vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX WAS RECENTLY DELETED FROM XXXX AND XXXX XXXX. XXXX XXXX IS DISREGUARDING THE FCRA REQUIREMENTS FOR A COMPANY TO REPORT ON YOUR CREDIT PROFILE. THIS COMPANY IS STILL FURNISHING INACCURATE DATA TO EQUIFAX AND INSTEAD EQUIFAX DOING A ; PROPER INVESTIGATION I HAVE YET TO SEE THE REULTS OF HOW THEY VERIFIED AN ACCOUNT THAT WAS DELETED BY THE OTHER TWO CREDIT REPORTING AGENCY. THIS COMPANY IS VIOLATING 15 USC 6802 AND i WANT THEM DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Iam writing to report fraudulent accounts added to my credit report due to identity theft. I have attached my Identity Theft Report from the Federal Trade Commission ( FTC ) for your reference ( FTC Report Number : XXXX ). Despite my dispute with TransUnion, they failed to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 

The fraudulent accounts and amounts are as follows : XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) - {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account- {$460.00} XXXX. XXXX XXXX XXXX XXXX Account- {$400.00} XXXX XXXX XXXX XXXX  ( Personal or Business Loan ) ( Account Number : XXXX ) - {$1000.00} These accounts were opened without my consent or acknowledgment. The fraud dates back to as early as XX/XX/XXXX, with the latest fraud discovered in XX/XX/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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Against TransUnion for Negative Credit Scoring Patterns Dear CFPB, I am writing to formally file a complaint against TransUnion regarding a concerning pattern of negative credit scoring that I believe is unjust and detrimental to my financial stability. 

Over the past few months, I have experienced extreme fluctuations in my credit score with no clear justification. Below are the recent scores and corresponding changes : - **XXXX XXXX XXXX XXXX XXXX ( an increase of XXXX points ) - **XXXX XXXX XXXX XXXX XXXX  ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX : XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( a drop of XXXX points ) Prior to this, I also experienced the following significant drops : - **XXXX XXXX XXXX XXXX XXXX ( a drop of XXXX points ) - **XXXX XXXX XXXX  : XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( a drop of XXXX points ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX XXXX XXXX ( no change ) - **XXXX XXXX XXXX : XXXX ( no change ) # # # Key Observations : 1. **Dramatic Fluctuations** : The scores reflect drastic changes that seem inconsistent with my credit behavior. The drop from XXXX to XXXX was particularly alarming and unexplained. 
After the low score in late XXXX, resulting in a score of XXXX in XXXX. However, the earlier drop severely impacted my financial opportunities. **Lack of Clarity** : Despite my efforts to maintain a responsible credit profile, the frequent and severe fluctuations remain unexplained. 

I have reached out to TransUnion to resolve these discrepancies, but my inquiries have gone largely unanswered. The negative credit scoring pattern has hindered my ability to secure loans and affected my overall financial health. 

I respectfully request that the CFPB investigate this matter to ensure that TransUnion is held accountable for its practices and that consumers like myself are protected from such unjust credit reporting. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely,

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Despite closing all of my relationships with Chase Bank including my credit card and checking Chase Bank has never deleted my account as a privacy request. Instead they are regularly running my credit, sending me credit alerts, and mailers. I want my account deleted as a privacy request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
In XXXX, Penn XXXX has sent to collections {$57.00}. This is an invalid debt. The patient 's balance was paid in full in XX/XX/XXXX. Patient has sent the documentation/proof of payment ( endorsed check and bank statement ). Penn XXXX failed to conduct due diligence in applying the payment to the patient 's account. As of XX/XX/XXXX, the {$57.00} is in collections with Penn Credit Corporation. Again, this is an invalid/illegal debt collection as the patient has repeatedly called Penn XXXX and wrote to Penn XXXX to resolve this issue ( by providing the proof of payment ). Penn XXXX stated on call that the matter had been resolved, and no further action was needed. Yet, the patient has been sent to 3rd party debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
There is a fraudulent collection account reported on my credit report. I have contacted the creditor, collection agency, and credit bureaus disputing this and requesting proof of my owing this money, but neither party has provided evidence. The credit bureaus keep claiming that they have investigated this and confirmed it, but they have not provided the methods used to verify as I have requested, and the collection remains on my credit report. I have written letters, emails, online disputes, etc. to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
There is a fraudulent collection account reported on my credit report. I have contacted the creditor, collection agency, and credit bureaus disputing this and requesting proof of my owing this money, but neither party has provided evidence. The credit bureaus keep claiming that they have investigated this and confirmed it, but they have not provided the methods used to verify as I have requested, and the collection remains on my credit report. I have written letters, emails, online disputes, etc. to no avail.

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 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the evening of XX/XX/year> I purchased some groceries from food for less and after purchasing. Maybe the next morning, the XXXX  XXXX XXXX and canceled there. Order, the delivery in XXXX told me that I would have to wait 7 days or whenever my bank. No clears the hold and that I would be able to give my money back. Will I have yet to see that money? PayPal has not given me my money. They have taken {$68.00} for me. I canceled the ax them over and over for my money. But they keep on giving me silly information. Silly stuff, they pretty much take my money OK and I know it. I mean, what else just like how they, when a person files a dispute? Okay, they take people 's money. They always tell you. You lost your dispute because they took your money. I've had enough of PayPal. They need to be prosecuted. I need for somebody to look into the situation. I need for somebody to investigate the situation to make sure that they see what PayPal claims. They see, if not, I will prosecute PayPal myself. I'm just about having enough of money being taken out of my account behind. Paypall and you're XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: MD

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN I believe these late payments are erroneous and do not accurately reflect my payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 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: NV

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-12 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-12 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: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Jefferson Capital Systems, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am disputing the collection account with NAVY FCU account number XXXX, dated XX/XX/year>, with a balance of {$2800.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that NAVY FCU provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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 2025-01-12 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I tried to log in to my Netspend account. They sent a verification code. There was no place to enter verification code. Did this three times before a verification code window opened and I entered the final code sent. They automatically locked my account and gave a number to call. I have called over 20 times. I have provided photos of my CA driver 's license, my social security card, and my registration. Mind you, I am in XXXX and am stuck with no access to my funds. I have talked to several Netspend customer service reps. None speak clear XXXX. None have been helpful. I received an email stating they received my documents and it would be 6 hours. I received another saying the documents I sent werte n't 'good enough ', though they list dl, ss card, and anything official with my physical address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and this is all I have on me here in XXXX XXXX XXXX XXXX Netspend has basically kicked me out on the streets of XXXX with no food and my car in the shop awaiting payment from me. Netspend has over XXXXXXXX XXXX of mine frozen. This has been so frustrating and I am about to lose it. I cussed at them and they said " we do not tolerate foul language ''... well, maybe they should get their act together because I am about to XXXX XXXX on Netspend. I have had them since XXXX, I get my pay as a XXXX XXXX XXXX XXXX XXXX deposited, as well as my social security, to my Netspend account.

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