vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX / AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, American Express and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within XXXX days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within XXXX business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

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 2025-01-24 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 was shocked to find an unauthorized inquiry on my credit report today, and I have no clue why it's there. I always check my report, but this time, something was clearly wrong. I refreshed my browser multiple times, hoping it was an error, but it did not go away. This situation is incredibly frustrating, and I demand an immediate resolution. I urge you to thoroughly examine the documents I submitted to prevent this from happening again.

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 2025-01-24 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: CA

Complaint narrative:
This company has pulled my credit report and submitted applications in my name that I do not recognize. These inquiries are completely fraudulent, and I have neither authorized them nor applied for anything with this company. I previously contacted Equifax, and their representative assured me that these inquiries would be removed, yet they still remain on my credit report. This ongoing issue is causing unnecessary stress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on the credit report. Leaving inaccurate or unverifiable. Accounts unresolved. The consumer financial protection bureau CFPB has filed a lawsuit against Experian alleging, systematic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute out these outlines aligned with my experiences. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all disputed accounts, as experians inaction violates federal law and my rights as a consumer

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
The account reads : Infiniti : Charged off account with XXXX late payments in XXXX The account is not charged off. 
Infiniti received their full amount owed in XX/XX/XXXX. I received my Titles from Infiniti in XXXX of XXXX. 

Also, the vehicle was never repossessed. 

My father was the cosigner. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I Strongly Disagree on Wells Fargos Response because they decieved me to loss my fund to the scammers. 

I want to notify CFPB ; Wells Fargo Bank was keep invading my right of disputing fraud transactions and tried to conceal my truth. 

Regarding Wells Fargo 's response on case number ***************** and Consumer Financial Protection Bureau case number ***************, I strongly disagree. It is a completely unacceptable response. Wells Fargo is still concealing its faults. The check I deposited on XX/XX/year>2024 was cleared and fully credited to me on XX/XX/year>2024 but was returned unpaid on XX/XX/year>2024. After my bank, Wells Fargo, cleared the check, I trusted the company enough to apply for a job at the XXXX XXXX XXXX. When I deposited the check, Wells Fargo failed to notify me that the check was returned unpaid. In conclusion, Wells Fargo is fully responsible for my loss, whether they like it or not, because they are the primary reason for my loss. Today, Wells Fargo became a primary reason for my loss of XXXX dollars. Legally, WF is responsible for reimbursing this amount.

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 2025-01-24 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:
I have 4 collection agencies trying to collect a debt that I do not owe them, they have improperly used my credit report to stifle my financial endeavors causing me to not have access to vital assistance from other parties. I never signed into any agreement with these companies and the fact that trans union and XXXX is allowing access to these third party companies to damage XXXX citizens credit reports is insane. I have disputed these reports multiple times and ask for evidence that I have a signed agreement for the debt and have received nothing but a denied removal. 

This was the statement I put in my dispute : I have no knowledge of who this collection agency is as I have never entered into any agreement to work with them, could I please be provided with evidence stating that I have signed into any agreement with this company. 

I would also like to reference these codes 15 USC 1681b 15 USC 6802 18 USC 1028a

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 2025-01-24 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: CA

Complaint narrative:
I have 4 collection agencies trying to collect a debt that I do not owe them, they have improperly used my credit report to stifle my financial endeavors causing me to not have access to vital assistance from other parties. I never signed into any agreement with these companies and the fact that XXXX XXXX and XXXX is allowing access to these third party companies to damage XXXX citizens credit reports is insane. I have disputed these reports multiple times and ask for evidence that I have a signed agreement for the debt and have received nothing but a denied removal.

This was the statement I put in my dispute : I have no knowledge of who this collection agency is as I have never entered into any agreement to work with them, could I please be provided with evidence stating that I have signed into any agreement with this company.

I would also like to reference these codes 15 USC 1681b 15 USC 6802 18 USC 1028a

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 2025-01-24 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: AR

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-24 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: AL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XXXX XXXX, XXXX 5.XX/XX/XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XXXX - XX/XX/XXXX 9.XX/XX/XXXXXX/XX/ XXXX XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XX/XX/XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XX/XX/2023

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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
Paid account in full without settlement. 
Contacted asking to have report updated. 
Report still not updated to reflect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I have asked this company for any signed documents they have that show I authorized or approved these charges. All they will send me is an itemized receipt. I then asked for them to only contact me via mail, but they continually call. I have blocked their number after each attempt, but they continue to call daily from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : 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 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Comenity Bank in relation to their management of a XXXX XX/XX/XXXX account I originally opened on XX/XX/year>2021, through XXXXXX/XX/XXXX Comenity Bank assumed responsibility for the account and has since engaged in conduct I believe violates several provisions of federal law. 

Key Issues : 1. Failure to Provide Original Documentation : Comenity Bank has refused to provide original invoices or statements related to the amounts purchased on the account, despite multiple requests. This failure violates my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, which requires creditors to provide documentation to substantiate charges on a disputed account.

2. Improper Fees on a Closed Account : The account in question has been closed for at least a year, yet Comenity Bank continues to assess late fees. This may constitute a violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( b ), which requires accurate and transparent billing practices. Continuing to charge late fees on a closed account appears fraudulent and is harmful to my financial standing.

3. Refusal to Negotiate a Compromise Payment : I have attempted in good faith to negotiate an all-inclusive compromised payment to resolve this matter and erase outstanding debts, yet Comenity Bank has refused to cooperate. Their lack of responsiveness undermines fair debt collection practices as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., particularly 1692d, which prohibits unfair or abusive practices in debt collection.

4. Failure to Respond to Consumer Requests in a Timely Manner : Comenity Bank has limited its customer service communication to a po box , with responses taking up to 90 days. This violates the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, which requires financial institutions to investigate and resolve disputes within 45 days.

Thank you for your attention to this matter. I look forward to your guidance in holding Comenity Bank accountable for their obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
The reporting of this charged-off auto loan violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in their reports. Furthermore, the inconsistent reporting across the three credit bureaus indicates a failure to comply with 15 U.S.C. 16815-2 ( a ) ( 1 ) and ( a ) ( 2 ), which require furnishers to report accurate and consistent information to all credit reporting agencies and to correct any discrepancies promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have ask for several accounts to be taken off of my credit report due to incorrect information as well as accounts that did not belong to me. 
Instead the accounts were sold to collection companies without proper verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-01-24 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:
Company was not updating my credit information correctly and deleting incorrect information on my accounts.

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