vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
I am filing a formal complaint regarding XXXX XXXX XXXX, the management company of the apartment complex located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My husband, XXXX XXXX ( XXXX XXXX military ), and I were required to terminate our lease early due to military XXXX XXXX. In good faith, we paid {$2000.00} to cover all remaining rent, utilities, and any potential final charges through the end of the lease, based on an agreement made with the management office. This payment was made under the understanding that it would settle all outstanding obligations. 

At the time of move-out, the management office was experiencing internal disorganization, including a change of management and a system outage. As a result, they did not provide us with any formal move-out documents, final statements, or signatures confirming the lease termination or XXXX balance. 

No warning was provided that additional charges could be assessed later. No mention was made of a potential Lease Termination Fee. We acted in good faith to resolve all financial obligations at the time of departure. 

However, we later received notice from a collection agency ( National Credit Systems ) claiming an outstanding balance of {$170.00}, allegedly for a Lease Termination Fee. Management never provided a detailed breakdown explaining how our {$2000.00} payment was applied, despite multiple requests. They transferred the alleged debt to a third-party collection agency without proper notification, violating consumer rights and potentially the Servicemembers Civil Relief Act ( SCRA ). 

I respectfully request : An immediate investigation into XXXX XXXX XXXX practices, That this matter be corrected to reflect that no balance is owed, That any negative reporting to credit bureaus be prevented or removed, XXXX XXXX XXXX XXXX be required to properly account for the payments and document their actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When I log into https : //ciam.tui.transunion.com/realms/TransUnion/protocol/openid-connect/auth? response_type=code & redirect_uri=https % 3A % 2F % 2Fservice.transunion.com % 2Fdss % 2Flanding.page & state=Oko7lYsqCUGPdc5MlOQ_xWubynLctJy2h5nKtX3_KCo & client_id=Phoenix & scope=openid & redirectedFromSite=DSS : Mon % 20Apr % 2028 % 202025 % 2012:51:14 % 20GMT-0400 % 20 ( Eastern % 20Daylight % 20Time ) and I click the dispute option it doesnt work. It gives me this error message : We're unable to complete your request online. 
Please try your request by phone or mail. 
What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX  - XXXX XXXX  ET. 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX  - XXXX XXXX  XXXX, or dispute by mail. 

When you call the number it doesnt work and hasnt worked for Atleast 2 months now. It use to work, before you would call and they would fix the issue the same day. I have called this from multiple numbers it doesnt work and i cant access my report on this website from TransUnion . I have called TransUnion to tell them the number doesnt work, and they dont do anything. The number doesnt work for nobody.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: WV

Complaint narrative:
Halsted Financial Services emails me every day about a debt with XXXX XXXX XXXX  for the amount of {$1100.00}. This company consistently emails me about this debt. Since I have not responded to the harassment of emails, Halsted Financial Services has decided to email my grandmother 's email address multiple times with the most recent email on XX/XX/year> concerning my XXXX XXXX XXXX  account. The email that my grandmother receives contains my name, the original creditor, reference number, original creditor account number, current discount offer, and total balance due. All of this information is my personal and financial information regarding this account. Halsted Financial Services should not release my information to any other person about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: OK

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/XXXX I applied for a debt consolidation loan. My mom co-signed for me and the lending institution deposited the funds into her XXXX  XXXX XXXX account. 

Chase said, on more than one occasion, that they can not verify funds were released because XXXX  XXXX XXXX does not do bank to bank verifications. My mother confirmed that XXXX XXXX XXXX released the funds XX/XX/XXXX, when I electronically deposited the check. 

Chase is withholding the funds and have even asked several times what the check was for. It shouldn't matter what it is for if it is from a trusted source ( I have deposited checks from her in the past ). 

My Chase checking account is overdrawn by {$470.00} ( no ones fault but my own ) but I took the necessary steps to try and remedy that issue as well as pay off the high interest loans I have been stuck in for months. 

This is causing great stress as I have XXXX funds available for any of life 's necessities let alone to use the money as intended to stop the high interest loans. 

I strongly feel Chase should be responsible for any interest that accrued on those loans while they refused to release the money. 

I was able to reach a supervisor who took additional steps to have the funds released, but that was 3 business days and several calls after the fact. 

BUYER ( Banker ) BEWARE! And apparently, dont wait to ask for supervisor!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-28 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: TX

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian 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 XXXXXX/XX/XXXX TransUnion 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 Equifax 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  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MI

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 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 2025-04-28 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 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 2025-04-28 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/year> {$710.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have tried to use my cards at XXXX, Delta, XXXX, and each time they are declined. I am beyond frustrated and the amount of time spent to resolve this is insane. Again today I was on with Amex call center and Delta. The card is declined on Delta-they say it's Amex who declined the transaction. Amex says it's Delta who is pre-authoriziing more than the transcation amount. Delta states this is not true. It's a circus. 

Your call center handling inquires talked over me, refused to escalate my issue and is extremely hard to understand. I was advised to use my card for {$410.00} to avoid the " incidental fees '' associated with a hotel reservation. I am not making a hotel reservation! I am trying to make flight reservations. Regardless, the cards have been declined everywhere. The call center agents " can't see '' the declined retail store transactions because the merchant is declining them. 

I have attached an email with details and my 4 hour chat which provided no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: WI

Complaint narrative:
My personal information was compromised and after filing complaints with Equifax and Transunion, they are constantly saying that they can not locate my credit profile. I've given them everything they need to verify my identity. I went ahead and disputed these same accounts with XXXX and they removed the accounts. I am requesting that you all XXXX bureaus also remove these accounts from my file. 

XXXX ACCT # : XXXX, Bal- {$7400.00}, Opened : XX/XX/XXXX XXXX XXXX ACCT # : XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$1300.00}, opened : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: WI

Complaint narrative:
My personal information was compromised and after filing complaints with Equifax and Transunion, they are constantly saying that they can not locate my credit profile. I've given them everything they need to verify my identity. I went ahead and disputed these same accounts with XXXX and they removed the accounts. I am requesting that you all XXXX bureaus also remove these accounts from my file. 

XXXX ACCT # : XXXX, Bal- {$7400.00}, Opened : XX/XX/XXXX XXXX XXXX ACCT # : XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$1300.00}, opened : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Around XXXX XXXX, i submitted a verification document ( ssn ) to prove my indentity to american express for my business checking account, regarding beneficial ownership. They claimed it was never received. I have literally called their main business hotline every week to find a resolution as to my account suspension. Every single week i called, i was told that sending my document verification would release the suspension. Over the course of 2 months, i was given 4 different fax numbers to send my document to. ( Why A large company like american express doesnt allow online upload is beyond me ). 

I have verification of faxes sent, at least 3 times, with an attached cover letter with my last four ssn, and last four account number digits. Dates include XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

Every time i called Amex, which is no less than 10 times, i asked how could i verify that they received my document, and in summary, i was told that there was no way to ensure refeipt of any document submitted. I check my email today, XX/XX/XXXX, approximately 2 months after this saga began, and it shows that unilateraly, Amex has decided to close my account without notice due to lack of documentation submitted for identity verification, despite me having submitted those documents at least 4 times to dax numbers they procided to me. 

Besides the lack of professionalism of a major corporation not taking steps along the process to detail and record progress of this process, it is highly irritatsting having to deal with an account closure, especially when i have gone above and beyond to comply with their requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Dear consumer Financial Protection Bureau, formal notice demanding immediate removal of all credit accounts and relation information from my credit report based on repeated failures to re investigate a disputed item and on your ongoing not compliance with legal obligations under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) To date, I have submitted multiple disputes requesting regarding an inaccuracies of my credit report on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite these repeated notice your agencies has failed to conduct the proper reinvestigation and have continued to report an accurate unverifiable or incomplete information and violation 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). If information dispute by consumer can not be verified if they're reinvestigation it must be probably deleted from consumer credit file You're continuing report up such information is a direct violation of federal 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 explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> I was added to my husbands bank account at Bank of America in XXXX XXXX Florida. We then did an atm deposit of my home insurance check for {$31000.00}. The check was rejected the next day and stated that there was a signature discrepancy that did not match previous ones. I was told by XXXX XXXX banker that we would be receiving a copy of the check in the mail so we can bring it back to the branch and double check my husbands signature and re deposit check. We left XXXX XXXX where my husband works and drove down to our home in Florida because they stated that the document would come in 4-6 business days. Being that we did not a receive a letter we went back to the branch on XX/XX/year> and spoke with XXXX. When we arrived inside the bank she was speaking with someone in the back office and they stated that XXXX XXXX XXXX declined the check because all parties did not sign. Mind you the check only required XXXX signatures. XXXX also stated that the legal document would come in that same exact day. Nothing ever came in and Im going on 2 weeks with no document. XX/XX/year> I called corporate and spoke with a supervisor and manager. They both stated that there is no documentation about XXXXXXXX XXXX  rejecting our check. They also stated that there are no back offices. In other words the manager was at loss for words for the running around I was given. I came to the conclusion that we were XXXX XXXX XXXX and are being treated unfairly. We do live in an all XXXX XXXX XXXX XXXX still exists here with people of XXXX. We are born and raised Americans with XXXX background. We can tell they were XXXX  of us as if we were going to do something so they can call the cops on us. I hope no one will have to go through something like this. They way we have been treated has been hurtful, mentally draining, and has caused a lot of suffering and damage. From the beginning they shouldve said they couldnt provide the check and for us to request a new one.

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