vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX {$470.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As stated in my previous complaints Wells Fargo is refusing to refund my money from unauthorized charges. I have since reached out to the merchant and sub merchant. ( XXXX XXXX and XXXX ) who have said my bank has put a hold on the funds and it should be cleared within a few days. This has not happened. I also reached out to Wells Fargo who have closed my claim and said they will not reopen it. I will attach the conversations Ive had with the merchants showing they see the declined unauthorized charges on the account. Please help me.

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 2025-01-01 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: TX

Complaint narrative:
I am writing to file a complaint against the credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and im seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors. Providing all necessary supporting documentation. However the agency has failed to perform a reasonable investigation as required by FCRA and has neglected its obligation to correct the accurate information. FRCA Rights Disregarded : the rights to have accurate information corrected promptly ( Section 611 ( aX1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX6 ) ) The right to deletion of modify inaccurate information ( Section 611 ( aX5 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I purchased 2 AmEx Gift Cards for my sons for XXXX. They are entirely unusable online, despite being advertised as useable online. The cards have no problems with taking {$0.00} authorization hits pre online checkout, but at checkout they are 100 % declined despite the balance on the card being sufficient. The transactions are from XX/XX/year> thru XX/XX/year>. Or varying amounts, from $ XXXX {$240.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
1. Missing Online Statements ( XXXX, XXXX, and XX/XX/year> ) : Prosper has not provided proof that statements for XXXX, XXXX, and XX/XX/year> were sent. 
I submitted evidence that these statements were unavailable online, and Prosper has not addressed why they were missing or how I was expected to monitor my account activity without access to statements. 
2. Refund and Annual Fee Mismanagement : On XX/XX/year>, Prosper refunded my {$39.00} credit balance via check and charged a {$39.00} annual fee at the same time. This refund was issued without notification and before six months had elapsed, based on my billing cycle.

I never received the refund check, and Prosper has not adequately addressed why notification of these transactions was not provided. 
3. Improper Minimum Payment and Delinquency : The {$30.00} minimum payment referenced as late is directly resulted from the {$39.00} annual fee they charged without notice. 
As I did not use the card and had a credit balance prior to these actions, no minimum payment should have been due. 
This {$30.00} unpaid balance caused a delinquency to be reported on my credit report, which is inaccurate and should be corrected. 
4. Failure to Provide Substantiation : Prosper has failed to provide concrete evidence of compliance with TILA, including proof of statement delivery, notification of the refund, or explanation for why I was not made aware in monthly statement of the {$39.00} annual fee being charged. 


Summary : This situation could have been avoided if Prosper had followed TILA requirements by providing accurate and timely monthly statements and notifying me of the refund and annual fee. The missing statements and lack of communication left me unaware of the activity on my account, leading to improper fees and inaccurate credit reporting.

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 2025-01-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The ongoing presence of fraudulent inquiries on my consumer report has created a devastating cascade of personal and financial consequences, despite my repeated attempts to resolve this issue. As a confirmed victim of identity theft, these unauthorized inquiries have severely impacted my ability to achieve crucial life goals, most notably preventing me from purchasing my dream home and adequately providing for my family 's needs. The emotional toll of dealing with this identity theft has been immense, particularly as I watch these fraudulent items continue to damage my financial standing despite having no connection to or responsibility for them.

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 2025-01-01 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-01 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: FL

Complaint narrative:
I HAVE SENT NOTICE TO YOU ABOUT THESE COMPANIES REPORTING THESE FALSE REPORT WITHOUT VALIDITY OF DEBT OWED TO THEM WITH MY SIGNATURE TO PAY YOU NOT REPSONDED TO MY REQUEST

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information that remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the removal of a credit card account on my credit report. This account is inaccurate, and I initiated a dispute over 30 days ago, providing all necessary evidence to support my claim.

Under 15 U.S. Code 1681i, credit bureaus are required to conduct a timely reinvestigation of disputed items within 30 days of receiving the dispute. If the investigation can not verify the accuracy of the information, the FCRA mandates that the information must be corrected or deleted.

To date, I have not received confirmation of resolution nor any evidence to verify the accuracy of this account. I kindly request the immediate removal of the disputed item from my credit report and a written confirmation of the correction.

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 2025-01-01 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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 2025-01-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I disputed this account MACYS/CBNA XXXX 3 months ago with XXXX and it came back verified, so i followed it up with a method of verification request on XX/XX/year>XXXX  and got no response. 
I also wrote Macy 's through CFPB on XX/XX/year> and the responded on XX/XX/year>XXXX  promising an investigation and a response. It has been 5 week since they promised an investigation, yet no response. My XXXX has been grossly violated and this account should be deleted from my 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 non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received an American Express gift card for XXXX ( XX/XX/XXXX ). I made sure it was activated and tried to use it multiple times ( for less than the amount AMEX said was available ) on XX/XX/XXXX and XX/XX/XXXX. Each time it was declined but American Express still charged {$.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-01 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: IN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account - XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX XXXX XXXX ( # XXXX XXXX XXXX I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both incorrect and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-01 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: IN

Complaint narrative:
XXXX XXXX XXXX  Subject : Request for Reinvestigation and Removal of Charge-Off Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account name/number ( *please reference the above list ). I have received a XXXX form for this account indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both incorrect and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: NC

Complaint narrative:
I have submitted a second written request to XXXX, disputing the following unverified accounts on my credit report : XXXX XXXX : Account # XXXXXXXX XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX  : Account # XXXX In my initial dispute, XXXX indicated these items were verified as accurate. However, I have not received any original documentation bearing my signature, as required under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Per Section 611 ( 5 ) ( A ), information that can not be verified must be promptly deleted.

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Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
it started like a year ago, I called about it and they were like its always been like this. Which It hasnt. I remember so clearly. I love XXXX but XXXX XXXX XXXX military and so many times my account shows that i have the funds, i purchase something, its pending for days to weeks, to take payments out & then my account goes in the negative and overdraft over thousands of dollars. I dont have documents for the whole previous year, but I do have the most recent from this current week i will attach below thank you so much for considering my issue. Have a blessed day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief