vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
After around 15 years holding my PNC points visa credit card, I was randomly notified that they were cancelling my account due to inactivity with no notice. 

This was my longest standing credit card account and will result in a major negative impact on my credit score due to it significantly reducing my credit history average length.

In addition to this, I had points on that card that could have been redeemed for cash and or gift cards that they claim I can not be reimbursed for. 

I asked them about stopping the closing of the account, reimbursing me for the rewards lost, and notified them how this would negatively impact me. After speaking to a rude supervisor with zero empathy, she stated that just like you can choose to close your account at any time, we can choose to close your account too. She also stated there is no one else to talk to and no one else that can help me.

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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
For a few months now Navy Federal Credit Union has been allowing, after I switched out cards and have card on freeze mode, allowed payments to go thru without my authorization. They say due to it being a XXXX logo 'd card that they are allowed to let the transactions go thru. They also are taking money from my savings, something I didn't sign up for, to make these transactions go thru without my consent. They've also tried to pull payments for things I normally call to pay over the phone in this case being my storage bill. Latest was today while the card was frozen on XX/XX/XXXX. Other dates were on : XX/XX/XXXX for {$12.00} XXXX XXXX for {$19.00} XX/XX/XXXX for {$53.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$27.00} XX/XX/XXXX XXXX XX/XX/XXXX {$29.00} XX/XX/XXXX {$32.00} XX/XX/XXXX. XXXX Savings Account : XX/XX/XXXX {$14.00} XX/XX/XXXX {$51.00} XX/XX/XXXX {$6.00} They are controlling payments that I'm trying to hold on to until I'm financially ready to make the payments or just let them merchants I owe cancel me until I re-up my funds and come back to them later. They're controlling my money. I've never experienced anything like this. It's keeping me from getting by day to day, especially right now while I'm between jobs. All this mainly while my card is frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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 — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Toyota is showing late payments and I had no late payments. My payments were on a deferment.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently disputed a bankruptcy record on my consumer report over three times with Experian asking for verification of this public record and how it was verified and validated. Even though failing to provide this information they continued to report this unverified error on my consumer report. On its site it states Public records come from XXXX XXXX I reached out to XXXX XXXX and they verified it was an error and deleted the record from my report with them. Further investigation I contacted the court where this record came from and it states it does not report to consumer reporting agencys or verify records to them. I provided all this information to Experian and they still chose to violate my consumer rights to a Maximum accuracy on my report not 80 %, not 99.99 % definition of maximum is 100 %. Without this record being verifiable it constitutes Experian choose to bluntly violation the laws of the FCRA.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a plane ticket through Capital One. ( XX/XX/year>XXXX   ) I needed information on the plane ticket altered. ( Name Alteration ) A XXXX AI search result actually turned up a bogus number. 
When communicating with the bogus company on the phone I thought I was communicating with XXXX XXXX or a XXXX XXXX XXXX. 
I ended up paying {$190.00} for a name change on a XXXX XXXX ticket, that I purchased through Capital One. 
I paid over the phone with a Capital One credit card. 
I realized my mistake immediately and called to alert Capital One the same day. 
The representative told me to wait for the payment to post and then file a dispute. 
I waited, and filed the dispute online. 
I was asked to provide documentation of my communication with the merchant, a scam travel agency called " XXXX XXXX ''. I provided emails on XX/XX/year>XXXX  that showed the email verifications I received fro " XXXX XXXX '' which were unbelievably fraudulent. Icons of fighter jets, egregious spelling mistakes, ect. 
This was not enough to convince Capital One that this transaction was fraudulent. 

On XX/XX/year>, I called Capital One again about the dispute case, this was my third or fourth call. The agent recognized the following facts : - I had purchased the XXXX XXXX ticket from Capital One - Only Capital one would have been able to alter the ticket information - They understood I thought I was talking to XXXX XXXX or a subsidiary of XXXX XXXX when I made the purchase from " Airfare Charge '' - It would have been impossible for " XXXX  Charge '' to alter a ticket purchase on a XXXX XXXX ticket that I had purchased through Capital One I ended up losing the dispute for failure to provide documentation that I had contacted " XXXX  Charge '' and tried to cancel the {$190.00} name alteration, on a XXXX XXXX XXXX purchased through Capital One. All agents I had spoken to on the phone identified how they knew this was fraudulent, the final agent, on XX/XX/XXXX, identified that it would have been impossible that anyone other than Capital One could change that information. Still I lost the dispute for failing to prove the charge was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
inaccurate and incorrect information on credit file and requested to freeze my account online several times with no success.

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: Experian Information Solutions Inc.
State: PA

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 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: PA

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

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

Complaint narrative:
XXXX has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, where XXXX has neither corrected nor removed or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer

Company public response: Company disputes the facts presented in the complaint
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: IL

Complaint narrative:
am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax Trans Union and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax Trans Union and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX ( Dates are incorrect and comments ) XXXX. XXXX student loans ( dates, comments, months and amounts ) XXXX. XXXX XXXX ( dates and months are wrong ) XXXX. XXXX ( dates, amounts, comments ) XXXX. XXXX  ( dates and amount are wrong ) XXXX. XXXX  ( dates and comments ) XXXX. XXXX XXXX ( Dates and comments ) XXXX. XXXX ( dont recognize the account ) XXXX. XXXX XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX  XXXX ( account numbers, dates, amounts, comments ) XXXXXXXX XXXX ( dates, amounts, comments ) XXXX. XXXX XXXX ( Dates, comments, amounts ) XXXX. XXXX XXXX XXXX ( Dates, amounts, comments ) XXXX. XXXX ( amounts, dates, comments, ) XXXX. XXXX XXXX ( dont know anything about this account ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( Comments, dates, terms ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Never opened an account ) XXXX. XXXX XXXX  ( XXXX know anything about this account ) XXXX. XXXX ( incorrect information ) XXXX. XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX XXXX ( different account numbers, dates, comments ) INQUIRIES : 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 These accoounts, dates, amounts and comments are wrong some accounts have different amounts. A couples of accounts I do not recognize. I have ask for an investigation since XX/XX/XXXXXXXX  and nothing has been resolved.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF Items TO BE REMOVED XXXX XXXX XXXX BALANCED {$4600.00} XXXX XXXX XXXX BALANCED {$1400.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$7900.00} XXXX  XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXX BALANCED {$6600.00} XXXX  - XX/XX/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 These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX  XXXX **** Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation