vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 non-monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: WI

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. 
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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had an employee steal checks from my mail at work that were made out to my business name or my name and Chase Bank never verified who the checks were made out to compared to the account they were getting deposited into. The person in the office stamped them for deposit only. She deposited ~ $ XXXX of my checks into her account over two and a half years and Chase Bank didn't even verify one deposit over that time period ( I have filed a police report and pursuing legal action against the former employee ). I went to the local branch XX/XX/year> and explained the issue they froze the account but will not give me my money they wrongfully deposited. I was instructed to contact the issuers of the checks, which I have, but some won't even respond. Even so I am here to complain about the neglect of due diligence of the bank and want my funds returned to me. They can easily see all the deposits with my business name or my name so why not settle up before I seek legal action. This is unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On the XXXX or XXXX of XX/XX/XXXX I signed a a cashiers check for {$85000.00} to a third party at Chase bank. The check was signed by both parties. The 3rd party opened up a new checking account with chase bank to deposit the funds. Chase bank has been with holding the money from the cashiers check stating that " verification was unsuccessful and in a suspense account until further investigation and that they were closing the new account from the 3rd party. " Verification system that chase bank uses is through cell phone registration. I had called XXXXXXXX XXXX XXXX XXXX and was told that the phone is registered in my name. Chase bank officer XXXX XXXX had me call her on her bank phone and it showed receiving incoming call with my full name, she then called my phone, it wrang and I answered. Chase bank responded by telling me to buy a new phone. 
XX/XX/XXXX I was informed by a Chase telemarketer to get a " hold Harmless agreement notarized letter. '' XX/XX/XXXX I got the letter as instructed to find out that Chase bank do not recognize this letter anymore. I went to Case bank with the 3rd party because Case was requesting a signature verification. I signed, waited 2-3 days for response. Funds still held due to signature not matching previous signature. Customer Service explained that I was a partial quadriplegic and I have trouble signing. I was advised to have my brother go to XXXX XXXX  and cancel the cashiers check. 
XX/XX/XXXX My brother went to XXXXXXXX XXXX to cancel the check and was told that XXXXXXXX XXXX could not cancel the check because Chase had already cashed the check. 
XX/XX/XXXX I received a call from Chase bank Executive office stating that verification has been unsuccessful and was given a case #. I had a call from XXXX Chase Bank manager and was informed that she will go through another department to try and find out another way to verify me. 

Dates may not be accurate. My 3rd party friend takes care of me and does all my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA sends me Statements with a balance due and late charges.

I told them I did not authorize this on my USSA Credit Card and that the " debt '' was disputed/not owed. They keep sending Statements with more late charges. USAA reported me to at least 3 agencies which resulted in my
CREDIT SCORE being lowered by XXXX points ; from XXXX to XXXX. They have not corrected this despite my request that they do so. Info they reported is inaccurate; incomplete ; and non verifiable! I may file suit to have the Court address this matter ... .after I exhaust my administrative remedies.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-25 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX California XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 Current Address : XXXX XXXX XXXX XXXX XXXX California 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX California XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 Current Address : XXXX XXXX XXXX XXXX XXXX California XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-25 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: ME

Complaint narrative:
Re : Immediate Cease and Desist of Collection Efforts on Discharged and Forgiven Debt To : Administrative Wage Garnishment Liaison From : XXXX XXXX Date : XX/XX/XXXX Dear Sir or Madam, I am writing to formally demand the immediate cessation of all collection activities related to an alleged federal student loan debt in the amount of {$1500.00}, which has been subject to both bankruptcy discharge and federal forgiveness due to my status as a 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX veteran. 

Background : I filed for XXXX XXXX  bankruptcy in XX/XX/XXXX, and the debt in question was included in that filing. A discharge was granted in XX/XX/XXXX. A copy of the discharge order is attached. 

Since XXXX, I have been designated by the U.S. Department of Veterans Affairs as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran. 

Under the Higher Education Act of XXXX and its implementing regulations ( 34 CFR 685.213 ), veterans who are determined by the VA to be XXXX XXXX XXXX XXXX are eligible for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX discharge of their federal student loans. 

In XX/XX/XXXX, a Presidential Executive Memorandum directed the automatic discharge of student loan debt for eligible XXXX veterans without requiring a separate application process. 

Request : Given that this debt was : Discharged under XXXX XXXX bankruptcy, and Subject to automatic forgiveness under the XXXX  discharge program due to my XXXX XXXX XXXX XXXX XXXX rating, I demand that all collection actionsincluding any wage garnishment or Treasury offsetbe ceased immediately, as they are in direct violation of both bankruptcy protections and federal law regarding XXXX veterans ' student loan forgiveness. 

Please confirm in writing within 15 days that this matter has been resolved and that all collection activity has been terminated. Failure to comply may result in further legal action, including formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Department of Education, and the U.S. Department of Veterans Affairs.

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-03-25 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-25 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I called credit collection services to delete a debt they had on file with the wrong information on it. I dont owe liberty mutual. They have my name mixed up with someone else name. This message is from CREDIT COLLECTION SERVICES ( a debt collector ) offering to resolve the balance of {$700.00} due XXXX XXXX at a discounted amount of {$350.00}. You can pay by calling ( XXXX ) XXXX or by XXXX XXXX. Reference File # XXXX. I look the file up the person on file is XXXX XXXX XXXX my name is XXXX XXXX XXXX its the wrong person and their debt is hurting my credit Im demanding a delete of this off my accredit in accurate. 15 U.S.C. 1681 specifically states that the banking system relies on fair and accurate credit reporting and that inaccurate reports and unfair methods can impair the efficiency and public confidence in the banking system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
What had happened is all of these car places pulled my credit and decided on their own behalf to not even use me on the loans they used my husband even though I had better credit then him I feel like each on of the auto loan reports should be taken off of my credit reports it is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 A VICTIM OF HUMAN TRAFFICKING AND I NEED YOUR URGENT HELP TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C HUMAN TRAFFICKING AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT ALTHOUGH IVE CONTACTED THEM MULTIPLE TIMES.THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO HUMAN TRAFFICKING AND ITS NOT MINE. THEY STILL DIDNT HELP ME SOLVE MY ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING AND I NEED YOUR URGENT HELP TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C HUMAN TRAFFICKING AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT ALTHOUGH IVE CONTACTED THEM MULTIPLE TIMES.THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO HUMAN TRAFFICKING AND ITS NOT MINE. THEY STILL DIDNT HELP ME SOLVE MY ISSUE

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Card Benefits XXXX XXXX XXXXXXXX XXXX ) did not accurately pay out an insurance claim I made for a cancelled flight which resulted in damages. I've called several times and they continue to dodge my questions. 

This needs to be escalated with Chase Card Benefits XXXX XXXX XXXX XXXX ) and they need to provide me the correct amount for my claim XXXX. 

XXXX and covered damages are for {$500.00} and they paid {$95.00}

Company response to consumer: Closed with explanation