vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I donated to XXXX XXXX on XXXX XXXX XXXX in the amount of {$100.00}, They took the XXXX and also charge {$330000.00} that same day. I called my credit card company ( Citi Bank ) and they issued another card and started an investigation The result of that investigation was that they refused to reverse the {$3300.00} charge, I have been going back and forth with this company to no avail. This charge was NOT authorized by me and I should not have to pay it.I am now receiving collection calls regarding this amount. Please help.

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to formally request a detailed review and explanation of my Chase credit card account, specifically regarding my balance transfer and how payments have been allocated over time. 

Key Facts About My Balance Transfer : In XXXX, my balance transfer subject to interest was {$1300.00}, and my purchases subject to interest were {$150.00}. 
Over six months of continuous payments, my balance transfer did not decrease at all. 
By XXXX, instead of decreasing, my balance transfer balance increased as follows : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1400.00} XX/XX/XXXX : {$1500.00} XX/XX/XXXX : {$1600.00} By XX/XX/XXXX, my balance transfer had risen to {$1600.00}. 
I did not transfer any additional balances since opening this card in XXXX or earlier. 
Major Concerns : Despite making continuous payments every month, my balance transfer should have been decreasingnot increasing. 
Chase representatives initially stated that a balance transfer can not increaseyet my statements prove otherwise. 
I have never received a clear explanation for why my payments were not reducing the balance transfer principal. 
Today, in XXXX, my balance transfer is once again at $ XXXX 10 years laterdespite making payments for a decade. I only trasnsferred less than {$3000.00} My Formal Requests : A full breakdown of payment allocation history from when the card was opened to XXXX. 
A detailed explanation of why my balance transfer increased instead of decreasing. 
Clarification on whether hidden fees, misapplied interest, or improper payment allocation has caused this issue. 
A review of Chases payment allocation practices to determine if they have violated fair lending laws. 
I take this matter seriously, and I will escalate it further if necessary. Please provide a written explanation of these concerns within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my Experian credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unfairly impacting my credit profile, and I am demanding immediate action. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to conduct a thorough and legitimate investigation into these disputed items. If any inaccuracy is found, Experian must ensure that the incorrect information is removed or blocked from my credit report. A simple acknowledgment of my dispute is not sufficientI expect a comprehensive breakdown of the investigation process, including what steps were taken, what sources were contacted, and what documentation was reviewed. 

I will not accept vague responses or automated verifications. I demand full transparency and adherence to federal law. If Experian fails to comply with its legal obligations under the FCRA, I will have no choice but to escalate this matter further. I expect a timely and complete 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 explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-02-24 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate eviction records on my credit report. There are four apartment complexes reporting evictions under my name that do not belong to me. These incorrect records are negatively affecting my creditworthiness and need to be removed immediately.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies and information furnishers are required to ensure that the information they report is accurate and verifiable. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate information, and the credit bureaus must investigate and correct any errors.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, including landlords and property managers, to report only accurate data.

If these eviction records can not be verified as belonging to me, they must be removed under the FCRA.

I have contacted the credit bureaus regarding this issue and am requesting the CFPBs assistance in ensuring these wrongful evictions are investigated and deleted from my credit file. I request that each credit bureau ( Experian, XXXX, and XXXX ) provide me with a written confirmation once these inaccuracies are corrected.

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 2025-02-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX card -- XXXX The XXXX to XXXX M.C.statement was all fraud charges. Numerous phone calls and letters were sent to Barclays detailing my identity and fraud claim. No phone calls or letters were received by me from Barclays over the past 5 months - although my new address and phone has been in each communication since XXXX. 
To make matters worse, Barclays has destroyed my credit by reporting to the credit agencies that I have not paid this fraudulent statement regardless of my claim. 

An identical problem is with my wife XXXX XXXX XXXX XXXX XXXX -- XXXX statement XXXX to XXXX with all fraud by the same thieves. Again, several letters and phone calls made with no response from Barclays. 
Barclays customer service is terrible!

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 2025-02-24 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
This company is reporting inaccurate payment history. Prior to my last complaint they were reporting the account open also when it has been closed since XXXX of XXXX. 

I requested that this account be closed in XXXX of XXXX due to some fraud payments on the account. With the request for closing I mailed in a payment directly to the company, That they reported late. when inquiring about the late payment I was told by a rep it doesn't matter when the payment is received ( date ) but it could take up to many days for it to be processed etc. and it was nothing they could do -- this was the first missed payment reported incorrectly There after I was offered a settlement for the account. I am being told that the settlement included the disclosure that the account could continue to be reported inaccurately etc. Firstly, I don't recall that XXXX all and have not been provided with any proof of this. Secondly, that is against the law. all info must be reporting accurately. I have made onetime payments to this company as agreed in the settlement and they continue to report negatively. 


I do not agree with this. And will continue to request that things be updated properly or deleted from my report. there is no way payment is 60 days pass due when I have made onetime payments the pass 60 days.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The account were closed due to fraud & is damaging my credit want removal of the credit account with 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
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate.

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable.

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of 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 2025-02-24 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process. 

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a contractor to the Federal Government, My Husband, XXXX XXXX is a Mortgage Banker and we use a credit monitoring app to insure there are no issues as we are required to report any issues. There has been no change just increase XXXX XXXX until XX/XX/XXXX when Wells Fargo reported our credit card Closed as of XX/XX/XXXX, which was news to us. All mail received is scanned and I went back to XX/XX/XXXX and there was no letter received from Wells Fargo. This reporting cause nearly a XXXX pt drop to XXXX and XXXX pt drop to myself. 

The delay to report from XX/XX/XXXX to XX/XX/XXXX is of concern, as had it been reported as Mandated I could have addressed this when the closure actually occurred since notice was never received as they claimed they sent out, however ; it was not received. 

I have attached XXXX and my credit report where it shows date of reporting and decrease in credit.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX is a XXXX XXXX and we use a credit monitoring app to insure there are no issues as we are required to report any issues. There has been no change just increase credit score until XX/XX/XXXX when Wells Fargo reported our credit card Closed as of XX/XX/XXXX, which was news to us. All mail received is scanned and I went back to XX/XX/XXXX and there was no letter received from Wells Fargo. This reporting cause nearly a XXXX pt drop to XXXX and XXXX pt drop to myself. 

The delay to report from XX/XX/XXXX to XX/XX/XXXX is of concern, as had it been reported as Mandated I could have addressed this when the closure actually occurred since notice was never received as they claimed they sent out, however ; it was not received. 

I have attached XXXX and my credit report where it shows date of reporting and decrease in credit.

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 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Morgan & Associates, P.C.
State: TX

Complaint narrative:
As of XXXX the debt was owe is {$2100.00} action are they trying to collect a debt that I owe with XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation