vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My monthly payment of {$2000.00} for XX/XX/XXXX was paid on XX/XX/XXXX. I received notification in early XXXX from the company that my payment was late and that I would be charged a late fee of {$25.00}. When I inquired, I was told that this is the company 's policy. The company removed the late fee when I asked. I was informed by the company that the late payment had been automatically reported to three Credit Bureaus. I believe that the company 's policy is unjust. The company is Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: T.S. Holdings
State: IL

Complaint narrative:
Iq international data reporting inaccurate information. According to fair credit reporting act. Fcra section 605B. It is illegal to report illegal information on credit report without my permission. Please remove this item off my credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
ON XX/XX/year>, I, XXXX XXXX XXXX, SUBMITTED A DISPUTE VIA TRANSUNION 'S WEBSITE. IN THE DISPUTE, I SPECIFICALLY STATED THAT IF THE ACCOUNT IN QUESTION WAS VERIFIED, PROVIDE TO ME ANY AND ALL DOCUMENTS USED TO VERIFY THE ACCOUNT. ON XX/XX/year>, I RECEIVED RESULTS FROM TRANSUNION THE ACCOUNT WAS VERIFIED BUT THE CRA DID NOT PROVIDE THE INFORMATION I REQUESTED. INSTEAD THE CRA SIMPLY SAID THE ACCOUNT WAS VERIFIED. BY NOT PROVIDING ME WITH THE REQUESTED INFORMATION, TRANSUNION IS IN VIOLATION OF 15 USC 1681g.

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 2025-01-29 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX to settle my debt. They agreed to a specific settlement amount and a payment deadline. However, when I requested written confirmation via email or any other method, they repeatedly told me they could not send it. 

After escalating my request to a manager, XXXX XXXX, he informed me that they could send a letter, but it would take several days to arrive. At the same time, he stated that the settlement agreement would require payment that same daymaking the written agreement useless by the time I received it. 

I called back the next day on XX/XX/year>, and was given the same response. Without a written agreement, I can not proceed with the payment, as I have no documentation to confirm the agreed-upon terms. Their refusal to provide written confirmation is preventing me from resolving my debt, which I am willing and prepared to do. 

I believe this practice is unfair and deceptive, possibly violating the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines by : Failing to Provide Written Confirmation Refusing to send a written agreement before requiring payment. 
Engaging in Unfair or Deceptive Practices Insisting on immediate payment without allowing verification of the terms.

Using Pressure Tactics Offering a written agreement that would arrive too late to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a letter from the social security stating that I owed money because they overpaid me they sent me papers on why I was overpaid it was said that I had a savings account with Wells Fargo that I never reported those wages I contacted Wells Fargo asking them for information when how why was the savings account open in my name they had no answers for me stating that they didn't have records of the information since it had closed the account several years ago I contacted them again telling them that I needed some record so I could prove to social security that it wasn't me again they told me to file the identity fraud report I did the police getting back to report stating they had no information on whether there was a prime or not now the social security is trying to make you pay them {$22000.00} but obviously I do not have if you could please look into it I need this investigated thank you so much

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 2025-01-29 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX has two charge off accounts showing on credit file. I have requested 1099C for both accounts. They are being reported incorrectly.

The charge-off account in question has negatively impacted my credit score and financial wellbeing. I have made multiple attempts to resolve this issue directly with XXXX XXXX, providing documentation and explanations regarding the inaccuracies associated with this account. Despite my efforts, they have not rectified the reporting, and I believe it fails to meet the standards set forth by the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

Under 15 U.S. Code 1601, consumers are entitled to fair and accurate credit reporting. The presence of this charge-off on my credit file is not only damaging but also inconsistent with the principles established under this code. I request that the CFPB investigate this matter and take appropriate action to have the charge-off account 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 non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX has two charge off accounts showing on credit file. I have requested 1099C for both accounts. They are being reported incorrectly.

The charge-off account in question has negatively impacted my credit score and financial wellbeing. I have made multiple attempts to resolve this issue directly with XXXX XXXX, providing documentation and explanations regarding the inaccuracies associated with this account. Despite my efforts, they have not rectified the reporting, and I believe it fails to meet the standards set forth by the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

Under 15 U.S. Code 1601, consumers are entitled to fair and accurate credit reporting. The presence of this charge-off on my credit file is not only damaging but also inconsistent with the principles established under this code. I request that the CFPB investigate this matter and take appropriate action to have the charge-off account removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX has two charge off accounts showing on credit file. I have requested 1099C for both accounts. They are being reported incorrectly.

The charge-off account in question has negatively impacted my credit score and financial wellbeing. I have made multiple attempts to resolve this issue directly with XXXX XXXX, providing documentation and explanations regarding the inaccuracies associated with this account. Despite my efforts, they have not rectified the reporting, and I believe it fails to meet the standards set forth by the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

Under 15 U.S. Code 1601, consumers are entitled to fair and accurate credit reporting. The presence of this charge-off on my credit file is not only damaging but also inconsistent with the principles established under this code. I request that the CFPB investigate this matter and take appropriate action to have the charge-off account 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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: MI

Complaint narrative:
I got a phone call today which is probably my seventh or eighth from the same phone number and when I answered the call the person on the phone asked me for my Social Security number which I would not give her and then she hung up on me. I then proceeded to call the phone number back to find out the companys name and what their issue is with me and ask them to stop calling me and put everything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX date, I opened a Citi Regular Checking account because Citi Bank offers {$450.00} welcome bonus for new customers. My husband set up direct deposit to fulfill the requirements to receive the welcome bonus. However, after several rounds of direct deposit, Citi Bank blocked my account with no reason claimed and informed me to wait for 60 days to receive the final results with one mail letter. Until today ( XX/XX/XXXX ), they never contacted me through any means. 

I contacted them and went to the branches for a lot times, but nothing made change. Today, I called again and was informed that my account was determined and no check will be sent out as the account balance is XXXX! This is 100 % lie! 

I have spent a ton of time and effort to solve this problem, but they still trying to fraud me with my money! This is not a thing that a bank fraud department should do!

Now, all of my money was withhold by Citi Bank and the {$450.00} bonus was neither received. This issue severly impacted me and my family during these 3 months.

Thus, here I seriously request : 1. Citi Bank reopens my Citi Regular Checking account or provides reason and evidence that I violated the client manual.

2. Citi Bank returns all my money immediately.

3. Citi Bank pays the {$450.00} welcome bonus, since I have fulfilled the requirements to receive the bonus.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have sent funds to a wrong number and was not able to retrieve it back if the person I sent it to dis not send it back and now I see they give you a pop up to confirm the name about a year so ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Early Warning Services, LLC
State: NH

Complaint narrative:
I am writing to formally request a copy of my Early Warnings consumer report as permitted under the Fair Credit Reporting Act ( FCRA ). 

For verification purposes, I have attached copies of my government-issued ID and proof of address. Please let me know if any additional information is required to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
IN XXXX OF XXXX, ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2300.00}. 

IN XXXX OF XXXX, ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2200.00} IN XXXX OF XXXX, ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME REGIONAL FINANCE, HAS AN OUTSTANDING BALANCE OF {$3100.00}. 

IN XXXX OF XXXX ON MY XXXX, TRANSUNION AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$920.00}. 

IN XXXX OF XXXX, ON MY XXXX, TRANSUNION, AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$880.00}, IN XXXX OF XXXX A BALANCE OF {$820.00}. 

I HAVE DISPUTED THESE ITEMS NUMBEROUS TIMES AND SENT SEVERAL DISPUTES. 

THESE COMPANIES ( XXXX, TRANSUNION AND XXXX ) IMPROPERLY OBTAINED AND USED MY CREDIT REPORT FOR PURPOSES NOT AUTHORIZED BY LAW. I DID NOT AUTHORIZE NEITHER OF THESE COMPANIES TO ACCESS MY CREDIT REPORT. THE UNAUTHORIZED USE OF MY CREDIT REPORT IS A SERIOUS VIOLATION OF MY PRIVACY RIGHTS AND THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
IN XXXX OF XXXX, ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2300.00}. 

IN XXXX OF XXXX, ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2200.00} IN XXXX OF XXXX, ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$3100.00}. 

IN XXXX OF XXXX ON MY XXXX, XXXX AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$920.00}. 

IN XXXX OF XXXX, ON MY XXXX, XXXX, AND EXPERIAN CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$880.00}, IN XXXX OF XXXX A BALANCE OF {$820.00}. 

I HAVE DISPUTED THESE ITEMS NUMBEROUS TIMES AND SENT SEVERAL DISPUTES. 

THESE COMPANIES ( XXXX, XXXX AND EXPERIAN ) IMPROPERLY OBTAINED AND USED MY CREDIT REPORT FOR PURPOSES NOT AUTHORIZED BY LAW. I DID NOT AUTHORIZE NEITHER OF THESE COMPANIES TO ACCESS MY CREDIT REPORT. THE UNAUTHORIZED USE OF MY CREDIT REPORT IS A SERIOUS VIOLATION OF MY PRIVACY RIGHTS AND THE FAIR CREDIT REPORTING ACT ( 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be ine ccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agenc Prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall - ( promptly delete that item of information from the ifle of the consumer or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove and delete the following items from my credit report, immediately Accounts : XXXX XXXX XXXXXXXX XXXX XXXX ( which are on the banned Debt XXXX list from the federal trade commisions ) XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) 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

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 2025-01-29 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be ine ccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agenc Prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall - ( promptly delete that item of information from the ifle of the consumer or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove and delete the following items from my credit report, immediately Accounts : XXXX XXXX XXXXXXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) XXXX XXXX XXXX XXXX ( which are on the banned Debt Collectors list from the federal trade commisions ) 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief