vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Business Corporation
State: NV

Complaint narrative:
My husband and I received a " Delinquent Notice '' from SWBC Mortgage on XX/XX/year> stating our " loan payment due on XX/XX/year> is in default. '' We called them to ask " How can a payment in the future be in default '' and their response was " That letter was sent in error... lots of people received those. '' We asked for a letter clearing this " error '' and the representative told us she " was sorry and can place a complaint for us. '' Sending people notices such as this one has happened before and SWBC needs to start taking accountability for these " errors '' and be help responsible for these errors by compensating people for their time and anxiety due to these errors. My husband and I stay current on our responsibilities and, as XXXX Survivors, these heighten our stress levels, especially when you call in and the rep acts as though it's no big deal. Absolutely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX, XXXX XXXX - XXXX, XXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
The following account is listed as Charge Off via all 3 Credit Reporting agencies. Please send a 1099c cancellation and remove this item from all credit agencies. I am

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
JCPenny credit card - issued and managed by XXXX XXXX. 
XX/XX/XXXX - Called and explained the bill I missed due date, a deal given was to pay off original charge {$250.00} on XXXX and waived interest and fee of {$37.00}, which was qual to total balance was {$290.00}, I was told I was clean owing nothing. 

XX/XX/XXXX - found I still got charged on interest {$3.00} and {$2.00} fee, called twice, agents were very rude by telling different rediculous reasons- one said it's system issue couldn't do anything, the other said due to policy/term changes. Asked esclating and told " whoever you talk will have same answer '', I asked to talk to customer complain/relations then was told " no customer complain/relation department. 

XX/XX/XXXX - called JCPenny for help, it transfered my call to Synchrony, I got kicked to amazing the same overseas team handling my request before, even after I expressed clearly to file complaining to Synchrony 's headquarters or customer relations department. The same team with three roles - athelete/referer/policy maker, file a complaint to themselves? Totally waste time and got yelled. I learned! 

It's small amount of money, but customers should be treated fairly and with dignity/respect. As a bank most important is your credit and people 's trust. You can't develop into a big bank if you only issue cards as many as you can but ignore or without service. Your overseas service team is really helpless at all, most importantly they don't like their job except making money 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 monetary relief
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I am writing toTRANSUNION to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that TRANSUNION being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.

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 2025-02-03 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: GA

Complaint narrative:
I am filing this complaint because [ /Equifax/TransUnion ] is reporting an account from XXXX XXXX XXXX XXXX has not been properly verified under the Fair Credit Reporting Act ( FCRA ). 

I disputed this account on ( XX/XX/year> ) Dispute ] and provided proof that XXXX XXXX XXXX failed to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the account remains on my credit report. 

I am requesting that the CFPB investigates this matter and ensures compliance with federal law. Under the FCRA, unverified accounts must be removed. This inaccurate reporting is negatively affecting my credit score, and I am seeking its immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XX/XX/XXXX I used my Discover card to purchase medication through XXXX XXXX. XXXX XXXX used XXXX XXXX to fulfill the order. There was no option to use any other pharmacies. I later discovered that XXXX lacked a sterile compounding license. The medication route is for subcutaneous injection. I first contacted XXXX for an exchange or refund as at this time they no longer used XXXX to fulfill the orders. They declined to resolve my issue with exchange or refund. I was told other pharmacies were used to manufacture the medication despite the medication solely being labeled with XXXX labels. They declined to disclose what pharmacies were used. 
I then opened a dispute with Discover card, sharing all of the above information on the grounds of fraudulent merchandise sold not as described and counterfeit merchandise as the medication was told to me to be manufactured by a mystery pharmacy but labeled with XXXX XXXX. This was denied and I was told the transaction was valid. Since this began XXXX XXXX has voluntarily relinquished their pharmacy license. 
The purchase price was {$2500.00} on XX/XX/XXXX. I contacted XXXX for exchange of goods on XX/XX/XXXX with a reply back on XX/XX/XXXX. I initiated my Discover card dispute on XX/XX/XXXX with the denial being resulted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: WA

Complaint narrative:
XX/XX/year> {$600.00} was taken from my cash app and that was my rent money! I called customer service just to be on hold for a whole hr with them helping figure out how and why {$600.00} was taking from my account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hello. Citibank is refusing to unlock my account unless I provide the information that is locked in the account. I have tried chat support and every number listed on the internet. No one can help me unlock my 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 non-monetary relief
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
Complaint Details Transaction Overview : Date of Fraudulent Transactions : XX/XX/XXXX ; Location of Transactions : XXXX, NJ ; Transaction Amounts : {$340.00} and {$350.00} ; Merchant Name : XXXX XXXX XXXX  ( Unverifiable ) ; Complaint Summary : I am filing a formal complaint against Wells Fargo Bank for improper handling of a fraudulent debit card transaction and failure to provide adequate fraud protection measures. 
Detailed Chronology of Events : Fraudulent Transactions : XXXX unauthorized charges were processed on my debit card on XX/XX/XXXX ; I was physically located in Georgia at the time of these transactions ; I have documented local, legitimate transactions from the same day using my card and PIN, proving my physical location ; Immediate Fraud Reporting : Reported fraud immediately upon discovering the transactions on XX/XX/XXXX ; Immediately cancelled the compromised debit card ; Card was in my physical possession at the time of the fraudulent charges. 


Bank 's Response and Failures : No immediate fraud alert was sent despite suspicious out-of-state transactions ; Temporary credit was only issued after a follow-up call a week after initial reporting ; XX/XX/XXXX : Received a letter claiming transactions were legitimate ; Merchant " XXXX XXXX XXXX '' could not be verified ; No explanation provided for the alleged purchases ; Bank refused to prevent credit reversal XXXX for XX/XX/XXXX Specific Concerns : Lack of proactive fraud monitoring ; Absence of transaction verification ; Failure to provide substantive evidence of transaction legitimacy ; Inadequate customer protection protocols. 

Supporting Evidence : Transaction records showing local concurrent purchases ; Proof of location during fraudulent transactions ; Communication records with Wells Fargo ; Copy of fraudulent transaction notification ; Regulatory References : Electronic Fund Transfer Act ( EFTA ) ; Fair Credit Billing Act ; Consumer Financial Protection Bureau ( CFPB ) regulations on unauthorized transactions. 

Conclusion : I request a thorough investigation and immediate resolution of this fraudulent transaction 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 explanation
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act the group naming themselves XXXX XXXX XXXX has by their claims purchased several of my old accounts and in the process has violated my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 15 U.S.C 1681section 602A. States I have the right to privacy 15U.S.C1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following information : any other adverse item or information.other than the records of convictions and crimes which antedates the report by 7 years 15. USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the debt is too old

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 2025-02-03 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: NY

Complaint narrative:
In accordance with the fair credit reporting act the group naming themselves XXXX XXXX XXXX has by their claims purchased several of my old accounts and in the process has violated my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 15 U.S.C 1681section 602A. States I have the right to privacy 15U.S.C1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following information : any other adverse item or information.other than the records of convictions and crimes which antedates the report by 7 years 15. USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the debt is too old

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 2025-02-03 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: NJ

Complaint narrative:
I have consistently made timely payments for 6 years, demonstrating my commitment to responsible credit management with this bank and credit card. However, I hadnt used my credit card for quite a while and had misplaced it. I completely forgot about the credit card payments since I wasnt receiving any late credit card notices until XXXX of 2024, which I immediately contacted the billing division, paid my bill in full, and asked to have my credit card account closed. I had moved to a new address and probably forgot to inform the billing division. This could also have been an issue with communication via mail. 
Ive never had any late payments in my credit history. My credit score has been consistently above XXXX. I tried to buy a car, but I could not do it due to my credit score/history. I have been a caregiver for my mother, who is XXXX and has an advanced stage of XXXX and other medical issues. I need a reliable car to go to work and take my mother to the doctors appointments. I also have a daughter who needs a car to commute to college and needs a co-signer. My daughter 's father passed away years ago, and I am the only parent she has. 

I am confident that this isolated late payment does not accurately reflect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief