vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

I request the immediate removal of the following inaccurate, incomplete, or outdated information on my credit report : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$270.00}

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
please consider our request to release funds for the transfer to the supplier of goods from XXXX. We made a transfer dated XX/XX/year> in the amount of XXXX XXXX  from the settlement account XXXX in XXXX XXXX  ( XXXX ) to the settlement account of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). The funds were transferred through the correspondent bank XXXX XXXX XXXX - JPMORGAN CHASE BANK , N.A . and on XX/XX/year>, the money was received on the correspondent account of XXXX  XXXX XXXX, XXXX XXXX : XXXX. swift message number XXXX. to date, the money is in the XXXX XXXX XXXX account and is not returned to us or transferred to the final recipient at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) responded to an official request with information that the funds could not be received due to sanctions against XXXX XXXX XXXX ). Please consider the issue of refunding funds to the settlement account of XXXX XXXX XXXX ) from the settlement account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Around XXXXXXXX I purchased a XXXX XXXX XXXX through credit acceptance. I was charged XXXX to walk off lot for car after a XXXX loan. I came back in a few weeks around XXXX XXXXXXXX and they charged me XXXX because my payment was late in order to get my keys back. Said it was an interest fee. Interest rates are too high.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I spent over an hour speaking with different representatives from Barclays Bank I was then finally connected to someone in the fraud department who stated that this account was created with someone walking into a bank and using my information which to my knowledge no one has my information I then told them that this was not me I have never been to any bank called Barclays Bank or anywhere out of my state recently they then told me that they would contact credit bills let them know that this was fraud and it will be removed I waited months on end and it is still on my credit report I just recently contacted the Barclays Bank and they stated that this account was no longer in their system and they had no proof or information of it at all but it is still on my credit report as a hard inquiry I contacted all the credit bureaus they told me that Barclays Bank should be reaching out to them but they have not heard anything from them at all

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to bank of America and was not welcome was totally profile they wouldn't even cash my check said there was no record of me there

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
So I had fraud go on with my name I was dealing with someone who I separated from and they took everything from me and was using my social callin in Im withdrawing money from my account so I reported to chime and gave them police documents of the reports I did they closed my account with XXXX dollars on my account and told me they where going to send me XXXX closure checks.. okay I call them and change the address on file to XXXX XXXX XXXX at the time so it could be sent to me but instead it was sent to XXXX XXXX XXXX instead and since I couldnt provide the information they head about that address and the phone number and email that was change they wouldnt help me and its been a year so I finally got someone on the phone and they told me the Check was cashed and thats impossible because I never received any of my checks then turned around and said they Checks where canceled and had me do XXXX escalation and still have yet did anything about it except tell me I can not open a chime account because I went against the company guide Lines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My Case # with Huntington Bank ( XXXX ) Dear XXXX XXXX ( on XX/XX/XXXX ) : Thanks for this notice, careful consideration and bringing a decision in my complicated and elongated case that has had many Huntington Bank hands involved with it since XXXX. I think I counted XXXX overall, not counting XXXX XXXX. 

Unfortunately, this is not a really a fair compromise, but rather tough luck for you, XXXX XXXX. Huntington Big Bank makes a mistaken mortgage rate notice and you justifiably relied on it. Its unfortunate that I relied on an official bank notice and document sent by Huntington Bank in XXXX ( never corrected until I brought notice ) that resulted in adverse consequences for me and essentially precluded me from refinancing at much lower rates available in XXXX. 

Additionally, I will plan to refer my case to the XXXX of the XXXX, as well as the CFPB for further evaluation by XXXX independent entities. Accordingly, should I use your name for their contact or is there a different contact within your organization that handles these type of third party inquiries/investigations. 

To XXXX XXXX ( on XX/XX/XXXX ) : Thanks as always for your recent reminder prod to the broader XXXX  Team that handles these type of customer issues. I still find it surprising that I had the only mortgage interest change notice that this happened to. If so, then I can better understand how a Corporate policy solution has not been determined yet. However, it would seem like this XXXX  error in change noticing would have been related to a general class of mortgages either inherited from XXXX or XXXX, or maybe in another special age group of adjustables that were collectively and mistakenly advised on their interest rate limit. 

Since we are nearing the end of the year and I need to prepare for next steps, I thought it was time to reach out again for a status update. Lastly, if there is anybody else within XXXX that I should reach out to on this matter, please advise. 

Thanks for your continued assistance. 

I can provide another XXXX or XXXX emails as needed on my quest to bring resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-08 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: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Hello, I made a purchase at XXXX on XXXX the XXXX for {$35.00} using my chime debit card. Unfortunately a few days later i seen 4 other charges from XXXX that i did not authorize or made myself. I right away blocked my card and requested a new one to be sent to me. I then contacted XXXX in regards to the 4 fraudulent charges made but they were no help at all. So thats when i contacted chime and submitted a dispute for the 4 charges on XX/XX/year> and claim # XXXX was created. So i was told that i would receive provisional credit if they dont resolve the claim by 10 days but of course knowing chime and how they normally never actually fully investigate claims i started doing my own investigation into who made those charges so when chime came back and denied my claim i would have more information. So come the XXXX day and no credit wss given and on the XXXX day as i stated they denied my claim giving no reason as to why ( typical chime ). So then i called to get the claim reopened providing screen shots that XXXX provided for the charges showing a different billing address and shipment address other than mine for those charges. That should have been more than enough proof to approve my claim in my favor. Yet again it was denied after supplying them with those documents. That is unacceptable and shady of chime to still be doing these shady practices and not actually heloing it customers. No wonder they are getting sued left a d right. Oh! I also rewuested the documention they used to deny my claim 2 times and they have never provided it. Can you please make then look into this again and actually do thier job and investigate please? Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-08 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This letter is a formal notice that I dispute the validity of the alleged debt you claim I owe under the above-referenced account. Under my rights as a consumer, I request complete validation and a detailed accounting of the original and current status of this debt, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Furthermore, I am invoking my right to dispute this debt on the basis of potential securitization of the loan and demand full disclosure under the Securities Act of 1933 ( 15 U.S.C. 77a et seq. ). If this loan has been bundled, pooled, or securitized into any asset-backed security ( ABS ), then I request documentation of : 1. The current holder in due course of the promissory note or retail installment contract.

2. Full chain of assignment, sale, or transfer, including any sale into a trust or security instrument.

3. All SEC filings, prospectuses, or pooling and servicing agreements ( PSAs ) that identify this alleged account as part of a securitized asset.

4. Evidence that Credit Acceptance retains standing to collect on this alleged debt if it has been sold to a third-party entity.

The Securities Act of XXXX  requires the full and fair disclosure of material facts in connection with the sale of securities. If this debt was securitized without my knowledge or consent, and Credit Acceptance no longer owns the debt, then I request immediate confirmation and withdrawal of this collection attempt. 

Until such time that you provide the above-requested documents and full validation of this debt, including the signed original contract, I demand that all collection activities cease immediately. This includes, but is not limited to, any negative credit 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 explanation
Consumer complaint received 2025-04-08 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: TX

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