vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized withdrawal from my XXXX savings account in the amount of {$6000.00}. I reached out to the bank, and they started a case. I called each successive day to find out what happened to my money. On XX/XX/XXXX, XXXX business days later, no representative knew what happened and the money was still not in my account. The following day, Saturday, I noticed that the account was refunded the {$6000.00}. I did not receive a call on the matter. 

On Monday, XX/XX/XXXX, I called first thing. I was told no one called because it was resolved at the end of business day on Friday. The first person I talked to told me the error occurred because a customer of Webster Bank, XXXX 's parent, had the same account number as mine and that's where the money went. 

There was no real apology and when I asked for renumeration for their mess up and delay in getting it fixed, they said they would try to get the interest owed on the 3 days the {$6000.00} was out of my account. They made it sound like they were doing me a favor. 

I then spoke to a supervisor who said what I was told about having an account number the same as someone else was inaccurate. He then told me, that the teller who processed the withdrawal of the other persons account, ( it was done at a brick-and-mortar store ), miscoded it. He too said there would be no compensation for the bank error. 

I find it ironic that the bank has all kinds of fees it charges to customers, overdraft, falling below balances etc, yet when they make a mistake, there is no penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 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 2025-03-17 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and XXXX  with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/year> I called to request that my debt be returned to American Express. I wanted to know if that'd be possible. The line was directed to a XXXX XXXX I verified the XXXX account number and proceeded to ask my question. I was then stopped by XXXX XXXX and was told that I needed to give him my full social security number to verify my identity. When I expressed that I was uncomfortable with giving my complete social security number ( When I personally have not entered into an agree with them and am uncomfortable with them have my personal information ), XXXX XXXX began yelling at me and using predator tactics such as elevating his voice, misleading the conversation and talking over me, in order to intimidate me. I know by law that I not required to verify my identity by giving my full social. I wish to not deal with a shady business, with predatory agents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I received a letter from Synchrony Bank notifying me that my credit card with XXXX had been closed due to multiple dishonored payments. I find this to be an extremely egregious reason to shut down my card considering I have been a long time customer for years with this institution. I was in the process of switching my funds from XXXX account to another and this is how I was rewarded for trying to stay up to date on my finances. 

I find it disgusting that Synchrony Bank made the decision to continue collecting payments that were coming through either manually or from the autopay that was enabled ; yet they were very quick to close my account over XXXX to possibly XXXX missed payments that I have since rectified. I am requesting that my account be reviewed for reopening as this is an abusive action on their part and in my mind violates multiple standings with Regulation Z as this could affect my XXXX XXXX going forward.

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 2025-03-17 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, the consumer financial protection bureau ( CFFPB ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where expeiran has neither corrected nor removed disputed items despite the evidence I provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
These accounts have been closed since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I only have XXXX place of residence. My place of residence is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have addressess on the report that does not correlate with me in any matter. I have not leased, pay mortage or reside in any these addresses below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-17 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: PA

Complaint narrative:
I only have XXXX place of residence. My place of residence is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have addressess on the report that does not correlate with me in any matter. I have not leased, pay mortage or reside in any these addresses below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In my Transunion Credit Report on XX/XX/year> appear and inquiry from XXXX XXXX XXXX that I never authorized or is identity theft, I am asking to be removed from my Transunion credit report. Just to make sure I would lock my credit report 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 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
collection bureau XXXX XXXX XXXX XXXX XXXX sent a collection bill of {$550.00} in XX/XX/year> a doctors bill that was not covered by my insurance. i agreed onthe amount of {$550.00} to pay. i made payments of {$75.00} a month until paid off in the amout of {$550.00}. i started my payments in XX/XX/year> i paid for XXXX  months @ {$75.00} my payments ended in XX/XX/year> I closed my account due to my bill be paid off. my payments of XXXX {$600.00} total amount paid.now collection bureau is garnishing my pay wages for additional amount of {$440.00} collection bureau say that now I have to pay court cost on top of original amount that was agreed on they want more money. collection bureau refuse to send requested documents.

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 2025-03-17 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: AZ

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX - XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-17 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 2025-03-17 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XX/XX/XXXXXXXX. - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year> 2025

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 2025-03-17 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: IL

Complaint narrative:
Under section 605 b and the Data breach with trans union this inquiry information have to be deleted within 4 business days not 30 nor 60 days also Title 15 USC 1681 and Title 15 use 1692 XXXX XXXX XX/XX/2024 Reference # 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 2025-03-17 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: IL

Complaint narrative:
Under section 605 b and the Data breach with trans union this inquiry information have to be deleted within 4 business days not 30 nor 60 days also Title 15 USC 1681 and Title 15 use 1692 XXXX XXXX XX/XX/2024 Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
Please remove these unauthorized credit inquires from my credit report. I'm apart of the data breach with Equifax. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: HLT CHECK EXCHANGE LLP
State: KY

Complaint narrative:
I made a complaint a month ago i believe it was about a check cashing place or payday loan called XXXX. And the complaint was closed because the company no longer exists or other reasons. The complaint should be on file. I received a phone call some months back about a payday loan that i know i paid. But these people called me and claimed they were XXXX XXXX XXXX XXXX and claimed i had a outstanding debt of {$120.00}. I asked them for all the information about when it had taken place and was told it was from XXXX. They gave me the location and i looked it up and remember specifically paying that loan off because like now they constantly harassed me and so i paid it of they kept coming to my house and leaving notes, it got aggressive. And when I told the lady her name is XXXX XXXX far as i know thats all the information i have about her but i ask for her to stop the harassing calls and i want all correspondence done by mail concerning the issue because i am not just going to go along with anyone making claims like this, and i want proof. She got mad that i ask to stop calling and she said " she would call me everyday " I feel this is some kind of scam or extortion. The slackness of it all raises serious alarms its been over 20 years. So in about 10 days i received a letter. This letter they now have changed their name to HLT Check Exchange and have changed the amount owed to {$110.00}, with a {$3.00} fee. They also changed the date of the loan to XX/XX/XXXX. They call constantly and keep harassing me. Not to mention they show no proof of anything just a made up amount as they have changed the date it happened and the amount due along with a made up check number which i do not write checks at all. Even in all this now it has been 15 years according to them but when i ask to be contacted by mail i received it in about 10 days but now they have harassed me 15 years later even though i paid this off. When I told her that she said " oh well its not in the system. '' I wonder how many others they have pulled this scam on trying to make people repay loans thst have already been paid due to the amount of time passed. It all screams scam. They illegally call me as i told them to no longer call me and contact only by mail. I ask they remove my information from their system or take me to court so i can dispute the claim or however we have to do it. Because i know for a fact i paid this loan and my account has not been credited.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation