vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX My debit card was stolen by an acquaintance after I used it in the gas station atm. I had given the person a ride to their house. I came home and about an hour later received a fraud text alert. I called immediately and said turn it off. Initially I thought it must been a credit card but it was a debit, Im assuming they used their phone to zoom in when I used the atm. They physically had the card. They did balance inquiries which I have never done since I opened the account in XXXX or XXXX. This person has never used my card before, if they were to look back. The person also used a XXXX XXXX atm and made 2 separate withdrawals. One for {$200.00} and another for {$500.00}. Im sure they can get video of that. I filed a police report 2 days later bcz our police was too busy the next day after this happened. Navy Federal did put a provisional credit on the account. I got an alert I was overdrawn. I called them and was told they dont know why it was denied bcz its XXXX that did it. I submitted an appeal XX/XX/XXXX and they auto replied they dont know when they will process it but it will be in order received. That was unacceptable. Then was advised to message them thru the message chat on their website and they would be able to provide that information. Today I received a message back that said : Our information contradicts your claim of unauthorized activities. I have no idea what contradicts anything. I have never over drafted or filed any claims.

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 2025-04-03 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: CO

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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
FCRA Dispute Re-aged Collection Account To Whom It May Concern, I am writing to dispute a collection account appearing on my credit report : Creditor Name : JEFFERSON CAPITAL SYSTEMS LLC Account Number : [ UNKNOWN ] This debt is reported as being 2 years and 3 months old, but the original date of delinquency was over 7 years ago and was the original creditor was XXXX XXXX Per the Fair Credit Reporting Act ( Section 605 ( c ) ), negative accounts may only be reported for 7 years from the original date of delinquencynot when the debt is sold to another agency. 

Please investigate this matter and remove this account from my credit report immediately. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  Ca, XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NowackHoward LLC
State: GA

Complaint narrative:
I am writing to express my deep frustration and anger regarding the ongoing situation with my homeowners association ( HOA ) and their attorney, XXXX XXXX XXXX NowackHoward, LLC. Despite my repeated requests for documentation pertaining to the alleged debt owed to the XXXX, I have been met with a wall of resistance, ignored requests, and outright denial of my rights to receive crucial information. 

Currently, the XXXX is attempting to collect a debt of {$3200.00}, and I have received threats of foreclosure on my home due to this alleged debt. I find it unconscionable that it has escalated to this point, especially when I have been consistently denied the opportunity to verify whether the XXXX made any legitimate attempts to inform me of the debt prior to these harsh measures. 

Ive made numerous attempts to request documentation from XXXX XXXX XXXX regarding proof of attempts made to contact me about the debt. Unfortunately, she has repeatedly ignored my inquiries, dismissed my concerns, and has flatly stated that she is not obligated to provide supporting documentation. This refusal only adds to my distress, as I am left in the dark regarding my rights and the actions taken against me. 

The lack of communication from the attorney is not only frustrating but unacceptable. I am left to question if the XXXX followed proper procedures before threatening such serious actions against my home. I deserve to know whether I was notified in accordance with consumer protection laws regarding this debt, especially when facing potential foreclosure. 

Given the seriousness of this matter, I urge the CFPB to investigate this situation and the actions of NowackHoward, LLC. I want to ensure that my rights are upheld and that proper protocols are followed in the collection of debts, particularly when such extreme measures as foreclosure are being considered. 

Thank you for your prompt attention to this matter. I look forward to your response and any assistance you can provide in this dire situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Yesterday, XX/XX/XXXX I received an email from Chime Member Services which stated that my Chime account had been closed effective immediately with no further explanation. This action coincided with two complaints that I recently filed with both the CFPB and the XXXX  regarding a dispute that I filed in relation to an unauthorized Pay Anyone transfer that was denied despite having previously successfully disputed some Pay Anyone transfers made to the very same phone number recipient as the recently denied dispute. I decided to go through with submitting the complaints because at that point I felt that there was no other recourse that would assist with recovering the money that was taken out of my account without my knowledge or consent. As a Chime member since XXXX I was confounded to learn of the closure of my account without any warning and to have it happen the day after submitting the complaints makes it very difficult to not feel as though it was done in retaliation for expressing my frustration to an outside agency over the inconsistent dispute results and for so far being unable to recover the money that was taken from my account. As I mentioned Ive been a Chime member since XXXX and to feel as though Im being punished for attempting to seek reimbursement of funds that were stolen from my account isnt right and I hope that the dispute that I referred to in this complaint can be reconsidered as well as being able to have my account reactivated so that I can continue to use Chimes services moving forward given the fact that aside from being the victim of unauthorized account activity there is nothing that would have led to the closure of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Branch Location Visited : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX Issue Overview : On XXXX XXXX, 2025, I deposited a {$8000.00} check into my XXXX XXXX checking account. XXXX initially said the funds would be available by XX/XX/year>2025. 
However, the bank : -Extended the hold until XX/XX/year>2025, without giving me a written reason. 
-Suspended all access to my account on XXXX XXXX2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-03 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX  - XXXX Unknown - XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-04-03 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
( My XXXX XXXX XXXX Account XXXX XXXX ) is showing XXXX XXXX day late payments account was never late and paid off in full the late payments are hurting my credit score please remove late payments and update account to a positive status. Only transunion and XXXX are showing the negative remark XXXX has everything up to date and showing the correct information.

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 2025-04-03 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:
( My XXXX XXXX XXXX Account XXXX XXXX ) is showing XXXX XXXX day late payments account was never late and paid off in full the late payments are hurting my credit score please remove late payments and update account to a positive status. Only XXXX and Equifax are showing the negative remark XXXX  has everything up to date and showing the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-03 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: AZ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX  unexpectedly and without warning placed a permanent limitation on my account and discontinued my access to their services. I received an email from XXXX  stating that the decision was due to the " nature of [ my ] activities '' and referencing their User Agreement, but they provided no specific information or evidence of wrongdoing. To my knowledge, I have never violated any terms of service or engaged in any prohibited or suspicious activity. I use XXXX  for standard, personal transactions and have always complied with their rules. I have reached out to XXXX  requesting clarification and an opportunity to correct or respond to any alleged issue, but they have not provided any meaningful explanation or path to resolution. I am now unable to access my account, and although they say I can transfer the remaining balance, I do not currently have access to do so. I believe this decision was made in error, and I am asking for : 1 ) A clear explanation of the reason for the account limitation 2 ) Reinstatement of my account or a fair opportunity to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I had XXXX account with Chase Bank XXXX Business XXXX personal on Tuesday XX/XX/XXXX with out reason all XXXX of my accounts were restricted, I called my local branch for answers they couldnt give any but gave me another number to call, I called the number and the only thing they would tell me is they were ending the relationship with my and my businesses and they would be sending g checks in the mail for the balances in my accounts ( over {$59000.00} between my accounts ) they said I should have my cashiers check in XXXX to 10 days so far I have received XXXX of XXXX checks in the amount of {$300.00} while I continue to get the run around from chase about the rest of my funds I have a small business to run and need my funds not to mention the large amount I had in my personal account.

Company response to consumer: Closed with explanation