vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I recently reached out to Experian about a fraud account a XXXX XXXX account. All information was submitted XXXX also reached out to all the Bureau. All bureaus did cooperate with removing the fraud accounts however Experian took it amongst themselves to reinsert the XXXX account back onto my credit profile. I was not sent any information prior to the reinsertion. According to FCRA the company has to send me a written notice within 5 days of reinsert. I have tried to reach out to the company by mail and phone about the reinsert both no response. This is a violation of my consumer rights according to FCRA.

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 2025-04-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
- On XX/XX/XXXX XXXX statement showed {$1400.00} and {$96.00} charged by XXXX company for service I did not use. 
- The day I received XXXX statement I called XXXX Customer service on the same day, I explained to the lady that I did not make the charges indicated in the statement, she understood the problem, she said the charges will be removed and the credit card will be canceled and replaced with new one and advised not to use the current credit. 
- I received my new credit card within a week- I received The XXXX statement in XXXX and I was credited both {$1400.00} and {$96.00} from XXXX. I paid the rest of the bill. 
- When I received XX/XX/XXXX bill I found out that both charges has been instituted again, I called the customer service again and I explained the whole story, she did not give me any explanation and said yes charges has been reinstituted and I requested and explanation she did not give me any, I informed her that I am not going to pay for charges I never made and this is a large amount and it was her company 's fault and this service I never received, and she said it is your purgative and we will do what we have to do, I informed her for the record that I am not going to pay these charges. 
- I sent {$700.00} the rest of the bill without the verbo charges. 
- I received XX/XX/XXXX bill with the same charges again {$1500.00} including the interest I have been a good customer for CHASE since XXXX never have any issue or problem with company never been behind or delay in my payments, now they want to charge me for service I never received, this not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had an account ending in XXXX for years. When TJMAXX switched to Mastercard I was sent a new card. I did not apply for this card, it was just sent to me. I did not notice that the account number had changed. I continued to make all payments to the same account ( XXXX ) for a total of {$640.00}. In XX/XX/XXXX I was shopping and my card was declined. When I called to inquire I was told that payments were not being made to my current account ending in XXXX. The man I spoke to finally found that TJMAXX had not closed out the account ending in XXXX when sending me a new card and that all payments were being made to that card. When a new card was sent to me the old account should have been closed as the balance was indeed transferred to the new card. He promised this would be fixed and all payments would be transferred to the correct account. He asked that I allow 30 days. Since that time I have been making regular payments to the correct account ( XXXX ) Thirty days later I called and had to explain the entire situation again. The person I spoke to apologized and promised the payments would be transferred. 
Last week I received a notification that I am late on 2 cards with you. One ending in XXXX with a balance of {$640.00} and a late payment being reported to my credit. And also my other account ( XXXX ) was being reported as late to my credit. 
On XX/XX/XXXX I spoke to XXXX. I was on the phone for an hour and 45 minutes while she helped me to figure out the issue. Apparently in their attempt to fix my issue they transferred {$640.00} twice which ended in a balance on a card that again I will say should not exist. The card ending in XXXX should be closed. Not one negative mark on my credit. XXXX should be up to date.

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 2025-04-30 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: PA

Complaint narrative:
Today, I saw inaccurate information on my credit report that I dont recognize. I regularly check my report, but this time there were unexpected errors. I refreshed my browser in case it was a technical issue, but the incorrect accounts were still there. Thats why Im asking for a detailed examination of the documents Ive provided, so I wont have to deal with this problem again.

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 2025-04-30 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Associates International Holdings Corporation
State: GA

Complaint narrative:
XX/XX/scrub>XXXX debt collectors contacted ex-in-laws, who in turn contacted my daughter, who had previously been contacted. He was implying he was an attorney that time. He states he had filed a judges with XXXX XXXX. He also threatened to send a processor out to serve me. He states this debt is from XXXX. Im unaware of this debt. Collector hasnt provided any paperwork to show proof.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-30 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts and hard inquiries were not authorized and must be removed under FCRA 605B and Metro 2 Compliance : Fraudulent Accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Unauthorized Inquiries : Multiple ( full list in uploaded PDF ) Incorrect Names/Addresses : Multiple ( details in PDF ) This is a follow-up complaint. The credit bureaus failed to block these items after being provided documentation. Please review the attached PDF for full evidence and resolution request.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXXXXXXXXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXXXXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: WA

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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My wife and I used carecredit to pay for a procedure two years ago. She signed up for hers on a separate occasion two days after mine. The procedure was not carried out same day. Was told that it was interest free for 24 months, then it would begin accruing interest. Neither of us on either occasion were informed that it would be 32 % and deferred based on the original sum rather than standard credit card rates and based on the remaining balance. The emails also did not display this info and only had small text near the bottom that " promotion ( s ) expired soon '' which I believed related to the rewards program offer emails from carecredit that I was also receiving. I noticed that my initial balance doubled as I only owed XXXX and it jumped to XXXX. I called the very next day and was informed about the deferred interest. I was able to pay my wife 's original remaining balance in full and have the interest waived. However they refused to do the same for my account because I was a mere two days outside of the grace period. I paid the full amount of my initial balance and stressed that if I had been aware of how the interest was tabulated I would have paid significantly sooner as neither I nor my wife were aware of it despite signing on separate occasions it was not explained to either of us, nor that the minimum payment structure was not adequate to cover the initial balance in the projected period. They have been fully reimbursed the initial balance but are refusing to waive an interest lump sum charged that is greater than what the remaining balance was due to a time limit that the emails never explicitly stated or conveyed the severity of. We were never informed of this and would have taken action sooner if we had informed consent of the deceptive and predatory nature of the loan. This company has been fined XXXX XXXX in the past by CFPB for these very practices.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Accounts : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am currently experiencing an issue with accessing my credit report and score through Experian. Each time I attempt to view my credit report, I receive the following error message : Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. 

This issue has been ongoing and has prevented me from reviewing my credit information accurately. I have not been able to access my updated credit report or score, which is essential for managing my finances and improving my credit. I have verified that my personal information is correct on my end, so Im unsure why there is a mismatch. 

I would appreciate any assistance in resolving this matter 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 explanation
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I contacted Chase Bank to report an unauthorized deposit of {$4000.00}, along with XXXX transactions involving withdrawals and point of sale ( POS ) purchases amounting to {$500.00}, {$80.00}, {$120.00}, and {$160.00}, all of which took place on March 20-21, 2025. While XXXXhase rejected the withdrawal and POS transactions, they did not dispute the deposit, which was made at a local ATM by an unknown individual. They indicated that the withdrawals and POS transactions were executed using my PIN & debit card, which I still have in my possession. I am confused about how my debit card could have been skimmed and cloned. I informed Chase that this situation represents identity theft, as the card remains usable for purchases despite my possession of it. I questioned why they denied the withdrawal and POS transactions but approved the ATM deposit on the same day, XX/XX/year>. Chase clarified that the deposit was flagged because I had reported it as unauthorized. However, both the deposit and the other transactions occurred on the same date. I requested access to the ATM 's video footage, but a Chase XXXX informed me that a court order would be necessary to obtain it. This appears to be an inconsistent decision by Chase, as they rejected the withdrawals and POS transactions while accepting the unauthorized ATM deposit made with my debit card. If I reported XXXX fraudulent transactions on XX/XX/year>, then Chase should have denied all XXXX, including the deposit. Please see attached transaction. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I never opened this account. It appears to be fraudulent. Enclosed are supporting documents.

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 2025-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
PENTAGON FCU {$43000.00} THIS IS NOT MY ACCOUNT OR DEBT IT IS REPORTING ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing the XXXX XXXX charge-off entry listed on my TransUnion credit report. The account ( ending in XXXX XXXX XXXX XXXX XXXX ) shows a balance of {$1400.00}, and I strongly believe this charge-off is inaccurate. This account has been reported as charged off without proper verification of the debt, and I have not received any substantiated documentation or notification regarding this charge-off. There is no record of this debt being resolved through proper channels, and I suspect that this entry could be the result of either a data breach or a clerical error in the reporting process. Furthermore, I have not been provided the necessary validation of this debt, nor has any collection activity been appropriately communicated to me.

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a fire at my house. I received XXXX XXXX XXXX joint check payable to my wife and I as homeowners and Well Fargo as mortgagor. I sent the check overnight to the specifed Wells Fargo address and next day received acknowledgement of the receipt. Since then, Wells Fargo has willfully and recklessly denied issuing me funds and say that the account has a XXXX balance. Where is my money they are supposed to be holding in escrow? They lost it. 

I have had XXXX telephone conversations with Wells Fargo. They tell me it could be XXXX weeks to investigate. Meanwhile i owe contractors now over {$40000.00}. 

We have no electric power for XXXX days and Wells Fargo is telling me that I need to wait another XXXX days with no power or money to fix the problem. XXXX  is hot with no power.

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