vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Charging high interest on an account that they told me that if I didn't pay at the end of 13 months they would only charge interest on the balance not on the total of the account

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 monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Some how my card keep getting u Unauthorized charges from out of town

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 XXXXXXXX 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 2025-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Debt is pass 7 years old. Contacted XXXX and it was remove due to the length of debt. However XXXX and XXXX has not.

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 monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-01-31 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: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
The TD Bank branch is incapable of sending a wire transfer... The transfer has been over a week and still not executed as the staff and management make mistakes, ca ; t fill out firms correctly and worse, take any accountability or reason suability for their lack of knowledge. 

I needed the wire transfer done to pay off a mortgage by a specific date and they failed day after day to execute it accurately. This cost me a lot of XXXX XXXXXXXX and avoidable charges on m mortgage They claim there is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to expolit the system, leaving users vulnerable to scams. This lack of accountability and transperancy is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
On in XX/XX/year>, I sent a Zelle transfer of money that was sent to a friend for a dinner we went to. Her phone number was one digit of so the money was sent to the wrong person and when I asked Zelle to cancel the transaction and send it back they said there was nothing they could do. It had only been a few minutes since the transaction had been sent so I lost the XXXX dollars that I sent to my friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington National Bank has inaccurately reported a collections account that has been previously validated as fraudulent and removed by other reporting agencies. The bank is attempting to collect {$3100.00} for an invalid debt that it has failed to properly verify. Despite providing substantial evidence confirming the fraudulent nature of the account, Huntington National Bank has refused to remove the inaccurate information. 
Repeated attempts to dispute this matter via mail, phone, and the Consumer Financial Protection Bureau ( CFPB ) have been ignored or dismissed. The bank has been presented with official documentation from other credit reporting agencies verifying the removal of the fraudulent account, yet it continues to report this invalid debt. 
This issue is urgent, as it has persisted for over two years and has significantly impacted my credit scoreresulting in a disparity of over XXXX points between my XXXX report and other credit reports. As a result, I have been unable to secure housing and financial opportunities. The specialized staff responsible for reviewing this account should be held accountable for the financial hardship their actions have caused. 
I formally request the immediate removal of this fraudulent account and all associated personal information from my credit file. Failure to rectify this matter constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I expect prompt action to resolve this issue without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
XXXX XXXX XXXX  has inaccurately reported a collections account that has been previously validated as fraudulent and removed by other reporting agencies. The bank is attempting to collect {$3100.00} for an invalid debt that it has failed to properly verify. Despite providing substantial evidence confirming the fraudulent nature of the account, XXXX XXXX XXXX has refused to remove the inaccurate information. 
Repeated attempts to dispute this matter via mail, phone, and the Consumer Financial Protection Bureau ( CFPB ) have been ignored or dismissed. The bank has been presented with official documentation from other credit reporting agencies verifying the removal of the fraudulent account, yet it continues to report this invalid debt. 
This issue is urgent, as it has persisted for over two years and has significantly impacted my credit scoreresulting in a disparity of over 100 points between my XXXX report and other credit reports. As a result, I have been unable to secure housing and financial opportunities. The specialized staff responsible for reviewing this account should be held accountable for the financial hardship their actions have caused. 
I formally request the immediate removal of this fraudulent account and all associated personal information from my credit file. Failure to rectify this matter constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I expect prompt action to resolve this issue without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pittenger Law Group, LLC.
State: MO

Complaint narrative:
Case went to court were a default judgement was placed. Amounts were deducted from my paycheck and misapplied by the lawyer office which is resulting in it showing an outstanding balance. I have attempted multiple times for the lawyers office to fix and showed proof of payment and misapplication and no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

- Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


3. Wrong Date of Birth : XXXX My Date of Birth is : XX/XX/1972 Wrong Employers : - Wrong Employers XXXX : NONE My employers is XXXX XXXX XXXX XXXX. 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-31 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX  OH XXXX Reference number XXXX Record type Bankruptcy XXXX  XXXXdismissed Court XXXX XXXX XXXX  OH XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX & XXXX - Original XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - XXXX creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX - XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXX XXXX  XXXX XXXX - Original creditor : OHIO XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15

U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ BANKRUPTCY CODES.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452-

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 2025-01-31 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company is breaking the low by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}! They must either compensate me or remove these accounts immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
At the beginning of XXXX, I received the 1098 for the mortgage on my single family home from mortgage servicing company, Mr. Cooper. Box 9 incorrectly indicated that there were XXXX properties securing the loan, and I raised this error to the company to resolve. They incorrectly informed me that my single family home was a duplex ( even though their own website lists it as a single family home ) and that they would not correct the form. I requested that it be escalated for research and correction, and today ( XX/XX/XXXX ) was informed that the results of the research was that my single family home was a duplex and that they would not correct the form. 

I am very disappointed that the company is filing false tax documents and refusing to correct their errors.

Company response to consumer: Closed with explanation