vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Subject : Dispute of Fraudulent Account Due to Data Breach Dear Equifax, I am formally disputing the presence of an unauthorized account on my credit report, which appears to be the result of a data breach. The details of the fraudulent accounts are as follows : ALL ACCOUNTS LISTED IN MY PROFILE AS CLOSED ACCOUNTS Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ), I am entitled to accurate credit reporting and protection from fraudulent accounts. Specifically : 1. FCRA 15 U.S.C. 1681o Holds credit bureaus liable for negligent noncompliance when failing to properly investigate and correct errors.

2. FCRA 15 U.S.C. 1681n Imposes liability for willful noncompliance, including statutory damages, punitive damages, and attorneys fees.

3. CFPA 12 U.S.C. 5536 Prohibits unfair, deceptive, or abusive acts, including the failure to properly address and correct consumer disputes.

Requested Actions : 1. Conduct an Immediate Investigation Investigate this fraudulent account and remove it from my credit report.

2. Provide Written Confirmation I request a written response confirming the results of your investigation.

3. Ensure Full Compliance Failure to correct this error may result in legal action under the laws cited above.

Please complete your investigation within the required 30-day period and provide me with an updated credit report reflecting the necessary corrections.

If you require additional information, you may contact me at the phone number or email listed above. I appreciate your prompt attention to this serious matter.

I request that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Mercedes Benz Financial XXXX. 
The auto loan was not 30 days late in XX/XX/year>. This is not right because it was paid as agreed. Delete this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I reached out to Citi bank for them to complete a dispute for me to get my XXXX back for something I do not have and was advised by the manufacture of the company to call my bank and get a refund and Citi bank is refusing. I called and spoke to a Citi bank regular customer service rep then a manager and they are both refusing to assist me saying a check is like cash and they cant refund me but the money came out of my Citi bank checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: IA

Complaint narrative:
Here is the list of fraudulent inquiries : 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 2025-02-21 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: OH

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family

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 2025-02-21 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: OH

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family

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 2025-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cornerstone Holdings, Inc.
State: WA

Complaint narrative:
I went to the hospital and was told there was a charity fund that would be covering my visit. Now I have a bill in collections that I didn't even know was a bill, as I'd been told it would be handled. The lady over the phone told me I wouldn't be allowed to be seen at another hospital anywhere in the country until I paid my debt in collections ( that I didn't even know about ). How can a person not go somewhere meant for emergencies if they have a collections bill they didn't even know about until it went to collections because they were under the premise it would be handled by hospital charity funding?? I was lied to by the hospital, then harassed and threatened by the debt collector with no idea what was even going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

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 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Today, XX/XX/year> I paid via phone the full amount my XXXX 's Charge Card stated I owed, {$28.00}. I then called COMENITY Bank which issues this charge card for XXXX 's store to confirm my balance. They said I had a balance of {$28.00} with a payment pending from my bank for that amount. I asked if I could receive a letter stating my XXXX 's charge card account has been closed since XX/XX/year> and there is a zero balance on the account. The agent said they could not do that because there will be another charge of {$3.00} on next month 's statement for " future interest. '' I asked, " How can there be future interest on an account which has been closed for 2 months and which I have just paid in full? No coherent reply was received. I told the agent it seems as if spurious charges are being assessed on an account which has been closed for 2 months to generate bills each month on a closed account. How do I close this account once and for all if paying your bill in full this month will not accomplish this? No reply. 

I would like to know how to resolve this issue so I receive no further statements with charges after I have paid in-full a closed account? 

The attached XXXX 's XXXX statement has a statement on it that this account and card are " closed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently encountered an issue where Chase Bank closed my account without any justification. I received a phone call from Chase Bank on XX/XX/year>, regarding the account closure and Chase Bank said they are not able to provide reason why Chase closing our account. The money in my account was all legitimately earned, and they did not provide any evidence to prove otherwise, nor any reason for closing my account. This has caused significant inconvenience in my life in the XXXX, which is also unacceptable. Additionally, since the account was opened, the bank never contacted me or warned me about any potential issues with my transactions. There were no prior warnings or communications. I hope the Consumer Financial Protection Bureau ( CFPB ) can help me resolve this matter and communicate to Chase that such actions are not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.

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 2025-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid for a XXXX XXXX XXXX for my son. The payment was charged on a Care Credit card for a full year of service. My son requires XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 's recommended this XXXX XXXX for the XXXX XXXX XXXX XXXX. It was made very clear upfront that this treatment is a huge commitment because he would require treatment until XXXX XXXX XXXX My son is currently in XXXX and he began treatment when he was XXXX. We are in the middle of year XXXX of treatment and my last visit with the doctor did not go as anticipated. I was under the impression when we renewed the program continuance in XXXX that this was a XXXX month follow up, however when I brought my son to the office, the doctor was charging for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The management program typically includes rXXXX XXXX XXXX to monitor his progress and ensure his lXXXX XXXX XXXX were well maintained. 

I questioned the necessity of this XXXX XXXX, believing it was meant to be a follow-up for XXXX XXXX XXXX  XXXX clarified that this appointment was classified as an annual XXXX XXXX not related to XXXX XXXX. He informed me that if I didnt want to pay for the aXXXX XXXX, I would need to explore new XXXX options. Moreover, he mentioned there was no need to follow up on XXXX XXXX  unless we observed specific issues. This was surprising, as he had seen my son several times during the first year to monitor the effectiveness of the treatment. 

Because I questioned this XXXX XXXX which was an additional out of pocket expense that the doctor now requires, he did not appreciate my concerns. Now, midway through the second year of his treatment, I received a letter from XXXX XXXX stating that our services were being discontinued, citing, When trust is lost, it is time to part ways. 

Its disheartening to feel that my concerns were handled unprofessionally, especially given the substantial costs paid upfront. Over the years, I have invested thousands of dollars in care with this doctor. To receive a letter terminating care for my son while he is in the midst of his XXXX XXXX reflects a troubling level of professionalism and commitment to patients. And now I must find a new doctor who will accept my son midway through his XXXX year of treatment. 

Because we paid him in XXXX for XXXX  months of eye care and now he is refusing care after XXXX months I would like to be reimbursed or prorated so I can move my son to another XXXXe doctor. XXXX XXXX is refusing service and did not prorate me for services paid that he will now not complete How can I get charges back to my Care CreditXXXX XXXX card? Charged XX/XX/XXXX {$1200.00}. Services terminated by doctor on XX/XX/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 monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
Safco ( .. ), by giving away private consumer financial information to a third party debt collector, causing to my image in society. 

( XXXX.1 ) -without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney. ). 

,,.. 

I XXXX XXXX know my rights and I call upon,. 
. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CO

Complaint narrative:
The payment history date being reported on Transunion is incorrect by more than XXXX years. The last payment date for credit card with XXXX XXXX XXXX XXXX XXXX XXXX. I reported to transunion that this should fall off of my account now that it's been XXXX years. I filed a dispute. Transunion investigated the dispute and still reported it as XXXX wich is incorrect. I am filing this report against the XXXX XXXX XXXX XXXX for reporting incorrectly to the credit agencies when the last payment was made.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to XXXX ( b ) ( 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
I received a SPAM call from XXXX. First off, the caller did not identify themselves and they pronounced my name incorrectly. Secondly, they stated the call was being recorded but did not state they were calling from a collection agency. Thirdly, the caller said that I owed a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My last physician visit in XXXX XXXX  was in XXXX. Beginning in XXXX I started receiving my care XXXX a physician located in XXXX XXXX and their billing department will send me a text notification first regarding any pending charges after my insurance has paid the claim and then they provide me with a paper statement via US mail. All other correspondence from my provider and their billing department are sent to me through the mail. Not once have I received a phone call asking for money, until today. 

I told them that I never receive phone calls from any of my providers or from their billing companies and that I actually had to send a photocopy of the front and back of a check that I had used to pay one of my visits with in XXXXXXXX XXXX XXXXXXXX They wanted to know the date and address of where I sent the photos. If they were actually working for thXXXX XXXX XXXX XXXX XXXXhat they said they were, they would be able to see the document in my account. 

That's when I knew my suspicions that they were a scam were a reality. When I asked the caller if they were trying to scam me for my money, they became very rude and demanded that I verify my date of birth. They knew the year that I was born but they did not have information regarding my birth month and date. When I called the number back ( see above ) the recording stated I had called Transworld Systems Incorporated. and when I looked them up on the internet, the company was listed as a scam and there were multiple, multiple complaints from people that had experienced the same thing I am reporting today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was charged a {$10.00} fee for cashing a check XXXX  on an account at the institution. I am not an account holder at the institution and feel as though the fee was punitive for not being an account holder, and I had no other means by which to cash the check

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 2025-02-21 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: MI

Complaint narrative:
Account from XXXX XXXX had been added to my credit report that should not be on my credit, I never had a lease for a vehicle with them or for any vehicle. I have owned every vehicle I ever had in my possession.

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