vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Called number on card to cancel. Was told the fee would be waived if I spent {$1000.00} in 3months and representative said I had 60 days to decide. I tried to cancel but i cant get anyone on the phone that i can understand or hear. Then i saw i was charged a late fee and interest so i paid the minimum to avoid an impact on my credit score and decided i would try against to cancel in a few days.

I called today.

When I called to cancel, I was on hold 15 and then the call was dropped.I called back and was on the phone for 15 minutes and could not hear the representative at all. I was finally transferred to another line and Ive been on hold more than 30 minutes. So far I have been on hold for 59 minutes and Im still waiting for a human being to answer. Now it just said my wait time is less than 15 minutes. 
This is beyond awful customer service. There is no other way to cancel a card other than wait on hold apparently for more than 1 hour.

They have charge me a late fee and interest because I can not get anyone on the phone to cancel this card.

Iam still holding and its now up to 1 hour and 3 minutes.

This seems like a fraudulent business practice geared to increasing fees by getting customers to give up and just pay for a card Someone just answered and i could not hear anything and the person just hung up on me.

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 2025-01-13 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: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I was sued by Portfolio Recovery Associates on XX/XX/XXXX over a XXXX XXXX XXXX XXXX account that went into default in XX/XX/XXXX, for {$8100.00}. I had disputed the total amount of the charges on XX/XX/XXXX after receiving a dunning letter from XXXX, and again in XX/XX/XXXX in response to a Notice of Intent to XXXX. XXXX did not send me XXXX  I requested and never answered my requests, but sued without validation in county court in XXXX, FL. 

I filed a XXXX XXXX XXXXXXXX XXXX and disputed the account again in the court documents. The dispute has been in XXXX in New York since XX/XX/XXXXXXXX XXXX XXXX  # XXXX, XXXX, XXXX XXXX Portfolio Recovery Associates , LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX. Ph : XXXX. 

XXXX is represented by third party attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Ph : XXXX XXXX. XXXX. Florida XXXX XXXX. XXXX. 

XXXX was unable to provide chain of title and proof of ownership. Attorney XXXX filed a forged XXXX XXXX XXXXXXXX XXXX XXXX agreement and a forged XXXX XXXX XXXX, that was digitally altered by copying and pasting my information on an old affidavit that was provided by XXXX  to XXXX for another lawsuit. 

XXXX paid arbitrator XXXX and XXXX  {$120000.00} to cover up the forged documents and enter an arbitration award in XXXX 's favor based on forged evidence and without proof of title to the debt. 

I had no other option but to file for Chapter XXXX Bankruptcy on XX/XX/XXXX to protect myself from a fraudulent award. XXXX is trying to get an award in excess of {$120000.00}, plus attorney 's fees- in the XXXX XXXX XXXX XXXX XXXX 

I had filed a complaint about this situation in XX/XX/XXXX but XXXX claimed they couldn't comment because of ongoing litigation. 

Now that the account is in bankruptcy there is no litigation anymore. XXXX and XXXX XXXX XXXX XXXX XXXX must explain why they allowed attorney XXXX to harrass me with forged documents for XXXX years. XXXX was alerted to the forgery in XX/XX/XXXX through XXXX  and in XX/XX/XXXX through my previous complaint with CFPB, but allowed XXXX XXXX to continue to harrass me with litigation. 

XXXX  and arbitrator XXXX took a large bribe from XXXX to rule in their favor although they know about the forgery since XX/XX/XXXX. 

XXXX had removed the account from all my credit reports in XX/XX/XXXX, hence they knew back then the account was defective and their information inaccurate, but they continued to litigate and arbitrate. XXXX pushed me in bankruptcy. 

XXXX XXXX was under federal investigation for corruption when she was a state court judge. She was supposed to be a neutral, but she regulary is requested by XXXX to arbitrate their cases in XXXX, fact that was not disclosed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victim of identity theft and inaccurate information. After reviewing my credit reported by Experian I noticed fraudulent accounts being reported, both the rental screening and consumer reports for XXXX XXXX XXXX XXXX XXXX, Under 18 USC 1028A aggravated identity theft is a crime. This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against Experian. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX ( XXXX XXXX ). Please remove these items. 
Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s- 2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) ; see FTC Report Number : XXXX See Report ID : XXXX ( XXXX attached images )

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 2025-01-13 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Dear CFPB Complaints Department, I am writing to formally file a complaint against PennyMac for mishandling my escrow account and subsequently reporting an inaccurate late payment to the credit agencies, which has unfairly impacted my credit report.

The issue arose after a shortage on my escrow account, which PennyMac failed to inform me about. I later learned that approximately {$2000.00} was marked as " suspended, '' as cited by a PennyMac customer service representative, instead of being applied to my mortgage payment. Additionally, I had recently changed home insurance providers during this period. However, the refund from my initial policy was never received or applied back to my account, further compounding the escrow shortage issue. 
Without prior notification or explanation about the escrow shortage or its effect on my payment status, PennyMac reported my mortgage as delinquent to credit agencies. This reporting is inaccurate, unfair, and has caused unnecessary harm to my credit standings.

Desired Resolution : I am requesting an immediate review and correction of the inaccuracies on my credit report. Specifically, I ask that CFPB require PennyMac to : Reverse the negative credit reporting and clear my record of any late payments related to this incident. 
Provide a full accounting of my escrow account and confirm the adjustment of the {$2000.00} suspension to the appropriate balance. 

Thank you for your attention to this matter. I trust your office will thoroughly investigate and assist in resolving this situation promptly. Should you require any clarification or additional information, I am available at XXXX and XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-13 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-13 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: WI

Complaint narrative:
Dear CFPB, I am writing to formally dispute the inaccurate information on my credit report maintained by XXXX, as required by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. I have previously disputed this information with XXXX, but they have failed to conduct a reasonable investigation and have improperly reinserted the inaccurate information onto my report. 

**Details of Dispute : ** 1. **Credit Report Information in Dispute : ** I dont know anything about these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and inaccurate late payments are being shown. 
XXXX. **Date of Dispute : ** XX/XX/year> XXXX. XXXX 's XXXX : ** XXXX conducted a sham investigation and failed to remove the inaccurate information. Instead, they reinserted the same inaccurate information after the dispute was resolved.

**Violation of FCRA Codes : ** 1. **Section 611 ( a ) ( 1 ) ( A ) : ** XXXX failed to conduct a reasonable investigation into my dispute, as required by FCRA [ 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) ].

2. **Section 611 ( a ) ( 5 ) : ** XXXX failed to provide me with a written notice of the results of the reinvestigation, including the business name, product, and the nature of the information upon which the reinvestigation was based [ 15 U.S.C . 1681i ( a ) ( 5 ) ].

3. **Section 611 ( a ) ( 6 ) : ** XXXX failed to remove or correct the inaccurate information from my credit report [ 15 U.S.C . 1681i ( a ) ( 6 ) ]. 

I request that the CFPB investigate XXXX 's practices and take appropriate action to ensure compliance with the FCRA. Additionally, I seek compensation for any damages incurred due to XXXX 's violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-13 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: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
I voluntarily returned the court to them because of all the problems that I had and they put the car off as a discharge so we should not be on my report. I owe nothing on this car anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had made a total of three payment in the amount of {$500.00} from my Chase Checking account through bill pay. 

XX/XX/year> - XXXXXXXX XXXX XXXX XXXX {$100.00} XX/XX/year> - XXXXXXXX XXXX XXXX XXXX {$200.00} XX/XX/year> - XXXXXXXX XXXX XXXX XXXX  I accidentally entered the wrong account number in the detail. These payment went to an unknow Chase credit card account. I asked Chase to reverse this transaction but they refuse to cooperate and return the funds. Since then I corrected the account number and have made subsequent payments to the correct Chase credit card. Chase has not returned the payments that were made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
On XX/XX/XXXX I used my cash app card and paid {$70.00} to wise.com. I used wise.com as the transaction coordinator to pay the merchant XXXX Buythefans.com is a social media smm panel. Wise.com is one of their accepted payment methods. I paid for a service called XXXX XXXX watch time hours. It is now XX/XX/XXXX and the watch time stopped at XXXX. I reached out to the merchant but they have not responded to me. I tried to do a dispute with both cash app and wise.com but they both denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
My credit report has been in a data breach and I wanted everything removed from my credit report in 3 days under 605 b law

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 2025-01-13 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

Company response to consumer: Closed with explanation