vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX To : Consumer Financial Protection Bureau RE : CBE Group Inc. Unauthorized and Illegally Reported Collection Complaint : This is a formal complaint against CBE Group Inc. for unlawful credit reporting practices, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

CBE Group Inc. is reporting a collection account on my credit file that I did not authorize, do not recognize, and never agreed to. I am demanding immediate and permanent deletion of this collection and all related data from all consumer reporting agencies.

CBE Group Inc. has failed to provide : A full and complete method of verification The Forward Flow Agreement proving the legal right to collect The full Chain of Assignment from the original creditor A signed contract or original agreement bearing my name or signature This is a direct violation of my rights under the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum accuracy 15 U.S.C. 1681i Failure to properly investigate and verify disputed data 15 U.S.C. 1681s-2 ( b ) Failure to cease reporting inaccurate or unverified information I am demanding that CBE Group Inc. immediately : 1. Cease and desist all collection activities 2. Delete and permanently block this account from being reported again 3. Provide the complete Forward Flow Agreement and Chain of Assignment 4. Provide proof of any and all rights to collect or report this debt Failure to comply will result in further legal action and a demand for statutory and actual damages for continued violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I purchased a mattress from XXXX XXXX which was described as a no interest promotion total price {$2100.00}. It ended up being a deferred no interest promotion charging me an exorbitant amount in XX/XX/year> over {$900.00}. To date, i have paid {$1200.00} on a $ XXXX purchase. Can you please help? This seems absolutely insane.

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 2025-04-22 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: MS

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 Experian, Equifax XXXX TransUnion 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 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 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter dated XX/XX/year> from Bank of America stating they had purchased wind insurance coverage for my property. After providing proof of my own insurance policy, BOA canceled their policy but charged me {$630.00} for coverage from XX/XX/XXXX to XX/XX/year>, which I have paid. 

BOA is now imposing an escrow account that will nearly double my mortgage payment starting XX/XX/year>. For over 15 years, I have opted out of an escrow account and managed my own insurance and taxes. 

Despite multiple attempts to resolve the issue, I believe BOA is engaging in predatory practices because I am close to completing my mortgage at a low interest rate. On XX/XX/year>, a BOA Escrow department representative told me refinancing was my only option to avoid escrow.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NJ

Complaint narrative:
b'I applied for their credit card and for verification purposes, they asked a bunch of documents from me. Front/back of my SSN card, bank statement, lease agreement, paystubs, driver\'s license, which I all sent them in through fax as they don\'t accept any documents via email. Their fax number is XXXX XXXX XXXX  Despite doing so, they just refused my application and when I called and asked for the reason, the lady told me that they refused the application because "they couldn\'t verify my identity". I don\'t understand how they cannot verify my identity when I sent them all the documents they asked from me and this is not the first time they did this. Back in XXXX I applied for their another credit card and they made me go through the same verification process and they gave me the same reason. I don\'t think this is right at all.'

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 2025-04-22 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: NJ

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

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 2025-04-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am disputing a hard inquiry placed on my credit report by Macys ( XXXX ), reported on [ XXXX XXXX Date ]. I contacted XXXX to request removal since no credit was extended to me, and no account or service was opened. They confirmed that no credit was issued but refused to remove the inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, for a hard inquiry to remain on a consumer report, it must be both authorized and tied to a credit transaction. Since no such transaction occurred, this inquiry should not legally remain. 

I am requesting the CFPBs assistance in having this inquiry removed 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My CD matured. Synchrony bank did NOT give my money on the maturity date ( XXXX ). After many telephone calls, this notorious XXXX bank ( I am a non white XXXX citizen ) gave my money on Tuesday ( XXXX ). This Corrupt and XXXX bank did not give me, as promised on telephone several times, XXXX day extra interest. 
Synchrony bank must, immediate credit the XXXX day interest, based on {$7200.00}, to my high yield synchrony account, 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 2025-04-22 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: NJ

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

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: GA

Complaint narrative:
Account - Tek Collect IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please DELETE account # XXXX XXXX XXXX XXXX XXXX as soon as possible from my XXXX  credit report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-04-22 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX received payment from my State of Michigan Income taxes and it was dismissed from the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DC

Complaint narrative:
In XX/XX/XXXX, someone stole my wallet and phone and they managed to get into my Chime account. Over the course of XXXX days ( XXXX ) they made thousands of dollars of unauthorized purchases, opened a XXXX XXXX  account, and requested a pay advance through XXXX. I tried to get into my Chime account and discovered I had been locked out. I called customer service for assistance and they restored my access. That was when I discovered all of the unauthorized activity that had occurred. I disputed all of the unauthorized transactions, and I was told that they could immediately refund me for the transactions involving a company called " XXXX '' but the rest of the transactions would need to be investigated. About XXXX weeks later, I got an email from Chime saying they investigated my dispute but didn't find any errors. In XX/XX/XXXX, I submitted another dispute because I still hadn't been reimbursed for the nearly {$4000.00} in unauthorized charges. A few days later they sent me the same exact email as before. I decided to go to the police station to file a police report, and I showed them the emails that Chime had sent me saying that they didn't find any error. The police said I needed to contact Chime headquarters. On XX/XX/XXXX, I mailed a letter to Chime via XXXX explaining that evidently my dispute wasn't thoroughly investigated because none of the fraudulent activity was in line with my history as Chime customer or my financial situation as a XXXX senior veteran who relies on a fixed income. I also noted that many of the transactions were apparently made using card numbers that I'd never possessed and didn't recognize ( I still have not received an explanation from Chime about how that could have happened ). About XXXX weeks later, I got another identical email from Chime saying that my dispute had been investigated and no errors were found. I met with an attorney and she helped me identify a few other unauthorized charges that had not been in my previous disputes ( a {$170.00} XXXX charge on XX/XX/XXXX and a {$2.00} XXXX instant advance fee on XX/XX/XXXX ). She also helped me file an identity theft report with the Federal Trade Commission ( FTC ). The total amount of un-reimbursed unauthorized charges is {$3900.00}. Furthermore, I am concerned that the fraudulently-opened Credit Builders account still has not been shut down even though I tried to close the account after I discovered it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-22 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: NV

Complaint narrative:
I recently reviewed my credit report and see a collection on my records for amount of {$12000.00} prof bebt, i already tried to fix with transunion and equifax and they no take any action about.

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 2025-04-22 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: MD

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

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 2025-04-22 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:
Please help me, I have attached supporting correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
Please help me, I have attached supporting correspondence

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 2025-04-22 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: MD

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

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 2025-04-22 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: IL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief