vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TN

Complaint narrative:
Ive been dealing with this since last year, I asked them to run the secondary insurance but they failed to do it on time, now they are out of compliance and the secondary insurance wont pay, thats the reason we have a secondary insurance. I called last year in XXXX, XXXX and XXXX before the 2 year timeframe of the procedure elapse. Now I just noticed they are reporting the debt into my credit which is illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to retreive money from a credit banking station and they declined my money. Even thought I didn't have any withdrawls that day to go over my back limit. 
I even got text and email to ask if it was me and I said responded yes it was me, and stil lgot denied several times. The bank is saying they never denied and they said thye approved the withdrawal. But that was a lie. Because I've done this transation before at same casino window. ( casinos arent in the business of not getting you money ) XXXX to branch and talked to XXXX XXXX XXXX | Chase | Branch XXXX | NMLS ID XXXX | XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, IL XXXX | T : XXXX | XXXXchaseXXXX to go over this because this has happend several times in the past and he understood and agreed that they had failed me again. He said he would get his boss XXXX XXXX XXXX | XXXX XXXX | XXXXchaseXXXX | T : XXXX. 
XXXX XXXX called me once and said he would look into this problem and get back to me. 
He never got back to more and its been over several weeks. 
I got home today and got a letter dated XX/XX/year> that they have come to a decision to close my bank accounts at Chase on XX/XX/year> So now I have to go get a new bank account and get a hold of all financial instituions that take money from my chekcing account. Because I've done nothing wrong but give them money to hold onto with XXXX checking and XXXX savings account, and make signifcant interest on my money. 

How is this legal, I would think that this is not allowable and that hopefully you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Subject : Request to Block Fraudulent Information & Correct Credit Report Due to XXXX XXXX XXXX XXXX XXXX I am writing to formally request the immediate blocking and removal of fraudulent information from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and labor trafficking, which resulted in unauthorized accounts and inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX XXXX Explanation : From XX/XX/XXXX, to XX/XX/XXXX, I was a victim of labor trafficking, during which I was forced to work without pay and had no control over my financial affairs. As a result, fraudulent accounts were opened in my name without my knowledge or authorization. Additionally, I recently discovered that my personal information has been used fraudulently, leading to further inaccuracies in my credit report. 

I request that you immediately block or remove these fraudulent accounts until a full investigation is completed. I have enclosed supporting documentation to verify my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

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 2025-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The loan with Wells Fargo started in XXXX for {$110000.00} I received a printout from my mortgage company of my payments, and it stated I paid {$150000.00} on the loan thus far. As of XXXX the mortgage company states I still owe a balance of {$100000.00}.

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 2025-02-11 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: MA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, has violated my rights. 

XXXX XXXX.S.C 1681 SECTION 602 A. 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. 

I DINT KNOW THIS COLLECTION IN MY CREDIT COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Phone : ( 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 non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect XXXX XXXX This account has been paid to the original creditor. The collection agency above has now reopened the account and named themselves the original creditor. XXXX XXXX has noted that the account has been closed then reopened and have advised me to dispute. This makes the reported information untrue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I have communicated with all three bureaus, Experian, Equifax and Transunion about XXXX handling of my credit bureaus about being denied access to my reports, submitting documentation other than the reports and then refusing to do anything about them even with documentation Against XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 have communicated with all three bureaus, Experian, Equifax and Transunion about XXXX handling of my credit bureaus about being denied access to my reports, submitting documentation other than the reports and then refusing to do anything about them even with documentation Against 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 non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am a victim of identity theft, and Experian has inaccurately reported a fraudulent collection account from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) on my credit report. I have never opened or authorized this account, and it was added without my knowledge. 

I have already submitted an FTC Identity Theft Report, which legally requires Experian to block and remove this account within 4 business days under FCRA 605B ( 15 U.S.C. 1681c-2 ). Despite my formal dispute, Experian has failed to remove this account, violating my consumer rights.

Additionally, under FCRA 1681i, Experian is required to conduct a proper investigation. Given the CFPBs lawsuit against Experian ( XX/XX/2025 ) for failing to investigate disputes properly, I demand that Experian take immediate corrective action. 

Requested Resolution : Immediately remove the fraudulent XXXX XXXX XXXX account from my credit report Provide written confirmation of its deletion within the legally required time frame Ensure Experian is compliant with FCRA 605B and 1681i Failure to resolve this matter will result in further escalation with CFPB, FTC, and legal authorities.

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-11 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:
In accordance with the Fair Credit Reporting Act the list of account below has violated my rights : 15 U.S.C 1681Section 604 A States I have the right of privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s_2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any information is inaccurate. 
please remove or delete inquiries that I don't recognize XXXX XXXXXXXX XXXX # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-11 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX [ XXXX XX/XX/2025 LVNV Funding LLC Attn : Legal Subject : Cease and Desist Request Dear Sir/Madam, I am writing to formally request that LVNV Funding LLC immediately cease and desist from any further attempts to contact me regarding the alleged debt referenced under the account number [ ]. I dispute the validity of this debt, and I demand that you stop all collection activity and communication with me, including phone calls, letters, emails, and any other forms of contact. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you cease communications regarding this matter. Any further attempts to collect this alleged debt, unless required by law, will be considered harassment and may lead to legal action on my part.

Please confirm receipt of this request in writing and provide a response as to whether the debt is valid or if it is being removed from your records. If the debt is invalid or you are unable to verify its legitimacy, I expect you to provide me with appropriate documentation and discontinue all collection efforts immediately. 

I appreciate your prompt attention to this matter and expect no further contact unless required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXXXXXX # XXXX - Opened on XX/XX/year>

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 2025-02-11 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXXXXXX # XXXX - Opened on XX/XX/year>

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX I made a deposit of {$120.00} with my ATM card at XXXX 20 minutes later in Pennsylvania there was an ATM withdrawal from my account I filed a complaint they told me I had to wait until I posted I had to wait until Sunday to file the dispute they did not put the money back into my account they refused to do so and they said that I have to wait until the XXXX if they come up with an answer to the investigation I am the victim they're treating me like a criminals back into my account according to the Visa liability they do not protect their consumers they make me feel like a criminals as if I did something wrong .. money was stolen from me I don't care if it's XXXX XXXX XXXX XXXX XXXX it's my money I shouldn't have to fight to get it back when clearly they shouldn't of let it happen to me they dropped the ball somehow and they aren't doing anything to fix it or even apologize for letting this happen instead they tell me I have to wait until the XXXXXXXX XXXX XXXX to " maybe receive " temporary " refund until they investigate and it may take up until XXXX XXXX sent receipts showing that I made the depositl in New Jersey with my debit card and the withdrawal was done in Pennsylvania without my debit card so clearly somebody got my information somehow and are doing it digitally it's probably somebody's from the company they will give me no answers only headaches from there incompetent rebuttal reading so called customer service members

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My dentist charged {$150.00}. for a dental visit on XX/XX/XXXX when I had insurance covering this cost. They billed the wrong insurance. I gave the dentist the correct information. I submitted a dispute with my Wells Fargo bank debit card and provided all the documentation showing I had insurance. I got a letter a week ago that I did not provide the documents in time. I called again and got their representative on XX/XX/XXXX and the rep said that they were missing the proof of insurance. I don't why they would need that when it is employer paid, and I had the card. I emailed them from work email a pay stub showing proof of payment and proof of coverage with exactly what is covered. I also called the dentist to follow up and copied another email to Wells Fargo. I noticed today that the temporary provisional credit was reversed. 

ref XXXX for the claim

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid a merchant in XXXX for over {$2000.00} dollars almost 3 years ago not really sure date and was ask to pay by XXXX when I sent money merchant told me I see it to wrong number I ask merchant was this correct info and they yes. But it ended up being wrong information and couldnt receive money back through bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am filing a complaint against Wells Fargo for failing to pay the {$520.00} bonus as advertised for opening a savings account in-branch. I met all the terms and conditions, which I verified with a bank manager, yet the bonus has not been credited. 
Account open date : XX/XX/year> Bonus offer code : XXXX I have the original account opening document linking the promotion to my account and an email from Wells Fargo confirming the offer. Despite multiple attempts to resolve this, the bank has not honored the bonus. 

I request CFPBs assistance in ensuring Wells Fargo honors its promotion and provides a resolution.

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 2025-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
my personal and financial information was compromised without my authorization the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharce student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Security Credit Services, LLC
State: CA

Complaint narrative:
Someone used my credit without my authorization. I recently viewed my report to find many items that I did not authorize on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions ( XXXX submitted XX/XX/year> ), Equifax consistently responds within 24 hours stating that the account is accurate, without providing ANY evidence of a 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 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

Confirmation numbers of accounts reported inaccurate : 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