vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I was notified of a charge on my credit from a collection agency name phonetic recovery group, I contacted them early XXXX I scan recall date, I was unable to acquire any info from them as they stated they had no information from where the collection was coming from. I received a call in XXXX regarding the collection and was notified it was from my old property who was charging me for the full lease since it was a broken lease and that the property had many failed attempts to reach me. I tried to talk to the collections agency and asked for proof of the invoice that was being collected and proof that the property had tried contacting me whether it had been through email or phone and the first lady I spoke to was very short and said she needed to place me on hold. The call was hung up and I called back and I was then speaking to a guy named XXXX, who was very argumentative after I tried asking for proof and was trying to tell him I never received any final statement from the property and he yelled at me to shut up at which point I was taken aback and still tried to explain the situation and he kept telling me shut up and stop talking and said the property is not required to reach out to you with a final notice if you broke the lease which is not what I was told prior by the leasing office when I turned my keys in. I eventually hung up because he continued to yell at me and tell me I didnt know what I was talking about. I never received any follow up information or proof of invoice or anything from either the collections agency or property. I attempted to call the property manager to inquire about why it was sent to collections before ever being sent to me because they had my email and number and knew how to get in contact with me, we had been emailing through the time leading up to me leaving. So I was left confused and with no answers. I was told the manager wasnt in and never got any call backs. I told the creditor to stop reaching out because they are extremely vulgar. And they continued to try contacting me and still provide me not information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: TN

Complaint narrative:
CalledXX/XX/XXXXto see about a debt that is on my credit report told them to send me proof of debt the amount owed or anything representative stated no she will not. Asked if I can contact XXXX XXXX to get this information she stated it was sold to us we take care of it and no we will not send anything and I stated well I do t know if it's mine I'm not paying it ... representative them stated we'll don't pay it. If I can't get proof the debt is mine it needs to be removed from my credit report.

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 fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XX/XX/XXXX AMOUNT {$0.00} acct # XXXX XXXX XXXX / XXXX AMOUNT {$2100.00} acct # XXXX XXXX XXXX XX/XX/XXXX /XX/XX/XXXX AMOUNT {$110.00} acct # XXXX XX/XX/XXXX BANKRUTCY FILING/ XX/XX/year>2019 AMOUNT {$940.00}

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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
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:
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 non-monetary relief
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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports

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: 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: FL

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
I was surprised to find out that XXXX / Chime on XX/XX/XXXX withdrew all the funds from my account. 

My Chime online statement references the transaction as an " Adjustment ''. 
Upon contacting the Chime Support team I was advised my account was closed for inactivity and the money in my account was sent to me by check to my home address. 

As of XX/XX/XXXX no such check was received by me. 

Upon further contact with Chime Customer support, they subsequently said the money in my account was sent to the State of " ____ '' the " Escheatment Process ''. 
The Chime Support team also advised me Chime had closed my account but has now reactivated my account upon me contacting them. 

Although my account was reactivated my money was not placed back into my account. 
I was told I was required to contact XXXX ( their parent company ) and I was also told I needed to contact the State of " XXXX '' Treasury of Unclaimed Property - Escheatment Department. 

Upon contacting the State I was advised they have " No record '' of my money being sent to the by XXXX or Chime. 

The State is requesting me to produce a letter from XXXX XXXX Chime that my money was sent to the State. 

I contacted Chime customer support and requested such a letter on XXXX XXXX. I advised them that I never received any such letter or email. And I pointed out to them my Chime statements contain No such information that my money was sent to the State. My statement merely shows a negative " Adjustment '' on XX/XX/XXXX XXXX  out my account with no explanation of why the balance of my account was withdrawn and where the money went. 

Chime Customer Support advised me that they Can Not provide me any written communication confirming for me " the when, why and where they sent my money. '' They insisted I send an email to XXXX at the following address " XXXX '' and to seek assistance there. 
I tried sending an email to that address only to get a system response saying the email address is not valid. 

I further tried to contact XXXX via a phone number on their web site which took me back to Chime Customer support who tells me they can not help me any further. 

Lastly, I went back to the XXXX web site and made an online inquiry hoping someone will contact me back and help me. 

At this point I am out over {$700.00}. And although that may not seem like a great deal of money to some that is a paycheck to other people. And I can not understand how a banking checking & savings account company can take such actions to confiscate, lose and otherwise disperse in such a way their customers money without at a minimum a phone call, an email, a text or a letter to confirm such an action made sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Summary - business checking bonus promotion not received according to terms On XX/XX/XXXX I visited the XXXX XXXX, CA branch and opened a checking account and XXXX  with XXXX XXXX. 

The terms of the bonus required that within 45 days of account opening, make a qualifying deposit of {$100000.00} or more in XXXX funds to eligible accounts including the checking and linked XXXX. And that I maintain the required minimum balance for an additional 45 days from the 46th day of offer enrollment. 

On XX/XX/XXXX, my accounts surpassed $ XXXX. My accounts remained above $ XXXX until XX/XX/XXXX. 

The terms stated : Your bonus will be deposited to your Citibank business checking account as a credit within 30 days from the end of the month in which you complete all requirements. The 90 day mark for from opening the account would have been XX/XX/XXXX. The end of the month in which I met the requirements was XX/XX/XXXX. 

Per the terms, the bonus of {$1500.00} should have been paid by the end of XX/XX/XXXX. I have not received the bonus. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 monetary relief
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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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



ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE 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 2025-02-03 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: CA

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



ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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: 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I had mobile service with XXXX XXXX and had the payment drafted automatic. I contacted them in XXXX or XXXX to try to lower my bill. I was paying XXXX. They told me that they could reduce it to XXXX and change and that it would be on the next billing cycle. Next month came it was the same amount. I paid that amount due to the account being on ach. Were told that the following month it would reduce. It didnt so they issued a partial credit and I made a one time payment for the difference. So the following month I received an email that my plan had been changed to higher amount and the auto pay cancelled. So I had had enough at this time I switched to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX drafted a payment for XXXX. I contacted the on XX/XX/XXXX. Agent stated that it drafted an error that I would received partial refund for XXXX deposited back into bank account within 72 hours. I explained to him it should be the entire amount due to receiving the correspondent that auto pay had been canceled. After 72 hours I didnt read refund and contacted my bank for credit XXXX. As of XX/XX/XXXX I read letter fromTsi collection stating I owe XXXX to XXXX. I explained to him what I telling you. He stated that the debt is valid and he can reduce it by XXXX. Ive never missed a payment and pay my debt. Please assist. Im not getting anywhere with them

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : 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 XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation