vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I received a notification from Citibank asking me if I authorized a charge for {$450.00} at XXXX 's on my XXXX card. I replied to let them know that this was not my charge and they said they would have to cancel the card and send me a new card. However, the charge is still showing up on my account and they have denied my dispute. I have called Citibank XXXX XXXX and have been told they would reopen the dispute and look at the information again, but nothing has happened and the charge is still on my account. I have never used my Citibank XXXX card anyplace other than 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 2025-03-20 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: SC

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. As per the law they should be removed after I supply proof of who I am as well as a victim 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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American express cancelled my card after XXXX years.I was previously sent a letter involving disputes. I am XXXX and I can not go out much. I purchase on line which has disadvantages such as, receiving broken items, delivery problems or non delivery problems. XXXX XXXX are resolved in my favor. Additionally my XXXX XXXX wrongly went for high XXXX to XXXX because of XXXX is writting off a fully paid account where the end of lease charge was disputed. This was over XXXX  years ago, and disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. XXXX and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. XXXX that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: VA

Complaint narrative:
An unauthorized account/loan that has been opened in my name by my ex-husband while I was serving in the XXXX XXXX XXXX I was on XXXX at that time and did not provide consent for this account. I believe this account/loan was opened without my knowledge or consent, and I am concerned about the potential impact on my credit and financial standing. It has been affected my good character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported on my credit reports by the XXXX major credit reporting agencies ( Equifax, Experian, and TransUnion ). The Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), grants me the right to dispute any inaccurate or incomplete information on my credit reports. 

After thoroughly reviewing my credit reports from all three bureaus, I have identified several significant inaccuracies and discrepancies related to a charge-off reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). These discrepancies violate the FCRAs requirement for accurate, fair, and complete reporting. 

Nature of Inaccuracies Payment History Discrepancy : XXXX report indicates " No payment history available '', while another states " Youve made 73 % of payments for this account on time '', and a third states " Youve made 55 % of payments for this account on time ''. 
This conflicting information is misleading and inaccurate, and it violates the FCRAs mandate for consistent and accurate reporting. 

Last Activity Date Inconsistency : XXXX report lists the Last Activity Date as XX/XX/XXXX, another as XX/XX/XXXX, and the third as XX/XX/XXXX. 
These differing dates are problematic because they affect the statute of limitations and reporting period, directly impacting my XXXX XXXX. 

Charge-Off Status and Remarks : XXXX report shows " Profit and Loss Writeoff '', another shows " Charged Off Account '', and the third states " Unpaid Balance Reported As A Loss By XXXX XXXX ''. 
These inconsistencies create confusion and harm my creditworthiness. 

XXXX and XXXX XXXX : XXXX reports indicate 0 % left to pay, while the third report shows 73 % left to pay. 
This inconsistency significantly affects my financial profile and credit utilization ratio. 

Payment Calendar Inconsistency : The second report ( 73 % on-time payments ) shows significantly fewer missed payments compared to the third report ( 55 % on-time payments ), where several months are marked as XXXX, XXXX, XXXX, and XXXX days past due. 
These conflicting calendars create substantial inaccuracies, and it is unfair to report different payment timelines for the same 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 non-monetary relief
Consumer complaint received 2025-03-20 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, Has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the illegal and unlawful reporting of my credit information by Toyota Financial Services. Despite my consistent, on-time payments excluding XXXX late payments the company continues to falsely report a balance on my credit report that is grossly inflated, far exceeding what is owed. 

I have made multiple attempts to resolve this issue directly with Toyota Financial, including sending XXXX formal letters ( XX/XX/XXXX, and XX/XX/XXXX ) demanding correction of this discrepancy. My account, XXXX, opened in XX/XX/XXXX, clearly shows a balance that should be under {$500.00}, yet Toyota XXXX persists in reporting a balance exceeding {$7000.00}, which is completely inaccurate and in violation of federal law. 

I have also disputed this issue XXXX separate times with the credit bureaus, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but no action has been taken to correct the error. Toyota Financial has not responded adequately to my dispute and continues to maliciously report an inflated balance, which is not only misleading but also damaging my XXXX XXXX and financial standing. 

This egregious violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) is entirely unacceptable. The continued reporting of a falsely inflated balance has caused me significant harm, and Toyota Financials blatant disregard for my legal rights is appalling. I demand immediate action to correct this fraudulent reporting and ensure that the balance reported reflects the amount owed, which should be under {$500.00}. 

I request that the CFPB investigate Toyota Financials illegal practices, take appropriate enforcement action, and require them to remove the inflated balance from my credit report. Furthermore, I demand that Toyota Finance provide a clear and immediate explanation for their failure to correct the issue despite my numerous attempts to resolve this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will act swiftly to hold Toyota Financial accountable for its actions and to prevent any further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I did not authorize XXXX XXXX to sell or transfer my information to The Bureaus, I did not receive proof of purchase. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-20 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Had a Voluntary Repossession on a vehicle in XXXX, and it appears they started reporting late payments starting XXXXXXXX XXXX XXXX  3 years later. I was never notified of a balance or an agreement to a payment plan. I tried to obtain documentation on this debt and was never given information.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The balance owed is reporting inaccurately across all 3 credit reporting agencies for my Wells Fargo installment loan, acct XXXX XXXX XXXXXXXX. This is my second time addressing this issue, and I am entitled to an accurate and complete report. The balance left is {$11000.00}. I also notice my account was a credit sale. The dealership I got the vehicle from did not offer me an installment loan at all, and therefore the information is inaccurate and needs to be 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 2025-03-20 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: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a joint account with my ex wife. Later, I closed the account. Later, I attempted to open a checkings account and they denied me with out a reason. They just say because a previous incident. I continued to ask and the banker stated, that we deposited a check twice. Right before the separation and i wasn't aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I received a pop-up text message from Chase Bank that my accounts were overdrawn. I contacted Chase Bank at their XXXX number and spoke to a Chase Bank Representative that stated there was a legal hold placed on my account and my funds were locked. I was unable to use my funds. The Representative then transferred me to Chase Bank Legal Holds and XXXX Department. I then spoke XXXX in that department and he stated that he have NO information about the legal hold placed on all my accounts, ( these also include XXXX of my XXXX XXXX  accounts ). He also stated that Chase Bank does not have ANY legal documents and to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX for the documents. I then contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX sent me an email with these documents : Default Judgement, Order Appointing Receiver, and a Letter from XXXX XXXX XXXX. 

Prior to this I did not receive Default Judgement, Order to Appear in court or any type of legal document, I was never served for a default judgment for a XXXX XXXX XXXX XXXX. To date the funds in my Chase Bank account are still locked and I do not have access. 

Why would Chase Bank place legal holds on a customer 's account without proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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