vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I charged my XXXX XXXX payment to my Prosper XXXX. While logged into the Prosper website, I selected Make a Payment. The available options were Full Balance, Statement Balance, Minimum Payment, and Custom Amount. A message at the bottom of the screen stated I could schedule a payment up to XXXX  days in advance. 

I selected XXXX XXXX at that time. 

However, on XX/XX/XXXX, XXXX processed the entire account balance of {$690.00} instead. When I contacted customer service, I was told that payment preferences take XXXX to XXXX billing cycles to go into effect and that the transaction could not be stopped. They advised me to call my bank to try to reject the payment. My bank confirmed that they do not charge an overdraft fee if the savings account has insufficient fundsthey simply reject the XXXX. 

XXXX informed me that if the payment is rejected, they will attempt it again and charge a return payment fee. 

I was told this delayed processing timeline is in the auto-pay agreement within the mobile app. However, I made this change on the website, and there was no mention anywhere that the change would not take effect immediately or that it could take up to XXXX billing cycles. In my experience, this is not a standard practice for credit cards, and the lack of clear disclosure is misleading. 

The representative told me to call back if Im charged a return fee, but I do not have confidence they will waive it. I believe this is a deceptive practice, and Im requesting CFPB intervention to hold Prosper accountable for failing to disclose this information to users making changes via their website.

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 2025-04-08 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: IL

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : LATE OPEN XXXX XXXX {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5400.00} Date Opened : XX/XX/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 2025-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
This is not my first attempt to address the fraudulent reporting tied to the XXXX XXXX XXXX XXXX account currently listed on my Experian credit report. I have made multiple formal disputes and requests, and at this point, Experian is fully aware that this account is fraudulent, unverifiable, and being maintained without legal justification. 

The account in question reflects a XX/XX/2025 payment of {$1000.00}, which XXXX claims was made on my behalf. However, I have provided documented proof ( attached ) that no such payment was made from any account belonging to me. This charge has no financial trail tying it to me, and yet Experian continues to report it, thereby giving legitimacy to false activity.

Lets be clearI am not disputing just the charge. I am disputing the existence of this entire account as being fraudulently associated with me. The {$1000.00} charge is simply further evidence that XXXX is either : Accepting payments from unauthorized or unverified sources to artificially present this account as active, or Entering fictitious data to avoid default status and charge-off reporting. 

In either case, continued reporting of this account after prior notice and failure to validate constitutes complicit benign neglect on Experians part.

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 2025-04-08 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

XXXX XXXX balanced {$1000.00} date XXXX XXXX XXXX  XXXX  XXXX balanced {$3900.00} date open : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

XXXX XXXX balanced {$1000.00} date XXXX XXXX XXXX  XXXX  XXXX balanced {$3900.00} date open : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-04-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a letter from Resurgent Capital Services in attempt to collect a debt that they state I have to pay/requesting is {$1200.00}, which is an inaccurate amount. This debt collector is currently reporting to the credit bureaus with the amount of {$1300.00}. I question the legitimacy of this letter just for the fact that it doesn't match my credit report or actual debt. I should state that the original creditor, XXXX XXXX XXXX , whom the debt collector is stating I owe is currently reporting a XXXX balance on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
Category : Bank account XXXX Product : Checking account Issue : Fraud or scam Company : JPMorgan Chase Bank What happened : A forged check in the amount of {$21000.00} was fraudulently created using my Chase account and routing number and deposited at XXXX XXXX on XX/XX/year>. The check was never authorized, endorsed, or written by me, yet XXXX accepted it and Chase honored it removing the funds from my account without verifying legitimacy. 



I reported the fraud on XX/XX/XXXX, filed a police report on XX/XX/XXXX, and Chase acknowledged my claim on XX/XX/XXXX. Since then, Chase has repeatedly delayed the investigation, citing multiple vague approval layers and mishandling by internal departments. Despite providing all documentation and clear evidence of fraud, Chase has not returned my funds. 



On XX/XX/XXXX, Chase informed me a third internal approval was needed, and that they would not issue any credit or resolution until XXXX XXXX, 30 days after my initial report despite having had full documentation for weeks. 



This delay constitutes bad faith handling of a clear-cut check fraud case, violating the banks obligations under UCC Article XXXX and consumer protection standards. 



What do you want Chase to do to fix the problem? 


CLAIM # XXXX I want an immediate refund of the {$21000.00} that was fraudulently withdrawn, a written explanation from Chase about XXXX this failure occurred, and a formal acknowledgment that the case was mishandled and will be corrected going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Reservation XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to repair a XXXX XXXX for {$260.00}. They sent me the photo of the XXXX XXXX  which is below safety level. I disputed with the company. Now they sent to a collection agency to collect this amount ( The Receivable Management Services LLC, Reference Number 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 2025-04-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DPT TREASURY  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-04-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The corporation XXXXXXXX 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 XXXXXXXX ) XXXX. These accounts are being reported fraudulently, per the FCRA. XXXX XXXX XXXX ( b ), 15 USC 1681b these had no permissible purpose, legal and lawful consent to report anything on my consumer report. Then per 15 USC- 6802 this corporation did not get written permission from me to report anything on my consumer, sell, trade, or report this third-party XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX my private nonpublic sentative information from XXXX corporation to another without legal and lawful consent and authorization to do so. This is identity theft, this is Conspiracy Title XXXX XXXX XXXX XXXX XXXX XXXX CHARGED OFF BOTH OF THESE ACCOUNTS which means they received a tax write off from the IRS. XXXX is reporting both accounts monthly for a period of 38 months combined. XXXX XXXX XXXX XXXX is reporting both accounts as a charge off and did not provide me with a XXXX for both account after they receive a profit lost and a write off as payment from the IRS. This is tax evasion and a 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 2025-04-08 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: NV

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation
Consumer complaint received 2025-04-08 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: NV

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-04-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX List of Unauthorized 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-08 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: PA

Complaint narrative:
I have identified serious discrepancies and potential legal violations concerning the management and reporting of my debt associated with the XXXXXXXX XXXX managed by XXXX XXXX  XXXX and subsequently handled by your agency. This account has been reported as a charge-off with an outstanding balance of {$830.00} on my credit report.

Lack of Debt Validation : Despite repeated requests, I have not received adequate validation of this debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency has hindered my ability to verify or dispute the debt accurately.

Improper Communication and Collection Practices : Your agency has failed to provide proof of your authority to collect this debt, including the absence of a purchase agreement between yourselves and the original creditor. Additionally, there has been no proof furnished that your agency is licensed and bonded to collect debts in my state, which raises concerns regarding the legality of your collection efforts.

Revocation of Communication Consent : I am formally revoking any consent previously implied for your agency to contact me via telephone, email, or text message regarding this account. I request that all future communications be conducted through postal mail only.

Reporting Without Proper Authority : The account continues to be reported without adequate proof of your authority to do so, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

Company response to consumer: Closed with explanation