vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I saw an advertisement for a Citi checking account which offered a bonus reward where you can deposit money into the account, hold it there for 90 days, and then receive a {$750.00} bonus. I thought this offer looked attractive, so I opened a checking account. 

I deposited an initial {$20000.00} into the account and due to personal circumstances, I changed my mind a few days after and decided to keep my money with another bank. So I initiated a request to withdraw the {$20000.00} back to the originating account, but Citi did not allow the transfer to go through. After trying multiple times, Citi locked my account and told me to call their fraud department. 

I called the fraud department and after verifying my identity, they told me to wait 48 hours for more information. I called back many times, and finally after 48 hours they told me that my account has been closed and I will receive my money within 30-60 days. I assume that my deposit and withdrawal triggered a fraud alert since the account was brand new. As I write this, my {$20000.00} is still locked up with Citi and I have no guarantee I will ever get my hard earned 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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I have repeatedly notified Experian of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal consumer rights ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XX/XX/year>XXXX  I called chase to see why they closed my account and when they will send me my money and they said they cant tell me why they closed the account and still have not sent my money to me I had a balance before they decided to close account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
i had a case opened XXXX and it was closed by becu. 
i am opening a new case as becu has a very fragile and non existent process of dealing with insurance claim checks. i am still waiting for an inspector to come inspect and move the process forward. after going through such a disaster with my home, i have to keep calling XXXX number every day to escalate and find out what the status of my claim check is. they state that inspection was cancelled because i never got back to the inspector.

i received one random text from someone who said they will reach out the next day to confirm a day and time for inspection, i didnt hear back. the random text looked like spam so i didnt think much of it. they cancelled the inspection.

its been 2 weeks since an i have been trying to schedule an inspection so i can get the funds to pay folks.

what is the point of this process? why block my money? if becu does not know how to handle this process why be such a big road block? this is not acceptable, i cant keep doing this everyday just to hear from someone that i will hear from the inspector and i dont.

the house means more to me than it does to becu. i have 90 % equity in the house, becu is being an unnecessary blocker in this and adding to XXXX and stress in this process. i will make it a point to share this in the local community so no one else has to go through what we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX for multiple FCRA and consumer protection violations based on the account reported across Equifax, TransUnion, and Experian. The tradeline associated with XXXX XXXX reflects inaccurate, inconsistent, and legally questionable reporting practices that have materially harmed my credit profile. 

Violations Identified : 1. Balance Over the Credit Limit ( FCRA 623 Violation ) : The reported balance is {$1800.00} while the credit limit is {$1400.00}. Reporting a balance that exceeds the credit limit ( 125 % utilization ) is both mathematically and contractually inaccurate unless explicitly supported by terms. If over-limit charges were not contractually agreed upon, this constitutes misleading reporting. 

2. Inconsistent Delinquency Reporting Across Bureaus ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Payment history shows discrepancies and conflicting delinquencies across bureaus. Experian reports 90, 120, and 150-day delinquencies, while TransUnion and Equifax do not report 150-day delinquency. Any inconsistent reporting of severity or status of delinquencies can mislead lenders and violate fair reporting standards. 

3. Failure to Update or Mark Accurate Status ( FCRA 623 ( a ) ( 2 ) ) : The account shows lates reported through XX/XX/XXXX, yet the " Last Activity '' date is listed as XX/XX/XXXX. There is no supporting evidence of further activity or communication that justifies ongoing reporting of delinquency or updates beyond that point. 

4. Negative Payment History with No Contractual Validation : The 2-year payment history shows a delinquency progression ( 30, 60, 90, 120, 150 days ) starting shortly after account opening in XX/XX/XXXXXXXX  with no consistent updates or resolution. If no validation of this debt has been provided to me per my dispute rights, continuing to report this without verification is a clear violation of FCRA and FDCPA. 

5. Failure to Provide Full Contractual Terms ( Truth in Lending Act Violation ) : The report does not include " Terms '' for Equifax or TransUnion. For a revolving account with a high balance and 125 % utilization, the consumer has the right to understand the full contractual agreement regarding over-limit fees, interest, payment schedules, and penalties. Their omission indicates a failure to furnish complete consumer information. 

Requested Action : Immediately delete the XXXX XXXX tradeline from Equifax, TransUnion, and Experian. 
Conduct a thorough investigation into the inaccuracies, inconsistencies, and over-limit reporting. 
Provide full documentation and verification of this account, including signed agreements and itemized statements. 
Cease and desist further damage to my credit report with unverified or inflated data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-08 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-08 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C.
State: KY

Complaint narrative:
Claim date XX/XX/year>, accidents claim not paid by XXXX XXXX. 
the company is saying that they will request SUSPENSION of your DRIVER 'S LICENSE and/or REMOVAL of your VEHICLE LICENSE PLATE REGISTRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was genuinely shocked to find out that my credit report was accessed without my knowledge or permission. Several applications were submitted in my name, and inquiries now show up from companies Ive never dealt with or authorized. I never consented to these credit pulls, and frankly, it's disturbing. This isnt just a mistakeits a violation of my privacy and rights as a consumer. As someone who values integrity and follows the law, its incredibly insulting to have my name tied to something fraudulent.

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 2025-04-08 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
The XXXX XXXX XX/XX/year> and XX/XX/year>. Look at my credit without my permission. 

XXXX XXXX XX/XX/year> Ally XXXX XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
I am disputing this hard inquiry XXXX XXXX XXXX I did not authorize this company to access my credit report, which violates the permissible purpose rule under 15 U.S.C. 1681b. Please delete these inquiries immediately.

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 2025-04-08 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: PA

Complaint narrative:
Purchase was made at XXXX that was not authorized by me and fraud claim was denied in less than 24 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I have repeatedly informed Experian of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-04-08 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: MO

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 explanation
Consumer complaint received 2025-04-08 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: CT

Complaint narrative:
Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ), Knowingly Transfers, or Used, without lawful authority, a means of identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am a victim of identity theft please block and remove this inquiry immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
XX/XX/year>, I was emailed that my Mastercard was added to file by a company, and then was emailed an invoice for {$1300.00}. I immediately reported this, as it was fraudulent, and had my card number changed. Some odd hours later, my account was hit by the same merchant for {$640.00}, which is was declined because my card number was changed, but odd hours again later I was charged for {$2600.00} again by the same company, I reported it fraudulent also and got my money back on it. Now 4 disputes later with the {$1300.00} fraudulent charge, they keep reversing this dispute. The funny thing about this, the invoice that was sent to me that was a scam, was posing a neighboring small business in my town, in which I know the owner of the company. I talked with him, and he confirmed that invoice was not sent by his company, as they do not use XXXX for invoicing or processing payments. I told my bank this over and over again, I pleaded with them to call the company on the invoice, and they just will not do it. Im on my 4th dispute with this charge. I even have a phone call recording with the owner of the company that was on the fraudulent invoice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-04-08 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: TN

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

Company response to consumer: Closed with explanation