vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.

Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.

Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account. 
If you require any further documentation or clarification, please let me know. 
Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I left XXXX years ago paid all debt and years later I see a collection on my credit report, so I asked for a copy of the bill a copy of original Debt a service file and signed validation to no avail. They haven't given me anything to prove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
A fraudulent transaction was made on my checking account for {$6800.00}. This overdrew my account and also charged my credit card {$2200.00} in overdraft. The fraudulent transaction was reported immediately including the {$2200.00} charge to my credit card. USAA put the charge through anyway, XXXX down all access to funds that should have been in the account.USAA determined that my account number had been incorrectly written on a check and the debited my account. They also likely compromised my privacy by providing the funds and account number to an unknown third party. As far as I can tell right now, USAA stole my money from my checking account, borrowed an additional {$2200.00} on my credit card, and cant figure out it doesnt belong to them.

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 2025-03-17 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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.

EQUIFAX EXPERIAN TRANSUNION 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 non-monetary relief
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2025-03-17 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Branch XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - I tried to deposit {$840.00}, the ATM machine returned {$740.00} XXXX - multiple calls in between, too numerous to list, information provided often incorrect and conflicting ( time I could expect a resolution etc ) XX/XX/XXXX - Claim denied by Wells Fargo XXXX - Called and told there is nothing else WF can do, I request all documents used in decision making process XX/XX/XXXX - I receive " all documents '', document titled " XXXX XXXX XXXX XXXX XXXX XXXX ATM Cash and Check Deposit '' clearly shows " BadBillCount '' of XXXX - XXXX bills totaling {$740.00} and one bill not returned I called after reviewing the documents, took several tries before escalation possible, logged escalation, seems like they can clearly see the issue Whatever my " bad bill '' was should have been returned to me. I'm sure it was a {$100.00} bill. WF 's own documents support my claim. I have no prior history of issues with WF. I have impeccable credit. I also plan to contact my state representative.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I purchased a computer through XXXX using my XXXX account. The seller accepts returns and the computer was not approved for what it was supposed to be able to do. Problems updating and running programs I needed it to run. The XXXX seller sent me a return request invoice that provided me shipping label for the return. The XXXX seller said that I would receive my money back back as soon as the seller received the package containing the computer back. Postal tracking number provided by seller was received on Wednesday the XXXX of XXXX was told by XXXX that I would receive my money back that as of the XXXX if he did not respond that I would have my money back in the next day now they're giving me the runaround trying to drag it out as long as possible I don't understand how this works when the seller already agreed to give me my money back and they're the ones prolonging it now it's not right had XXXX not intervened I would have already had my money back I provided all the documents needed for them to expedite this but they're not trying to even give me my money back I want to report the financial institution it's ridiculous they don't have consumers protection like they claim all they do is install people out on their money so what do we want to do how would you want to get off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of the outcomes of disputes. These deficiencies align with my personal experience, where Experian has neither corrected nor removed the disputed accounts. This inaction constitutes a violation of federal law and infringes upon 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 2025-03-17 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: IL

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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 2025-03-17 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I sent a certified letter to Wakefield & Associates on XX/XX/XXXX, requesting validation of the alleged debt reported on my XXXX credit report. However, I never received a response. According to XXXX, they are not licensed to collect debt in the state of Georgia. According to credit law, a debt collector must be licensed in a state to legally collect debt in that state. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a debt collector is required to provide validation of a debt upon request and must not report inaccurate or unverifiable information. Despite my request, they have neither responded nor removed this debt from my credit report within the 14 business days as I requested.

I have attached a copy of the certified mail receipt as proof of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have had my American Express card for over a year, and I pay my balance monthly. About four weeks ago, I received notifications stating my payment was late and would be reported to the credit bureaus. When I called customer service, they said it was related to a card I opened in XXXX, closed in XXXX, and reported for debt in XXXX. 

I requested to speak with the fraud department, and they informed me that an investigation would take 90 days. Now, when I log into the app, I see two cards listed. One is the old card, which has been reported several times to the credit bureaus with a balance of {$400.00}. No detail about the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NC, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Experian [ XXXX XXXX XXXX XXXX, TX, XXXX ] Subject : Dispute of Closed Account with Misinformation [ XXXX ] Dear Sir/Madam, I am writing to formally dispute inaccurate information regarding my closed credit account listed on my credit report. The account in question is identified by the account number [ XXXX ]. 

According to the information provided in my credit report, this account is reported as closed. However, there is misinformation regarding the [ balance of the closed account Experian has listed the balance of the account is XXXX but the account was closed with a balance of XXXX, Also the date that Experian says the account was closed is also wrong ]. I believe this information is incorrect, and I am requesting an immediate investigation into this matter. 

I would like to highlight that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Specifically, Section 609 of the FCRA mandates that credit bureaus must ensure that the information they report is accurate and complete. If they are unable to verify the information within 30 days of receiving my dispute, they must correct or remove the inaccurate entry.

Additionally, under Section 623 of the FCRA, I would like to remind you that if the information provided by the creditor is incorrect, the credit bureau is required to correct the record and notify all parties who have accessed my credit report of the changes.

Please conduct a thorough investigation into the account and provide me with the results of your findings as required under the FCRA. If the information can not be verified, I request that the entry be corrected or removed from my credit report.

Enclosed are copies of any supporting documentation I have, including relevant account statements and correspondence. If further information is required, please feel free to contact me at the provided address or phone number.

I look forward to your prompt response within the 30-day period. Thank you for your immediate attention to this matter.

Sincerely, [ 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 2025-03-17 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: PA

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Hello, I had made a payment arrangement with worldwide financial and had requested to stop being called as many times as they do. I get one call at least on a daily basis ; this is not including the times they call my family who I have as references in my loan application. 
Last time I spoke with Worldwide financial the manager told me if I wanted to get less calls to make my payments on time ever since then I continue to get harassed with calls daily. I've attached the calls they have made to me in the last week as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I sent in a letter to the bureau Transunion and XXXX on XX/XX/year>. My response back was not enough information to confirm my identification. So submit documents confirming my identification through my cabdriver complaint. Transuions response was they still need two forms of documentation. When in fact I submitted both time a copy of my drivers license, social security card and a bill. But I was given the response that the items I turned in was not good enough. So Im resending them again an affidavit letter.

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 2025-03-17 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation