vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Improper use of my credit report due to lack of account validation by the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XXXXXX/XX/year>. XXXX XXXX XXXX XX/XX/year>. XXXX XX/XX/year>. XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XXXX XXXX XX/XX/year>. XXXX XXXX XX/XX/year>. XXXX XXXX via XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXX XXXX XXXX XX/XX/year>. XXXX via XXXX XXXX XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from 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 non-monetary relief
Consumer complaint received 2025-03-10 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am asking for the interest that is owed to me for XXXX XXXX and XXXX. I was in an elite money market acct and US BANK decided to reduce my interest rate from 4.25 % down to 1 %. Which I know its a variable rate based on other factors primarily based off the prime. 
Us bank stated the new rates are only for new customers and they can change at any point. The misconception here is when people invest in money markets we all know they are variable rates and will change over time and the anticipation is, if fed drops the prime my XXXX % will drop as well. If the Fed drops the rate XXXX point as it did XXXX my expectations would be my XXXX rate will probably decrease at least XXXX point. US bank decreased my interest rate to 1 % when it was at 4.25 % a day earlier. US BANK is deceiving their customers. When I look online as of today the rate shows 3.25 % but per US BANK those are only for new customers that receive those rates. To me its a bait and switch. Which according to US BANK, THEY COULD CHANGE THE NEXT DAY TO 1 % or what ever they feel like per US bank manager. 
US BANK offered to switch my account to a savings acct to gain a better interest rate but stated they could do the same thing on changing the rate to whatever they want. I told them they were being deceptive in how they do business and told them I was reporting them. Even some of fine print on their website states how to maintain the current rate : How to maintain the rate : Deposit at least {$50000.00} within XXXX  days of account opening and maintain a minimum daily balance of at least {$50000.00} each day thereafter. If the account balance falls below {$50000.00} the standard interest rate will be applied until the account balance is at or above {$50000.00} again. All interest rates and APYs are determined at the banks discretion and are subject to change at any time, including after the account is opened, regardless of account balance. Fees will reduce your eligible balance, and deposits are needed to cover these fees to maintain the daily balance for this rate offer. I never moved any money out of this account and was well above the {$50000.00} minimum balance. Never have I had a bank do this before. When I spoke with them today with no recourse other than opening a new acct I asked to close my acct and went elsewhere. Not only is this whole situation deceptive and a bait and switch. They are only interested and trying to force people to open new accounts which only paid their pockets. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX of the credit cards I had with Capital One were closed, charged off back, and sold in XXXX. As of XXXX of XXXX those accounts began appearing back on all XXXX of my credit reports with the balance due and appearing as though that balance is late every month. 

This is hindering me from being able to refinance my home and purchase a new car. I have tried to dispute these items with Capital One because if you've charged off and sold the accounts I'm not sure if it's legal for you to report the balance as late also, but the Credit Report Agencies all come back with verified and no change. 
These accounts are due to fall off in XXXX. I'm confused what Capital One is doing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Request for Assistance with Fraudulent Activity and Unresolved Dispute with Wells Fargo Dear Consumer Financial Protection Bureau, I am writing to seek assistance regarding an unresolved issue with Wells Fargo Bank concerning fraudulent transactions on our business account. 

On XX/XX/year>, my brother and I opened a business account with Wells Fargo. Unfortunately, we never received our business debit cards. On XX/XX/year>, we were alerted to fraudulent activity on the account. I immediately visited the XXXX XXXX XXXX Wells Fargo branch to file a complaint. During my visit, I was assured by the bank that the amount of {$3100.00} for my portion and {$3100.00} for my brothers portion would not go through and that the funds would be returned to the account. 

However, after multiple phone calls, office visits, and several days of waiting, I was informed by the Fraud Department that they had completed their investigation and concluded that no fraud occurred and no mistake was made on their part. Despite my repeated requests, I have not received any clear documentation from Wells Fargo that explains the decision in full or provides sufficient details on why they declined to return our money. 

This situation remains unresolved, and we are facing significant financial hardship due to the banks refusal to reverse the charges. As this issue appears to be a result of an internal mistake or negligence by Wells Fargo, I am requesting the CFPBs assistance in helping us resolve this matter and recover the funds that were wrongfully taken. 

Thank you for your attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXXXXXX 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What Happened On XX/XX/year>, I was the victim of wire fraud involving a fraudulent rental scam. I was deceived into wiring {$3200.00} from my Chase Bank account to an account at XXXX XXXX  under the false pretense of securing a rental property. The scammer provided fake rental documents, including an approval letter and lease agreement, which I have as evidence. After sending the funds, the scammer asked for additional money to " pay utilities up front since his wife told him he was giving the apartment for under market value '', and it became clear that this was a fraudulent transaction.

Chase 's Mishandling of My Fraud Claim I reported this fraud to Chase Bank immediately and spent XXXX days calling for hours, only to be transferred between at least XXXX different representatives. Each time, I was forced to re-explain my case, and I received conflicting instructions on how to proceed.

Chase did not conduct a proper investigation into the fraud claim.

The claim was denied without written explanation or reasoning.

No wire recall attempt was made, despite the transaction being recent.

The process was intentionally difficult and unhelpful, making it seem as though Chase wanted me to give up.

Why Chase 's Actions Violate Consumer Protection Laws Under Regulation E of the Electronic Fund Transfer Act ( EFTA ), banks are required to investigate fraudulent transfers fairly and in good faith. Instead, Chase denied my claim without investigating and failed to provide the legally required written explanation for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: OH

Complaint narrative:
The following accounts are being disputed : XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX Missed payment report for {$380.00} Equifax has failed to conduct a thorough investigation and has not provided any evidence to support its reporting. This failure violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of consumer disputes. 

Furthermore, Equifaxs actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as evidenced by the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar misconduct. 

I urge the CFPB to take appropriate action to ensure Equifax complies with federal law and provides consumers with documented proof of a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX Account Number : XXXX Balance : {$3000.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my Equifax credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX, I formally request that Equifax block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within XXXX business days upon receipt of proper documentation. 

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-10 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: MA

Complaint narrative:
XXXX XXXX XXXX credit card!! Open XX/XX/year> Monthly payment XXXX $ I did not authorize to be added as a user to this account and I should not be 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 2025-03-10 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:
I filed a dispute XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, Nor correct any information. Im requesting these derogatory remarks be deleted immediately as its affecting my chances of getting ( house, Car, etcExperian violates my rights as a consumer, as well as federal laws.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im upset to find inaccuracies on my report that are negatively impacting my scores and limiting my options. Its unfair and frustrating to be penalized for errors that shouldnt be there.

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 2025-03-10 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: GA

Complaint narrative:
I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX Account XXXX date last active not reporting correctly shows date of XX/XX/XXXX on XXXX also shows last report date of XX/XX/XXXX date opened is XX/XX/XXXX experian date of being opened is XXXX XXXX last date of activity is XX/XX/XXXX. XXXX shows last date of activity XX/XX/XXXX and last payment XX/XX/XXXX transnunion shows no payment history and XXXX and Experian dates are not correct for payment history and collection status I am asking you to reinvestigate this account XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look 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 explanation
Consumer complaint received 2025-03-10 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: AL

Complaint narrative:
On XX/XX/year> I placed an dispute on transunion about my credit report saying that I was not current on my XXXX  XXXX account in which I was. Instead of updating the information they decreased my credit score saying the amount of my account increased in which it did not. I pay the same amount every month on my account, some times i pay a little more. Also Equifax decided to drop my credit score saying that my account balance decreased which are conflicting reasons to drop my credit score which violates the Fair credit reporting act. Also violates Usc 1681q, Usc1681i. Also the Fair and Accurate Credit Transactions Act.

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CO

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 explanation
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Experian, Equifax, and Transunion have not provided my any written consent of instructions to furnish account without written instruction such as inquries and late payments according to FCRA 15 USC 1681 section 604a section 2. they have violated my right to privacy according to FCRA 15 USC 1681 section 602. I demand all late payments be remove and Inquries be removed and a XXXX dollars per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Experian, Equifax, and Transunion have not provided my any written consent of instructions to furnish account without written instruction such as inquries and late payments according to FCRA 15 USC 1681 section 604a section 2. they have violated my right to privacy according to FCRA 15 USC 1681 section 602. I demand all late payments be remove and Inquries be removed and a XXXX dollars per violation.

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 2025-03-10 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: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX XXXX XXXXXXXX due to negative derogatory remarks. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting housing for an apartment. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XX/XX/year>XXXX  {$2700.00} wrote letter of verification directly to the company requesting authorized validity of collection XX/XX/year>XXXX  {$1700.00} wrote letter of verification directly to the company requesting authorized validity of collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian, Equifax, and Transunion have not provided my any written consent of instructions to furnish account without written instruction such as inquries and late payments according to FCRA 15 USC 1681 section 604a section 2. they have violated my right to privacy according to FCRA 15 USC 1681 section 602. I demand all late payments be remove and Inquries be removed and a XXXX dollars per violation.

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