vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> I saw 2 debits on my account from XXXX of {$180.00} and {$6.00}. I called right away to report this to the bank and they block my card and sent me a new one. A few days later, I started getting the packages from XXXX. That meant someone knew my home address. I reported to the police and filed a case. I called XXXX, I provided the order number and they clearly saw and stated that the account was fake. They said they will file a complaint to fraud department, they also said to discard the items. A few days after XXXX, my bank gave me another credit for the same thing, so I called and reported the double credit. They reversed on XX/XX/year>. In the meantime I kept receiving packages from XXXX. I called every single time and they gave me the same exact answer. When I thought that everything was done, I received a letter from my bank stating they denied my claim of the biggest transaction {$180.00} but the smallest one the said it was fraud ... That was weird. I went to the bank in person, they told me XXXX provided proof of delivery on my house. Of course they did! Whoever stole my debit card information, got my home address as well. I reported to XXXX numerous times. So, my bank left me alone and did not fight for this. They told me to call XXXX, so I did, AGAIN. I spent an hour and a half on the phone with XXXX. A supervisor gave me the information of the fake account, clearly a made up name and made up email address and a phone number that does not exist. So, I said to him, why you did not tell my bank this was fake? And he read the report stating that the account was fake and my identity was stolen. Apparently my bank did not care at all. I went to the bank AGAIN the next day, with all the proofs, police report and everything. They basically said : XXXX you. I called XXXX AGAIN and the said the same thing. I read my rights, and I should not be financially responsible for this. I want my money back and my bank to stand up for me and refuse to pay to XXXX. I have proofs of everything if needed. I also reported XXXX to XXXX. 
Now my first claim was denied AGAIN. I called XXXX and I recorded the phone call were the employee stated no one ever closed the account and reported it as fraud. However he now did it. Please ask XXXX to show the phone call made today. I have recorded the phone call if needed to review.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The only correct address that should appear in my report is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX The only employer that should be listed is : XXXX XXXXXXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
This issue is with Chase Credit Card and XXXX XXXX XXXX XXXX. XXXX offers XXXX XXXX benefit to customers earning XXXX points within a calendar year including credit card referral bonus points. Towards the end of XXXX I was up to over XXXX XXXX qualifying points. I referred a credit card that was applied for and approved on XX/XX/XXXX around XXXX. Chase terms state can take up to 8 weeks to receive the XXXX bonus points. Normally I have received referral bonuses on the following month. I called Chase on XX/XX/XXXX and they said wait the full 8 weeks. I called back on XX/XX/XXXX, XXXX and they said message them. I messaged them on XX/XX/XXXX and then called again on XX/XX/XXXX. Finally they said they found the referral and sent the points XX/XX/XXXX. I then called XXXX and explained I had completed the steps on my end but there was an issue with Chase that prevented these points from applying within the year. XXXX stated someone will call me back. On XX/XX/XXXX I received an email from XXXX stating I did not complete the requirements in time. I called XXXX on XX/XX/XXXX and they requested I submit a complaint on their website. I submitted a complaint on their website and am finally submitting a complaint to CFPB as this is still not getting resolved. I have completed all advertised requirements to earn XXXX XXXX as advertised by XXXX and Chase, and due to an issue with Chase they are not awarding me the benefit they advertise. I find it suspicious that the referral towards the end of the year that would earn XXXX XXXXXXXX goes missing until 9 days after the deadline and then they find it and now say oops you didn't earn XXXX. Also worth noting, on XX/XX/XXXX, I went on a trip with my son that cost XXXX points for my sons ticket which should have not as he should have been my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XX/XX/XXXX correspondence sent requesting payment. XX/XX/XXXX requested settlement offer with XXXX XXXX XXXX representing LVNV LLC. XX/XX/XXXX offer provided in email to pay reduced amount to be paid by XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX confirmed address to mail payment options. No due dates provided for payment. XX/XX/XXXX received email stating no longer able to collect on account and advised to contact LVNV. Contacted who I thought was LVNV but turned out to be Resurgent and given a higher settlement amount to pay than what XXXX XXXX offered. After verifying info with XXXX XXXX my account was conveniently returned to LVNV same day. Per Resurgent account was returned XX/XX/XXXX. 
Only trying to pay what was agreed upon amount with XXXX XXXX which is {$500.00} less than amount offered by Resurgent. Offer of {$920.00} for pay to delete provided by XXXX XXXX XX/XX/XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion : 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 [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA. 

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 

Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies. 

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in inadequate and superficial investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is obligated to perform a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), any information determined to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Failure to comply with these legal requirements constitutes a violation of federal law. 

I respectfully request that XXXX take the following actions : 1. Conduct a detailed and thorough reinvestigation of the following disputed accounts or items : XXXX XXXX XXXX  2. Provide me with all documentation and evidence used to verify the accuracy of the disputed information. 
3. Promptly correct or remove any information that is inaccurate, incomplete, or can not be verified, as required by law. 

I expect a written response to this dispute within the legally mandated timeframe, including confirmation of any changes made to my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have received many letters from the court and from a collection company that never did business and through this I have not been able to improve my credit score, Every payment I make is not reflected in my score and they do not give me the opportunity to apply for a loan to improve my economic situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
I am filing a dispute against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. This is the account that I marked as inaccurate : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am disputing this hard inquiry because I did not authorize it. Under the Fair Credit Reporting Act ( FCRA ), creditors must have my explicit consent to pull my credit report. I have verified with the company, and they are unable to provide proof of my consent. I am requesting that this unauthorized inquiry be removed from my credit report immediately. I did not authorize the hard inquiry on my credit report. Their records confirm no application exists. Please remove this unauthorized hard inquiry from my credit report immediately per the FCRA.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-28 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: GA

Complaint narrative:
I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). 
I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. 
STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. 
CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports. 
I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation. The Bill of Sale is only PART of the ENTIRE PURCHASE AGREEMENT and I am clearly requesting the ENTIRE PURCHASE AGREEMENT. 
Requesting this is my right because if this escalates to court, the burden of PROOF is on you to prove to me that I owe this ALLEGED obligation. 
I do NOT believe that you own the debt you are attempting to collect, so you need to PROVE that you do and that requires presenting me with the ENTIRE PURCHASE AGREEMENT. 
If you cant do that in a timely manner, you must notify the consumer reporting agencies where this information is being reported to be DELETED from 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 2025-01-28 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: GA

Complaint narrative:
I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). 
I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. 
STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. 
CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports. 
I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation. The Bill of Sale is only PART of the ENTIRE PURCHASE AGREEMENT and I am clearly requesting the ENTIRE PURCHASE AGREEMENT. 
Requesting this is my right because if this escalates to court, the burden of PROOF is on you to prove to me that I owe this ALLEGED obligation. 
I do NOT believe that you own the debt you are attempting to collect, so you need to PROVE that you do and that requires presenting me with the ENTIRE PURCHASE AGREEMENT. 
If you cant do that in a timely manner, you must notify the consumer reporting agencies where this information is being reported to be DELETED from reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable 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