vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX DEMAND NOTICE Date : XX/XX/XXXX VIA CERTIFIED MAIL Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : FINAL NOTICE - IMMEDIATE ACTION REQUIRED Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX Documented FCRA Violations Credit Profile Discrepancies ( As of XX/XX/XXXX ) XX/XX/XXXX Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) - Account # XXXX reporting inconsistencies - Last payment date discrepancy ( XX/XX/XXXX vs XX/XX/XXXX ) - Missing original balance information - Different loan terms reported XXXX. XXXX XXXX ( {$12000.00} ) - Account # XXXX - Loan type discrepancy ( Auto Loan vs Lease ) - Payment history inconsistencies- Different reporting dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXXXXXX XXXX ( {$6100.00} ) - Different account numbers reported - Inconsistent payment history - Varying charge-off dates- Different past due amounts FCRA Violations ( 1681 ) 1. Accuracy Failures ( XXXX ( b ) ) - Inconsistent balance reporting - Different account statuses - Varying payment histories XXXX. Investigation Failures ( 1681i ( a ) ) - Failed to properly investigate disputes ( XXXX ) - No response to written disputes- Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) - Failed to maintain consistent reporting across bureaus - Different personal information reported - Inconsistent account details IMMEDIATE DEMANDS : 1. Remove all fraud alerts impeding website access 2. Correct all inaccurate information within 3 days 3. Provide written confirmation of corrections 4. Compensate statutory damages ( {$14000.00} ) Failure to comply within 3 days will result in immediate legal action seeking maximum statutory damages, actual damages, punitive damages, and attorney fees. 







NOTICE : A separate civil complaint will be filed for identity theft damages. 


Respectfully submitted, Authorized Representative of D-EDWARDS TRUST XXXX : XX/XX/XXXX : Consumer Financial Protection Bureau Federal Trade Commission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-03 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: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I hired a contractor through the XXXX app for a bathroom mirror repair job. The contractor provided an email address for Zelle payment. I sent the agreed-upon amount via Zelle to the provided email address, and my bank confirmed that the transaction was completed, with the funds successfully debited from my account. 

However, the contractor claimed he did not receive the payment and insisted that I pay him in cash to complete the job. To avoid further complications and ensure the work would be completed, I reluctantly withdrew cash and paid him in person. This effectively resulted in me paying him twice, as the Zelle payment was already confirmed to have gone through. 

Upon further investigation, it seems possible that the initial payment may have been linked to another account. I am seeking assistance in resolving this double payment issue and would like to prevent this contractor from misleading others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: WI

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2024-11-03 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: WI

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2024-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
A few months ago my credit was ran by Capitol One Bank for a credit card on XX/XX/year> that I did not authorize. Now this Hard inquire is affecting my score. It needs to be removed because I did not approve of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
They are reporting this account from XXXX which is inaccurate thats when they purchased the debt. XXXXXXXX account was closed XX/XX/XXXX. Ive disputed this account numerous times with transunion, each time it comes back verified and correct which is completely inaccurate. There is literally no history listed on my credit report other than the date. This account continues to affect my credit negatively. I want this account either updated with the correct dates, payment history shown, the account closed with the right documentation provided. Not changed just because they can. If this cant be fixed I want it removed.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
This company is reporting inaccurate address birthday and name on my consumer report federal law states if a consumer is reporting in accurate information on my consumer report it XXXX deleted this is a inaccurate account can you please delete this information

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 2024-11-03 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: LA

Complaint narrative:
A few months ago my credit was ran by XXXX XXXX XXXX for a credit card on XX/XX/year> that I did not authorize. Now this Hard inquire is affecting my score. It needs to be removed because I did not approve of this.

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 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
XX/XX/year> dispute Chase Bank discriminated. 

Chase Bank is wrong. 

Chase Bank representative statement, " XXXX '' Question XXXX XXXX XXXX XXXX wrong?XXXX 

XXXX statement. XXXX stated. 

Chase Bank discriminated. 

Chase Bank is wrong. 

Privacy Act Law XXXX XXXX XXXX XXXX provided XXXX different receipts for the same transaction with an amount showing XXXX. 

XXXX charged XXXX for the same transaction. Reported to XXXX XXXX, XXXX, and Chase Bank. 


Chase Bank website is not working to upload receipt, transaction documents from XXXX XXXX as Chase Bank representative stated was needed. 

Chase Bank, XXXX, XXXX XXXX and CFPB and FDIC violated 8th amendment, Civil Rights Act Law, Discrimination Act Law, Human Rights Act Law, HiPAA Act Law, Constitional Rights Act Law, Privacy Act Law, and XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
XX/XX/year> {$1200.00} PayPal Routing # XXXX Acct # XXXX IRS confirmed payment sent but never received payment need payment transfered to a prepaid card paper check or new updated account with correct info to access acct. I dont have any idea what email acct I used to create account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
my mom sent me money, which was {$50.00} to an account. They locked my account and deleted it and when I tried to log into the account, it made me made a whole new account and I tried to contact them and they said they dont have access to the account even though the account is seen on my moms Cash App so they basically stole my money and they wont give me access to the account, they wont even send my mom a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK
State: IL

Complaint narrative:
Tried several times to negotiate. The company abused the legal process in order to extract maximum payment over fair negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION
State: PA

Complaint narrative:
This Company is Reporting false information on a debt that was already paid in full that is negatively impacting my credit score & refuses to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Tried several times to negotiate. The company abused the legal process in order to extract maximum payment over fair negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have noticed that my account has been reporting a charge-off every month. This consistent reporting seems to be reaging the debt, making it appear more recent than it actually is. This situation is causing undue harm to my credit report and overall financial standing. I believe this practice is misleading and does not accurately reflect my payment history. I would appreciate clarification on this matter and request that you review my account to ensure that it is reported correctly, considering all relevant factors. Thank you for your attention to this issue. 

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 non-monetary relief
Consumer complaint received 2024-11-03 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: MO

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 not showing on credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not showing accurate information on credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 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 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am reaching out to express my deep frustration with the XXXX service recently introduced by Chime. This service has led to significant financial disruptions, making it extremely difficult to manage my bill payments. When I initially agreed to try XXXX, I was assured by an agent that my advance limits would not decrease. However, contrary to this assurance, I have experienced a steady decrease in these limits, which has made paying essential bills challenging. 

Initially, Chime was consistent in releasing the advance limits in full, which allowed me to manage my finances effectively. Now, the advance is disbursed in small amounts daily, making it nearly impossible to meet my obligations, especially those that require a larger sum. I believe that this issue XXXX stem from a system error, as it seems Chimes systems do not recognize both my incentive pay and my regular paycheck, leading to inaccurate adjustments. 

Due to this issue, I have been unable to pay my therapist for the past XXXX months, which has had a detrimental impact on my mental health. Therapy is critical for managing my anxiety, which directly affects my ability to work effectively. In fact, on XX/XX/2024, I was forced to leave work early without pay due to the stress caused by these financial complications. 

I am requesting that Chime take swift action to resolve this issue by restoring my advance limits to a level that allows me to meet my obligations fully. Additionally, as a gesture of goodwill and acknowledgment of the inconvenience and hardship this has caused, I request that Chime refund all instant transfer fees incurred since XX/XX/2024. 

I trust Chime will take these concerns seriously and look forward to a prompt response and resolution. Please feel free to reach out to me via the contact information above to discuss this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Veros Credit, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Veros Credit Unreasonable Delay in Title Release After Loan Payoff Dear Consumer Financial Protection Bureau XXXX XXXX am filing a complaint against Veros Credit for what I believe to be an unreasonable delay in releasing the title to my vehicle after I fully paid off my auto loan. Veros Credit has not provided a clear or legal justification for withholding my title, causing unnecessary inconvenience and impacting my rights as a vehicle owner. 

Details of the Complaint Lender : Veros Credit Account Number : XXXX Vehicle : XXXX XXXX XXXX Date of Final Payment : XX/XX/XXXX Amount Paid : [ Insert Amount if Known ] On XX/XX/XXXX, I completed the final payment on my auto loan with Veros Credit. Following this payment, Veros Credit issued a settled in full confirmation letter, which I have attached to this complaint. However, when I requested the release of my vehicle title, Veros Credit informed me they would hold it for an additional 180 days without explaining a legitimate reason or citing a lawful basis for this extended delay.

Applicable Law I understand that XXXX  law ( XXXX XXXX XXXX ) requires lienholders to release a lien and provide title documentation within 15 business days after a loan is paid in full. Veros Credit 's 180-day hold appears to violate this law, and their lack of transparency or explanation has raised serious concerns regarding their practices. 

Steps Taken to Resolve I have contacted Veros Credit to inquire about this delay, but their response has not clarified the reason for withholding my title. Given the lack of information and the significant delay, I am seeking assistance from the CFPB to ensure Veros Credit complies with applicable regulations and promptly releases my title.

Desired Resolution I respectfully request that the CFPB assist in compelling Veros Credit to immediately release my vehicles title as required by law. This delay is impacting my ownership rights, and I hope the CFPB can help ensure Veros Credit follows fair practices.

Attachments 1. Copy of Settled in Full letter from Veros Credit dated XX/XX/XXXX. 



Thank you for your attention to this matter. Please feel free to reach out to me at ( XXXX ) XXXX or XXXX for any additional information needed to process my complaint. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: NJ

Complaint narrative:
Ive made excessive reports on my money being stolen out of my account from XX/XX/year> up until XXXX had contacted customer support multiple times asking can their company which is NetSpend blocked and cancel the card and also the merchant so I wouldnt have to worry about the scammers stealing from me again and they failed to do so, letting scammers take approximately {$3700.00} dollars from me. I have proof of me complaining to netspend since I first realized I was being robbed and they didnt do anything to help me, I couldnt buy my daughter a XXXX XXXX due to this inconvenience and these guys obviously dont care. When I filed the dispute to get at least provisional credit NetSpend closed my account for suspicious activity and said I was no longer getting any provisional credit when Ive been telling them there was suspicious activity going on from the beginning. The NetSpend bank mentions its insured by FDIC which my money shouldve been insured but it wasnt. Can you guys please help I have proof of everything I am saying, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This company is reporting inaccurate address birthday and name on my consumer report federal law states if a consumer is reporting in accurate information on my consumer report it XXXX deleted this is a inaccurate account can you please delete this information

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This company is reporting inaccurate address birthday and name on my consumer report federal law states if a consumer is reporting in accurate information on my consumer report it XXXX deleted this is a inaccurate account can you please delete this information

Company response to consumer: Closed with explanation