vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Seven letters have been mailed to Shell/Citi Cards/Citibank , `` company '', the last six sent by certified mail to waive the late fees, and now other actions ( contrary to the reverse side of the print copy of the Shell account statement ) taken by the company, to resolve the dispute. No direct response to my requests for late fees waiver and reversal on the other actions taken by the company. The final payment, XXXX XX/XX/year>, was mailed about 10 days prior to due date. It usually takes 4 or 5 days for mail between XXXX and XXXX AZ not 10 or 11 days. I am not a habitual payee in making payments by mail, however, it is taking longer and longer for the USPS to deliver mail in a timely manner. In the recent past, 10 days was adequate for mail from XXXX to XXXX for payment purposesXXXX XXXX XXXX of my letters are available upon request. A few of the certified mail tracking numbers are included in the XXXX XXXX The rest of these tracking numbers are available upon request. 

For your information I do not have internet service at home nor a smart phone. It does take longer for me to access email. I have an answering machine on my home telephone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was incarcerated for some time in the years of XXXX and I have not used credit for anything recently besides XXXX  and XXXX. XXXX helped me recently disputes multiple items I cant recognize I really need help with this issue of inquiries and and accounts on XXXX equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: DE

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Block, Inc.
State: NV

Complaint narrative:
According to IRS the documentation sent by square reporting an income of XXXX untaxed profits. However, when i reached out to square regarding this matter they were unable to located or find an account in my name regarding this amount. 

This happened in the year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
On XX/XX/year>XXXX  I spoke to a loan officer at XXXX XXXX in XXXX  XXXX, IA and he pulled my credit without my consent, nor did I sign any paperwork agreeing for my credit to be pulled. I want this hard pull removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing this complaint to dispute several fraudulent accounts and collections appearing on my credit reports with XXXX, XXXX, and XXXX. The accounts in question include a XXXX XXXX  account ( {$790.00}, reported XXXX XXXX, XXXX ), a XXXX XXXX XXXXXXXX account XXXX {$0.00}, reported XXXX. XXXX, XXXX ), and a Portfolio Recovery collection ( {$870.00}, reported XXXX XXXX, XXXX ). These accounts were not opened or authorized by me, and I believe I am a victim of identity theft. I have already submitted dispute letters to the credit bureaus requesting an investigation and removal of these items. I am seeking the CFPBs assistance to ensure these fraudulent accounts are removed from my credit reports promptly, as they are negatively impacting my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging  my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts, and they shouldnt be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX transactions, one in the amount of {$400.00} and one in the amount of {$300.00} was sent without my authorization from an unknown individual to himself from my bank account who approached me at my place of work and used my phone. I immediately called Chase customer service, my financial institution, to report and stop payment. The Chase representative informed me that the payment did not go through, and not to worry. A few hours later, the payments were still showing pending. I called Chase again and they locked my account at that time and opened a fraud investigation claim. I contacted the police department and an officer came out to open a police report. They reviewed the available camera footage, and confirmed the theft. On XX/XX/year>, I was notified by Chase that they denied my claim and refused to reimburse my {$700.00} of stolen funds, despite the bank having a XXXX Fraud Liability claim. I called to dispute, and escalated to a supervisor, who advised there were no further details but that the claim was denied and the decision stands. When I questioned why during the initial call to report the incident, the representative said it didn't go through, and why that customer service representative did not immediately freeze the high school checking account to prevent further fraud, the supervisor had no explanation. They were unwilling to help out further or take the police report information. Chase advised to contact XXXX and provided a phone number. XXXX advised to contact the financial institution linked to the XXXX account. There has been no solution or help with this. There is an email, phone number and name associated with the XXXX number the criminal used to send himself the unauthorized money, and yet no one is penalizing the individual. XXXX is only refusing to reimburse me as the client, despite their claim of XXXX Fraud Liability and the fact the Chase representative said the payment did not go through when it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Letter for Mismanagement of Investigation To Whom It May Concern, I am writing to formally dispute the investigation conducted by Experian regarding my account XXXX XXXX  XXXX account number XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, and unauthorized inquiries XXXX XXXX XXXX XXXX  I believe this investigation was mishandled and that Experian did not fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : On XXXX XXXX, I submitted a dispute concerning [ briefly describe the disputed information ]. 
I provided supporting documentation, including [ list the documents submitted ]. 
The outcome of the investigation was unsatisfactory, and I believe Experian failed to : 1. Accurately convey my dispute to the furnisher.

2. Conduct a reasonable reinvestigation.

3. Notify me of clear and actionable results.

This aligns with the allegations noted in the recent CFPB complaint against Experian ( XXXX XXXX. XXXX ), which highlight systemic failures in Experians investigation processes, such as mischaracterizing disputes, over-relying on furnishers, and providing unclear outcome notices.

Requested Action : 1. Reinvestigate the matter with proper attention to the documentation and details provided.

2. Forward all relevant information to the furnisher, ensuring a thorough review.

3. Provide me with a clear, written explanation of the results and any actions taken.

Failure to comply with FCRA requirements adversely impacts my financial well-being, and I may pursue further action if this issue is not resolved promptly.

Please confirm receipt of this letter and update me on the status of my dispute within the timelines mandated by the FCRA. You can reach me at ( XXXX ) XXXX or XXXX Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: DISCOVER BANK
State: NC

Complaint narrative:
I lost my employment on XX/XX/XXXXXXXX  and contacted Discover Home Loans on XX/XX/XXXX, providing a completed application for Mortgage Assistance ( Forbearance ). 

In the last 2 months, I have been required to provide over 20 pieces of documentation proving my unemployment and bank/mortgage account information only for them to ask for more bank statements after they delay a decision. 

On XX/XX/XXXX they asked for savings account statements and my XXXX mortgage statement. I contacted LossMit and made sure they understood that my savings statements are generated every other month and my mortgage statement wouldn't be available until the end of XXXX or beginning of XXXX. They indicated that was OK and to send the savings statement and mortgage statement when I received it. 

The savings statement was uploaded on XX/XX/XXXX and when I logged in on XX/XX/XXXX to upload my XXXX Mortgage Statement, I found my application closed ( on XX/XX/XXXXXXXX  ) due to missing documentation. 

I called Discover on XX/XX/XXXXXXXX  to find out why they closed my application without contacting me and spoke with a representative who told me that they had called me on XX/XX/XXXX and left a message. While I was on the phone with him, I reviewed my call logs and XXXX Messages to find one call on XX/XX/XXXX from an unknown XXXX number and a XXXX second XXXX Message that was complete silence. 

When I told the representative this, he said he was sorry but the records indicate they left a message and you should have called back. The number is a robo-dialer and you can't call it back ( I tried today ). 

Then the representative told me I have to send in another set of bank statements for XXXX, XXXX through XX/XX/XXXX in order to re-open my application. 

It shouldn't take over 2 months and 20+ documents, have your application closed with no notice and told they will reopen it if you send XXXX more bank statements. I submitted exactly what they asked for in XXXX and XXXX but they keep dragging it out and requesting more information. 

Meanwhile, my first lien mortgage was approved for forbearance at the beginning of XXXX and I only had to provide my notice of termination in order to receive their forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I have become a victim of identity theft, which I believe is a direct result of the XXXX data breach. This unfortunate situation has caused significant distress and inconvenience in my life. 

Recently, I discovered unauthorized transactions and accounts opened in my name, which I did not initiate or authorize. After investigating further, I realized that my personal information, including my Social Security number and financial details, had been compromised due to the breach. This has not only affected my financial standing but has also caused emotional turmoil as I navigate the repercussions of someone else 's fraudulent actions. 

In response to this situation, I have taken immediate steps to mitigate the damage, including contacting my bank, credit card companies, and credit reporting agencies to freeze my accounts and monitor any suspicious activity. I have also filed a report with my local law enforcement agency and am in the process of gathering all necessary documentation to support my claim. 

I understand the importance of resolving this issue promptly and appreciate any assistance you can provide in helping me restore my identity and secure my personal information. 

Thank you for your attention to this matter. I hope to resolve this issue as swiftly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have received written correspondence from XXXX, XXXXXXXX XXXX XXXX, XXXX. with a XXXX rating of XXXX stars. I do not have any business dealings with this company. 

I am writing regarding your recent correspondence about a debt you ( XXXX XXXX ) claim I owe. To clarify, I have no dealings or signed agreements with your agency, nor do I wish to conduct business with you. Furthermore, I have previously requested to solely deal with XXXX XXXX XXXXk and LVNV Funding regarding this matter, yet your agency has failed to respect that request. 

In XX/XX/scrub> XXXX I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX In response, XXXXXXXX XXXX XXXX provided the attached correspondence, which stated that I should direct any questions or concerns to them directly. 

In XX/XX/year>XXXX  I exercised my right to deal with the original creditor by mailing a money order to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  cashed the money order on XX/XX/scrub> XXXX XXXX as evidenced by the attached documentation. If XXXX XXXX XXXX no longer has a financial interest in this account, why did they cash the money order? This raises serious questions about the validity of this debt and your agency 's right to collect it. 

To ensure clarity, I request that you provide the following information to validate the debt you claim I owe : 1. Proof of your legal right to collect this debt, including documentation of the transfer or assignment of the debt from XXXX XXXX XXXX to your agency. 

2. The original creditors name and address.

3. A detailed breakdown of the alleged debt, including any fees, interest, or charges.

4. An explanation as to why I was not provided with a receipt or acknowledgment when the money order was received.

Until I receive the requested validation, I demand that you cease all communication with me except to provide the information above. 

This letter is not an acknowledgment of the debt but a formal request for verification. Please direct all future correspondence to me in writing at the address listed above. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief