vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified, corrected or deleted : XXXXXXXX XXXX  ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$12000.00} past due. Please verify the accuracy of this information. XXXX XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$780.00} past due. Please verify the accuracy of this information. XXXX ( Account # XXXX ) Collection account with a {$4800.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXXXXXX XXXX ( Account # XXXX ) Collection account with a {$910.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX ( Account # XXXX ) Collection account with a {$430.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation

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 2025-03-12 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: MD

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified, corrected or deleted : XXXXXXXX XXXX  ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$12000.00} past due. Please verify the accuracy of this information. XXXX XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$780.00} past due. Please verify the accuracy of this information. XXXX ( Account # XXXX ) Collection account with a {$4800.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXXXXXX XXXX ( Account # XXXX ) Collection account with a {$910.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX ( Account # XXXX ) Collection account with a {$430.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been out the country for 15 years and got lots of credit cards on my name

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 2025-03-12 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: FL

Complaint narrative:
I am being reported negatively to the credit bureaus by XXXX for student loans being delinquent. I have never taken out student loans and when trying to log in to find information on XXXX website I can not gain access due to my personal information not being on file. Can not log in to " personal account ''. I get a message saying my social security number and personal information are not in the system. I need this removed from my name immediately as it is a clear case of identity theft. I never received as federal student loan payment from this or any other company.

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 2025-03-12 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: FL

Complaint narrative:
I am being reported negatively to the credit bureaus by XXXX for student loans being delinquent. I have never taken out student loans and when trying to log in to find information on XXXX website I can not gain access due to my personal information not being on file. Can not log in to " personal account ''. I get a message saying my social security number and personal information are not in the system. I need this removed from my name immediately as it is a clear case of identity theft. I never received as federal student loan payment from this or any other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX I deposited XXXX into the chase bank ATM machine inside the bank located on XXXX XXXX in XXXX XXXX XXXX. As soon as I attempted to make the deposit the ATM jammed and tried to eject my money stating that the machine can no longer take deposits and a 1800 number appeared on the screen. My money is stuck in the machine. I was inside the bank and notified XXXX different employees including the manager and stood at the ATM for about 30 minutes waiting for help. At that point I called customer service from inside the bank and filed a claim. I deposited everything I had into that ATM and now they are claiming they can only find {$200.00} but are still investigating. The money I deposited was to move with and I needed to pay the rent online to secure my apartment and now my children and I are homeless waiting for the bank to handle this investigation. I do not believe they are taking it seriously because a simple audit would should the amount I deposited or even a service tech but the bank continued to let people use the ATM and basically ignored me. I need to secure a home by next week because as I stated my kids are now homeless and my {$3400.00} is in that ATM machine. I will provide any information needed to help move this forward, in desperate. Please contact me at XXXX The return of my {$3400.00} asap because my family is now homeless. Send a service tech, an auditor or count down the ATM and verify that the {$3400.00} is there. The bank employee states that I didn't need to stand at the ATM any long because the money won't come out so obviously it's still in the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I have received a copy of my credit report and noticed that there were several inaccuracies and unauthorized information reporting to my credit report. These remarks have been so dissatisfying to my credit and life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I have received a copy of my credit report and noticed that there were several inaccuracies and unauthorized information reporting to my credit report. These remarks have been so dissatisfying to my credit and life.

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 2025-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
comenity capital XXXX is stating this was a charge off but i paid this bill in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me

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 2025-03-12 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCT ( Original Creditor : 1XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCT ( Original Creditor : 1XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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.

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 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: UT

Complaint narrative:
MY IDENTY WAS STOLEN A FEW YEARS AGO. SINSCE THEN I HAVE BEEN FIGHTING TO RESTORE MY CREDIT AND GET THESE FRAUDULENT ACCOUNTS OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have inquiries on my credit that's not correct for XX/XX/2024 and XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Complaint to CFPB Regarding XXXX XXXX XXXX XXXXXXXX Account Fraud Claim Denial We are filing a complaint against XXXX XXXX XXXX regarding the wrongful denial of our fraud claim. On XX/XX/XXXX, our company vehicle was broken into at the home of XXXX XXXX, owner of XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A check from our business account was stolen during this incident. On XX/XX/XXXX, the perpetrator, XXXX XXXX XXXX, who has no affiliation with XXXX XXXX and no personal connection to any of us, forged a signature and fraudulently cashed a {$5000.00} check without authorization. 

After discovering the theft, we immediately contacted XXXX XXXX XXXX  on Monday, XX/XX/XXXX, to report the incident, yet the bank claims no record of this call. We also promptly filed a fraud claim and a police report on XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX, visited the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, where Branch Manager XXXX XXXX assisted with the initial fraud claim. After receiving a denial letter later that month, we appealed the decision. XXXX XXXX XXXX  informed us that the investigation would take XXXX months, and we followed up monthly for status updates. In XXXX and XX/XX/XXXX, we contacted them again, and in XX/XX/XXXX, we were once again informed that the claim was denied, despite clear evidence of fraud. 

On XX/XX/XXXX, we visited XXXX XXXX XXXX and spoke with XXXX XXXX, XXXX XXXX XXXX, requesting a second review of the decision. She assured us that the case would be escalated for further investigation, but XXXX days later, she returned with the same denial. Seeking additional information, we visited XXXX XXXX  on XX/XX/XXXX, where we spoke with XXXX XXXX XXXX, Relationship Banker II, to determine if XXXX had any further details about the fraudulent deposit. XXXX XXXX  fraud department informed us that, because the check was deposited via mobile banking, they had limited information about the transaction.

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 2025-03-12 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
XXXX closed my account for buying and sending cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I initiated a XXXX  transfer of USD XXXX from my XXXX account in the U.S. on Sunday XXXX XXXX to my XXXX XXXX  account in XXXX. Both the source account in the U.S. and the XXXX XXXX  account in XXXX are under my single ownership. My XXXX XXXX  account in XXXX was suppose to receive INR  XXXX ( appx. ). But the amount has not been credited by XXXX  as promised. However, the XXXX XXXX on the XXXX  Account online shows that money has been deposited. I have raised a formal complaint with XXXX, written multiple emails over the past couple of days and also spoke with their customer service. XXXX  asked for my XXXX XXXX  statement from the date of transfer XXXX XXXX till my date of communication XX/XX/XXXX, and I have supplied that as well. Yet, neither the issue has been resolved nor I have heard back from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
ACCOUNT # XXXX XXXX just lettin you know I dont agree with the debt under the Fair Debt Collection Practices Act I dont need no extra proof or paperwork just makin sure you know I dispute it Only time to hit me up is through email Monday to Friday XXXX to XXXX east coast time Dont bother callin leavin voicemails or sendin mail through XXXX XXXX XXXX or whatever Its just a hassle for me Appreciate you understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX : account XXXX XXXXXXXX / XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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