vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX were sent to the account below : Portfolio Recovery Assoc. 
Acct : XXXX Balance : {$530.00} The account above was fraudulently opened. I am a victim of identity theft. I have sent the company a copy of my identity theft report along with the police report. I have spent time typing out letters to send both the company and the XXXX major credit bureaus as well. I have spent time going back and forth to the post office and also finding errors on my credit report. I took time to call all XXXX major credit bureaus multiple times. I took time filling out envelops, printing documents, and sending dispute letters. I also took time filling out certified mail forms and waiting at the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified 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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I received a message from Wells Fargo stating that someone was trying to withdrawal {$2000.00} and {$1000.00} from an ATM, at that time I called and got the transaction stopped. While looking at my account I noticed that there was a withdrawal from my XXXX account for {$4900.00} labeled as XXXX XXXX in branch at XXXX XXXX  The ATM withdrawal attempts were within XXXX minutes of the {$4900.00} withdrawal. I immediately submitted a claim as that was not possible, my wife and I are the only ones with access to the funds and neither of us removed any money from the bank nor have we ever withdrawn anything near that amount. Very concerning that someone was able to walk into the bank with ( obviously ) stolen information and there was no further questioning of withdrawal based on previous trends. I submitted a claim the morning of XXXX. On XXXX I called for an update and they told me my claim was being changed from check fraud to eproducts. I didnt hear anything for XXXX weeks, so on XXXX I called and they told me that my claim had been denied due to someone using the debit card and PIN number associated with your account. Which isnt possible as I still have the card on my person and have not shared my pin with anyone. My latest communication is that someone from the executive team should reach out to you in XXXX hours, but on our end the claim is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a care credit account. I'm paying {$650.00} per month on a balance that says it's {$11000.00}. I have been paying this high amount for quite sometime. There are several promotions that have a deferred interest rate if not paid by the due day. As I went through each one, it's showing that the balance actually owed is {$6300.00} give or take a few XXXX dollars. These amounts include what's to be added if I don't pay the promotions by the due date. Either way I add it, nothing adds up to the {$11.00}, XXXX. when speaking with someone, it's always someone foreign and they don't seem to fully understand what I'm saying. Interest can't be charges ahead of time If I pay a debt off. I'm willing to fulfill my obligations but this is definitely not adding up.

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 2025-02-25 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:
Subject : Formal Complaint Against TransUnion for Inaccurate Collection Account Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion for their continued failure to remove inaccurate collection accounts from my credit report. Despite my disputes, TransUnion has persisted in reporting erroneous collection accounts that I have repeatedly challenged. 

TransUnion continues to claim that the following accounts have been " verified, '' yet they have failed to provide any substantive proof of verification, such as original creditor documentation or account agreements : XXXX Reported with no account number, only a balance of {$1200.00}. 

XXXX XXXX XXXX XXXX. Reported with no account number, only a balance of {$27000.00}. 

The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information. By failing to provide verification details or remove the inaccurate information, TransUnion is in direct violation of : 15 U.S.C. 1681e ( b ) Failing to maintain accurate consumer reports. 

15 U.S.C. 1681i ( a ) Failing to conduct a proper reinvestigation of disputed information. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete inaccurate or unverifiable information. 

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which entitles me to damages. 

As a result of this inaccurate reporting, I have been unfairly denied credit, which has caused financial and emotional distress. This ongoing failure to correct my report is unacceptable and severely impacts my ability to access financial opportunities. 

I am formally demanding that TransUnion immediately remove these inaccurately reported collection accounts from my credit report and provide a detailed explanation of their verification process. If this matter is not resolved promptly, I am prepared to escalate this issue further, including seeking legal remedies. 

I appreciate the CFPBs assistance in ensuring TransUnion adheres to its legal obligations under the FCRA. Please keep me informed of any developments regarding my complaint.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes.

Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law.

Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through Form 1099-C. Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MD

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 non-monetary relief
Consumer complaint received 2025-02-25 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: MS

Complaint narrative:
I am writing to dispute the unauthorized reappearance of a credit card account on my credit report. This account was previously removed, and their reappearance is both erroneous and damaging to my credit profile. 
This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.

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 2025-02-25 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate debt information that XXXX XXXX XXXX has reported on my credit report. The account in question reflects a balance of {$1400.00}, which is not only incorrect but also should not be on my credit report in the first place. 

This matter was legally resolved in the courts of Maryland and was dismissed. As a result, I am not liable for this debt, and it should not be reflected in any way on my credit report. Despite this, the erroneous information remains, which is causing unnecessary damage to my credit history and financial standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Experian to take immediate action to delete this inaccurate information from my credit report. Additionally, I demand written confirmation that this deletion has been completed. Failure to remove this invalid debt may compel me to pursue further legal action to protect my rights. 

Please confirm in writing within 30 days that this matter has been resolved and that all inaccurate reporting has been corrected. I appreciate your prompt attention to this matter and expect a swift resolution. 

Sincerely,

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XX/XX/year>, I was approached on XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ), who introduced me to XXXX XXXX XXXX XXXX in XXXX. He claimed that the company could provide a {$600000.00} USD business loan for my company, XXXX  XXXX. I was then introduced to XXXX XXXX, a financial consultant who claimed to facilitate the loan through XXXX XXXX XXXX. 

XXXX XXXX explained that securing the loan required a Loan Repayment Exchange Bond as collateral. On XX/XX/year>, he instructed me to make an initial payment of {$2000.00} USD via XXXX XXXX  Remittance Transfer to XXXX XXXX XXXX at Chase Bank, USA. 

Transaction Details : Amount : USD XXXX ( INR XXXX at XXXXUSD ) Date : XX/XX/year> Transaction Reference : XXXX  XXXX Recipient : XXXX XXXX XXXX . 
Bank : Chase Bank, USA XXXX Confirmation : Provided by XXXX XXXX, confirming the funds were successfully credited After the initial transfer, XXXX XXXX requested additional payments totaling {$4500.00} USD, which he claimed were required for broker fees, bond creation, and other charges. I made these payments via XXXX XXXX XXXX in three separate transactions : {$1500.00} USD : Advance processing fees {$2000.00} USD : Bond creation fees {$1000.00} USD : Additional broker fees due to a frozen account issue Despite completing all payments, I did not receive the promised loan. On XX/XX/year>, XXXX XXXX XXXX confirmed via email that they had received the {$2000.00} USD payment. However, on XX/XX/year>, they contradicted their previous statement, claiming that they never received the money because it was frozen due to the transaction narration mentioning XXXX XXXX. 

When I contacted Chase Bank for further information, they refused to provide any details, stating that only the recipient, XXXX XXXX XXXX, could request transaction-related information. XXXX XXXX stopped responding to my messages on XXXX and later blocked me on XXXX. 

Actions Taken : I contacted XXXX XXXX, which confirmed that the {$2000.00} USD was credited to XXXX XXXX XXXXs account and provided a XXXX  copy as proof. 
I filed complaints with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the FBI Internet Crime Complaint Center ( IC3 ). 
I plan to escalate the case further by filing an XXXX  in XXXX, contacting XXXX, and issuing legal notices to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
. 
This incident has resulted in a total financial loss of {$6500.00} USD. I request urgent assistance in recovering my funds and holding the individuals and entities involved accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
New Dispute : New Information Being Submitted THIS ISN'T A DUPLICATE : I'm " RE-UPLOADING '' my ID and Social. This information was submitted on XXXX and yet I received a very bias letter from Experian claiming they can not except my Identity Theft Complaint.

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 2025-02-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15.USC.1692c, Experian has violated my rights by un lawful communications by not removing reports from my credit, I would like to file a complaint and remove all records from my credit report please thank you, I have closed 2 accounts under the name of XXXX XXXX XXXX XXXX and cXXXX XXXX XXXX XXXX  and they have not responded

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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
I am to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-25 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NC

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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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