vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX as defined by the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a capital one secured account. I deposited XXXX, cap one gave me an additional XXXX . Well they decided to closed my account after about 4 months due to my last 2 payment did not go through. Which is fine. My balance on that account was XXXX. I told capital One that they could take, the XXXX from my XXXX deposit and send me my balance. They are refusing to return the amount left over after I pay them back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for an East West Checking account which I deposited {$50.00} with my other account. On XX/XX/year>, my account was closed and my {$50.00} was never refunded. I repeatedly contacted them by email and phone and still could not get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : DEBT RECOVERY SOLUTIONS Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Request - Violation of Fair Debt Collection Practice Act Dear Sir/Madam, After recently submitting notice that this account is being reported on my credit report as charged off and a XXXX has been submitted and therefore income can not be reported on a consumer report and you refuse to update my report. I am writing to formally request that DEBT RECOVERY SOLUTIONS immediately cease and desist all communications with me, in accordance with the provisions of the Fair Debt Collection Practice Act ( FDCPA ), Specifically under 15 USC 1692d and 15 USC 1692cc. I have never done business with this company, 1. 15 USC 1692d : Harassment or Abuse I believe that companys actions may constitute harassment or abuse in violation of the FDCPA. Under this section, debt collectors are prohibited from engaging in conduct that is intended to harass, oppress, or abuse a consumer. This includes threats of violence, use of obscene language, or repeated calls.

I request immediate cessation.

2. 15 USC 1692cc : Communication in Connection with Debt Collection. Under this provision. I am entitled to request that you cease all communications regarding any alleged debts in question. I am hereby exercising my right to request that you stop contacting me through any means in which Ive never given you consent nor provided you with my information, including but not limited to telephone calls ( in which Ive never given you consent nor provided you my information ), letters, and emails. As per XXXX, your company is required to comply with this request and XXXX only contact me if legally obligated to do so under the act. 
If your company continues to contact me after this notice, it will be considered a violation of federal law, and I will not hesitate to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General XXXX. Additionally, I XXXX consider pursuing a civil suit for damages caused by these unlawful actions. 
Please consider this letter a formal and final request for cessation of all communications. I expect to receive written confirmation that my request has been processed and that no further communication will take place. I have included a copy of my DL and proof of address which also the same address on my DL Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AutoStar Finance, Inc - D/B/A Atlanta AutoStar
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally demand the immediate removal of an 8-year-old auto loan account from my credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX . 
Remaining Balance : {$4200.00} Loan Open Date : XX/XX/XXXX This loan account was closed on XX/XX/XXXX. The original debt is now 8 years old and has thus surpassed the statute of limitations for collection. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using unfair, deceptive, or abusive practices to collect debts. The sale of this debt to multiple agencies, resulting in different amounts being reported, constitutes misleading and deceptive conduct. 

Furthermore, the original creditor and the collection agencies must accurately report the debt to credit bureaus. Reporting the debt multiple times or with incorrect amounts violates the Fair Credit Reporting Act ( FCRA ). As the debt has exceeded the statute of limitations, I demand its immediate removal from my credit report. 

According to the Consumer Financial Protection Bureau ( CFPB ), debt collectors are bound by the statute of limitations, which restricts them from suing to collect old debts. The debt in question exceeds this period, making its continued presence on my credit report both unlawful and detrimental to my credit score. 

I expect the account to be removed within 24 to 48 hours. Additionally, I require a written notice confirming the removal of this account from my credit report once the action has been completed. 

Failure to comply with this request will result in a formal complaint against XXXX, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, with the Consumer Financial Protection Bureau ( CFPB ) for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

I appreciate your prompt attention to this urgent matter and look forward to receiving written confirmation of the removal within the specified time frame. 
Sincerely,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally demand the immediate removal of an 8-year-old auto loan account from my credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Remaining Balance : {$4200.00} Loan Open Date : XX/XX/XXXX This loan account was closed on XX/XX/XXXX. The original debt is now 8 years old and has thus surpassed the statute of limitations for collection. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using unfair, deceptive, or abusive practices to collect debts. The sale of this debt to multiple agencies, resulting in different amounts being reported, constitutes misleading and deceptive conduct. 

Furthermore, the original creditor and the collection agencies must accurately report the debt to credit bureaus. Reporting the debt multiple times or with incorrect amounts violates the Fair Credit Reporting Act ( FCRA ). As the debt has exceeded the statute of limitations, I demand its immediate removal from my credit report. 

According to the Consumer Financial Protection Bureau ( CFPB ), debt collectors are bound by the statute of limitations, which restricts them from suing to collect old debts. The debt in question exceeds this period, making its continued presence on my credit report both unlawful and detrimental to my credit score. 

I expect the account to be removed within 24 to 48 hours. Additionally, I require a written notice confirming the removal of this account from my credit report once the action has been completed. 

Failure to comply with this request will result in a formal complaint against XXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, with the Consumer Financial Protection Bureau ( CFPB ) for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

I appreciate your prompt attention to this urgent matter and look forward to receiving written confirmation of the removal within the specified time frame. 
Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an account with Chase in XX/XX/year> and deposited two checks : 1. One check from EDD ( Employment Development Department ) 2. One check from my car sale company Shortly after, Chase closed my account without warning. When I visited the branch, the manager confirmed that my account was closed due to a mistake made by the banker who initially set up my account. However, despite acknowledging their mistake, Chase **has been holding my money ( {$7000.00} ) for five months and refuses to return it. 

I have taken multiple steps to resolve this issue : - I visited the branch 10 times, trying to recover my money. 
- I spoke to the branch manager twice, and they confirmed Chase made an error. 
- Chase claims they can not verify the checks, particularly the one from EDD, and is using this as a reason to keep my money. 
- However, Chase also refuses to contact EDD directly for verification. 
- This has caused me severe financial hardship, as I need the money and have **accrued interest ( XXXX ) on my credit card** because I can not access my own funds. 
- This situation has also **caused extreme stress** and even led to a **panic attack** during one of my visits to the branch. 
I had to leave work multiple times during the day to visit the bank, which has caused disruptions to my job. I work in security at XXXX, which is a high-pressure, stressful role, and this situation has significantly increased my stress levels. The ongoing frustration and financial uncertainty have made it difficult to focus on my job, affecting both my productivity and well-being. 

Despite all my efforts, Chase continues to hold my money unfairly. I am requesting immediate action to release my {$7000.00}, which Chase is wrongfully keeping due to their own mistake. If this issue is not resolved, I will have no choice but to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out once again because my report continues to contain errors that are actively hurting my score. These inaccuracies are affecting my ability to secure loans, housing, and other financial opportunities. I am incredibly frustrated that this has not been resolved yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My personal and private financial information/ssa aid/credit score/address/and other personal information was sent out to 2nd and 3rd party without my consent or any type of authorization or permission granted. Also there's been a national system breach on information and I believe that the individuals who are responsible has got their hands on my information I haven't been in use of my credit usage and I know for a fact that I've been a victim of the security breach and a fraudulent activity doer .... 

I would like to be compensated and giving a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
these 2 inquiries are on my credit report. i did not apply for credit. 

XXXX XXXX XXXX XXXX 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The credit reporting agencies are inaccurately reporting charged-off account that is not in compliance with FCRA laws , IRS regulations and my Consumer rights. I am entitled to the METHOD OF VERIFICATION and a 1099-C for cancelation of debt. This creditor didnt follow FCRA Laws and IRS regulations. 

XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE REPORTED {$660.00} THIS IS NOT IN COMPLIANCE WITH IRS REGULATIONS 26 CFR 1.6050P and lack of 1099-C, 15 U.S.C 1681i ( a ) ( 7 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief