vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX CARD - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  XXXX - XX/XX/2024 XXXX - XX/XX/2024 XXXX  LL - XX/XX/2024XX/XX/year>

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 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Im being treated with malicious contempt and being taken advantage of by Bread Financial ( XXXX XXXX XXXX  ) issued by Comenity Bank. In XX/XX/XXXX I promptly closed my account after returning the one and only product that I purchased using the closed my XXXX XXXX XXXX XXXXt ) issued by Comenity Bank. In XX/XX/XXXX I was contacted by ( XXXX XXXX XXXX  ) issued by Comenity Bank saying that I owed a final balance of {$29.00} because they were making me pay for the return shipping, however I paid for the shipping myself at the USPS store. I knew then that the ( XXXXXXXX XXXX XXXX  ) issued by Comenity Bank was a scam and fraud so I paid the {$29.00} and verified that I had a XXXX balance on my account with the customer service representative who took my payment over XXXXhe phone. Durning the entire month of XXXXXXXX  I heard nothing from XXXX XXXX XXXX XXXX  ) issued by Comenity Bank and I didn't expect to ever hear from them again because my account was verified as closed with a XXXX balance. However on XX/XX/XXXX at XXXX I received a email from ( XXXX XXXX XXXX ) issued by Comenity Bank ask if I was receiving a tax refund this year so that I can pay them {$63.00} in late payment fees. I immediately contacted ( XXXX XXXXXXXX XXXX  ) issued by Comenity Bank customer service and asked to speak to a supervisor. I was transferred to XXXX a Senior Account Specialist and I explained, that I returned the one and only product that I purchased from XXXX and that I paid my final payment of {$29.00} and verified that I had a XXXX balance and that my account was closed. She responded that my since I closed my account ( XXXXXXXX XXXX XXXX ) issued by Comenity Bank can continue to charge me late payment fees even if I was never late paying. I respectfully disagree with XXXX and explained that I was never late paying, never received a statement nor notification that I was late paying and most important it's impossible to pay late in XXXX or XXXX because I had a XXXX balance and my account had been closed. Therefore, I sincerely believed that the Bread Financial ( XXXX XXXX XXXX ) issued by Comenity Bank business practice is a scam and a fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding inaccurate information on my credit report. TransUnion is currently reporting an account with an incorrect status, negatively affecting my credit standing. 

The account in question is listed under the following details : Account Number : XXXX Current Status : Charged off as bad debt Issue : The account is marked as charged off, yet it still reflects a past-due balance of {$720.00}. A charged-off account should not show a past-due amount, as it has already been written off by the creditor. This inconsistency is incorrect and misleading.

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 2025-02-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding inaccurate information on my credit report. TransUnion is currently reporting an account with an incorrect status, negatively affecting my credit standing. 

The account in question is listed under the following details : Account Number : XXXX Current Status : Charged off as bad debt Issue : The account is marked as charged off, yet it still reflects a past-due balance of {$720.00}. A charged-off account should not show a past-due amount, as it has already been written off by the creditor. This inconsistency is incorrect and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a concerning situation involving potential fraud or identity theft related to an Aspire credit card account that I do not recognize. 

On multiple occasions, I have received text messages from XXXX stating : " Aspire Alert : You Aspire Credit Card payment of {$60.00} was due on XX/XX/25. Immediate response needed. '' The message instructs me to call XXXX, which appears to be associated with Aspire Credit Card. However, when I call, I am immediately prompted to enter my full Social Security Number before being able to speak to a representative. 

I have never applied for, nor do I have, an Aspire credit card. This raises serious concerns that either : Someone mistakenly linked my phone number to their account, or An account was fraudulently opened in my name without my knowledge. 
I am unwilling to provide my Social Security Number over the phone to verify this claim, as it could be a phishing attempt. 

I am requesting that Aspire and any relevant regulatory bodies investigate this issue to determine whether : This is a fraudulent or mistaken account in my name. 
My personal information has been compromised. 
Aspires customer service practices are exposing consumers to unnecessary fraud risks by requesting full SSNs over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Around XXXX XXXX  on XXXX XXXX, I trued accessing my online account to access my account balance but the app was malfunctioning. When I called the toll- free number XXXX, the system will not allow me to access my information despite me verifying my identity. Also, I was put in hold for a long time so I was unable to access my account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 non-monetary relief
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened up a Checking and Savings account with Chase Bank from my computer on XX/XX/year>. I then linked my old Fifth Third checking and savings accounts and attempted to transfer {$10000.00} from my Fifth Third savings account and {$700.00} from my Fifth Third checking account to their respective Chase accounts. This was all done from my laptop. However, Chase Bank called me and informed me that my {$10000.00} transfer would not be permitted to go through. What I didn't realize though, was that the {$700.00} dollar transfer was permitted to go through. After the phone call from XXXX informing me of the denied {$10000.00} transfer, I physically went to my XXXX XXXX Bank and withdrew my funds ( {$21000.00} ), and closed the accounts. Then I physically went to my local Chase Bank and deposited the cashier 's check for the full amount I received from my closed XXXX XXXX accounts. The next day I saw there was {$700.00} dollars more in my Chase account ( {$22000.00} ) than I was supposed to have and realized what I had done so I immediately called XXXX to try and resolve the overdraft issue from my old Fifth Third account transfer. I explained the entire situation to the man on the phone as I explained it above so it's not like I was trying to hide anything from them. The man on the phone told me that it would eventually default back to XXXX XXXX, which it did. I also physically went into Chase Bank on that same day ( XX/XX/XXXX ) just to make sure, and the banker told me it should be fine I just needed to wait for the funds to settle at the end of the week. I received an email from XXXX that the {$700.00} was going back to XXXX XXXX on XX/XX/year>. Then a few hours later at around XXXX pm on XX/XX/XXXX, I received an email and notification that my account had been restricted for suspicious activity. I called XXXX the next day ( XX/XX/year> ) during their business hours and the people on the phone continually bounced me around to different " customer service specialists '' until they eventually hung up on me without helping at all. On XX/XX/year>, I went into a Chase Bank branch. I fully explained the situation to the banker, who then informed me that XXXX was closing my account for good and would be mailing me a check with the account balance ( {$21000.00} ) no more than XXXX business days from XX/XX/year>. I then waited XXXX business days before calling Chase Bank on XX/XX/year>. The person I spoke with on the phone informed me that my check had not yet been written or mailed. I decided to physically go to Chase Bank again to speak with the same banker on XX/XX/year>. The banker informed me that my check had not yet been written and could take XXXX months to arrive. This is much longer than the original 7 days they told me and I am sick of the continued lying I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account Reported by Columbia Debt Recovery Dear CFPB, I am writing to dispute the accuracy of information reported on my credit report regarding a collection account listed by Columbia Debt Recovery. I have identified discrepancies that I believe warrant correction or removal of this entry under the guidelines of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

Disputed Account Details : Creditor Name : Columbia Debt Recovery Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$3200.00} as of XX/XX/year> Original Balance : {$2800.00} Metro 2 Codes for Dispute : Code XXXX - Consumer disputes- Not his/her account : The account listed does not belong to me, and I request proof of any agreement that obligates me to this debt. 
XXXX XXXX - XXXX XXXX Account : If this debt has been purchased, please verify the chain of custody of the alleged debt and provide documentation proving I am the rightful debtor. 

I respectfully request that you investigate these claims and, if found to be inaccurate, promptly delete the erroneous entries from my credit report. Please provide me with the documentation, including any signed agreements, that verifies my responsibility for this debt. If such verification can not be provided, I request the immediate removal of this item from my credit report. 

Please send me confirmation that this dispute has been received, along with the results of your investigation, within the statutory timeframe of 30 days as prescribed by the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$230.00} into a XXXX XXXX ATM using my Cashapp card. I was able to put the money in the machine, but it declined transaction and gave me a receipt saying " We encountered a problem returning your cash ''. I called both places multiple times and they would not help me get my money back. Cashapp said there is no record of this transaction. XXXX XXXX advised to call Cashapp. No one is helping me get my cash returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-02-11 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding inaccurate information on my credit report. TransUnion is currently reporting an account from XXXX XXXX XXXX  with an incorrect status, which is negatively affecting my credit standing. 

The account in question is listed under the following details : Creditor : XXXX XXXX XXXX Account Number : XXXX Current Status : Charged off as bad debt Issue : The account is marked as charged off, yet it still reflects a past-due balance of {$590.00}. A charged-off account should not display a past-due amount, as it has already been written off by the creditor. This inconsistency is both incorrect and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: LA

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.

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 2025-02-11 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: LA

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.

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