vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I have one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that i had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt 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 2025-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I have an American Express gift card for {$100.00} that I cant use anywhere. It gets declined online and rejected in stores. Ive had it for XXXX years and still cant figure out how/where to use it. Attempts to reach out to AmEx were unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There is a law suit regarding XXXX transfer money apt . There was no security warning when transferring money to wrong person and I was not able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I tried to contact the company nothing was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The Mortgage Loan that I had with Wells Fargo Home Mortgage has already been paid in full. 
Wells Fargo Home Mortgage has failed to meet their fiduciary obligations Due too poor communication and breach of contract and dishonor of promissory note and security fraud and protection of my information. The law says that it is the policy of CONGRESS that each financial institution, those that extended lines of credit or loans have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers done public personal information.. 
It has come to my last resort and final option to file a lawsuit against Wells Fargo Home Mortgage and sue for compensating damages. 
upon request, no original promissory note was ever provided. 
The consumer reporting agency and the " lender '' have both violated my rights under Title 18 242 Deprivation of rights under Color of Law refusing to cease and desist upon request refusing to comply with my request to revoke power of attorney from Wells Fargo Home Mortgage and appoint a personal attorney.

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 2025-03-08 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:
SEE ATTACHED LAW BELOW This company ( XXXX XXXX XXXX XXXX ) Is violating laws and reporting false and unauthorized information without my consent.

Breaking law 15 USC 6802b

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 2025-03-08 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:
SEE ATTACHED LAW BELOW This company ( XXXX XXXX XXXX XXXX ) Is violating laws and reporting false and unauthorized information without my consent.

Breaking law 15 USC 6802b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

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 2025-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Close account no knowledge cronies accounts all 2 banks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX over draft fees spot mee fees value customer fraud value customer chime wouldnt help me final months n months they open account but didnt still give money so barley use it over XXXX inlost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I was advised by XXXX and Equifax representatives to fill out this report because of unauthorized inquiries on my credit report, please remove all these fraudulent unauthorized inquiries on my report. The copy of all the inquiries are as follows : 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 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 Please Remove all the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/year> Portfolio Recovery Associates , LLC Account # XXXX I am exercising my right to dispute inaccurate Information as provided under the Fair Credit Reporting Act ( ACRA ), 15 U.S.C. {$1600.00}. Provide complete documentation that verifies this debt, including : Signature. DELETE THIS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into 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 2025-03-08 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: CA

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an Account with Truist Bank ( under XXXX XXXX XXXX, XXXX ), for several years. 
Last month they started charging {$5.00} fee. Called Truist Bank today and was told the fee is for access to " check images '' ; it is a new fee they say ; I never asked for this service ; they were providing it for free previously and I have to " decline it, not to be charged ''. 

Question : why is the Default, to charge me a Fee, for a service, I never requested and I have to " Decline it '' ; I feel this is a racket, to raise their Bank Revenues at the expense of customers, who don't pay attention, to their statements.

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 2025-03-08 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I have about {$100000.00} in XXXX XXXX XXXX with Citizens they were discharged in their entirety through default judgement when the US bankruptcy court, they are now saying I still owe the money and the credit bureaus are not helping me correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: AL

Complaint narrative:
TransUnion Credit Reporting Account Information XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Responsibility Authorized Account I am not the primary account holder, nor am I legally responsible for the payments or any outstanding balance on this account.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Solar Mosaic LLC
State: MI

Complaint narrative:
In late XXXX, right before XXXX XXXX, I met with a XXXX XXXX XXXX panel company representative about installing Solar panels on my roof. This company works with Solar Mosaic, a financing company out of California. After reviewing rebates I decided not to do the project. I cancelled within a couple days with XXXX XXXX, which they said, wasn't a problem and was done within the window of cancelation time. I had to email the Mosaic Company because they were closed on the day the project was canceled. Nothing started or was scheduled so I thought everything was taken care of. 
In early XXXX, I received a letter from the Michigan Department XXXX State - Uniform commercial Code, with a Filing Number & Work Order Number, about a Lien notice. I called Mosaic and talked to a representative on the phone on XX/XX/2024. The representative said they did not get the email so I forwarded it along with the return case number. He said he understood and would take care of it. At the end of XXXX, I received another email from Mosaic stating they needed confirmation from XXXX XXXX to confirm the cancellation. I then forwarded that email to the XXXX XXXX representatives, XXXX and XXXX, and requested they confirm the cancellation. 
Today, I received a notice from my credit monitoring services that a new account from Mosaic was added to my credit report. I tried calling Mosaic because they say they are open XXXX but when you call, the message says they are closed, call back XXXX. I again, forwarded the email request to cancel to XXXX XXXX team and the Mosaic service email address and told them I was planning to report this account as a fraud event on my credit and please cancel. 
Another strange thing is the Account number, company address and phone they shared originally are different than information showing on my XXXX credit report. 

Details : Organization name : Solar Mosaic Mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX Phone : XXXX email : XXXX XXXX : XXXX Lenders License # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I didnt consent or have a contract with syncb/Sams XXXX XXXX XXXX. These laws shall be implied. Section 604 15 USC 1681-B, Section 605 B 15 USC 1681 C-2, Section 605 A 15 USC 1681 C-1

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 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime offers what the refer to as " XXXX XXXX XXXX', which is a payday loan that you pay back on your following payday. The XXXX XXXX amount starts around {$40.00} and can increase to {$500.00} overtime. Currently my balance is {$500.00}. The issue is they only give you {$20.00} a day and knowing you will needed instantly the charge an additional {$2.00} for instant access. This is another form of price gauging and taking advantage of consumers needs. On your next payday the balance is paid in full along with all fees for instant access. Why can't we receive the full amount at one time as they do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: AL

Complaint narrative:
TransUnion RE : XXXX XXXX XXXX {$770.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$770.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$770.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< First and foremost, the CFPB prohibits reporting medical debt to a consumer credit report. This account should not be reported to my credit report and should be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. The law requires that, upon receiving a dispute, you must conduct a reasonable investigation into the claim.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash app wrongfully closed my account stated I went against company policy and that wasnt the case. I set my taxes to be sent to this account an now idk how Im going to get my refund its very stressful an upsetting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. i attached my identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. i attached my identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Hard inquiries on my account were not authorized by me and i need these removed immediately. I have spoke to the credit bureau 's who refuse to investiagte and/or remove these inquiries. I am aware of the data breech and this has impacted me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
Is accordance with the Fair Credit Reporting act. The list of inquiries on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U. S. C1681section 602A. I have rights to privacy.

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