vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am formally requesting validation of the alleged debt referenced above, in accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please provide the following information regarding this debt : 1. Proof of Assignment and Ownership A copy of the original contract or agreement with my signature, demonstrating your legal right to collect this debt, including all assignments or transfers of ownership.

2. Itemized Statement A detailed breakdown of the amount claimed, including principal, interest, fees, and any payments made.

3. Creditor Information The name and contact details of the original creditor, along with any account history.

4. Verification of Authority Documentation proving your authority to collect this debt on behalf of the original creditor or any subsequent assignee. 

Until this requested information is provided, I am disputing this debt in its entirety. If you can not validate the debt, I request that you cease all collection efforts and remove any negative reporting from my credit file. 

Please consider this letter a formal request under the Consumer Financial Protection Bureau ( CFPB ) regulations and applicable laws. I expect a response within 30 days of receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my [ credit report/account ], specifically concerning XXXX, an account erroneously added on my report. This incorrect reporting constitutes negligent non-compliance under 15 U.S.C. XXXXo of the Fair Credit Reporting Act ( FCRA ), and I request its immediate deletion from my records. 

The FCRA mandates that entities handling consumer information maintain accurate records and promptly correct any discrepancies. Failure to comply, whether willfully or negligently, exposes such entities to legal liability. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently enforced actions against institutions for similar violations. For instance, in XX/XX/year>2025, the CFPB fined Equifax {$15.00} XXXX for inadequate investigation of consumer disputes regarding their credit reports, highlighting the serious implications of failing to address inaccuracies.

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 2025-03-04 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/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX Funding Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX  Date Opened XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX my account was charged by someone for XXXX. On XXXX someone tried to make a payment of XXXX. On XX/XX/XXXX it was returned. On XX/XX/XXXX I got an email from Capital One saying my auto payment was removed which prompted me to call them immediately in which I then learned of this activity. They started an investigation ONLY into the payment of XXXX that I repeatedly told them I knew nothing about nor did I have access to this account. They promised to investigate within 7-10 business days and someone from the investigations team would call me. To date, XXXX I haven't heard from anyone specialist or investigator. I call back periodically for updates and everyone keeps asking me to verify the payment on the account. I repeat over and over I did not make such payment, I have been with Capital One for years and have never had fraud on my account until now. Someone is using my information and calling them to get what they want out of them. I asked to put a password on my account and they refused. A rep recently told me that the specialist concluded the investigation and found that I called in from my cell phone on XXXX which is impossible when I only learned of this on XX/XX/XXXX. I keep telling them someone is using my information and its gone on deaf ears. They have yet to investigate the charge made on my account nor the fake payment. I have attached my downloaded call log highlighting when I first called capital one. I also attached the charge and payment made to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute the charged-off status of my account with your company DISCOVER BANK XXXX opened XX/XX/year> with the balance amounting {$1000.00}. I recently reviewed my credit report and noticed that this account is marked as charged off, which is negatively impacting my credit standing. I would like to request the deletion of this account from my credit report, as I believe there may be an error or extenuating circumstances that justify this request. 

I am requesting the deletion of this account for the following reasons : Incorrect Reporting : I believe the account was reported inaccurately or that there may have been a misunderstanding regarding the status. [ Explain briefly if there was a dispute, settlement, or if the charge-off was reported incorrectly. ] Payment Made After Charge-Off : [ If applicable, mention that you paid off the account or reached a settlement after the charge-off. Include any relevant details or agreements you made. ] Attached are copies of payment receipts and any other documentation proving that the account has been settled or paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I got scam on Venmo And venmo put my account into nagetive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IN

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 explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
Complaint Details : I am filing this complaint against Experian for failing to correct or remove inaccurate information from my credit report, despite my formal disputes and supporting documentation. Specifically, Experian has refused to properly investigate and remove a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) auto loan account, which contains multiple inaccuracies and is unfairly damaging my credit profile. 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$60000.00} written off, {$63000.00} past due as of XX/XX/XXXX Date Last Updated : XX/XX/XXXX I initially disputed this account with Experian, citing factual inaccuracies, potential reporting errors, and/or failure to verify the legitimacy of the debt. Despite my dispute and request for verification, Experian failed to properly investigate and instead marked my dispute as " Completed Consumer Disagrees '' without providing adequate justification or evidence supporting the accuracy of the information.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), Experian is legally required to : Conduct a reasonable investigation into disputed accounts.

Delete or correct any information that can not be verified as accurate. 
Provide details on the method of verification used to confirm the reported information. 
XXXX failure to comply with these legal obligations has resulted in : Continued harm to my XXXX XXXX due to inaccurate information. 
A lack of transparency in the dispute process. 
A violation of my rights under the FCRA.

Resolution Sought : I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take immediate action against Experian and require them to : Remove or correct the inaccurate XXXX XXXX  account from my credit report. 
Provide full details on how they verified the accounts accuracy. 
Ensure compliance with FCRA guidelines and implement stricter measures to prevent inaccurate reporting. 
IN ADDITION I ASKED TO REMOVE THE FOLLOWING ADDRESS WHICH IS NOT MINE AND THEY REFUSED XXXX XXXX XXXX XXXX FL XXXX. 


I am attaching copies of my dispute letter, Experians response, and supporting documents for your review. 

I appreciate the CFPBs assistance in resolving this matter. Please let me know if further information is needed. 

Sincerely,

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 2025-03-04 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My friend send {$300.00} via XXXX to my pnc account. I send a XXXX request to him and he achieved this request. I get the transaction alert email and it says the money will be in my account shortly, but I can't see it in my account after XXXX hours and I can't see this transaction history on my pnc online banking. I'm sure my friend have sent this money so I think pnc don't give the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Unfortunately Wells Fargo continues to play these vindictive games. Because in relation to the several hearings that has been scheduled in order to get the final rear balance resolved they play these games and bails out at the last minute. Now theyre claiming as you can see in the attachment that they agreeing to a Loan Modification. Well I submitted the modification documents to my attorney and I advised him that my XXXX XXXX XXXX XXXX needed to sign and submit the necessary documents. Pathetically now all of a sudden the modification has been objected. However it wasnt on my neglect because I submitted everything. And now Wells Fargo is claiming that they did not receive the {$770.00} XX/XX/year> payment towards the mortgage. These bunch of XXXX ( minority ) hating XXXX needs to stop their games. My late mothers prayer was for me to keep this property. And if Im out of Foreclosure then why do these XXXX still has my home on the Sheriffs Sale list? Sadly I was sold out by a former Real Estate Attorney by the name of XXXX XXXX to whom has an account with Wells Fargo and now has XXXX. However Wells Fargo worked with them to XXXX me over

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 2025-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: NC

Complaint narrative:
Unauthorized Soft Credit Inquiries on XXXX Report Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute 100+ unauthorized soft credit inquiries made by Albert Corporation on my XXXX credit report. These inquiries occurred daily from XX/XX/XXXX, to XX/XX/XXXX, without my knowledge, consent, or permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Key Details : Inquiry Dates : Daily soft pulls from XX/XX/XXXX to XX/XX/XXXX ( attached list for reference ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Impact : While soft inquiries do not affect credit scores, the volume and frequency suggest either a system error, aggressive marketing, or potential identity theft. 

I Demand the Following : Immediate Removal of all Albert Corporation inquiries from my XXXX report. 

Cessation of All Future Inquiries unless explicitly authorized in writing. 

Documentation proving permissible purpose for these pulls, if any exists. 
ALBERT CORPORATION Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, I submittied two billing disputes to my Citi XXXX for XXXX XXXX XXXX. The two disputes were for the same service, there was an initial deposit of ( {$1100.00} ) and this one for ( {$1200.00} ) which was the final payment which I paid once I picked up the vehicle. The one for {$1100.00} was credited and successful and the second was not. The only difference between them was the categorization. After going back and forth with the CITI dispute team, it was noted that the categorization was Services not received and should have been Services not as expected.. This was supposed to be noted and inputted to the dispute by the team member I spoke to in XX/XX/XXXX, right after I submitted the dispute, but never was. The other dispute, which included the same exact proof and explanation was successful, while this one wasnt seemingly due to a categorization misinterpretation. Additionally the Citi dispute system does not allow me to change the categorization and I cant withdraw the dispute and open another one. 

I have re-attached all the proof of the conversation with the merchant, where I sent them photos and reached out and they have ignored me. In addition to the service being installed incorrectly, they have also damaged by vehicles paint. The service that I paid for was for installation of paint protection film on the vehicle, which is a clear wrap to protect the paint from road debris and protect the paint. As noted in my messages to them, they damaged my paint and all the film was lifting and bubbling. Once again, all of this is shown in the images attached. During this whole process, the merchant ONLY reached out to me on XX/XX/XXXX, and I am still awaiting there response to this day. 

The CITI supervisor I spoke to, in XX/XX/XXXX, credited me {$250.00} for the " Inconvenience '' and told me there was nothing to be done. I can't submit another chargeback and they can't change the category. This is very frustrating, as I now just lost almost {$1000.00}

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 2025-03-04 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:
Recently I looked at a copy of my credit report and Noticed Several Inaccuracies on my account. This account is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
Account : XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
1. In my previous complaints I was very specific about what happened, Amerisave transferred my mortgage on XXXX XXXX. 
2 My Forbearance the remainder of my forbearance was paid by XXXX to Ameri save on XXXX XXXX 3. Amerisave reported my mortgage 30 to 90 days late while I was in forbearance. 
4. Amerisave reported that I opened a new mortgage with hem, when in fact the same mortgage was just transferred from Amerisave to Amerisave. 
5. Amerisaves fraudulent, unprofessional, deceptive and illegal practices ' have caused great damage to my credit score by dropping it over XXXX points. 
6. Am I the only customer that requested a hurricane Milton forbearance? 
7. Why me? why the great maltreatment?, why the run around? Is there a greater deed behind it all?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation