vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX BANK # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out regarding incorrect information on my credit report that needs to be addressed immediately. After reviewing my report, I noticed several discrepancies that are simply not accurate and need to be corrected right away.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Incorrect Personal Information : Name : XXXX XXXX Date of Birth : XXXX Employers : EMPLOYED Employers : THE XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I need VyStar Credit Union to correct my credit report for a mistake they did on a payoff internally with an incorrect balance. On XX/XX/XXXX of 2024, I signed the second mortgage loan # XXXX, under this application one installment loan with VyStar was included to be paid off at closing for {$990.00}. The payoff was done directly on their system on the day of the disbursement ( XX/XX/year> ) but they left {$12.00} as balance, and this was reported on my credit report as late payment. 
I already submitted a dispute on the credit agencies, but I need a letter from your institution about the correction needed, since VyStar Tittle Agency was the responsible for the total payoff of this account. I never requested that payoff balance on this personal loan, since this was done inside the same company. I already send an email to my closing office, XXXX XXXX, but she hasn't got any response or action from the responsible parties. Also, just called the customer service line and they requested to the VyStar Branch at XXXX XXXX to help and correct this situation, since they were the ones that payoff the loan on the disbursement date. 
I expect that somebody can give me some attention and help on this matter. I need them to take responsibility for the error and the correction of this mistake that caused a late payment on 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 2025-03-12 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a XXXX XXXX and requested for reevaluation. But the Bank declined based on many wrong reasons. 
1. They said the Wells Fargo Checking Account balance last year is low. I opened this account last XXXX and the balance should be low. Because if it's high when I opened the account, it will trigger their security process. And I did put some direct deposit into that account. I recently changed employment and I have given the account information to the HR for direct deposit but they haven't put it into the system.

2. They said the credit usage in other banks is high. I have paid the cards and raised my credit line by {$2500.00} in XXXX XXXX. As of now, my credit usage is less than XXXX  %.

3. They said the new credit cards opened in the last XXXX months are high. When I submitted the application, I only have XXXX credit cards, XXXX with XXXX opened in XXXX, and XXXX with XXXX XXXX  opened in XX/XX/XXXX, which is more than XXXX months ago. 
Please contact me. 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 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX : A few months ago I decided to get a new cell phone and number. Shortly after, I change my email address. As I paid monthly bills I diligently changed both email address and phone number until I attempted to make the changes to my Chase checking account. 

XX/XX/XXXX and XX/XX/XXXX : Chase says, for my security I am not allowed to change the very same Personal Information that I inputted from my, desktop computer, when creating the account years ago. In order to change phone and email I will be required to call an XXXX number. My Cell Phone has Nothing to do with my computer accounts.

Involving ( cell ) phone lines, operators, and potential eaves droppers does not enhance security because I would have to give account number and other personal information to??????. Also, wasnt online banking created to, Cut out the middleman security risk? 

In the mean time documents are being sent to an old email address and there is nothing that I can do except call an XXXX number which increases MY RISK of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Set up to to a mortgage refinance through M & T Bank. My closing costs were estimated at around {$9000.00}. When the paperwork was done closing costs for a house I already OWN was over {$14000.00}. I tried to fight this huge difference to no aval. This affected the money we got back from a HELOC we took out to do home improvements. We want to continue doing home improvements but cutting into out HELOC is a big issue. This all started on back k. XX/XX/XXXX when we reached out to MTB for information. We are closing on Friday XX/XX/XXXX. We are closing because our rate lock expires and we can't risk losing our interest rate. We feel it is hugely unfair to pay so much in closing costs for a home we already own. It takes money out of our pockets. The company did nothing to reduce out costs besides taking away the origination fee. I tried everything to get them to help especially since I've been a customer there for a very long time. Please help us in this situation it is truly unfair.

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 2025-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
We made a XXXX time purchase. Interest free, fee free type card. Minimum payment required every month. XXXX XXXX ish. Set up auto payment at our bank. All payments made before due date. Our XXXX payment was cashed by Comenity bank on XX/XX/year>. Now we get a refund of our payment saying we didn't pay ...????!!! And they charged us a {$41.00} late fee. We called and no one can help us with anything. No way to prevent this happening again. 

This is purposely a ploy to mess up our 1 year interest free account by " saying '' they didn't receive our payment which is untrue by their own admission by sending it back to us! This practical must be stopped! 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 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: TN

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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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 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 2025-03-12 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:
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 2025-03-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

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 2025-03-12 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-12 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Turnbull Law Group
State: NJ

Complaint narrative:
Turnbull Law Group promised to reduce my debt through negotiation and structured payments. 
They advised my credit score would not be negatively affected. I am in a XXXX  XXXX and my loan and credit card debt became a burden. 
I had a perfect payment score with NO late payments before hiring Turnbull Law Group. 
I sent an email on XX/XX/year> cancelling my service with them, despite that, they continued to withdraw money. 
They withdrew {$1000.00} from my checking account and paid only {$85.00} toward my accounts. 
My credit is ruined and the lienholders are threatening to sue me. 

I have been paying what I can. 

My concern is my credit rating which I have worked so hard to improve. I feel that I am the victim of fraud, and would like to know if something can be done to correct my rating and negotiate a settlement with then companies. 

I would like the monies paid to Turnbull to be used to pay my debt as agreed instead of being used for unwarranted fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan Chase Bank -- - Requested online disbursement of funds, and then followed up to verify and authenticate via phone. Funds were not disbursed and were held for no reason after I was told the payment was approved. 

I submitted a complaint about this online to Chase on XX/XX/XXXX, and subsequently in-person at a branch. I even spoke to the Branch Manager, XXXX XXXX. 
The complaint confirmation number I received was : XXXX. 

On Mon, XX/XX/XXXX, I entered a wire request for a domestic funds disbursement to a domestic company for the account I have held with Chase for XXXX  years. By Weds, I did not have confirmation of that request, so I called Chase. I was transferred to the Fraud Dept., where I answered a series of XXXX questions. They told me the wire was then approved. 

By XXXX, XX/XX/XXXX I still didn't have confirmation that the wire would be sent. I called and it was still pending. I then asked the Chase payments group to CANCEL the wire, because I had to make the payment and it was " stuck '' in Chase 's process. XXXX minutes later, I was transferred to XXXX different people, who finally said they would submit it for cancellation. 

I then received a notification saying that my wire " failed '' the " fraud clearance process ''. THIS IS NOT ACCURATE, and needs to be corrected on my account. That payment was supposedly approved in the system, per a recorded phone call, as recorded in my accounts following the appropriate review. 

The payments and transfers department is covering their tracks for errors they make. They failed to process the wire approval in a timely manner, after it had cleared the security process. It needs to be correctly reflected on my account. I've been a chase customer for over 30 years, and I've never seen anything like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
I am filing this complaint against Nationwide Capital Services , LLC dba Structured Settlement for failing to remove accounts XXXX and XXXX from my XXXX credit report despite their commitment to do so. 

In response to CFPB Complaint # XXXX, Nationwide Capital Services XXXX XXXX XX/XX/year>, that these accounts had been closed and that updates with the Credit Reporting Agencies would be processed within 60 days. However, as of today, these accounts are still being reported by XXXX. 

This continued reporting of inaccurate and outdated information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Nationwide Capital Services is responsible for ensuring that the information they furnish is accurate, complete, and timely updated under 15 U.S.C. 1681s-2 ( a ) ( 2 ).

I am requesting that Nationwide Capital Services immediately instruct XXXX to delete these accounts and provide written confirmation of the deletion. If this issue is not resolved promptly, I will have no choice but to escalate this matter further.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: AL

Complaint narrative:
They refuse to en-able my account and some one opened my cashapp account with my ssn they refused so they decided to close my account but Im never use cashapp my whole lufe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 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 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