vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
XX/XX/year>2025 I received a text message @ XXXX FROM XXXX about an account I had with XXXX. I looked in my spam email and found an email from XXXX that I owe {$2400.00} of debt. I did see on the side of the email I could dispute if I did not feel the information was correct. I sent out an email to the email provided from XXXX XXXX @ XXXX that I would like to dispute the amount owe to XXXX XXXX they filed for 11 Bankruptcy, and I never received my aligners or service I was going to pay for, and I would get a lawyer and contact the CFPB and FTC . I ended up calling XXXX @ XXXX. I spoke with a man who worked for XXXX and he told me to contact XXXX XXXX XXXX and speak with them. I told XXXX I was going to fight this. I spoke on the phone with a representee @ XXXX and was told they were aware of the Bankruptcy with XXXX but that I needed to contact XX/XX/XXXX since it was sent over to them. I called XXXX back and spoke with another man @ XXXX. I explained the situation and I was willing to work something out. I did inform him about my financial hardship I am experiencing, and he offered a 25 % decreased from the original XXXX. I said I could pay XXXX {$100.00} each month to pay off this debt, but the man informed me that wouldn't work because I would already have been reported to a credit agency. I ended up calling back XX/XX/XXXX @ XXXX and spoke with the same person I called @ XXXX and asked him if there was anything I could have in writing and that I was willing to work something out with them to pay this off, so I don't get reported. He informed me that he can't do that, and he can't give me a specific date I have to pay this debt off. Halfway through this phone call he stated that the " call was being monitored and recorded for quality purposes. '' I recieved an email from XXXX @ XXXXXX/XX/XXXXXX/XX/scrub>, 2025 " Please forward your attorney 's information. The financial contract was binding ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
Hospital did not take my insurance at the time of service. I tried to give the insurance to them since but to no help at all. Ive spoke to many supervisors and made many calls to them. They said they would apply my insurance card, confirmed it was an error on their part and all but they never correct the matter. Calls result in me having someone to say the debt was corrected for XXXX XXXX but it is not removed from all 3 Credit agencies. This is negatively having effects on me when I have tried to speak to them, hours on the phone and they say, The error was corrected but the collection company did nothing to stop posting the false charge, that my insurance took and is not removed in spite of what so many of them say. 1 of 2 separate accounts or charges they have from me that is not fixed. I will file the next report next. I dont know if it is the hospital thats not doing their part and updating or the collection agency whos illegally still trying to collect on a debt the hospital already moved from their collection company. Either way. It needs to be fixed and removed from all 3 of my credit reports as Ive tried, severally to rectify the matter with XXXX XXXX, up to submitting my insurance information to a supervisor, more than 3 times.

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-13 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am submitting this formal complaint regarding an ongoing issue with Capital One involving an unjust restriction placed on my credit card account. The restriction was imposed on XX/XX/XXXX, following a recent payment I made from my brokerage account at XXXX XXXX. This payment was processed through XXXXXX/XX/XXXX, which serves as the clearing firm for XXXX XXXX. Despite my efforts to clarify the situation, Capital One has refused to lift the restriction until I provide a bank statement from XXXX XX/XX/XXXX. However, as XXXXXX/XX/XXXX is merely the clearing institution, I do not hold a personal account with them and can not obtain such a statement. 

I have offered Capital One alternative documentation, including my XXXX XXXX brokerage account statement and payment confirmation details, which clearly demonstrate the legitimacy of the payment. I have submitted these documents on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I contacted representatives at XXXX XXXX, who provided a letter explaining the situation. I also submitted a voided check and multiple XXXX XXXX bank statements. Despite these efforts, Capital One 's representatives, including their supervisory staff, have repeatedly insisted on a document that does not exist and refused to escalate my case to someone with an understanding of brokerage-clearing firm relationships. 

Each time I submit the requested documentation, I receive a call from Capital One stating that I still need to provide a XXXXXX/XX/XXXXstatement. I have explained repeatedly that XXXXXX/XX/XXXXis the clearing firm and that I do not have a personal account with them. Capital One representatives have refused to contact XXXX XXXX directly to verify the legitimacy of my account and the payment. They insist that my account will remain restricted until I submit a XXXXXX/XX/XXXXstatement, which is not possible. 

This situation has caused significant inconvenience and stress, as my credit card remains unusable despite my good-faith efforts to resolve the issue. I believe Capital One 's refusal to acknowledge valid financial documentation constitutes an unfair and unreasonable business practice. 

I request the Consumer Financial Protection Bureau to investigate this matter and require Capital One to review their payment verification policies and practices. I also seek assistance in having my credit card account reinstated without requiring documentation that is impossible for me to obtain. 

Thank you for your time and consideration. I have copies of my XXXX XXXX brokerage account statement, payment confirmation details, voided check, and the letter provided by XXXX XXXX if you need that information, they have sensitive information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting on my credit report. The issue with these accounts lies in the inconsistency between the Payment Status and Payment History sections. While these accounts are marked as current under the Payment Status, the Payment History inaccurately reflects a 30-day late payment, which is a clear discrepancy. Due to this incorrect information, my credit score has suffered, affecting my creditworthiness 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against Credit Collection Services for continuing to report a paid collection account that is negatively impacting my credit. I settled this account in full on XX/XX/year>, yet it remains delinquent on my credit report. Despite providing proof of payment, including confirmation from the original creditor or collection agency, Credit Collection Services has failed to remove the negative listing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate credit reporting, and their failure to correct this error is unfairly damaging my credit score. I request that the CFPB take action to ensure Credit Collection Services updates my credit report to remove it if it is no longer valid, in compliance with FCRA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of an online loan scam in which over XXXX checks was electronically deposited into my checking account with JP Morgan Chase bank. My account was comprised and closed due to the fraud. I have submitted a police report from my local police and the FBI to Chase and have been unable to resolve this issue. Theres an outstanding balance and I tried to open an another checking count with Chase, XXXX XXXX, XXXX but have been denied. I recently opened a checking account t with Chase on Tuesday, XX/XX/year>, after being advised that the restrictions were lifted, however, that account was subsequently closed again. I was advised today, XX/XX/year>, the reason for the bank closure was because Chase bank has ended their relationship with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXXXX/XX/XXXX closed my account abruptly falsely accusing me I owe a balance of {$200.00} when the XXXXXX/XX/XXXX mailed me a check on XX/XX/year>2024 in the amount of {$200.00} to my residence which I have never cashed the check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I am filing a formal complaint against experian for failing to conduct a proper investigation into disputes regarding inaccuracies on my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, affirming the accuracy of the disputed account without providing any evidence of a thorough investigation. This practice constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable and good-faith investigation of disputed information. Furthermore, Experian 's actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as recently highlighted in the CFPBs administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action to ensure XXXX complies with federal law and provides consumers with verifiable proof of investigation when responding to disputes.

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 2025-02-13 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: TX

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX - XXXX - {$0.00} XX/XX/XXXX- XXXX - {$0.00} 01 XX/XX/XXXX - XXXX XXXX {$2600.00} 11 XXXX XX/XX/XXXX- XXXX - {$550.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive received a debit card throughXX/XX/XXXX, which says business debit. I have never applied for this

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 2025-02-13 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment records reported on my credit report by the Department of Education servicing company, XXXX. The information is inaccurate, and I respectfully request that Experian/CFPB investigate this matter and remove the erroneous late payments from my credit history. 
The payments in question were automatically processed through ACH processing, with my bank account information verified by XXXX services. The XXXX website portal consistently displayed that each payment was processed and paid in full, confirming that no payments were missed or delayed. Furthermore, my account is currently paid in full, reinforcing that there were no outstanding balances that would have resulted in late payments. 

Additionally, given my positive payment history, I respectfully request that CFPB/Experian consider a goodwill adjustment to remove the late payment records in recognition of my otherwise consistent record of on-time payments. 
I would appreciate a written confirmation once the necessary corrections have been made. Thank you for your time and prompt attention to this matter. Please contact me at your earliest convenience if additional information is required.

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