vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
I am writing to formally dispute the reporting of Account XXXX XXXX on my credit report. As per 15 U.S. Code 1681s2, a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX has repeatedly reported false, misleading, and inaccurate information regarding this account, despite multiple dispute attempts on my end. I have repeatedly disputed this information, yet XXXX XXXX XXXX XXXX has continued to furnish knowingly inaccurate data to the credit bureaus. Failure to correct inaccurate information after being notified constitutes willful non-compliance with 15 U.S.C. 1681s-2 ( b ) and subjects XXXX XXXX XXXX XXXX XXXX legal liability. Immediate Action Demanded : Immediately cease furnishing inaccurate information to any credit reporting agencies ( XXXX, Equifax, XXXX ). Remove this account entirely from my credit report due to repeated violations of the FCRA. Provide written confirmation of the removal within 15 days of receiving this letter. Cease and desist all further reporting of this inaccurate information to consumer reporting agencies. Failure to comply will result in legal action against XXXX XXXX XXXX XXXX for FCRA violations, including but not limited to : Willful non-compliance with 15 U.S.C. 1681s-2 Knowingly furnishing false information to credit bureaus Defamation of credit character Damage to my creditworthiness due to misreporting If corrective action is not taken I will escalate this matter to the the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal remedies for damages incurred due to your unlawful reporting practices. This letter serves as final notice before legal action is taken. I expect full compliance immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I requested proof of accuracy with Jefferson Capital Systems. The original creditor is no longer a company and I am requiring them to send me the original agreement documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
From XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I discovered over 40 transactions from XXXX. I had my bank notifications set to notify when transactions are over {$100.00}. That is how I missed all those transactions, as I rely on the notifications. I turned in screenshots of transactions from XXXX showing that they did not come from my account and someone had to hack my bank information. I also turned in statements from XXXX showing my transactions for the year of XXXXXXXX XXXX XXXX XXXX I removed bank from XXXX  and deactivated account. I also turned in those screenshots. A few days later, 2 more transactions came in from XXXX Navy Federal Credit Union denied the claim and took over {$1300.00} back. I don't understand if they are FDIC approved and I turned in all the documents how they could deny the claim. This is really unfair, as I did not basically steal from myself. Now my bank account is negative {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-14 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-02-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX, {$700.00} in unemployment benefit payments were deposited onto my U.S. Bank XXXX U.S. Bancorp ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I attempted to use the card on XX/XX/XXXX and XX/XX/XXXX. All transactions were declined. 

I called customer service on XX/XX/XXXX and was told that due to lack of use, the account had fallen into the negative and was deactivated because of a balance of XXXX  Yes, XXXX XXXX I never received any communication from U.S. Bank that the account was deactivated or going to be deactivated or that it had a low or negative balance. 

I was told by the customer service agent at U.S. Bank that I will be unable to access my unemployment payments and funds until 90 days of maintaining a positive balance have passed. 

I was also told this policy can be found in the cardholder agreement. It is not. 

I am being blocked from accessing my NC unemployment benefit funds, this can't be legal and seems to be a continuation of the violations U.S. Bank has previously been fined for by the CFPB.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-14 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
Not sure how to answer this question none of my reports match and there are old accounts still listed also my personal information is listed and I asked to freeze all credit report because I have been one of the people who's information has been in data breach across them all of them and never got anything fixed nor compensated for any of these breeches. I'd like it all removed or corrected immediately please they get all these XXXX party debt XXXX send XXXX any thing and report the wrong information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
On XX/XX/year>, Equifax was notified via dispute letter that the account XXXX  XXXX is inaccurately reporting a XXXX late payment status, despite no such delinquency being reflected in the payment history. Furthermore, Equifax was informed that the company stated that this account was never late, and I have attached the correspondence from the company. It is contradictory to claim that the account was 30 days late. This is a clear and erroneous reporting error that must be corrected immediately. Failure to do so will result in this matter being escalated to the Attorney General for further action. I am fully aware of my consumer rights under the FCRA, and I understand that each violation carries a statutory penalty of {$1000.00} should I choose to pursue monetary relief. I have attached my dispute letter ( dated and time-stamped ) along with supporting documentation demonstrating this erroneous reporting. I urge you to reference XXXXXXXX XXXX XXXXXXXX and promptly correct this error before further legal action is necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reveived a credit alert that Capital One had made an inquiry on my account on XX/XX/XXXX XXXX XXXX When I called the company they said that someone use my Social Security to apply online for a credit card. I reported it as fraud and stopped the application. I contacted all of the credit bureaus and reported it as fraud as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am filing this complaint against Bank of America for failing to fully reimburse me for unauthorized transactions on my account. 
I filed a claim with Bank of America for {$16000.00} due to unauthorized transactions. After an extended review, on XX/XX/year>, they determined my claim was Paid, yet they are only reimbursing {$4000.00}, leaving over {$12000.00} unpaid.

Bank of Americas reasoning is that some transactions were disputed by the merchant, but others were not, so they cant determine if true fraud occurred. However, under Regulation E ( 12 CFR 1005.11 ), the bank is responsible for proving that I authorized the denied transactions, which they have failed to do.

Why This Is Wrong : 1. Bank of America already determined some
transactions were unauthorized, which confirms fraud occurred.

2. A merchants decision to dispute or not dispute a charge does not prove that I authorized the remaining transactions.

3. Regulation E places the burden of proof on the bank, not me. They have not provided any evidence that I made these charges.

What I Am Requesting : 1. Immediate reimbursement of the remaining $ XXXX that was wrongfully withheld. 
2. A formal explanation from Bank of America with documented proof that I authorized the denied transactions.

3. Enforcement of Regulation E to ensure full compliance with consumer protection laws.

I request immediate regulatory intervention to ensure Bank of America follows the law and refunds my full 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 monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I closed a Wells Fargo CD ( XXXX ), {$20000.00} I was told that it takes 2-3 business days to transfer the money into my personal account. After 4 business days the money is still not in my account and now is no longer showing in my online banking ; I called the bank but the person I talked to just kept saying that the funds were transferred but she couldn't provide me with any proof of the transfer and that someone will call me in 24-48 hours or I will see the money in 2-3 business days. 
The money is gone and nobody is providing me with the answer- where is the money.

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 2025-02-14 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-14 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX - XX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon 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