vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I reviewed my Credit Karma XXXX  account statement and noticed that my IRS deposit for XXXX had been deposited. I also noticed that there was two transactions from XXXX to XXXX XXXX  on XX/XX/XXXX XXXX for XXXX and another one for XXXX. I contacted Credit Karma and opened a dispute in regards to these transactions because I did not authorize this transfer from my credit karma XXXX account. The representative stated that a transfer was made from my XXXX account and sent to a debit card. I explained to the representative that I have never linked a debit card to my account and that the transfer was not made by me and did not know where that transfer was sent to. She filed my dispute and said it would take 10 business day to credit my account while they investigate. That same day in the afternoon on XX/XX/XXXX I received an email from credit karma XXXX  account that stated that my dispute was denied because reg e only covers unauthorized transfers and that this transaction was a charge that I authorized that its not considered to be fraudulent activy. This transfer was not initiated by me or did I ever allow anyone authorization to make a transfer. This transfer was made by someone else and funds were sent to someones account that does not belong to me. I also requested a new debit card be sent to me since I currently dont have a debit card and have not had one. I was supposed to receive in in XX/XX/XXXX but never received one or it was lost or stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Declared Natural Disaster XX/XX/XXXX Disaster Declaration # XXXX and XXXX Home and business Received Forebearance and did not include AW CODE Reported delinquencies while on natural disaster forebearance during renewal for Mortgage assistance XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: SC

Complaint narrative:
So I get this mail saying they could loan me XXXX bucks I apply they say they can only do XXXX bucks then after I accept it do I find out that I have to pay XXXX payments of XXXX bucks. The app is like XXXX percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union withdrew {$170.00} from a joint account XX/XX/XXXX I held with my late wife, using funds from a check issued to her estate. They applied this money toward an alleged credit card debt that was charged off in XXXX. I have not made a payment on this account since XX/XX/XXXX, and I do not acknowledge owing this debt. In fact, I have sent multiple written validation requests asking for an itemized breakdown of the debt, but I have never received a response. 

This withdrawal was done without my knowledge or consent, using funds that belonged to my late wifes estatenot to me personally. The account they applied it to was charged off and closed, and any attempt to treat this as a renewal of the debt may violate the Fair Credit Reporting Act ( FCRA ) and Texas Debt Collection Act. I reside in Texas, where the statute of limitations is 4 years. Any action to re-age the account or restart the statute of limitations would be deceptive and unlawful.

I am requesting : 1. A full explanation and legal justification for the {$170.00} withdrawal.

2. Documentation of any authority to access estate funds or offset those funds toward an individual debt.

3. A complete itemized debt validation in response to my prior written requests.

4. Confirmation that Navy Federal will not re-age this account on my credit report or attempt to reset the statute of limitations.

5. Refund of the {$170.00} if no legal authority exists for the offset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
TransUnion and Equifax refuse to fix inaccurate information. They randomly placed two missed payments on my credit from an a XXXX account that was closed 4 years ago. 

I have requested many times that they fix the inaccurate information and they refuse.

Everything in the US runs off credit and this quite literally puts my families well being in danger.

Please force them to fix their own errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
My bank card was stolen and {$720.00} was taken out of my account on XX/XX/XXXX of 2025. I reported this and ordered a new card. I was told there would be an investigation and I would receive my money back and they keep denying my claim saying that there was no foul play. They want me to do my own investigation but I dont live in the city the transactions took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Identity Theft Request for Removal of Unauthorized Inquiries and Inaccurate Personal Information Dear Experian Fraud Department, My name is XXXX XXXX, and I am reaching out to dispute items on my consumer report due to identity theft. Upon reviewing my Experian credit report, I discovered several unauthorized hard inquiries and incorrect personal information that I did not consent to. These are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which entitles me to have fraudulent and inaccurate information promptly removed My name is XXXX XXXX XXXX XXXX also known only as XXXX XXXX XXXX XXXX XXXX XXXX and I am writing to dispute and request immediate investigation and removal of inaccurate personal information and unauthorized inquiries appearing on my credit report. I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, and my date of birth is XXXX I have no known affiliations with any other names, aliases, or addresses. Please delete all other listed names and addresses, including but not limited to : 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 These addresses are not mine, and I have never lived or received mail at these locations. 
Incorrect Name Variations to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX The only correct version of my name is : XXXX XXXX Incorrect Addresses to Be Deleted : 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 My accurate and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX investigate these discrepancies, remove all inaccurate information, and provide me with an updated copy of my consumer report upon completion of your investigation. Enclosed are supporting documents, including a copy of my FTC Identity Theft Report and proof of my current address. 
I look forward to your prompt attention to this matter within the timeframe outlined by the FCRA. 
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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have been going through Identity theft since the year 2020. Recently my personal information has been leaked in multiple data breaches including XXXX ( engagement number XXXX ), XXXX, XXXX, and XXXX XXXX. I received my consumer report and saw an inaccurate account being reported. My FTC report, driver 's License, and dispute letter have been attached to this complaint to support my claim of identity theft. This dispute is a formal notice pursuant to 15 U.S.C. 1692c ( c ) that I refuse to pay the alleged debt associated with Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and I demand that you cease all communication with me through any medium, including verbal, electronic, and most importantly, reporting to any consumer reporting agencies ( XXXX, XXXX, XXXX ). The only acceptable communication from your office shall be via U.S. mail, solely to confirm the permanent deletion of this account from all consumer reports. Additionally, I demand the method of verification used in your prior investigation. I am concerned with the validity and accuracy of your findings. Please provide answers to the following : 1. What did your representatives uncover that validated your reporting? 2. What certified documents were used to reach this conclusion? 3. Provide a complete copy of all information transmitted to the data furnisher. 4. What was the cost of obtaining these documents? 5. Show proof of timely procurement of certified records. 6. Did you speak with a live representative of the furnisher? a. Who? b. When? c. How long? d. What was their role? e. What number was called? f. Which employee on your team made the call? 7. Provide the date of first delinquency. 8. Provide the exact date this account is scheduled to stop reporting. If you can not provide full and verifiable documentation within 15 days, I demand the immediate and permanent removal of this account. I did not grant permissible purpose for you to furnish this inaccurate information. Failure to comply leaves my no choice but to pursue further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint regarding JPMorgan Chase and the forfeiture of approximately XXXX XXXX Ultimate Rewards ( UR ) points following the closure of my personal and business credit card accounts, valued at $ XXXX. 

On or around XX/XX/XXXX, Chase closed my accounts without prior notice. I later received a call from the Chase executive office, during which I was told that although my accounts were closed, I would be allowed to redeem or transfer the UR points. I was instructed to contact customer service to initiate the redemption process. 

I promptly called Chase customer service, who submitted an internal escalation ticket. However, a few days later I received a formal denial letter, stating that the points could not be transferred because the account was closed. 

I followed up with the executive office again, and this time was told that the points were forfeited due to the account not being used as intended. No specific violations or actions were explained, and I was given no prior warning or opportunity to remedy the situation. This explanation contradicts the original guidance I received from Chases own executive team.

I have always acted in good faith, earned the points through regular spending, and was fully compliant with the cardholder terms to the best of my knowledge. I am extremely disappointed that I was led to believe the points could be used, only to be told later they were forfeited. 

What Im requesting : I am requesting that JPMorgan Chase : Provide a clear explanation of why my accounts were closed and why the points were forfeited, and if this is a permanent ban. 

And most importantly, allow me to redeem or transfer the XXXX XXXX UR pointseither to a travel partner, as a cash redemption, or to a linked household members account. 

This is a substantial rewards balance earned legitimately through significant spending, and I feel Chases conflicting communications, lack of transparency, and abrupt forfeiture without recourse are unfair. 

Company name : JPMorgan Chase Product : Chase Sapphire Reserve Credit card Issue : Rewards ( XXXX Ultimate Reward Points valued at $ XXXX ) Requested resolution : Authorization to redeem or transfer points earned prior to account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: OH

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief