vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

XXXX XXXX XXXX XXXX has also charged off my balance and is still reporting this as a debt to the bureaus with out my consent. A charge-off is classified as a certificate of indebtedness, which, by definition, converts the obligation into income for the original creditor. Under Generally Accepted Accounting Principles ( GAAP ) and IRS regulations, when a creditor writes off a debt as a loss, they claim a tax deduction, effectively relinquishing their right to collect. Once a debt has been charged off and financially accounted for, it should no longer be reported as an outstanding obligation against me. Additionally, once a third-party debt collector acquires a charged-off debt, it affirms that the original creditor has already written off the account. The sale of such debt further confirms that the creditor has received compensation for it, making any continued reporting improper and deceptive. Reporting a charge-off after the original creditor no longer owns the debt is an inaccurate and unfair practice under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-30 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: Block, Inc.
State: SC

Complaint narrative:
I have signed up for the class action law suit against cash app. I found some unauthorized charges when I was looking through my IRS account. I haven't received an update or any information in regards to a refund for an authorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Synovus Bank
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act, XXXX PROGRESS has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

XXXX XXXX has also charged off my balance and is still reporting this as a debt to the bureaus with out my consent. A charge-off is classified as a certificate of indebtedness, which, by definition, converts the obligation into income for the original creditor. Under Generally Accepted Accounting Principles ( GAAP ) and IRS regulations, when a creditor writes off a debt as a loss, they claim a tax deduction, effectively relinquishing their right to collect. Once a debt has been charged off and financially accounted for, it should no longer be reported as an outstanding obligation against me. Additionally, once a third-party debt collector acquires a charged-off debt, it affirms that the original creditor has already written off the account. The sale of such debt further confirms that the creditor has received compensation for it, making any continued reporting improper and deceptive. Reporting a charge-off after the original creditor no longer owns the debt is an inaccurate and unfair practice under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
On XX/XX/year> I checked my credit report with XXXX, XXXX and TRANSUNION AND NOTICED THAT SELFINC/LEAD IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. FURTHERMORE, XXXX XXXX IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. 

THIS IS A VIOLATION OF 15 U.S. Code 1666b - Timing of payments U.S. Code ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

THIS IS ALSO A VIOLATION OF THE FAIR CREDIT REPORTING ACT. SPECIFICALLY, 15 U.S.C. 1681s-2, which is related to 1681a, outlines the responsibilities of those who furnish information to consumer reporting agencies, including the need to ensure accuracy and not report information with knowledge of errors

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> I checked my credit report with EXPERIAN, XXXX and XXXX AND NOTICED THAT SELFINC/LEAD IS REPORTING 2 LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. FURTHERMORE, XXXX XXXX IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. 

THIS IS A VIOLATION OF 15 U.S. Code 1666b - Timing of payments U.S. Code ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

THIS IS ALSO A VIOLATION OF THE FAIR CREDIT REPORTING ACT. SPECIFICALLY, 15 U.S.C. 1681s-2, which is related to 1681a, outlines the responsibilities of those who furnish information to consumer reporting agencies, including the need to ensure accuracy and not report information with knowledge of errors

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I checked my credit report with XXXX, EQUIFAX and XXXX AND NOTICED THAT SELFINC/LEAD IS REPORTING 2 LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. FURTHERMORE, XXXX XXXX IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. 

THIS IS A VIOLATION OF 15 U.S. Code 1666b - Timing of payments U.S. Code ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

THIS IS ALSO A VIOLATION OF THE FAIR CREDIT REPORTING ACT. SPECIFICALLY, 15 U.S.C. 1681s-2, which is related to 1681a, outlines the responsibilities of those who furnish information to consumer reporting agencies, including the need to ensure accuracy and not report information with knowledge of errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Misleading Guidance from Wells Fargo Representative Cost Me Bonus Eligibility To Whom It May Concern, I am writing to file a formal complaint regarding misleading and ultimately damaging guidance I received from a Wells Fargo employee, which has caused me to become ineligible for a promotional checking account bonus through no fault of my own. 

On XX/XX/year>, I opened a Wells Fargo checking account in order to qualify for a {$300.00} new customer bonus. Shortly afterward, I saw a separate promotion offering {$320.00} for the same requirements. I contacted XXXX XXXX XXXX ( Relationship Banker, XXXX ID : XXXX ) at Wells Fargo to ask if I could close the first account and open a new one under the higher bonus. 

XXXX XXXX advised me over the phone that I would still be eligible for the higher {$320.00} bonus if I closed the initial account and opened a new one. Per his instruction, I closed my first account on XX/XX/year> and opened a new one that same day. I also have a screenshot from Wells Fargo confirming that the new account was eligible for the {$320.00} bonus. 

To meet the offer requirements, I received a qualifying direct deposit of {$4500.00} into the second account on XX/XX/XXXX, XXXX within the promotional period. 

Despite following every requirement outlined by Wells Fargo, and despite receiving direct guidance from XXXX of your employees, I have been informed that I am no longer eligible for the bonus due to having opened a previous accounteven though I was explicitly told this would not be a disqualifier. This has now been escalated twice internally without any resolution, and I have received no clear communication beyond being effectively told that I am out of luck. 

This is misleading and deceptive behavior that borders on bait-and-switch tactics. I acted in good faith, followed the terms, and was advised directly by your own staff to take actions that have now hurt my eligibility. 

I am requesting that Wells Fargo honor the {$320.00} promotional bonus I was told I would receive upon completing the offer requirements, or at the very least offer the {$25.00} difference ( {$300.00} ) if honoring the full amount is not possible. Otherwise, I will be forced to escalate this further via public channels, consumer advocacy platforms, and regulatory bodies. 

Please let me know how this can be resolved.

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 2025-03-30 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-30 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: CO

Complaint narrative:
XXXX XXXX # XXXX I want the collection to be removed from my credit report as I agree with XXXX XXXX XXXX pay to delete. 
I am filling a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours to three days stating that the account is accurate, without providing any evidence of the thorough investigation. This practice violates the fair credit reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experians actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and practices consumers with the necessary proof of investigation.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.I looked at my EQUIFAX credit report on XX/XX/2025 and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
On XX/XX/year> a collection named Credence Resource Management in the amount of {$1100.00} was reported to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
My name is XXXX XXXX and I have an ongoing issue with Chime since XX/XX/XXXX. My tax refund was deposited into the wrong account. The account number that it was deposited into was XXXX on XX/XX/XXXX in the amount of {$8500.00} transferred from XXXX bank but my account number is XXXX. XXXX has provided me with proof of deposit as well as the trace number XXXX. XXXX did an investigation and traced the money to chime being deposited into the inaccurate account with my name. I have the email and if need I can forward it. I also have proof of deposit from XXXX and the IRS via an investigation. Please send my money stat. On this year is how Ive obtained proof that chime has wrongly taken my money. I would prefer not to pursue this legally. Im aware of XXXX  past legal trouble with allowing fraudulent accounts to happen so please send my funds with interest or I will be sending law enforcement to the XXXX, DE office. Just send my funds. ( This is a email I sent to them XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has inaccurately reasserted XXXX account to my credit report. Equifax has not provided any information prior to reasserting reporting of this negative account. Equifax has ignored compliance procedures 15 USC 1681e and as a result the consumer has been damaged. This is a clear violation of the Fair Credit Reporting Act. Equifax has this violation along with damages and equitable relief to the consumer is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect a debt without proper legal validation. I requested verification under FDCPA 1692g, but they failed to provide a signed contract or proof of ownership. Instead, they only sent a billing statement, which is NOT legal validation. 

Despite failing to verify, they continue reporting this unverified debt to credit bureaus, violating FCRA 1681s-2 ( b ). This inaccurate information is damaging my credit. Additionally, they have continued collection attempts without proof, which is a violation of FDCPA 1692e ( misrepresentation of a debt ). 

Requested Resolution : Delete this unverified debt from my credit reports immediately. 

Cease all collection activity since they failed to validate. 

Investigate XXXX XXXX for repeated violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.B.F. COLLECTION CORP.
State: NY

Complaint narrative:
I am reporting a fraudulent debt that does not belong to me. Someone who stole my identity used my personal information while living in a unit I previously occupied. I was not living there at the time the debt was created, and I had no involvement with the account or the charges. 

This individual gained access to my information and used it to open or run up this debt, which has now been placed in collections under my name. I have already disputed this with the credit bureau, and I'm requesting that this be fully investigated and removed from my credit report, as I am not responsible for it.

Company response to consumer: Closed with explanation