vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: NV

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

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 each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: TX

Complaint narrative:
In 2022, I was informed that once my account was paid in full, the negative marks on my credit report would be deleted. However, despite fulfilling my payment obligations and submitting the necessary documentation to confirm this, the account is still being reported negatively. Additionally, XXXX XXXX  has been dishonest about the dates associated with my account, further complicating the 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 explanation
Consumer complaint received 2025-02-12 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:
I am completely fed up with the inaccuracies on my report. My score has taken a hit because of these mistakes, and I am losing out on opportunities Ive worked hard to earn. It is beyond frustrating to have to keep fighting for something as basic as a correct 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 2025-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Formal Dispute Regarding Inaccurate Hard Inquiry Under FCRA Dear Experian, I am writing to formally dispute an inaccurate hard inquiry that appeared on my credit report on XX/XX/year>. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information on my credit report is accurate and authorized. Upon reviewing my credit report, I have identified the following unauthorized or erroneous inquiry : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/year> This inquiry was neither authorized by me nor related to any legitimate credit transaction or application initiated by me. Under FCRA 604 ( 15 U.S.C. 1681b ), a hard inquiry is permissible only if I provide explicit authorization or in connection with a credit transaction for which I initiated the process. As no such authorization or transaction occurred, this inquiry is in violation of the FCRA.

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 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
When the pandemic happened I asked genuinely for some kind of assistance and asked for deferred payments because I was sick from covid and unable to make my payments or even asked for a smaller temporary payment arrangement. Credit Acceptance was very rude to me and was determined to make it clear that the were unwillingly unable to help me and demanded I go borrow money from somebody to pay my car payments that I was behind on. I felt uncomfortable working with them, I felt like I had no choice and when I got back on my feet I made my payments until I came across an accident lawsuit and purchased a new car from a local buy here pay here dealership. Because I had this new car I called Credit Acceptance for 4 months to come pick up the car because I no longer needed it since I had my new car and it was just taking up space in my grandmothers back yard. They never sent someone to come pick up the car, when they finally came and picked up the car they reported on my credit report that it was an involuntary repossession. I know there are recordings of me calling them telling them to come pick up the car because I no longer needed it and they could stop harassing me to make payments I willingly surrendered the car to them. They also deleted my on-time payments and marked them as unknown/no data. They are shown and seen off of my XXXX and my transunion reports on XXXX XXXX. There is also several inaccuracies such as my balance due, my payment history, the remarks, last updated dates are very inaccurate.

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 2025-02-12 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: U.S. BANCORP
State: MI

Complaint narrative:
The enclosed retailer ( s ) have issued hundreds in refunds that U.S. Bank refuses to issue. U.S. Bank keeps claiming they removed my dashboard access due to my account being closed. This is not true, it remained accessible for months as all other banking dashboards do when accounts close. It was removed in direct response to me being able to use it to prove refunds that retailers continually claimed were issued and U.S. Bank refused to dispute were in fact not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
I have been experiencing issues with my Flexible Spending Account ( FSA ) managed by XXXX. Despite multiple requests, I have not received my FSA card, which has prevented me from accessing my funds for the past six months. Here are the details : Initial Request : I first requested my FSA card on XX/XX/XXXX Follow-Up Requests : I followed up with Optum customer service on email and calls each month until XX/XX/XXXX. 

XXXX XXXX : Each time, I was told to wait for the card to arrive, but it never did. 

Impact : Due to the delay, I have been unable to use my FSA funds for eligible expenses, causing significant inconvenience and financial strain. 

Actions Taken by Me : Contacted XXXX customer service multiple times. Contacted employer to communicate directly with them. 
Confirmed address and info they have on file. 
Requested card activation assistance. 
Asked to escalate the issue. 

Actions Taken by the Company : Advised me to wait for the card. And kept saying sorry on phone, No resolution provided despite repeated requests. 
I believe this delay and lack of resolution may violate the terms of service for my FSA account. I am seeking assistance to resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

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 2025-02-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT UNDER FCRA 605B ALL FRAUD MUST BE REMOVED, ALL FRAUDULENT ACCOUNTS CREATED UNDER MY NAME WITHOUT MY CONSENT ARE, 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 XXXXXXXX XXXX ALL FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: RI

Complaint narrative:
I have a secured credit card with First Progress. That card was canceled in XXXX of XXXX. They were supposed to refund me the amount I initially deposited of {$220.00}. I have not received back the funds although I have made several request as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Consumer Rights I am writing to formally dispute the inaccurate information reported on my credit file concerning accounts that have been charged off and subsequently paid through a third-party company. Despite the settlement of these debts, they continue to be reported in a manner that suggests I am still responsible, which is both misleading and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Reporting of Paid Charge-Off Accounts According to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 2 ), 15 U.S. CODE 1681 ( S ) 2, 15 U.S. code 1666, 15 U.S. 1666 ( b ), 15 U.S. code 1692 ( g ), 15 U.S. code1681 ( c ) 2, and 15 U.S.CODE 1681, furnishers of information to credit reporting agencies are obligated to update and correct information that is incomplete or inaccurate. The continued reporting of these accounts as unpaid charge-offs, despite their settlement, constitutes a failure to meet this obligation. This misrepresentation adversely affects my creditworthiness and is a direct violation of federal law. 
XXXX XXXX XXXX XXXX Charged Off XXXX XXXX  XXXX Charged Off XXXX XXXX - Charged Off XXXX XXXX XXXX Charge Off XXXX - Charge Off 2 . Improper Reporting of Late Payments Federal law mandates that a late payment can not be reported to the major credit bureaus until it is at least 30 days past due. Reporting a payment as late before this period violates the FCRA. Additionally, the FCRA requires that information furnished to credit reporting agencies be accurate and complete. Reporting a payment as late when it is not meets the definition of inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Issue Form 1099-C and Continued Collection Efforts The Internal Revenue Service ( IRS ) requires creditors to file Form 1099-C when a debt of {$600.00} or more is canceled. The failure to issue this form, coupled with continued collection efforts or reporting the debt as active, may constitute a violation of IRS regulations and the FCRA. This practice can be deemed deceptive and unfair, infringing upon my rights as a consumer. 

Legal Precedents In XXXX XXXX, XXXX, the bank was ordered to pay nearly {$28.00} XXXX by the U.S. Consumer Financial Protection Bureau ( CFPB ) for misreporting consumer credit data, including inaccuracies related to delinquencies and account statuses. This case underscores the legal imperative for accurate credit reporting and the consequences of failing to adhere to FCRA requirements. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2500.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax

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 2025-02-12 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2500.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My notifications arent timed correctly and when I call to check balance it says one amount, delay occurs and it causes returned payments today and notifications frequently have som type of inaccuracy in timing. I Im still being targeted via data breechers and identity theft persons in some way. Ive not had this problem before the frequency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Well, I was looking for transactions that were supposed to be on my XXXX XXXX called and then, when I call XXXX XXXX, they never get back to me. They always sent me to a machine talks. But they never call me back or try to help me to resolve my problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Description of What Happened : Between XXXX XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, XX/XX/year> - {$99.00}, and XX/XX/year> - $ XXXX XXXX XX/XX/year>, multiple transactions totaling {$3500.00} were processed through my XXXX XXXX account and transferred to a merchant named " XXXX. '' These transactions were made without my authorization or consent. I did not approve or initiate these transfers, and I had no knowledge of them until I noticed the funds missing from my account. 

After the transactions, the person who performed the unauthorized transfers contacted XXXX to resolve the matter. XXXX refused to unblock the account where the funds were sent and instead directed them to contact the bank to recover the funds. XXXX has not provided any explanation for withholding the funds or their refusal to unblock the account. They continue to hold {$800.00} in the account and have not accounted for the rest of the {$3500.00}. 

I contacted Wells Fargo on XX/XX/year> to dispute these transactions as unauthorized. I provided evidence, including : Transaction details and dates. 
Correspondence showing that XXXX refused to unblock the account and directed recovery efforts to the bank. 
Proof that the funds remain inaccessible and that the account remains blocked. 
Wells Fargo denied my claim, stating that the transactions were authorized because they were processed through XXXX XXXX. While the transactions were processed through XXXX XXXX, I did not approve or consent to them. They were made by someone else who accessed my account without my authorization. 

I am requesting a review of this matter, as these transactions were unauthorized, and the merchant has unlawfully withheld my funds. Wells Fargo has not conducted a thorough investigation of this claim, and the denial has caused significant financial hardship.

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 2025-02-12 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: FL

Complaint narrative:
I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and Equifax data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX. ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. ) XXXX Account # XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required four-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-12 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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