vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: MA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. This is a notice to inform you that my information has been used during my XXXX  Those attached accounts does not belong to me. For I have been XXXX for 10 years. Please remove those attached accounts 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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove 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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: KY

Complaint narrative:
I received my income tax check and direct deposit from work. I was locked out of my account XX/XX/year> at night around XXXX. I was sent an email requesting my photo ID, address and account info to verify my account. I tried to access my bank app and was locked out by the company. I tried to call and was directed by an automated prompt to refer to my email. I never received a response back so I continued to reach out to Dave banking multiple times requesting information about the account freeze. I was only asked to continue to provide the same information to access my account but never any answers. I received 3 prompts to rate an agent and how they handled my situation which was never addressed. Its been 6 days and still no response or access to my account. I have close to {$5000.00} in my account and cant pay rent or feed my family. I need answers and most of all my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I won a chargeback against XXXXXXXX XXXX XXXX for {$370.00} because they failed to provide the product I paid for ( XXXX XXXX XXXX XXXX  prescription from the exam, contact lenses I originally wanted. ) Despite the chargeback ruling in my favor, XXXX XXXX XXXX billing dept. is still attempting to collect the disputed amount directly by sending me bills to my mailing address repeatedly and ignoring my certified mail responses disputing their claims that I owe {$370.00}. 

I contacted Citi multiple times to ensure they uphold their chargeback decision and protect me from wrongful collection attempts. However, customer service repeatedly transferred me, put me on indefinite hold, and hung up on me. The Executive Office told me this was out of their hands and directed me back to a general dispute department that has done nothing to resolve the issue. 

XXXX XXXX XXXX has threatened collections for a charge that was already reversed. Citi must formally acknowledge in writing that I do not owe anything and that this chargeback stands. Citis failure to enforce their own chargeback ruling is allowing harassment and unfair collection practices against me. I need an immediate resolution.

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo regarding suspicious activity from XXXX. I had noticed repeated transactions that were pending but they always seemed to reverse. I decided to call to see why this was happening. 

The representative discovered there were multiple transactions that went through since XXXX of XXXX. The representative closed my debit card and submitted a claim for 14 transactions ( I later confirmed one of the transactions was mine ). I was sent a new debit card in the mail. 

From that day on, I called at least once a week to both Wells Fargo and XXXX trying to get a resolution and a refund. The amount of the transactions equals around {$3600.00}. Neither place is willing to concede and put the responsibility on the other. I have even went into a local Wells Fargo to try to resolve the issue, per one of their representatives, and was told they could not help. 

XXXX repeatedly searched my account and did not find the transactions and agreed the charges were not done by me and likely someone copied my card onto another account. XXXX was willing to speak with Wells Fargo with me on the line to help resolve the matter. However, Wells Fargo refused. 

The initial claim ( # XXXX ) was denied. Wells Fargo claimed XXXX provided receipts as proof. I proceeded with the next step up providing screenshots of my XXXX account to show the transactions were not on my account. Again the claim was denied. 

I am frustrated and would just like this resolved. This is causing so much stress. I was always expecting banks to be extremely alert of potential fraud. I do not even recall getting Suspicious Transaction alerts. 

The following are the dates and amounts of the transactions from the claim : XX/XX/XXXX {$400.00} ( Recurring ) XX/XX/XXXX {$350.00} ( Recurring ) XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} ( Recurring ) XX/XX/XXXX {$400.00} ( Recurring ) XX/XX/XXXX {$150.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$400.00} ( Recurring ) XX/XX/XXXX {$300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$270.00}

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 2025-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portnoy Schneck, L.L.C.
State: NJ

Complaint narrative:
After receiving a notice that my alleged debt was moved to the debt collector Portnoy Schneck, L.L.C., I was told in writing to contact the debt collector to address it. After calling once, I was told my account number could not be found and that I should call after the end of XXXX 2024. After that, I called again, and my information could not be found again. The agent asked me to email them my ITIN, which I did the day after, but I have received no reply to this date and have been sued by the collector instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: AZ

Complaint narrative:
Disputed items on my credit that shouldve been included in my bankruptcy and they didnt investigate properly or change it. After XXXX still showing 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 explanation
Consumer complaint received 2025-03-04 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: NCB Management Services Inc.
State: AZ

Complaint narrative:
Disputed items on my credit that shouldve been included in my bankruptcy and they didnt investigate properly or change it. After XXXX still showing open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
On XX/XX/XXXX, Bank of America issued a letter to my regarding my credit card account. The letter stated that they were canceling my automatic payment series that I had set up for my credit card. The reason stated was that there was an error in their system that allowed me to set up two or more conflicting payment series, and the system had been withdrawing funds from both series. And that on XXXX, Bank of America was cancelling the payment series I had set up in XX/XX/XXXX. 

I did not have two or more payment series set up. Bank of America 's action effectively canceled the only automatic payment series I had set up to pay this bill. I attempted to reach Bank of America via phone call to inquire as to what exactly happened, and why they mistakenly thought there were two payments set up ( and even if there were, why they thought it a good idea to cancel my payments ). I sat on hold for over 30 minutes, and spoke to a representative who stated their Collections department cancelled my payment, but she didn't know why. 

To remedy the situation, I had to take time out of my day to call Bank of America, sit on hold for over 30 minutes, talk to someone for 10 minutes, to only get zero answers. Then I had to also log in to my account to remedy Bank of America 's error. This is an unacceptable and bad-faith attempt on Bank of America 's part to generate late payment fees.

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 2025-03-04 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXX BALANCED {$7600.00} XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NV

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

XXXX XXXX XXXX XXXX XXXX -- {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1600.00} UNAUTHORIZED INQUIRIES : 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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
sent a letter certify for valiadation of this debt never received anything. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-04 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:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the stress it's causing me. Thank you.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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.

EXPERIAN 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! 


Update 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 explanation
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Transunion, I am formally requesting that you immediately remove all negative items from my credit report due to fraudulent activity, including but not limited to the well-documented XXXX data breach that exposed consumer information. Under the Fair Credit Reporting

Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and fairness of the information contained in consumer reports. Any negative items resulting from fraudulent activity and identity theft must be deleted from my file immediately.

Additionally, pursuant to the Uniform Commercial Code ( UCC ) 1-308, I am
exercising my rights to demand the correction of inaccuracies and unauthorized reporting of accounts. The continued reporting of fraudulent accounts or incorrect information constitutes willful noncompliance with the FCRA, subjecting your agency to legal liability, including statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
Given that my personal information was compromised through the XXXX data breach, I have reason to believe that any negative accounts appearing on my credit report may be the result of unauthorized activity. Therefore, I demand the immediate and permanent removal of all fraudulent, inaccurate, or unverifiable accounts, inquiries, and derogatory remarks. 
If you fail to comply with this demand within 4 days, I will pursue all available legal remedies, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance with the FCRA and UCC. 
Seeking statutory and punitive damages for negligence and harm caused by the continued reporting of fraudulent information. 
This letter serves as a formal Cease and Desist notice for any continued reporting of inaccurate or fraudulent information on my credit file. I expect written confirmation that all negative and fraudulent items have been permanently removed from my report. 
The following is inaccurate addresses and inquiries which are a result of fraudulent activity : Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Failure to act within the 4-day timeframe will result in legal escalation without further notice. 
Sincerely, 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 non-monetary relief