vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have been receiving emails and phone calls since XX/XX/year> ..They are saying I'm in debt of {$5800.00} to XXXX XXXX XXXX have requested documents to verify why I am liable to pay this Sum and have received the run around

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: NE

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any nformation relating to a consumer to any consumer reportin gency if the person knows or has reasonablecausetobeliev that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-07 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: PNC Bank N.A.
State: MD

Complaint narrative:
I spoke with an executive today XX/XX/year>2025 and she informed me that theyll be sending a formal response stating that theyre not marking it as bank error despite of me having proof I got paid XX/XX/year>2025 in the amount of {$740.00} I believe, I did a couple transactions through XXXX XXXX that only equal to the amount of {$420.00}, that already got deducted from my account as well as a couple other transactions. I had another set of {$560.00} in my account I spoke to XXXX to see if that transaction would actually go through on my debit if I didnt have the money and they told me no that itll get declined and I also recorded the call as well to make sure that it was accurate. I informed PNC that therefore since its not getting fixed when its suppose to get fixed Ill be submitting another complaint because the excuse that I got still didnt match up to the error. Also, since I put in a complaint what they tried to do to be slick is erase my account so I cant provide the account number but I can provide the billing address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
A check was mailed by my bank to XXXX XXXX XXXX on XX/XX/year> for the full remaining balance of my credit card to be paid off. There was a promotional interest free period ending on XX/XX/year>. Their representatives and statement state to allow for XXXX business days for processing. With the check being mailed on XX/XX/year>, XXXX business days ( Comenitys XXXX ) would have made XX/XX/year> the end of the window. I called my bank who confirmed the payment went out on XX/XX/year> per their records and attached in files. I then called XXXX and their representative said to call back because they had not received the check and confirmed the address for payments to be received by XXXX matched the check. The did match. I called XXXX a few days later and another representative opened a dispute since XXXX was attempting to charge me the interest accrued during the promotional period. My check finally posted with XXXX on XX/XX/year>. On XX/XX/year> I called XXXX to attempt to verify when my check was post marked to have them honor that the check was mailed prior to the promotional period ending in the full amount. I spoke to a representative who then transfered me to a supervisor, who told me that they dont contract with the post XXXX. She was degrading and unprofessional. I informed her that I sent the full balance amount prior to payment being due and prior to the promotional period ending, without intent to get additional interest fees. I believe they were deceptive in posting the check, as it took them over a month to apply the check to the account, in order to gain additional payment and funds with the accrued interest. Additionally, I have never had a late payment for their business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a mobile deposit into chase bank and they closed my account and stated they would send out my funds via check once account was completely closed. This was early XXXX. I called XX/XX/XXXX asking when I would receive my funds. They said they were sent out XX/XX/XXXX so I should receive by end of business week XX/XX/XXXX. They did not come. I went into chase as instructed if they didnt come. XXXX basically said they will contact another department which basically told them they need to contact my check issuer to verify. They cant verify even though they were able to talk to my check issuer. My check issuer stated they dont verify via phone only email. XXXX cant do that but stated they will continue to hold my funds. Ive tried to give them verification by showing them where the funds came from which is my tax refund and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I used Remitly for transfer money to XXXX, but XXXX transferred the money to my account of XXXX bank and I dont authorize it, I tried to withdraw money from that bank it showed be frozen and cant be withdrawn to my Alipay, and they promised the money is safety but need me in person come back XXXX XXXX verify, it happened in XXXX, right now I checked the balance of that account that showed is XXXX, and I cant find any refunds and the money transactions record at XXXX XXXX just showed It happened a international transfer and the amounts, and cant find where the money gone, I though the company have inner relationship with XXXX government to scam American citizens money, I hope you help me to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Equifax. I have identified an inaccuracy that I have disputed with the collection agency and Equifax but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX placed on credit report Description : XXXX XXXX XXXX placed a wrongful collections on my credit report while the said debt was first in dispute. They also didn't notify the credit agencies that the debt is being disputed. I have put in a previous complaint with said company and they stated that they do not control the way in which consumer reporting agencies report the information furnished by XXXX XXXX. I have asked numerous times for certain information to validate the said debt and I still have not received all that I asked for. I keep receiving a generic response from Equifax saying that they have verified but never show any proof of verification. 

However, the agency has not provided satisfactory responses or corrected the inaccuracies. This complaint is based on potential violations of the following laws and regulations : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. XXXX. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. XXXX. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
This is a continuation and update to my ongoing complaint # XXXX. 
I respectfully submit this supplemental evidence in relation to my pending complaint against XXXX XXXX XXXX LLC ( XXXX # XXXX ), which concerns the erroneous reporting of a bankruptcy under my name. 

I have recently received a written response from Equifax indicating that they are unable to locate a credit file associated with my identity. This admission is particularly relevant and reinforces the substance of my original complaint for the following reasons : 1. Contradiction of Prior Reporting : Equifax previously reported a bankruptcy on my credit report, which remained for over XXXX year and XXXX months, causing extensive financial harm. Their current inability to locate any credit file under my name raises serious questions as to the accuracy and legitimacy of the bankruptcy previously reported. 

2. Failure to Maintain Reasonable Procedures : This inconsistency demonstrates a clear failure to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported, as required by 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

3. Implied Acknowledgment of Identity Error : The letter suggests that the bankruptcy may have been associated with a mismatched identity. If Equifax now claims that no file exists under my identity, it substantiates my claim that I was not the correct subject of the reported bankruptcy. 

Given the documented damages I have suffered including housing denials, excessive interest on financial products, and prolonged emotional distress I respectfully request that this supplemental evidence be added to my case and considered in evaluating the need for full remediation and accountability on the part of Equifax. 

Please add this to my complaint file. If any further documentation is required, I am happy to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I am very upset to see an unauthorized inquiry suddenly appear on my credit report this morning. I always keep an eye on my report, and Ive never seen anything like this. I refreshed the page multiple times hoping it was just a glitch, but the inquiry stayed. XXXX asking that the documents I submitted be reviewed immediately because this is seriously frustrating and I want it resolved without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I received a text stating that my payment is over due. I didn't open a new credit card. As it is I opened a loan to pay off existing debt not create new debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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 noticed this XXXX fraudulent account on my credit report! Can you please block remove under 605b please! Thank 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 explanation
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
I noticed this XXXX fraudulent account on my credit report! Can you please block remove under 605b please! Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC has faced numerous class action lawsuits alleging improper debt collection practices, including claims of inaccurate debt reporting, misleading information, and violations of the Fair Debt Collection Practices Act ( FDCPA ) LVNV FUNDING LLC is a debt-collection company that buys debts from lenders. LVNV partners with Resurgent Capital Services, a third-party debt collection, to manage purchased accounts and collect on these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I am filing a compliant bc my credit is reporting late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified, showing late payments. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC 1681 XXXX XXXX  must report accurate information under 15 USC 1681 i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-04-07 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: FL

Complaint narrative:
I am filing a compliant bc my credit is reporting late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified, showing late payments. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15USC 1681 XXXX XXXX  must report accurate information under 15 USC 1681 i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-04-05 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bilt Technologies, Inc.
State: CO

Complaint narrative:
Remaining balance payment was sent on XX/XX/year> and was processed by Built on XX/XX/year>. However, the payment has not processed by the credit card company as of this date XXXX. 

The charge off balance of {$680.00} is still showing on the company 's account as owing as well as the credit bureau even thought the payment was made and my checking account was deducted for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : PATHFWD/OPOR XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: AZ

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 account listed without my expressed written consent.

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 2025-04-05 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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