vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I tried to deposit my money amount of {$10000.00} which my mom gave me as a lawyer fee. And I depoted it by using a ATM machine because all Chase bank was closed due to the holiday hours. 
My mom and myself counted the money amount twice and we were sure it was exact {$10000.00} but the ATM deposited only {$7600.00}. So, I called the Chase bank and requested to resolved problem, and they gave me a temporary {$2400.00}. 
However, today, XX/XX/XXXX, they withdrew {$1900.00} from my account without any additional description, only short note left saying due to ATM error. 
I sincerely hope you can investigate the problem and resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
Equifax put a hard inquiry on my credit report. It was a ID theft attempt to get credit with XXXX XXXX on XX/XX/year>. Equifax refuse to remove the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The account XXXX XXXX XXXX XXXXXXXX XXXX '' has been inaccurately reported by Experian with late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reports are incorrect, as this account has been consistently paid on time and should reflect a " paid as agreed '' status. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to maintain accurate and fair information under 15 USC 1681. Experian is required to conduct reasonable investigations to ensure the accuracy of consumer reports ; however, these inaccuracies persist. Additionally, 15 USC 1666B establishes protections against adverse reporting of payments in cases of errors or disputes, further highlighting Experian 's failure to comply with federal law. These reporting errors have severely damaged my credit profile, hindering my ability to secure a business loan and housing for my family. The continued reporting of these late payments has caused undue financial and emotional distress. I request immediate action to correct this account by removing the inaccurate late payment history and updating the account status to reflect " PAID AS AGREED. '' If this issue is not resolved promptly, I may be forced to escalate the matter through legal remedies.

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 2025-01-22 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: SC

Complaint narrative:
Im writing you in reference to the Credit reporting agencies have improperly used my credit report and is reporting accounts on my consumer credit report that I have asked them to remove. I know that you have sued XXXX for the very same thing that they are currently violating on my credit report. This has caused so much damage to my credit report and needless to say their infraction is causing me and my children to be homeless. These companies are violating my rights according to 15 USC 1681i ( a ), 15 USC 1681i ( a ) 6 ( B ) 3 and 15 USC 1681i ( a ) ( 5 ) B. Please help. 

Account Name : 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

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 2025-01-22 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: SC

Complaint narrative:
Im writing you in reference to the Credit reporting agencies have improperly used my credit report and is reporting accounts on my consumer credit report that I have asked them to remove. I know that you have sued XXXX for the very same thing that they are currently violating on my credit report. This has caused so much damage to my credit report and needless to say their infraction is causing me and my children to be homeless. These companies are violating my rights according to 15 USC 1681i ( a ), 15 USC 1681i ( a ) 6 ( B ) 3 and 15 USC 1681i ( a ) ( 5 ) B. Please help. 

Account NamXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. I discovered this issue on [ XX/XX/XXXX ] when I was notified of [ unauthorized activity, e.g., new accounts, credit inquiries, ] through [ source of notification, such as a credit report, ] Date of discovery : [ XX/XX/XXXX ] What was stolen : Specify the information stolen, such as your Social Security Accounts opened : on [ XX/XX/XXXX ]. 

Name of the financial institution or company that opened the account. 
synchrony bank credit card. 

Type of account ( credit card ).

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Portfolio Recovery Associates LLC I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that you stop contacting me regarding this matter. 

Please be advised that : I dispute the validity of this alleged debt. 
I am exercising my rights to request no further communication from your agency regarding this matter. 
Effective immediately, you must stop all forms of communication, including but not limited to phone calls, letters, emails, or any other contact with me, my family, or my employer. Any further contact by your agency, outside of the permissible exceptions outlined in the FDCPA, will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office. 

If you believe this request does not apply to your actions, I ask that you provide proof of your authority to collect this debt and validation of the alleged debt itself, as required by 15 U.S.C. 1692g.

Please confirm in writing that you have received this letter and that you will comply with my request. Any failure to abide by this request or any further attempts to contact me, except for the specific purpose of confirming this letter or advising me of legal action, may result in legal action against your agency. 




Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
Our loan is approximately XXXX years old now, and I have missed only XXXX payment, which I contacted the loss mitigation dept, made a deal and fulfilled the deal. How- ever, the XXXX not knowing what the right or left hands are doing, held my payment in suspense until they decided to post them. Thus showing on my credit report that I was late more than once. I was informed by the loss mitigation dept that by completing the agreed upon terms that there would be NO impact on my credit. 
Wrong! Then sometime in XXXX XXXX it was decided to do an audit of my account, where lo and behold, I am found to be in arrears on my escrow to the tune of $ XXXX. Now XXXX XXXX wants an extra {$450.00} per month, to bring my account up to date by next XXXX. All this because someone using an algo rhythm (? ), to determine what my increase should have been. 
I will submit my insurance carriers name and the agents phone number to prove that in fact, XXXX my insurance dropped, and then again this year dropped by over {$600.00} per year, plus it will drop again in XXXX. I can also provide the number to the local court house, treasurers office to prove that my property tax dropped last year. 
I have also recently been made aware that XXXX XXXX has had it seems several class action lawsuits for this same behavior since XXXX, perhaps longer. 
I filed this same claim in XX/XX/XXXX, and the only response I've seen is that they responded. It seems to me that they can talk a good talk, and even try to convince me over the phone that they are right, but I have bank statements showing all payments made and check cashed dates from XXXXXXXX XXXX If I think of something else, I will amend this form. I almost forgot, I now have a letter stating that my account is in serious default. They want {$500.00}, plus a new payment of {$1800.00} per month. Our current payment is {$1400.00}, and we have other bills we're attempting to pay down as well, the other bills are our own fault, but neglecting them would be more than detrimental than just getting the problem fixed. We are living check to check with very little wiggle room, and definitely not {$430.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I see that i have a Florida power light bill on my report that was sent to collections for the amount of {$280.00}. I've disputed this bill numerous times because i moved out of that address months prior to that bill cycle. I even requested in my dispute to please be provided with the name and number of the collections agency so i can dispute it with them but none of that information has been provided to me. That is the only collections bill on my credit report and it is a mistake that no one is helping me with.

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 2025-01-22 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: CA

Complaint narrative:
SEE ATTACHMENTS Equifax is in violation of FCRA 15 USC 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXXXXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX  XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On Friday XX/XX/XXXX a check for a company called XXXX I applied for an application was sent to me. I had some doubt about the validity of the check and decided to call Huntington Bank which is who I bank with. I called the fraud number that is provided through my banking app and started off the call telling the representative I want to report a fraud check. I then told him the situation and why it is a fraudulent check. The representative then told me to hang on the line to explain why he does some research. After a few minutes he came back and told me that the check was not a fraud, and everything checks out on it. I Then asked if the check would bounce or not go through, but he replied and said I am positively sure this is a real check from this company, and it will not have any issues. So, since I had gotten confirmation from the bank, I decided to send the money to the company I received the check from. I decided to only send {$1500.00} until I received more formal writing from the company. After I did not hear back from the company, I decided I would call the bank the following Monday XX/XX/XXXX, but it was XXXX XXXX XXXX XXXX, and they were not open. The next day, XX/XX/XXXX was a busy schedule day for me, so I was going to make the call XXXX  XX/XX/XXXX instead. But evening on XXXX  I received a message from the bank telling me my account has been overdrawn by {$1300.00}. I then found out they have a XXXX hour phone line and decided to give them a call to explain my situation. While talking to the representative I again mentioned I want to start a fraud case for this he told me this might not even be fraud, and I should call another sector of the bank tomorrow when they open up. I then proceeded to the bank this afternoon to further explain my situation and also try to contact someone who can start a fraud case. After doing a walk-in to the branch I was told to call the customer care center to resolve the issue. After calling customer care they then directed me to pay the amount that was withdrawn from my bank account. I again asked the representative how I can talk to someone in the fraud department. The rep said to me the fraud department does not speak with customers. I have taken multiple steps in contacting the Huntington bank to determine if the check I had received was fraudulent and I have tried multiple steps to ensure this would not come back on me or my account as a negative and was told it was good from the Huntington bank. Now that they say it is my fault, and I should not have sent the money, I would like to file this complaint on my behalf. I am also mentioning this police report as a reference. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have not been able to access my Citibank checking/savings accounts for days. In any capacity ; online, at atms, for transactions, etc... 

I called and was told my accounts were frozen and under investigation. When I asked why that would possibly be I was told it was because I had deposited a check. That's all. A simple check for work I had done on a film for {$2100.00}. Apparently there are a lot of fake fraud alerts for Citibank at the moment based on the amount of people complaining online. 

I can not access ANY of my money because I dared to deposit a paycheck. To a bank. 

This is insane and outrageous and at no point was I contacted by Citibank.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I applied for a credit card through Golden 1 Credit Union with a credit score of XXXX and no derogatory information on my report. I was told that I was denied because the number of inquiries reporting within the month of XXXX was excessive. I explained that I'd just financed a vehicle and that the dealership ran my credit multiple times without my consent, totalling 10 unauthorized inquiries. I also explained that a representative from XXXX stated that it was illegal for financial institutions to enforce policies that penalize consumers for having multiple hard auto or mortgage inquiries within a 30 day period, as the sum of those inquiries only counts as one ( 1 ) inquiry. Golden 1 responded by saying that there calculation method simply doesn't account for that, and that due to the number of hard inquiries on my report there was nothing they could do in terms of making an exception regarding the credit card approval. They suggested that I dispute the unauthorized inquiries ( which I have ) and apply again in 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. I discovered this issue on [ XX/XX/XXXX ] when I was notified of [ unauthorized activity, e.g., new accounts, credit inquiries, ] through source of notification, such as a credit report. 
I did not authorize the opening of these accounts, and I am concerned about the impact this may have on my credit and personal finances. 

XXXX XXXX : XXXX 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