vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2023 I was XXXX by a company as a procrument manager. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The HE manager was XXXX XXXX. Phone XXXX. 
This was a fraudenlent company that I later going out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX no XXXX productos at Best buy. 
I was gold they would pay down my Citi bank card using there company bank accounts. XXXX XXXX ask for authorization. Citi never did. This Scam was after Citi bank. I was just victimizacin. My police report number # XXXX. Citi bank, Macys XXXX XXXX. I filled out a contract that was notarized with my job description. This person XXXX sent me an email with what I needed to purchase and she sent me the bank account of their company to pay it down then she sent me a shipping label where I shipped the material. I feel that these scams go after a credit card companies and I am just a victim. Citibank did not ask for any authorization letter before these payments were made like XXXX XXXX did which seems to me wouldve been proper procedure. The police department investigated and found that this was a fictitious company that was not real. I was able to stop shipment on the XXXX products of the laptops charged by XXXX and I took those back to Best Buy after I found out from XXXX XXXX that this was fraud. Citibank has done nothing I have reached out to them and emailed them and given them police reports and they have just Put me in collections because of this theyve ruined my credit and closed my accounts with Macys my XXXX  account was closed due to nonpayment because I was unemployed due to this fraud. Citibank put me in collections because of this as well. Please help me. I dont understand how credit card companies do not request authorization. I feel no payments should be immidiate until verified. This fraudulent company was using XXXXXXXX XXXX account numbers.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Asked company to investigate and remove incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

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 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 2025-02-28 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, This complaint is connected to the other one filed against XXXX XXXX bank. 
XXXX XXXX XXXX  has received {$3200.00} in refunds/credits on my credit card with them. XXXX XXXX XXXX  mismanaged the money and " applied '' the funds to the prior transactions that I never made. The history and transactions records are very mismanaged by this bank. The current transactions and refunds don't get posted in the order. 

I requested the full refund of {$3200.00} from XXXX XXXX with the request to close all the accounts with this bank due to funds mismanagement. 

The partial refund of {$2800.00} was sent by check to my Chase bank account. By law, once I deposited the check, it can not be reversed, or a stop payment can not be placed on the check already deposited. 

But the Chase Bank violated the law and put the stop payment on the check that was deposited 2 days ago, the partial refund check received from XXXX XXXX. 

XXXX XXXX has sent a partial refund and two days later put a stop payment on the check. 

Chase Bank violated the law and my customer rights. Chase put a stop payment on an already deposited check. Chase took the money from my checking account that rightfully belonged to me.

Chase Bank created a negative balance on my checking account, stopped the payment on the already deposited check, which shows that Chase, exactly like XXXX XXXX, is mismanaging the people 's fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: VA

Complaint narrative:
Over the past month, I have made several calls to Discover and was consistently redirected to XXXX XXXX XXXX, XXXX, as they were assigned to collect the debt. Each time I contacted them, my account was on hold, preventing them from providing me with a balance. Today, I called and they informed me that the hold had been removed. However, the account information with XXXX is incorrect, leading to an overcharge. 

The account was sent to XXXX with a balance of {$23000.00}, which increased to {$25000.00} due to interest. A judgment was issued for {$25000.00}, which does not accrue further interestmeaning the balance should only decrease as payments are made. In XXXX, two payments totaling {$3600.00} were applied to the account, and Discovers credit reporting now reflects a balance of {$19000.00}. However, XXXX has acknowledged these payments but has not adjusted the collection amount accordingly. They continue to demand the full judgment amount despite the payments made. 

I have raised this issue with multiple Discover representatives, but each time, I am referred back to XXXX. Although Discover acknowledges ownership of the account, they claim they can not intervene because it was sent to a collection agency. I even had one representative facilitate a call with XXXX, during which XXXX admitted there was an error. However, they are unable to correct the balance on their system, preventing me from making the correct payment online. Additionally, Discover is refusing to accept my payment directly. 

This situation forces me into a position where the account can not be properly settled without overpaying due to the collection agencys miscalculation, while Discover, as the account owner, refuses to accept my payment for the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
Terrible company!! I didn't use the cards, I can't use it, can't check the balance. 
Called the company number XXXX, they informed me that cards been compromised but they can't open a dispute or do anything because i called after 60 days. WHAT!! Was it my fault from the beginning!? I pretty sure i called during the 60 days but it show how nasty they are. 
Cards number XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
In XX/XX/year>, I encountered health and family problems, which prevented me from paying my mortgage punctually. I reached out to my mortgage provider to inquire about the amount necessary to settle my mortgage account. They said that I should send {$1700.00}. 
I transferred {$1700.00} on XX/XX/XXXX, but the mortgage company stated they would not accept my payment of {$1700.00}, claiming that I needed to pay {$3200.00}. The mortgage never returned my {$1700.00} to my bank account, and I can provide my bank statement as proof that they didn't send the money back. On XX/XX/XXXX, I transferred {$1600.00}, and it was received by them on XX/XX/XXXX. On XX/XX/XXXX, I transferred {$1700.00}, and on XX/XX/XXXX, I sent {$1600.00} a total of {$3300.00}. 
The mortgage company stated they won't accept my payments and will foreclose on my house. 
I have made the payments required by the mortgage, yet it continually rejects my payments and seems to want to push me to abandon my home. 

I need assistance, as Im afraid of losing my house, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a Notice of Trustee 's Sale regarding my residential property. After consulting various resources, it has been recommended that I promptly seek the counsel of a qualified attorney specializing in real estate and foreclosure law. The debt collection efforts by Real Time Resolutions , Inc., located in XXXX, Texas, and XXXX XXXX XXXX  in XXXX, California, involve a claim exceeding {$200000.00}, plus 19 years of accumulated interest. I contend that this claim is invalid, as it stems from a fraudulent Home Equity Line of Credit ( HELOC ) loan, of which I had no prior knowledge or provided consent. 
I possess all original documentation from the purchase of my home in XXXX, as well as the alleged HELOC documents, which I believe to be fraudulent and designed to deceive me with false information. There is no evidence to substantiate that I received the funds in question, and Real Time Resolutions , Inc. has not provided proof of bank withdrawals to support their debt claim. 
I am currently seeking legal representation to contest this unwarranted foreclosure. Unfortunately, my previous attorney has been XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, which necessitated XXXX and a prolonged recovery period. On XX/XX/XXXX, I visited his office to execute a Declaration in Support of Motion for Temporary Restraining Order and Preliminary Injunction ; however, he was unable to file the documents on that date or the following day due to his accident. 
Also on XX/XX/XXXX, I received confirmation via email from the California Attorney General 's Office that an investigation into the HELOC fraud was initiated, based on the 45 documents I submitted in XXXX. 
I am requesting the intervention of the Consumer Financial Protection Bureau ( CFPB ) to immediately halt the actions of XXXX XXXX, XXXX, and specifically XXXX XXXX XXXX. I believe his conduct violates the California Homeowners ' Bill of Rights, Regulation Z, the doctrine of laches, and the ethical standards of his profession as an attorney. Furthermore, his actions may potentially constitute a felony under California Penal Code 115. 

Thank you RP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( XXXX XXXX Acct # XXXX ). Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-02-28 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief