immediate use via temporary card information. Visited XXXX  warehouse on XX/XX/year>, received printout from customer service with temporary card information, which was used on the same day within the warehouse to make a pharmacy purchase without issue. 

Received physical card in mail on XX/XX/year>. Successfully activated card via Citi mobile app. Tried to add the card to XXXX XXXX and was instructed to call Citi. Called Citi and was instructed that they could not verify the account since I only had a single phone number and no banking accounts with them. They stated that they would have to send a verification code via mail which would take 4-7 business days. The account was then locked out of the mobile app until the verification code arrives in the mail. I can no longer see the account balance, due date, or manage payments. Citi representative was unable to verify how to handle the outstanding balance charged on XX/XX/year> via the temporary card.

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 2025-02-25 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have collections on my report that is hurting my credit score and I will like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account was charged for over {$6700.00} by to merchants XXXX XXXX and XXXX XXXX. I have never done business with either merchant. I filed a report as soon as I noticed these transactions and claim was denied. I went to the branch to further provide information for the claim as the information on the documentation was incorrect. I am not sure what else to do here.

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 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 Dispute Regarding Civil Liability for Negligence under 16810 Dear Sir/Madam, I am writing to formally dispute the issue related to my case concerning civil liability for negligence under Section 16810, which I believe has not been handled correctly. I am seeking resolution based on the legal framework that governs such matters.

I am aware that, as per Section 16810, there are specific guidelines under which negligence may lead to civil liability, and my situation may have been misinterpreted or mishandled in error. I request that a thorough review of my case be conducted, as I believe my claims or concerns have not been adequately addressed. The negligence referenced here pertains to inaccurate credit reporting. 

The key points I would like to bring to your attention are as follows : Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days.

I hereby request the Experian : 1- Conduct a thorough reinvestigation of the following dispute accounts or items, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Provide me with all documentation used to verify the accuracy of the disputed information. XXXX Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

I trust that the CFPB will give this matter the attention it requires and that a prompt and fair resolution will be reached. I look forward to hearing from you with confirmation of your receipt of this letter and any necessary next steps to proceed. 

Please feel free to contact me at [ phone number ] or [ email address ] should you require further information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX 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 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXListed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit report.

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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/year> under the account number ( XXXX ), a personal credit card account opened at XXXX  XXXX on XXXXXXXX XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-25 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: OH

Complaint narrative:
I recently received a copy of my credit report. I have contacted Experian a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that Experian made errors in reporting inaccurate accounts and public records on my profile and In accordance with the fair credit Reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
Wakefield and Associates, who have been collecting on a debt that I do not owe and have placed multiple accounts on my credit file regarding hospital emergency visits. These charges are inaccurate because I have health insurance with XXXX copay under my state employment government insurance, meaning I should not be liable for any costs associated with these visits. XXXX XXXX. No deductible. 

I only received notice from this collection agency AFTER it was on my credit. My consumer rights have been egregiously violated. 

I have already contacted XXXX XXXX XXXX regarding this issue by phone, yet they continue to report this erroneous debt on my credit file, which is causing significant damage to my credit score and financial reputation. This is a clear violation of my rights as a consumer, as XXXX XXXX XXXX  are attempting to collect on a debt that I do not owe and are damaging my credit with inaccurate and misleading information. 

As per the Fair Credit Reporting Act ( FCRA ), they are required to report accurate information, and under the Fair Debt Collection Practices Act ( FDCPA ), they are prohibited from attempting to collect a debt that is not valid. I demand the immediate removal of these false accounts from my credit report and that XXXX XXXX XXXX cease their collection efforts regarding this non-existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. Details of Disputed Inquiries 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 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 XXXXXX/XX/XXXX XXXXquifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

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