vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-02-27 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-02-27 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously disputed the bankruptcy reporting on my credit file, and the bureau has verified it as accurate. However, I am submitting this follow-up request for further clarification on the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a checking account with Wells Fargo, I woke up today XXXX the XXXX to check my account and noticed that I had a negative balance of - {$39.00}. Wells Fargo has also emailed me about this. I had money in my account but it turns out they did a credit provisional reversal on my account. I do not understand why. I had enough funds in my account and have never gone below {$0.00}.

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 2025-02-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had my account with Synchrony Carecredit for at least XXXX years and just this year my credit limit was increased from XXXX to XXXX. In XXXX of this year, I made a payment of XXXX on their website before the due date. However, when it tried to come through my bank account, there wasn't enough funds to cover it. So I deposited money to cover it but it was returned and didn't go through. So I paid the due amount of XXXX again and called Carecredit to explain what happened. They at that time didn't see any issues on their end. Then after I made the payment, Carecredit tried to pull out the exact payment for a second time of XXXX. I couldn't afford to have XXXX payments of XXXX come out so I called my bank to put a stop on one of the payments of XXXX. Well my bank ended up stopping all payments to Carecredit. I had to call my bank again to lift this stop they had put into place as that's not what I wanted. I ended up having to wait to make sure Carecredit didn't try to pull out multiple payments of XXXX. Then I ended up making the payment again of XXXX and this time it went through. I called Carecredit concerned that this XXXX late payment would mess up my promotions on my Carecredit card. The person I spoke to at Carecredit assured me that it would not cause any problems and that my account was in good standing. I'm actually pretty sure my increase from XXXX to XXXX came after all this. So XXXX my surprise when I receive a letter in the mail this week saying my Carecredit account with an XXXX limit had been closed! I called Carecredit again and the agent was useless stating that I had XXXX failed payments. There was no one else to talk to and the agent didn't have the authority to make any changes even though I tried to explain to her what happened. I also have XXXX other Synchrony accounts open. Both have XXXX balances! So why would Carecredit close my account? The agent at Carecredit said I could reapply which I did and they denied me a new Carecredit account. So I've been working very hard to improve my credit and I also need to buy a new car soon and need a good credit score to get good financing. Imagine what a closed XXXX credit card is going to do to my credit score! This is what I get for being a loyal and hard working customer to Carecredit and Synchrony. This is very sad since I've given them so much business and they've made a lot of money in interest from me. I hope someone can look into this as I have to lose so much from something I was assured was ok by a Carecredit phone agent.

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 2025-02-27 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
many calls at random times by different companies for the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-27 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: SC

Complaint narrative:
I want to make it abundantly clear that I have no knowledge of this account, nor do I have any relationship with the creditor listed. This account is entirely unfamiliar to me, and there is no legitimate reason for it to appear on my credit report. It is clear that this entry is the result of a mix-up or an error that has caused my credit information to be confused with someone elses.

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 2025-02-27 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: AL

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 explanation
Consumer complaint received 2025-02-27 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: GA

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 trafficking according to Trafficking-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 XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/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 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was having financial hardship they put me on a pa! ment plan and I. An no longer pay. I got a helock loan and was offered a settlement took it got the loan a d with the balance proceeds I paid them off the settlement agreement of {$5300.00} which I paid on XXXX. After llmy loan docs we signed I was given xhecks to pay off all the creditors and by this time my lender cut a check for {$6800.00} which I was told to send to my creditor and they would reimburse me since I already paid it or else we would hVe to redo the loan. At this time I have already called over 100 times sent emails now. Was told to request in in writing just got a letter stating that I need to call. No one can help me because they closed my loan. I need help getting my refund for over payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-27 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:
I review my credit reports and I saw a instances of late payment on an account for which I have always maintained timely payments. consumer reporting agencies play a crucial role in accurately reporting consumer information it is imperative that this information be reported with utmost accuracy I have never missed a payment on the following account XXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements demonstrating the lateness of these payments. if unable to furnish such as statements proof I demand that these payments be promptly updated to reflect their true status as on time as I have consistently upheld my payment obligations without delay

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Had a irs refund deposit {$3300.00} returned on XX/XX/XXXX as it had my name and my wife 's name on the return. My name is on the account. They claim that it was returned because my wife 's name was also on the return. There's no policies in place at chime for this matter. As for chime they said there's nothing they can do. I asked to file a complaint and was told good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to currently express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting, discrepancies my financial institution as Zelle failed to investigate my claims adequately. They informed me that recovery loss funds. Was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not. Only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency. Is unacceptable and raises serious. Concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I don't remember that exact amount that I was charged but I was scammed by Wells Fargo

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 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was going over my credit report and noticed that there is incorrect information on my credit report. I dont know how come there is missed payment. It must be a system mistake, I make all my payments in time. Please correct the information on my credit report. I have good standing credit history with you! 

1. NAVY FEDERAL CR UNION Opened XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is refusing to further investigate the error that is now showing on my XXXX mortgage payment for XXXX XXXX XXXX. Originally XX/XX/year> was reported 30 days late. This error was disputed and updated as it should have been. Then within 30 days XXXX was reflecting the same late payment. XXXX was NOT paid 30 days late either! XXXX was disputed and updated because it was paid in time and XXXX was proven to be paid in time as well. Upon contacting XXXX I was informed that the XXXX error was being reported in XXXX because they did not report it in time to show in XXXX. This is a false statement. The error appeared for XXXX hence the initial dispute. XXXX is refusing to personally admit their error and has provided a statement that is full of lies or false information. A mortgage company can not intentionally report an error that has already been disputed and updated on my credit report just the harm my credit, yet this is exactly what they have done. Additionally, mortgage services must comply with federal rules and it states that my credit report should be protected from errors. If an error is reported to your servicer regarding a payment dispute, your servicers is not allowed to send negative information to credit reporting company regarding that payment for 60 days after receiving notice of the error. The same error was reported less than 30 days apart. Proof is attached. XXXX is in violation of that law as well as I have proven that my payments are not being credited to my account until after they have cleared my Regions account. This is also an error as payments are to be credited as of " date of receipt ''. Since XX/XX/year> they have failed to properly credit my account and this is why XXXX had to be disputed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
Ive sent out letters to this company for having false information on my report and unverifiable information. They never investigate and keep it on my report as remains.

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 2025-02-27 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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