vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
I am filing a complaint against Equifax failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of the role investigation. This practice violates the fair credit reporting ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene be consumers financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB Equifax complies with federal law and provides consumer with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank double charged me for patio furniture I purchased. I have called them multiple times to try to get the dispute resolved, they have refused to resolve it. I purchased the patio furniture on XX/XX/XXXX it was supposed to have been purchased on a promotion of 12 months interest free. I had my account set up to pay the balance due monthly so they withdrew {$1200.00} from my checking account. I called to have them correct it to the promotion they sent me a check for that amount and then charged my XXXX account for the same amount which I started paying off. However they then charged me again for the refund they had sent. I paid the patio furniture in full on XX/XX/XXXX. They are still showing that I owe the amount that was refunded to me for their mistake. I would like a full audit of my account with Synchrony Bank for 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 2025-02-20 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: VA

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX account name XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

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. 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 explanation
Consumer complaint received 2025-02-20 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: IN

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.

I have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.

I am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.

Thank you for your prompt attention to 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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX a transfer of XXXX  XXXX was made from XXXX XXXX XXXX, XXXX XXXX to Citi Bank ( XXXX ). 

The money was credited to my bank account as per the Payment Order Form. However, subsequent to the money being credited to my account, it was reversed and credited on XXXX ( XXXX ) occasions, resulting in the money not being credited at all. 

Citibank has advised that the money was eventually returned to the originating bank, XXXX XXXX XXXX  in XXXX XXXX. The funds have never been received or credited to the originating bank and Citibank continue refusing to provide any documentation proving their claim that the money was returned. 

I have made numerous telephone calls to Citibank in an effort to solve this mystery and locate the {$46000.00}. 

I attach correspondence with Citibank which will confirm the above. 

In addition, I have now been blacklisted by credit agencies as a result of the incompetence of Citibank. 

My final letter to Citibank is dated XX/XX/XXXX. However, I am not confident that I will receive the information requested based on the non-committal responses I have received thus far. 

Thank you for your intervention and assistance. 

Attachments : - Letter to Citi dated XX/XX/XXXX ( with attachments ) - Letter to Citi dated XX/XX/XXXX ( sent by registered mail ) - Letter from Citi dated XX/XX/XXXX - Letter to Citi dated XX/XX/XXXX - Letter from Citi dated XX/XX/XXXX - Letter to Citi dated 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XXXX2025 I noticed unauthorized charges from my checking account. There were a total of XXXX, XXXX had posted and XXXX were pending. I called Chase to notify them. The charges were to XXXX XXXX  for XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX The representative put in a dispute for the XXXX that had posted, said he put in something for the pending ones, cancelled my card, and ordered a new one. He said I would receive a provisional credit within 10 business days after the pending charges posted. I received a letter from Chase today stating that the claim was closed and no credit would be given and to contact them to request the information they used in their investigation. I called them and spoke to a representative and a supervisor. They both told me the claim was denied because there were valid charges on the account between the fraudulent ones. The first representative said they needed documentation from me that I didn't make the charges but could not tell me what documentation they need. I asked to speak to a supervisor. She also said that there was no proof of fraud due to the other charges I actually did, such as my car insurance. I again asked for the information used during the investigation and she said there is no information available and there was nothing more she could say or do. I asked for the address for their legal team and she said she did not have this either and no credit would be given. I asked how I am supposed to prove I did not do something and she couldn't tell me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PR

Complaint narrative:
On XX/XX/year> a Hard Inquiry appeared on my credit from a XXXX XXXXXXXX XXXX ( Hotel and travel ) when I did not apply for any credit line.

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 2025-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Cease and Desist I am writing in regards to the collection efforts being made by your agency related to the above mentioned account. I formally request that you cease all communication and further collection activities regarding this debt. This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) to stop all communication with me including phone calls, texts, emails or other forms of contact. I do not wish to be contacted further regarding this matter. 
Please note that if you continue to attempt to collect this debt in violation of my request I will take further action which may including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission and my State Attorney General. 
If you intend to take legal actions or file a lawsuit regarding this debt. I request that you provide a written verification of the debt and the 1099 of any action taken to date. Please ensure that any further communication sent to me in writing and only if required by law..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX Attention : Dispute Resolution / Customer Service Subject : Dispute of Debt Due to Identity Theft ( Account # : [ Insert Account Number ] ) Dear Sir/Madam, I am writing to formally dispute a debt of {$3900.00} listed under my name on XX/XX/year>, which I believe to be a result of identity theft. This account is not mine, and I have already filed a police report to report the fraudulent activity. A copy of my police report was previously sent to you on [ Insert Date you sent the police report ], but I have not received a response within the required XXXX period. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am asserting that this debt is fraudulent and that I am not responsible for it. I am requesting that XXXX XXXX XXXX investigate this matter thoroughly, as it involves the use of my personal information without my consent. 

In accordance with the law, I am requesting the following : Immediate removal of the fraudulent debt from my credit report, as it is the result of identity theft. 
Written confirmation that this debt is being investigated as identity theft and that no further collection efforts will be pursued while the investigation is ongoing. 
Notification that XXXX XXXX XXXX will not sell, transfer, or report this fraudulent debt to any collection agencies or credit bureaus, in compliance with the Fair Credit Reporting Act. 
Proof that the investigation was conducted and the steps taken to resolve this issue. 
Please provide me with a written response within XXXX XXXX of receiving this letter. If you are unable to validate this debt within that time frame, I ask that you immediately remove this debt from my records and cease any further attempts to collect or report it. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX had multiple previous issues with this issuer, primarily constantly requesting a physical credit card multiple times and never receiving it, though confirming my address and requesting multiple times. - made multiple credit card payments from 2 different accounts to ensure sufficient funds after first payment " returned '' - Capital One tells me I have insufficient funds but payments are posting to my account and getting pulled from my account. - Multiple payments were " returned '' ( not cleared for or reflecting on my credit card but taken out of my bank accounts. ) -Called customer service multiple times, was notified it has to be a client issue, - -dealt with customer service representatives that would refuse to decide that the issue was a capital one issue, would say it's a bank/insufficient funds issue or client problem. Have lost almost XXXX $ in credit card payments that have been " returned '' and not reflecting. Now a late payment fee is charged on my account that is SUPPOSED to have no late fees. Attempted to call customer service one last time, was redirected 3 times and was consistently interrupted when attempting to share my concerns, realized this issue would be just like the other times I attempted to contact about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX 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 MIDLANDCRE XXXX, XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rice.I would like for you to be removed immediately. XXXX Account number XXXX Date opened XX/XX/year> and XXXX XXXX XXXX Account number XXXX XXXX opened XX/XX/year> this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report immediately

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 2025-02-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rice.I would like for you to be removed immediately. XXXX Account number XXXX Date opened XX/XX/year> and XXXX XXXX XXXX Account number XXXX XXXX opened XX/XX/year> this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report immediately

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 2025-02-20 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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.
State: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief