vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
This company charges and exuberant billing cycle fee bi monthly ( dependent on payroll schedule ) and only 1 % of those fees go towards your principal making it nearly impossible to pay off the loan. On a {$5000.00} loan I pay XXXX bi monthly {$540.00} per month only {$45.00} is applied. Even after making an additional payment the balance only increases the following billing cycle. The company only urges you to make an extra payment towards the principal to bring down the balance. This is predatory lending. 

XX/XX/XXXX ACCOUNT SUMMARY Credit Limit : {$5000.00} Outstanding Principal Balance : {$4500.00} Available XXXX : {$410.00} AMOUNTS DUE Minimum Payment Due : {$270.00} Due Date : XX/XX/XXXX Your Minimum Payment includes your Billing Cycle fee STATEMENT SUMMARY Previous Balance : {$5300.00} Advances : {$0.00} Payments and Credits : {$770.00} Fees ( Billing Cycle Charges ) : {$220.00} XXXX  XXXX : {$4800.00} XX/XX/XXXX ACCOUNT SUMMARY Credit Limit : {$5000.00} Outstanding Principal Balance : {$4500.00} Available XXXX : {$410.00} AMOUNTS DUE XXXX Payment Due Date : XXXX XXXX XXXX to pay more than your co reduce the amount you will e Charges and increase your oue unmediately : {$0.00} STATEMENT SUMMARY Previous Balance : {$4800.00} Advances : {$0.00} Payments and Credits : {$0.00} Fees ( Billing Cycle Charges ) : {$210.00} New XXXX : {$5000.00} XXXX TOTALS YEAR-TO-DATE Billing Cycle Charges : {$210.00} XX/XX/XXXX ACCOUNT SUMMARY Credit Limit : {$5000.00} Outstanding Principal Balance : {$4500.00} Available XXXX : {$460.00} AMOUNTS DUE Minimum Payment Due : Due Date : {$260.00} XX/XX/XXXX to pay more than your reduce the amount you your Minimum Payment. 
Amount Past Due ( Due Immediately ) : {$0.00} STATEMENT SUMMARY Previous Balance : Advances : {$5000.00} {$0.00} {$270.00} {$210.00} New Balance : {$4900.00} XXXX TOTALS YEAR-TO-DATE Billing Cycle Charges : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received an email regarding some possible fraudulent activity on my debit card on Wednesday, XX/XX/XXXX. I stopped by a Wells Fargo branch the next day to speak with a banker and get my debit card cancelled and a new one issued. The banker helped call into the claims team and get a dispute for XXXX transactions that posted ( {$100.00}, {$1000.00}, {$1300.00} ) totaling {$2300.00}. A good amount of other transactions were tried but fortunately declined. The merchant was XXXX PA. The bank currently has the dispute open but I have still not received any provisional credit or an answer yet : I have contacted the bank and the merchant multiple times a day and keep getting that the investigation is ongoing. I need this hard earned money back and scared my bank wont back my money like they said they would when I signed up for the account.

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 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
I submitted a complaint to the XXXX  and CFPB on XX/XX/year> in regards to the breach of contract and of my payout. I still have not received my payout. Per the Self financial app, I was suppose to receive my payout XXXX business days after completing loan amount. I made my last payment on XX/XX/year>. Ive made several attempts to resolve this issue via phone calls and emails to no avail, Self has stolen my XXXX and refuse to release it to me. I have included the signed contract between Self Financial and I, which DONOT state in the signed contract that at anytime I have to submit an ID or documentation to start an account or after completing the loan for payout. Self Financial also sent me an email which I included stating that the review process can take up to XXXX  days and after that the funds will be released on XX/XX/year>, its been over the stated 90 days. Self Financial is in breach of contract and is committing Wire Fraud against its customers like myself. Self financial have already been sued before as well. They are constantly changing their contracts to cover their end while defrauding their customers. RELEASE MY MONEY NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a business Checking account And deposited a check of {$3500.00} At the time I open the account They close the account saying that they don't like the name of my company And they don't want to return My money saying they could not veriby who gave me the check I gave them the number of the organization that gave me the check for a paid invoice And they are playing stupid like They don't understand the language they can not reach The owner of the organization Ridiculous claims XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have discovered fraudulent hard inquiries on my credit report, XXXX  XXXX XXXX XX/XX/year> | XXXX XXXX XX/XX/year> | XXXX XXXX XX/XX/year>. Please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Throughout the time frame of XXXX, XXXX  to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Resurgent Capital Services, Reference ID : XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist from this activity as soon as possible within fifteen ( XXXX ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to me by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for PaymenXXXX. 
Kindly govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: RI

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating that my account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may contravene the Customer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFBAs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure that Equifax complies with federal law and provides customers with the necessary proof of investigation. The accounts that I am reporting as inaccurate are XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by XXXX and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within 30 days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 2025-02-06 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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 XXXX {$3300.00} DATE OPEN : XX/XX/year> 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 2025-02-06 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:
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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 XXXX {$3300.00} DATE OPEN : XX/XX/year> 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 2025-02-06 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-06 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: OH

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to formally notify you that Portfolio recovery attempts to collect on the alleged debt referenced attached to this complaint are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If Portfolio Recovery is not aware the entire claim is regulated by an arbitration agreement with the original Creditor. Which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings as the account attached to this complaint does not belong to me. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that Portfolio Recovery has no right to collect on this alleged debt that does not belong to me. I am asking for help to fix this issue immediately as Portfolio recovery has been completely Negligent in responding to my initial dispute attached from over XXXX  days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
On XX/XX/year> my sister and I went to XXXX XXXX XXXX to finance a couch. Once we figured out which couch we wanted we spoke with an employee and they helped us to see who would qualify for a line of credit. I got approved so we went ahead with the financing through me. The couch had a promotion on it for XXXX  months of interest free payments and the employee had also explained to us that if we made sure to pay off the couch before the XXXX  months we would not receive any interest upon the couch. The XXXX  bill comes on XX/XX/year> and we pay our money but when the billing statement comes, my sister realises that there was a bunch of interest placed upon our payment. I intended to look into it but the months of XXXX and XXXX were very hectic so we didnt figure out what was really happening until the month of XXXX. We reached out to both XXXX and XXXX and both of them gave us the runaround, blaming the other party. XXXX said XXXX is the one that we needed to contact in order to honour the promotion. We werent able to get in contact with the store via phone so we physically went to the store on XX/XX/XXXX. XXXX said that they werent able to do anything on their end and we needed to get in contact with XXXX. They also called XXXX while we were there and another agent told XXXX they needed to handle it. Another issue with this is when the sale was being made I was not informed that I would be opening a credit card. I was just told that this it is a card that I need in order for me to make payments on the couch. Under false pretences about the sale, as well as the promotion for the couch not being honoured, I would like something to be done. When we visited XXXX early XXXX, an employee sent out an email to see if anything could be done. She did a follow-up email XXXX days later and no one has responded to that email to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This agency is infringing on my consumer rights by misleading, false, and deceptive tactics. I have explained to them many times that there should no balance since the phones were returned as requested by sprint. 

This Company is breaking the law by failing to provide proper validation details as required under 12 CRF 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report for over XXXX years.

Company response to consumer: Closed with explanation