vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I had a credit card that was charged off. Portfolio Recovery Associates LLC, bought the debt. They have never provided any information proving they have a contract with me and that I owe them anything. I've requested from their attorney the following documents : 1. Forward flow Agreement 2. Chain of Assignment 3. Purchase Agreement 4. Insurance Claim of Debt 5. My signature Agreeing to Pay. My request was ignored. The attorney didn't show up to court the case was dismissed and his motion to reopen was denied. They refuse to remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
XXXX CASE SUBJECT : Bethpage credit union CASE DESCRIPTION : On XX/XX/year> at around XXXX to XXXX XXXX  I made a deposit at Bethpage 's credit union in XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX there atm deposited XXXX. In cash/promissory notes and they did not provide my account the credit on that day .on XX/XX/year> a dispute was filed under Dispute claim XXXX XX/XX/year> the gave a previsional credit to my account in the amount of {$750.00} however the XXXX was not credited even though the atm deposited it along with the {$750.00}

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX HAS ADDED A DISPUTE TO MY ACCOUNT THAT EFFECTED MY XXXX XXXX, I CALLED XXXX SEVERAL TIMES THEY TOLD ME THERE IS NO DISPUTE ON MY ACCOUNT, THEY HAD ENSURED ME THAT THEY REMOVED THE INCORRECT REMARK ON MY ACCOUNT, YET TILL TOAY 4 MONTHS LATER THE REMARK HAS NOT BEEN REMOVED.

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 2025-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-14 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX 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 2025-02-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX 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
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I visited the Suncoast Credit Union branch located at XXXX XXXX XXXX, XXXX, FL XXXX to open a business account for XXXX XXXX XXXX. I provided all required documentation, including identification and business registration documents, as per Florida law. However, the branch representative XXXX XXXX XXXX insisted that I provide bylaws and official minutes, which are not applicable to a sole proprietorship. 

She stated that Suncoast Credit Union does not distinguish between XXXX XXXX XXXX XXXX, and that XXXX XXXX are only for licensed professional associations, requiring a professional license to open an account. This is incorrect information, as XXXX XXXX do not have bylaws or official minutes, nor do they require a professional license unless operating in a regulated profession. 

When I questioned the request, she escalated the issue to a Sr. Business Services representative named " XXXX XXXX  , who was supposed to call me to explain but did not provide a resolution at the time. This entire process took an unnecessary amount of time, and I waited a long time in the lobby only to be given incorrect and misleading information about Florida business structures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$450.00} Terms - On record until XX/XX/XXXXXXXX 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 2025-02-14 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: TX

Complaint narrative:
Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$450.00} Terms - On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
Subject : Dispute Letter Under 15 U.S. Code 1681o ( Civil Liability for Negligence ) Against Equifax, Experian, and TransUnion To Whom It May Concern, I am writing to formally dispute the negligence of the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate information on my credit report and to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds them civilly liable for negligence. 

Despite my repeated efforts to correct inaccurate information on my credit report, the credit bureaus have failed to take appropriate action to rectify these errors. The following issues constitute their negligent handling of my credit information : Failure to Ensure Maximum Possible Accuracy : The bureaus have continued to report incorrect information, causing significant damage to my credit profile and financial well-being. 

Failure to Conduct a Proper Investigation : Despite my prior disputes and the submission of supporting documentation, they have failed to conduct a thorough investigation or correct the inaccuracies.

Failure to Respond in a Timely Manner : My requests for corrections have either been ignored or inadequately addressed within the legally required timeframe.

Resulting Financial and Emotional Harm : Due to their negligence, I have suffered financial loss, increased interest rates, denied credit opportunities, and emotional distress.

Pursuant to 15 U.S. Code 1681o, I am requesting the following remedies : Immediate correction of the inaccurate information on my credit report. 

A thorough reinvestigation of all disputed items, ensuring compliance with FCRA guidelines. 

Compensation for the financial and emotional distress caused by their negligence. 

Please consider this letter as a formal complaint and demand for resolution. If the CFPB does not take appropriate action, I am prepared to escalate this matter through legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
Subject : Dispute Letter Under 15 U.S. Code 1681o ( Civil Liability for Negligence ) Against Equifax, Experian, and TransUnion To Whom It May Concern, I am writing to formally dispute the negligence of the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate information on my credit report and to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds them civilly liable for negligence. 

Despite my repeated efforts to correct inaccurate information on my credit report, the credit bureaus have failed to take appropriate action to rectify these errors. The following issues constitute their negligent handling of my credit information : Failure to Ensure Maximum Possible Accuracy : The bureaus have continued to report incorrect information, causing significant damage to my credit profile and financial well-being. 

Failure to Conduct a Proper Investigation : Despite my prior disputes and the submission of supporting documentation, they have failed to conduct a thorough investigation or correct the inaccuracies.

Failure to Respond in a Timely Manner : My requests for corrections have either been ignored or inadequately addressed within the legally required timeframe.

Resulting Financial and Emotional Harm : Due to their negligence, I have suffered financial loss, increased interest rates, denied credit opportunities, and emotional distress.

Pursuant to 15 U.S. Code 1681o, I am requesting the following remedies : Immediate correction of the inaccurate information on my credit report. 

A thorough reinvestigation of all disputed items, ensuring compliance with FCRA guidelines. 

Compensation for the financial and emotional distress caused by their negligence. 

Please consider this letter as a formal complaint and demand for resolution. If the CFPB does not take appropriate action, I am prepared to escalate this matter through legal channels.

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 2025-02-14 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: CO

Complaint narrative:
They continue to show Prestige Financial as an open account past due which is incorrect Ive had my titles for months this has been paid of they say contact car company which I did and I can prove I have the title and should be closed but that is not the case and they will not fix it. They have a practice of purposely showing everyone information incorrectly and always XXXX late date in their reports. It not right they continue to provide misleading information I want all my information with Credit Karma corrected immediately.

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 2025-02-14 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-14 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: CA

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

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 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
I would like to file a complaint against this company : Fay Servicing Services XXXX Customer Service ( XXXX ) XXXX The incident was on XX/XX/year>, around XXXX XXXX on the phone with customer services. 
I called the customer service number inquiring about the double charge for my monthly home mortgage. The agent from the customer service department who was on the phone with me refused to work with their customer support to request a refund for me. She asked me to email customer support myself even when she could verify the double charge on her system. Also, she is acting as a XXXX when she realized my accent on the phone. When I requested her to talk to the XXXX, she put me on long hold and came back to say, " All managers are busy. And they will say the same as I did, '' without giving me an option for them to call me back or any other options to solve the problem. I believe I have the right to talk to the XXXX as a customer, and that lady expressed racism to me without helping me solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: PA

Complaint narrative:
Hunter Warfield Inc. states XX/XX/year> and account was open with them for the amount of that I have no knowledge of. I have no contractual agreement with them and this goes against my constitutional rights USC 15 262.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX  ) as supporting evidence of my identity theft claim. Pursuant to 15 U.S.C. 1681c-2, when a c
onsumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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