vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Lawsuit filed by Portfolio Recovery Associates on XX/XX/XXXX. Returned certified mail-unable to deliver to me on XX/XX/XXXX. Notice mailed by regular mail on XX/XX/XXXX to the SAME address the certified mail was undeliverable. On XX/XX/XXXX they filed a motion for default judgement, which was granted on XX/XX/XXXX. I had not yet been notified due to incorrect mailing address. On XX/XX/XXXX they filed a motion for revivor. On XX/XX/XXXX again certified mail was returned, I still was not advised. On XX/XX/XXXX they mailed a notice of a court date for a XXXX hearing. XXXX issues, XXXX. I was never notified of the original judgement and XXXX. This 10 years past the original judgement that was granted for the amount of {$660.00} plus costs. They are saying since the judgement has not been paid or satisfied a total of {$830.00} is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Errors in billing and reporting by my bank have had a negative impact on my credit, despite my efforts to maintain a responsible payment history. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to report payments and account balances accurately, yet I have identified several issues. Payments I made were not properly recorded, and there are clear miscalculations in the reported amounts. Additionally, I was not given the required XXXX notice before a payment was due, making any late payment not only unfair but also legally invalid. These inaccuracies are a direct violation of my rights and have unfairly damaged my credit standing.

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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
This account has been fraudulently open I reached out to this company multiple times and they have not resolved this I provided court documents where it shows there is a XXXX balance and they still report to my credit which stops me from getting housing for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX I messaged Synchrony using the online chat feature, because I saw I was being charged interest on XXXX of my CareCredit accounts. I thought this account had a XXXX  month promotional period of no interest. The online representative let me know that the promotional period was only for XXXX  months. However, I did not receive any electronic statements for this account for 6 months ( end of XXXX XXXX XXXX ). If I had received an email with my statement, I would have seen that I was being charged hundreds of dollars in interest ( {$580.00} ) and I would have paid off the remaining balance to avoid being charged interest. The online rep told me that the emails are sent automatically and because of this they would not be able to refund the interest. I asked for some sort of log or confirmation of the emails being sent and they said they would not be able to provide this. I asked them to have IT look into this because it is probably happening to other people, but they did not seem to care. Something must be wrong with the account because I received emails for my other Synchrony accounts. I tried to save the chat history but there as an error, see attached screenshot. I have paid the remainder of the balance except for the remaining interest because I believe my rights under the Truth in Lending Act and Regulation Z were violated. I ask that Synchrony please waive the interest accrued on this CareCredit 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 2025-03-03 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: IL

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

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

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-03 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-03-03 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent account and inquires on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts and inquires from my credit report as soon as possible. 
Disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
There was XXXX dollar or something dispute i did with the bank. than i took XXXX us dollar out of atm. next thing i know is for all of certain bank account as been closed I called them they told XX/XX/XXXX account was closed. I got a notice saying due to violating of agreement. But they have failed to inform me what part did i violate i do not believe i have violated any agreement. Due to closing of account and my fund not being available to me for long time it has caused me tremendeous stress and affected my life. I believe US BANK closing of my account Unfair, Deceptive, Abusive Acts and Practices. Being a customer i have the right to know what actually did i violate and its my fund if they want to close my account they do not have the right to hold my account for 10 to 20 days who will take care of stress and effect it has caused me. I am already facing hardship in life and this has added extra hardship to my life. The way of closing my account was unfair. I want my account to be REINSTATED if not possible want to know exact answer not vague answer why it was closed and also want to be compensated properly as due to their system closing my account and i not being able to use my own money it has effected my life and also given my stress. I want my account to be reinstated and also get compensation for holding my money.

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 2025-03-03 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: CL Holdings LLC
State: TX

Complaint narrative:
Under 15 usc 1681S-2 and 1681c violation and it has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Flexible Finance, Inc.
State: TX

Complaint narrative:
Under 15 usc 1681S-2 and 1681c violation and it has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Had a credit card with Macy n someone stolen my identity n gave them a report Macy wrote the debit off on there taxes n didn't send me a copy of the 1099C what do I do n Macy sold the account to 4 different agencies to try to get money from n I need help please

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with non-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 was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is the second XXXX XXXX account that I have made a complaint about. I have no recollection of even opening this account and informed them that several times I have been a victim of identity theft and that there is a statement on my credit bureau stating this as well as I am to be contacted before any accounts are opened, which I was not. Portfolio Recovery is reporting this to the bureau. I will be sending cease and desist letters to stop reporting and removing within 30 days. The amount that is due on this account is {$650.00}.

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

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 2025-03-03 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I responded to an offer to open a Bread Cashback American Express credit card and get XXXX $ back after spending XXXX XXXX On XXXX I received a letter from Comenity Bank that said I needed to verify some information which I did right away. I spent over XXXX $ on the card in XXXX but never received the XXXX XXXX Now they say that I don't qualify for the offer because I opened the account on XXXX. I have proof that I applied before that and they delayed opening it. I feel they are scamming me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I fell behind on my car payments due to financial difficulties but made several payments over the course of XXXX months in an effort to catch up. Despite these payments, I still remained XXXX months behind and ultimately had my car repossessed. I believe that Ally Financial is intentionally adding excessive finance charges that prevent customers from ever fully paying off their past-due balances, making it nearly impossible to catch up. No matter how much I paid, the amount I owed never seemed to decrease enough to bring my account current, leading to an unfair cycle of debt that resulted in the loss of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SENT DISPUTE LETTER, CREDITOR HAS NOT REPLIED OR SENT ANY OF REQUESTED INFORMATION

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Formal Dispute Violation of Fair Credit Reporting Act & Failure to Conduct a Reasonable Investigation To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 
The Consumer Financial Protection Bureau ( CFPB ) has sued both XXXX and XXXX for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. 
# # # Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that XXXX and XXXX have routinely failed to comply with this obligation.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it.

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement.

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau . Your continued reporting of information without proper verification constitutes willful negligence.

# # # Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against XXXX and XXXX for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of the following inaccurate, unverified, and disputed accounts from my consumer report : Account Name XXXX XXXX Company - Portfolio Recovery A Account # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mr. Cooper was notified in XX/XX/XXXX about their overpayment of taxes to XXXX XXXX SC. They took out/ allegedly paid : {$6600.00}, which was when the tax bill is : XXXX. 
We confirmed with XXXX XXXX Tax that Mr. Cooper only paid {$2200.00}, and that XXXX, their wiring vendor must be holding the overpayment of {$4300.00}, and or MR. Cooper has embezzled the money. 
Mr. Cooper is saying we will be past due if we do not pay their recalculated amount based on their error, and depleted escrow account/ We have sent emails, certified mail, and chats. We were told an escrow audit would be done. Her is is XX/XX/XXXX. XXXX, no response. You can never get anyone on the phone. The chat option has XXXX plus in the cure, thus 2 hrs waiting. Which we have done.

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

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

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

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 2025-03-03 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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