vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year> I got a call from navy federal asking for my bank information ( I got proof of the fake number ) I gave it to them and I didnt realize it was a fake number till On XX/XX/year> someone hacked my XXXX XXXX XXXX account and deposited {$25000.00} out of my account using a third party, I did not authorize that transaction I was at work that day.I emailed XXXX XXXX XXXX for a refund and they told me the transaction was in XXXX XXXX XXXX Ive never been to XXXX XXXX XXXX They also told me that its my fault if it was fraud or not because they got into the account so its my responsibility, that isnt right cause people can easily hack into your emails and accounts without you knowing that they have your information .I then tried to dispute the charge through my bank ( Navy Federal ) and they denied me because I used that app before, I only used it one time before that too.Its not right because the fraud department looks at if youve spent money at that place before and instantly denies the claim thats not right. Fraud can still happen at any moment at the same place especially if its online.Seems like they didnt really try to investigate the situation. I Appealed the claim and is currently waiting on there response, I dont think they are taking it seriously thats why Im making a cfpb complaint. Hopefully you guys can help get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX DEPT OF XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  CRD - XXXX - XXXX XXXX FUNDING - XXXX XXXX  RM - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX DEPT OF XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  CRD - XXXX - XXXX XXXX FUNDING - XXXX XXXX  RM - XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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, 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 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 2025-03-20 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, 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 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 2025-03-20 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:
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 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 2025-03-20 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-20 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: LA

Complaint narrative:
Dear CFPB Team, I hope this letter finds you well. I am writing to request your assistance in verifying whether there is any business credit associated with my name. I am concerned that there may be unauthorized accounts or credit inquiries that I am unaware of, and I want to ensure that my credit profile is accurate and secure. 
Please find my personal information below for your reference : Full Name : XXXX XXXX XXXX Social Security Number : XXXX ( only include if necessary for identification ) Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had this Chase credit card for approx XXXX years, and frequently make large payoffs. I sent a large payment to pay off this card and bring it to a XXXX balance, and without any notice that anything would be different, Chase has decided to remove the cash from my bank account, but not release it onto my card for nearly XXXX weeks. This is leaving me in a position where I have no access to money and cant pay my bills as the cash is gone from my account, yet they arent letting me use the large balance on my credit card. I have called multiple times and spoke with multiple people and they tell me there is nothing they can do for me and the balance will be released next week sometime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I am writing to formally follow up on my previous dispute regarding an unauthorized account ( XXXX Account XXXX XXXXXXXX ) that continues to be inaccurately reported on my credit file. This account was reported without my permission or written consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. XXXXb ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I never authorized or provided written consent for this account to be reported, meaning its presence on my credit file is unlawful. Additionally, under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of this unauthorized account is a direct violation of this provision. I have already disputed this account with all three major credit bureausEquifax, XXXX, and XXXX. While XXXX and XXXX have deleted the account from my report ( see attached doc ), Equifax continues to report it, despite my formal disputes and the fact that the other bureaus have already removed it. EquifaxXXXX  failure to conduct a proper reinvestigation, as required under 15 U.S.C. XXXXi ( a ), is a clear violation of my rights. The inconsistency between the bureaus further demonstrates EquifaxXXXX failure to ensure the accuracy and fairness of my credit report. This ongoing inaccurate reporting is causing me unnecessary hardship, including potential denial of credit opportunities and financial distress. Despite multiple attempts to resolve this issue directly with Equifax, you have continued to report the account without justification, failing in your duty to maintain a fair and accurate consumer credit file. I demand that Equifax immediately remove this unauthorized account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
XXXX XXXX {$6900.00} XXXX It is also my understanding that Under the FCRA 15 U.S.C. XXXX XXXXi, every single XXXX even each any or all of the unproven. non-compliant. incomplete. untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2025-03-20 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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Roach & Murtha XXXX XXXX  at XXXX, P.C. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Telephone : XXXX On XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX. of Roach and Murtha XXXX at Law file the civil suit and the Civil Court of the City of New York. The summons was left on my doorstep which violates my privacy as anyone who passed my relatives doorway could visibly see my financial information. I'm already a victim of my identity theft. I answered the summons on XX/XX/XXXX of XXXX. In addition, on XX/XX/XXXX of XXXX I sent a cease and desist letter to Roach and Murtha XXXX at XXXX. I continue to receive by mail and certified mail communications from this attorney regarding the civil suit. I have contacted the attorney for XXXX to express my concerns of the violation of my privacy as well as their harassment. On XX/XX/XXXX of XXXX, I was declared XXXX by the Social Security XXXX due to being assaulted and XXXX and receiving both physical and mental harm. Following the attack, my bank account was hacked XXXX times, and my bank account was closed. I had no access to money. On XX/XX/XXXX, I suffered a XXXX which left me physically XXXX. I am currently receiving XXXX benefits from the XXXX XXXX XXXX. This information has been provided to the attorney firm and they continue to harass me and have sent various written communications to an address where I do not live. Therefore, I would like to file a complaint against XXXX XXXX, XXXX and XXXX XXXX XXXX for their continued harassment and trying to collect a debt. Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX CXXXXe XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is Located XXXX XXXX XXXX New Jersey XXXX Along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX, XXXX - XXXX. Withheld the sale price to XXXX after the credit score. In XXXX, according to XXXX XXXX XXXX, a XXXX XXXX XXXX XXXX with XXXX miles had a resale value of around {$9200.00} and a trade-in value of around {$4700.00}. XXXXXXXX XXXX XXXX XXXX  charged my Son and Me a loan for the XXXX of {$30000.00} with XXXX XXXX with a XXXX Interest Rate, a Finance Charge of {$15000.00}, Amount Financed of {$290000.00}, Total of Payments of XXXX, XXXX, Total Sale Price of in which they lied that I put {$2000.00}, make it {$47000.00}. This car has been paid off, and I should be paid back {$16000.00} more from the balance. All payments are stopped until final resolution of my claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX requested closing documents for clients XXXX XXXX and XXXX XXXX, who were working with XXXX XXXX, Branch Manager at AnnieMac Home Mortgage ( XXXX XXXX XXXX ). My initial email request was ignored, so I followed up the next day and sent XXXX a text, noting that I hadn't received a response. She later replied via text, stating that our insurance quote was " too high, '' which led them to refer the clients elsewherewithout even consulting us to explore potential rate adjustments. Additionally, she was steering the clients toward her preferred referral partner without holding any type of insurance license. It is important to note that lenders are not legally permitted to discuss insurance coverages and rates without the proper licensing. On top of that she was confusing the client when being up a new quote, H

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
As of now, my outstanding balance, which has become financially overwhelming for me. This high debt has affected my ability to maintain my regular monthly payments and has begun to create significant stress in my personal financial situation. 

Given my circumstances, I would like to request your consideration in assisting me with some form of relief or restructuring for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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