vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
Heartland Credit Card Processing on XXXX statement notified us of pricing adjustments effective XX/XX/year>. No specific amounts were given, statement was mailed XX/XX/year>. 

XXXX statement, mailed XX/XX/year>, notified of XXXX XXXX XXXX of {$490.00} on XXXX statement. Which is the first notice of the specific {$490.00} fee. 

We contacted Heartland on XX/XX/year> for explanation of the fee. We were informed all customers will be charged this fee on XX/XX/year> statement. We objected to the fee and informed them of our intention to terminate our agreement. We were then passed on to their customer retention service. We received an no reply email and have yet to receive a call on this matter. 

We called a second time to customer service and were told if we terminated our agreement now we would still be charged the fee and then have no means of possibly having the fee refunded in XXXX. We should note that our current contract expired a few months ago and we feel this is an unethical business practice aimed at forcing us into a new long term contract. 

Given the two calls without any resolution and the fact that customer retention has never contacted us back, we intend on termination of our agreement with Heartland. We also object to the XXXX XXXX XXXX of {$490.00}. Both of these remedies are outlined in our notice from Heartland. Our position is that Heartland has not given proper notice with enough time to make an informed decision. By the time notice of the fee was given on XX/XX/year>, we were already in the XXXX billing cycle. Heartland representative told us everyone receiving a XXXX statement will be charged the {$490.00} XXXX XXXX XXXX. Unfortunately for us, Heartland has access to our bank account and will remove the fee without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX  XXXX XXXX Balance {$260.00} Date opened XXXX XXXX, XXXX Payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$31000.00} Date opened XX/XX/XXXX Payment history : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX  XXXX XXXX Balance {$260.00} Date opened XXXX XXXX, XXXX Payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$31000.00} Date opened XX/XX/XXXX Payment history : 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

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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
DISCOVER BANK/ DISCOVER FINANCIAL SERVICES/ DISCOVER CREDIT CARD Account Number- XXXX I am formally disputing the reporting practices of Discover Financial Services regarding my credit account and to request a copy of IRS Form 1099-C related to the alleged charge-off or debt cancellation. 

Discover has been reporting a " Charged-Off/Written-Off '' status on my credit report since XX/XX/year>. However, despite this classification, Discover continues to report a balance on my credit report. This raises concerns that Discover may be simultaneously benefiting from tax deductions by claiming the debt as a profit and loss on their end while continuing to hold me liable for the balance.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request accurate and complete information regarding the status of my account. Therefore, I am formally requesting a copy of the 1099-C that Discover allegedly filed with the IRS, indicating that the debt was canceled or written off.

I have contacted Discover several times regarding this matter, and they have informed me that they have not filed such a form. If this is the case, I will report this fraudulent activity to the IRS and the Federal Trade Commission. Additionally, I will pursue legal action against Discover for statutory damages under the FCRA. 

If Discover has, in fact, written off the debt and claimed tax benefits, the continued reporting of a balance on my credit report is both inaccurate and misleading. I kindly request the CFPB to investigate this matter to ensure compliance with all applicable federal laws and to take appropriate action if Discover is found to be engaging in unfair or deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2025 I applied for an Apple Card through Goldman Sachs, XXXX XXXX XXXX XXXX. I applied through a link that offered {$20.00} every month that there was at least 10 transactions for the month through the end of XXXX  This would be {$200.00} for the whole year. On XX/XX/2025 I completed my 10th transaction but did not receive my {$20.00} bonus for the month. On XX/XX/2025 I contacted someone at the Apple Card team at Goldman Sachs. After talking with this person for a while, they weren't sure why I didn't get the bonus so they started a ticket for me. On XX/XX/2025 I was contacted by Goldman Sachs via email with the information that I was ineligible for the promotional offer. Later that day, I contacted somebody else at the Apple Card team at Goldman Sachs who told me that the reason I was ineligible for the offer was that " you did not apply through the correct campaign ID. '' However, I screenshotted the terms and conditions of the offer that I signed up through ( video links attached ) and I am 100 % sure I signed up for the correct offer. I feel that Goldman Sachs is engaging in deceptive advertising if they will not pay out the promotional offer. I have never had an issue like this with other banks such as XXXX, XXXX, or XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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 did not authorize these inquiries for credit. This is fraud XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XX/XX/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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: CT

Complaint narrative:
I have had repeated phone calls. Three or four times a day for over three weeks. They are calling about a debt from a very long time ago that was taken care of a very long time ago. They are harassing me and I do not want to give them any information as I had no communication with them. They are not even the company that I originally settled the debt with. Im not sure if theyre a scam or what

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For 3 years, I received letters from Capital One to freeze my accounts. Despite being completely transparent and always responding, the letters continued. I had to call them and wait on hold for up to 3 hours to speak to a representative or else they would freeze my accounts. After answering their questions about personal things about deposits and withdrawals, they would release my money.. But another letter would always come within a few months.. I received 3 letters already this year, one at the end of XXXX, one at the middle of XXXX, and another a week later on XX/XX/XXXX. It this point I feel harassed and have chosen to close all accounts with Capitol One, I banked with them for well over 20 years. They claimed the letters were completely random, lying to me. I knew they flagged me for depositing too much money too fast when XXXX 's raised on high yield savings accounts, but records were there of the money previously being in the accounts with them.. I pulled it out and put it in safety deposit boxes due to financial fears at the end of covid. I explained this to the bank thoroughly several times, but they continued to harrass me with more letters threatening to freeze my accounts if I didnt call them, wait on hold for hours, and speak to them.. I once had 6 accounts with them, and tomorrow I will be withdrawing the money from and closing down the final checking account with them as soon as a payment clears as their newest threat to freeze my accounts deadline is on XX/XX/XXXX... I refuse to wait on hold for that long again. This has been very stressful. There was a lady that worked for Capital One out of her home that originally started this mess. She called and threatened my mother and accused me of bringing money into the country from XXXX, an absolutely foolish notion. No one brings money out of XXXX, they bring it into XXXX. I owned a home there for 5 years and had a XXXX XXXX XXXX XXXX XXXX XXXXXXXX and sold our home there once my XXXX XXXX XXXX XXXX. The only money that came out of XXXX was the equivalent of about {$34000.00} from our home we sold there that came by bank wire, and I told Capital One that those transactions would be coming as we were in the process of attempting to sell the home in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-03-26 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:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
Subject : Dispute of Civil Liability for Negligence and Non-Compliance under 15 U.S. Code 1681o I am writing to formally dispute the inaccurate and improper handling of my credit information by your company, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. Your failure to comply with the requirements of the FCRA has resulted in negligence, causing harm to my financial standing and personal reputation. 

Upon reviewing my credit report, I have identified errors that your company has failed to correct, despite my previous attempts to resolve this matter. These errors include but are not limited to : 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 As mandated by federal law, you are required to ensure the accuracy and proper handling of consumer credit information. Your failure to comply has not only resulted in financial and emotional distress but also constitutes a violation of my consumer rights under the FCRA. 

Pursuant to 15 U.S. Code 1681o, I am requesting the following corrective actions : 1. Immediate investigation and removal/correction of the inaccurate information. 
2. A detailed written response outlining the actions taken to rectify this issue. 
3. Compensation for any damages incurred as a result of your non-compliance, including legal recourse if necessary. 

Failure to comply with this request within the legally mandated timeframe may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal claims in a court of law. 

Please consider this my formal notice of dispute. I expect a written response within 30 days, as required by the FCRA. Should you fail to address this matter appropriately, I will take further steps to seek the necessary legal remedies. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate resolution and compliance with federal law. 

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 2025-03-26 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-03-26 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: FL

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have {$1000.00} in overdraft fees, if I made purchases on the same day Wells Fargo go back and add on the overdraft fee so lets say I over draft 4 times in one day they add on they over draft fee of the previous day on a new day.

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 2025-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX my synchrony bank rooms to go account was closed despite never missing a payment and no notice or warning was given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
They are lowering credit limits and when you pay them they lower the limit even more and reporting the new limits multiple times a month which then reflect on credit showing 100 % utilization then the process is repeated the more you pay them I had XXXX limit then it was dropped to XXXX and I owed XXXX

Company response to consumer: Closed with explanation