vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. XXXX  actions may also have contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts of which I have had problems with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
ACCOUNT NUMBER : XXXX BALANCED : {$410.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently response within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure XXXX complies with all federal law and provides consumers with the necessary proof of investigation.

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 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Citi Bank regarding the mishandling of my account, which has resulted in significant financial harm, emotional stress, and physical strain due to the XXXX XXXX XXXX XXXX XXXX XXXX The following is a detailed account of the events and their impact : Timeline of Events Account Opening and Initial Issues ( XX/XX/year> ) : I visited the XXXX XXXX, Florida branch ( located on XXXX XXXX XXXX ) to open an account and deposit a settlement check. 
Upon arrival, I experienced poor customer service. A teller informed me that no appointments were available and suggested I go to XXXXXXXX XXXX  instead. 
I walked to XXXXXXXX XXXX which is next door, only to discover they were appointment-only. I returned to Citi Bank 20 minutes later, where I was eventually able to open the account. This misinformation and lack of assistance caused unnecessary physical strain as I was forced to walk further while already dealing with XXXX injuries. 
Settlement Check Cleared ( XX/XX/year> ) : The settlement check I deposited into my account was cleared on XX/XX/year>. The representative who opened the account had instructed me to temporarily use a secondary phone number until my primary number was activated. 
Account Flagged for Fraud ( XX/XX/year> ) : On XX/XX/year>, my account was flagged for fraud after I updated my phone number, as advised by the Citi Bank representative. 
I received a text message confirmation from Citi Bank indicating that my phone number had been successfully updated. 
However, when I contacted the fraud department on XX/XX/year>, I was informed that my information could not be verified with what they had on file. This inconsistency caused confusion and further delayed resolution. 
Impact of Citi Banks Actions : On XX/XX/year>, I was in the process of securing a loan against my savings account to address urgent debts and protect my principal. The account freeze and conflicting information from Citi Bank representatives caused me to miss the loan deadline, resulting in financial losses. 
The inability to access my funds left me without money for transportation, forcing me to walk to resolve the issue. This physical strain worsened my existing XXXX injuries. 
The delays also caused me to miss an opportunity to purchase equipment critical to my trucking business, as I was negotiating the purchase of a semi-truck at the time. 
The stress of these events compounded my physical and emotional distress.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I recently reviewed my credit report. I am in shock that I may have been a victim of identity theft. I found many accounts on my credit report that were not opened by me, this has hurt me as a single mother of XXXX and I am trying to purchase a home for us. Please remove all fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
hello, this people or company is trying to put a collection on my credit report, that I don't know who they are, I never done or work or have or had any type of deal or business with them, I call XXXX to file a collection dispute, and XXXX was the one that told me about this website, XXXX XXXXXXXX request for your help with this case please, I never leave anywhere else besides XXXX, FL this delinquent company is saying that I have a home address in Texas, which I never leave or stay in Texas, I can send you my Driver License or Social Security card or my Home Mortgage information of mine ONLY property I ever had. 

thank you very much 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 2025-01-27 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: NC

Complaint narrative:
I I'm Livid!!!! I have sent in multiple letters to Equifax within the last the last 5 months asking them to Remove accounts. In those letters i explained to Equifax that there were multiple accounts on my credit report that were inaccurate or never belong to me at all. Each time Equifax respond back they would say the account was Verified. I never believed that Equifax followed the laws and procedures while determining those accounts were valid therefore when I wrote my letter to them on XX/XX/XXXX I asked Equifax to thoroughly investigate my accounts, comparing what they have on file to what the furnishers have, I also asked them to record dates, times and names of persons talked to that actually Validated the information. Instead of doing this Equifax has given out MY ADDRESS to all the furnishers that claimed those accounts were mine. In other words, none of those accounts I was disputing had my address until Equifax gave it to them... so now I'm receiving random letters from Companies i have never did business with. This was an intentional and deliberate act from Equifax. Equifax should be SUED IMMEDIATELY for providing my information to these Furnishers!!! This was Wrong!! They literally have given out my address to companies I never had any form of credit with. Those companies are now all of a sudden sending harassing letters to my address with my name on it asking for money. Each time I sent my dispute to Equifax i sent XXXX forms of ID including driver 's license, social security card and a bill to confirm the who i am. Equifax has now SHARED that information with the Furnishers i was disputing instead of simply comparing names and addresses and this is illegal!!!!!! I DEMAND XXXX XXXXXXXX XXXX XXXX XXXXXXXX AND XXXX BE REMOVED IMMEDIATELY!!!!!!!! VIOLATION OF FCRA. 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I OBTAINED A CREDIT REPORT FROM EQUIFAX INFORMATION SERVICES LLC, REPORT # XXXX. AND I SEE A inquiry from XXXX XXXX ON XX/XX/year>, XX/XX/year>. I HAVE NEVER CONTRACTED WITH XXXX XXXX TO FURNISH ANY TYPE OF REPORT TO ANY COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breech after reviewing my credit reports I noticed some accounts I am not familiar with I have asked the CRA 'S for validation of debt however the information has not been provided, due to my information being exposed I have submitted a FTC complaint report the information please find attached copy of XXXX Report showing my information being named in the data breech

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breech after reviewing my credit reports I noticed some accounts I am not familiar with I have asked the CRA 'S for validation of debt however the information has not been provided, due to my information being exposed I have submitted a FTC complaint report the information please find attached copy of XXXX Report showing my information being named in the data breech

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
inquiry no authorizer : XXXX XXXX XX/XX/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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX, am formally invoking my rights to equitable subrogation and substitution as they pertain to the accounts ending in XXXX and XXXX referenced in Capital Ones prior correspondence. This notice serves as a demand for full accounting and reimbursement for any securities, collateral, or chattels tied to these accounts and any unjust enrichment derived from them. 
Basis of Subrogation and Substitution : I have made consistent attempts to dispute the validity of the debts and have not received sufficient documentation or evidence proving the legitimacy of the claims against me. 
Under the doctrine of equitable subrogation, I am asserting my right to step into the position of the original holder of the security interest or lien, given the lack of clarity, fraud, or mistake that has affected the reporting and handling of these accounts. 
I am invoking my rights as a consumer and requesting the return of securities, collateral, or other chattels used to secure these accounts. 
Requests for Documentation : To proceed with the resolution of these matters, I demand that you provide the following : The full ledger of transactions associated with accounts ending in XXXX and XXXX, including all debits, credits, fees, payments, and interest calculations. 
Copies of all original agreements or contracts associated with these accounts, including the signed application forms. 
Documentation or records identifying any securities, collateral, or chattels tied to these accounts and the disposition of such assets. 
Proof of any transfers, assignments, or sales of these accounts to third parties, along with the exact amounts received or credited. 
Notice to All Parties : This notice applies to all involved parties, including but not limited to Capital One, XXXX, XXXX, and XXXX, regarding the handling, reporting, and resolution of these accounts. I expect all parties to cease adverse reporting or collection efforts until these matters are thoroughly investigated and resolved. 
Equitable Remedies and Legal Recourse : If my demands for subrogation and substitution are not honored, I will pursue additional remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages, securities, and unjustly withheld property.

Timeframe for Response : I request a written response and the provision of the requested documentation within 30 days of your receipt of this notice. Failure to respond will result in further actions, including but not limited to escalation to federal or state regulatory bodies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charge fees due to lagged posting of charges and credits. This issue alignswith the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account number : XXXX Amount balance : {$2500.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-27 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: IL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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