vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-18 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes, regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing 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, Equifax '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 No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XX/XX/year> Resurgent Capital Services LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear Resurgent Capital Services of LVNV Funding LLC, I hope this message finds you well. I am writing in reference to the PDF response I recently received from your office. Unfortunately, I am unable to access or open the document due to technical issues with the file format. It is as if a file was not uploaded. 
Could you kindly provide an alternative format or resend the document in a more accessible format, such as a Word document or plain text? This would greatly assist me in reviewing the details of the correspondence and halt my taking of further legal action. 
Please let me know if you need any further information from my side in order to facilitate this request. I appreciate your attention to this matter and look forward to resolving this as soon as possible. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX Synorus Bank, has violated my writes. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I recently submitted a complaint with Citibank under the belief that they applied the incorrect promotion to my account. They were kind enough to send me a promotional agreement in the mail, that was not signed by me. They also wrote me a response that makes mentions a note on my statements that state the interest rate may change depending on the exact promotion. Recently, I appear to be having difficulty establishing autopay with them as well as several other cards. I would like to know if they would be willing to just allow me to pay off the original balance.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I've made attempts to fix these issues directly with them and they just violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. I reached out to the companies they have 2 accounts balance {$4700.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and reporting twice on my credit report it needs to be deleted ASAP XXXX XXXXXXXX XXXX XXXX is also reporting twice on my credit file it needs to be deleted I have called and sent a lot of requests to creditor and credit bureau Account Name XXXX XXXX XXXX Account Number4913V3XXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> also the credit advised me that i have been a victim of the data breach and identify theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I've made attempts to fix these issues directly with them and they just violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. I reached out to the companies they have 2 accounts balance {$4700.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and reporting twice on my credit report it needs to be deleted ASAP XXXX XXXXXXXX XXXX XXXX is also reporting twice on my credit file it needs to be deleted I have called and sent a lot of requests to creditor and credit bureau Account Name XXXX XXXX XXXX Account Number4913V3XXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$4700.00} XXXX XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Balance {$1000.00} Date Opened XX/XX/year> also the credit advised me that i have been a victim of the data breach and identify theft

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
XX/XX/year> i contacted southwest credit systems in attempt to collect more information on a debt that was showed up on my XXXX XXXX. When i was connected with a rep. Thry said in order for me to obtain information about thr debt i owe i have to pay 1 . This didnt seem right so i questioned the lady on the phone and she claimed its the cost for there soft ware to access the information. But i know according to cfpb the information should be free to my disposal. I would like this account resolved asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are unauthorized hard inquiries on my credit report. 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XX/XX/year> I was walking out of the XXXX  building and XXXX kids approached me asking to donate to their XXXX  team. One kid took my phone and sent himself {$1000.00}. the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States The amount that was taken out was {$1000.00} I have reached out to XXXX  filing an unauthorized charge immediately after. I am waiting to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Due to the nature of the items reporting on my credit report, I am unable to obtain loans. the charge off and late reporting should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX Amerisave/XXXX XXXX executed an unauthorized transaction in the amount of {$1600.00} against my XXXX XXXX XXXX account XXXX I did not facilitate nor authorize this transaction. 

I received a letter from Amerisave Mortgage on XX/XX/XXXX. The letter was dated XX/XX/XXXX and postmarked XX/XX/XXXX. The letter stated Amerisave received an authorization request to make a change to my automatic payment information.I did not submit any such document to Amerisave/XXXX  Mortgage. 

XX/XX/XXXX I contacted Amerisave/XXXX to obtain a copy of the authorization form that permitted Amerisave/XXXX  to draft my account on XX/XX/XXXX. The call began with a representative named " XXXX '' and was transferred to XXXX ( XXXX ). Neither of the individuals were able to provide any information regarding the transaction and XXXX became beligerent when I asker her for a copy of any authorization that permitted Amerisave to draft my XXXX XXXX XXXX account. I was not provided any documentation. 

XX/XX/XXXX I contacted XXXX XXXX XXXX, requested a copy of the transaction and authorization. I was informed that it appeared to be an online payment facilitated by account and routing number, back up documentation was provided. I did not facilitate nor authorize this transaction. I would have no reason to as I moved my direct deposit to another financial institution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered multiple accounts that are inaccurately listed under my name. These accounts are completely unrelated to me and should not be affecting my credit history. This is a serious matter and causes significant concern. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to a credit report that is both complete and accurate. These inaccuracies must be investigated and corrected immediately. I expect a swift resolution and a thorough review of the erroneous information. If this issue is not addressed promptly, I will be forced to consider legal actions to protect my rights.

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 2025-02-18 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: CA

Complaint narrative:
I had filed a dispute with Experian. Inaccurate balances, missing information are reported. They did not update any information. All I see is a deletion of an old address and phone number but no updated numbers in credit report, regarding balances, etc. Information all 3 credit bureaus have in my credit reports does NOT match. All are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
On XX/XX/year>, I received a letter from JPMorgan Chase Bank, N.A., stating that my bank account ending in XXXX would be closed within 30 days. The reason provided was that the bank found " evidence of abuse of the claims process. '' However, this decision is completely unjust and incorrect because the disputes I filed were legitimate and based on fraudulent transactions caused by identity theft. 

Key Issues with Chase Banks Decision : Victim of Identity Theft : I was a victim of fraud and unauthorized transactions on my account. 
The disputes I submitted to Chase were genuine and in response to fraudulent charges.

I followed the banks standard procedures to report unauthorized activity.

Unfair Account Closure Without Due Process : Instead of protecting me as a fraud victim, Chase decided to close my account. Chase failed to provide specific evidence or give me a chance to dispute their claims. This decision is unfair and penalizes me for reporting fraudulent transactions. Severe Financial Impact : The closure of my account disrupts my direct deposits, automatic payments, and overall financial stability. Chase also stated that I may not be
able to open similar accounts in the future, further impacting my financial well-being.

Actions Taken : I reported the fraudulent activity to Chase as soon as I noticed the unauthorized transactions.

I followed all the banks procedures for disputing fraudulent charges.

I attempted to contact Chase for clarification, but I have not received a fair explanation or any evidence justifying their decision.

Requested Resolution : I request that Chase reopens my account or provides a detailed explanation of their claims against me.

I request that Chase acknowledges my identity theft case and removes any negative remarks associated with my account.

I ask the CFPB to investigate Chase Banks unfair treatment of fraud victims and ensure that consumers are protected when they report unauthorized activity. 
I appreciate your attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: AZ

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-18 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-18 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: PA

Complaint narrative:
This inquiry was not approved by me. I have had no discussions with this lender on the mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Its now XXXX XXXX  and since this morning, ive gotten 8 phone calls from them today. This is and will not be over for the day as they continuously call me throught the day even past XXXX XXXX  and well into the night. Every single day.

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 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
AIDVANTAGE CONTINUES TO PERPETUATE FRAUD WITH RESPECT TO MY STUDENT LOANS. MY STUDENT LOANS WERE FRAUDULENTLY PLACED IN INCORRECT STATUSES BY MY LOAN SERVICER NAVIENT GOING BACK TO AT LEAST THE YEAR XXXX  I WAS GIVEN BAD INFORMATION AND STEERED INTO STATUSES AS WELL AS CONSOLIDATION ALL IN AN EFFORT TO TAKE ADVANTAGE OF ME ( A STUDENT WHO THOUGHT MY LOAN SERVICER WAS OPERATING IN MY BEST INTEREST ). 

I AM NOT BEING GIVEN CREDIT FOR AT LEAST 10 YEARS - XXXX ( 3 YEARS ) ; XXXX ( 5 YEARS ) AND XXXX ( 2 YEARS ). 

I SHOULD HAVE WELL OVER THE XXXX PAYMENTS TOWARD XXXX FORGIVENESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation