vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a letter ( dated XX/XX/year> ) from " XXXX XXXX '' with a XXXX XXXX XXXX ( no physical address ) in XXXX, XXXX XXXX saying that Elan Financial Services ( also a XXXX XXXX XXXX XXXX XXXX ) is opening or has opened a credit card account ( ending XXXX ) in my name. I replied ( XX/XX/year> ) with a letter saying I did not open this account nor did I authorize anyone to open such an account in name, and demanded that the account be closed and the credit card terminated. 

Today ( XX/XX/year> ) I am in receipt of two letters, one from Elan Financial Services and one from XXXX XXXX, asking me to certify that I did not open this account and asking me to fill out a 5-page questionnaire demanding all kinds of personal information and to be signed before a notary. 

In my earlier complaint with CFPB, I assumed ( based on online information ) that the bank in question is US Bank. But I am not sure now. It seems that the outfit in XXXX, XXXX XXXX ( going by Elan Financial Services ) is a scamming operation that tricks people into providing personal information, including social security numbers etc.

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 2025-03-26 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: MN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 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: TX

Complaint narrative:
Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments XXXX  XXXX  - XXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 



Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 



I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX/ XX/XX/XXXX XXXX

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 2025-03-26 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: GA

Complaint narrative:
I sent a request to have the status of a XXXX  day delinquency removed for XXXX accounts that are showing I am in current standing. On XX/XX/XXXX, XXXX reported that I am XXXX  days late for the following XXXX accounts : XXXX, XXXX, and XXXX. My credit report shows that at the time of this reporting, all three of my accounts are current for the previous months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This makes the reporting of XXXX  days late on XX/XX/XXXX inaccurate. I submitted a dispute by mail to have these items removed due to inaccuracy, however, the information was not updated on my credit profile to reflect new information nor were the XXXX inaccuracies removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : Request for Payment History Update and Charge-Off Adjustment Dear American Express Customer Service XXXX XXXX am writing to formally request that my accounts payment history and charge-off status be updated to reflect a positive standing. My account was charged off, and per IRS guidelines, I understand that American Express is required to issue a Form 1099-C for the cancellation of debt. However, I was recently informed that my account does not qualify for a 1099-C, despite the fact that the debt has been written off.

Since my account has been charged off, this debt should be considered forgiven or canceled. If American Express is not issuing a 1099-C, I respectfully request clarification on why my account does not qualify, as well as any supporting documentation explaining this determination. Additionally, I ask that my credit report be updated accordingly to reflect accurate reporting. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: MD

Complaint narrative:
I sought a documented via mail XXXX XXXX of the charge off. Thus, it is XXXX Inaccuracies since XX/XX/XXXX- XX/XX/XXXX. Another company acquired my account and I did not receive notice about this action nor received mail stating my account has been charged off successfully. Report is inaccurate. The original creditor/issuer does not have any recorded dates and times about my account status. They acquiring company has not provided mailed proof of charge off, and my identity was sold to the purchasing company without my written consent. I have no information from the company. Kindly remove and delete this fraudulent reporting on my account that is causing inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I need help with the Insurance issues that Wells Fargo keeps stating they have the policies and then they do not. I need my escrow adjusted according to my ins being correct and the policies cancelled that I was told was already done and now told it is not. I continue to have policies paid from my escrow and one day they have my XXXX XXXX XXXX and XXXX and next time they do not. I need someone to look at my escrow and adjust my pmt too. I can not keep paying premiums I do not need and my payment going up. I need someone to care and help 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 non-monetary relief
Consumer complaint received 2025-03-26 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 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
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
Bank failed to initiate proper chargeback process for {$25000.00} code 4855, services not rendered I am filing a formal complaint against KeyBank due to their failure to properly investigate and file a chargeback under Visa/Mastercard Reason Code 4855 Services Not Provided. I was defrauded out of {$25000.00} by XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, who failed to deliver the software services outlined in our signed XXXX and SOW agreements. 

The transaction was invoiced via XXXX by XXXX, who facilitated billing on behalf of his business. Despite my repeated attempts to dispute the charges, and despite being present with a KeyBank branch manager who called the fraud department to request filing the dispute under the correct code, KeyBank failed to process the chargeback properly and instead advised me to call the policeavoiding liability.

Instead of initiating a legitimate fraud dispute under Reason Code 4855, KeyBank contacted the merchant to confirm I authorized the chargeignoring the investigation and fact that authorization is different and irrelevant when services are not rendered. 

I have submitted the following : A police report An XXXX complaint An FTC fraud reference number All supporting documentation, emails, and communications to prove these claims. 

KeyBank still closed the matter without a proper investigation. This is a clear violation of Visa/Mastercard chargeback procedure and Regulation E consumer protection laws.

I am demanding that this case be reopened immediately, a full investigation conducted under Reason Code 4855, and that I be reimbursed the full {$25000.00}. 

Location : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Complaint # : XXXX FTC Ref # : XXXX Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
Account name SANTANDER CONSUMER USA Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$19000.00} written off. {$9600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
I do not recognize this address I never lived there it need to be 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 2025-03-26 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: CA

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 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 2025-03-26 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: CA

Complaint narrative:
In regards to an Internet ( XXXX ) bill which was sent to collection on XX/XX/year> and paid in full by me shortly thereafter, this one-time delinquency was the result of a miscommunication by the XXXX customer service representative XXXX 
I was misled by the XXXX representative, and I am being unjustly punished by this delinquent mark on my credit. I have emails, invoices from XXXX which do not show any owed balance, payment records and text communications and most recently a screenshot of a customer service chat claiming they have no record of it. 

-- > Please note that when asked, the representative verbally confirmed that the account was now entirely in the new customer 's name and that I could settle my previous month 's bill with her directly. I immediately proceeded to remit payment to her. 

There was no delinquency on the account at the time, nor had there ever been previously. In fact, if you look at my credit report, you'll notice that - aside from this instance - I have a history of 100 % on-time payments in all my various accounts. 

I emphatically attest that the XXXX customer service representative, on the lengthy three-way call with myself and the transferee, left us both with the distinct understanding that my " final month '' balance was being carried over to the transferee 's account and that I could settle it with her directly. We both believed that the matter was concluded and that no extra money was owed by me to XXXX. 

I received no further correspondence from XXXX. No invoice, no past due notice. 
Nothing. 

-- XXXX Please note that The FIRST indication I had of any owed balance was the initial collections call from Eastern Account. I had received NO invoice from XXXX. I was given no notification whatsoever of an open balance, nor any time to resolve it before it was sent to collections. 

I immediately inquired with XXXX, but they told me there was nothing that they could do, that it was too late. They admitted XXXX fault of their own and refused to provide any details to me at all about my account history. My jeopardy due to the lack of any timely correspondence from XXXX seemed to be of no concern to them. They admitted no error, but an error was clearly made on their part. 
And I continue paying the price to this day. It has already cost me hundreds of dollars in higher interest, money that I am being charged on other accounts because of the excessive XXXX hit to my credit rating from this single instance. 
I hope youll agree that this is unjust, and take appropriate corrective action.

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 2025-03-26 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: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
In regards to an Internet ( XXXX ) bill which was sent to collection on XX/XX/year> and paid in full by me shortly thereafter, this one-time delinquency was the result of a miscommunication by the XXXX customer service representative XXXX 
I was misled by the XXXX representative, and I am being unjustly punished by this delinquent mark on my credit. I have emails, invoices from XXXX which do not show any owed balance, payment records and text communications and most recently a screenshot of a customer service chat claiming they have no record of it. 

-- > Please note that when asked, the representative verbally confirmed that the account was now entirely in the new customer 's name and that I could settle my previous month 's bill with her directly. I immediately proceeded to remit payment to her. 

There was no delinquency on the account at the time, nor had there ever been previously. In fact, if you look at my credit report, you'll notice that - aside from this instance - I have a history of 100 % on-time payments in all my various accounts. 

I emphatically attest that the XXXX customer service representative, on the lengthy three-way call with myself and the transferee, left us both with the distinct understanding that my " final month '' balance was being carried over to the transferee 's account and that I could settle it with her directly. We both believed that the matter was concluded and that no extra money was owed by me to XXXX. 

I received no further correspondence from XXXX. No invoice, no past due notice. 
Nothing. 

-- > Please note that The FIRST indication I had of any owed balance was the initial collections call from Eastern Account. I had received NO invoice from XXXX. I was given no notification whatsoever of an open balance, nor any time to resolve it before it was sent to collections. 

I immediately inquired with XXXX, but they told me there was nothing that they could do, that it was too late. They admitted XXXX fault of their own and refused to provide any details to me at all about my account history. My jeopardy due to the lack of any timely correspondence from XXXX seemed to be of no concern to them. They admitted no error, but an error was clearly made on their part. 
And I continue paying the price to this day. It has already cost me hundreds of dollars in higher interest, money that I am being charged on other accounts because of the excessive XXXX hit to my credit rating from this single instance. 
I hope youll agree that this is unjust, and take appropriate corrective action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-26 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: NM

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief