vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, and Transunion ) credit report and I noticed some late payments on there. 

XXXX XXXX : XXXX XXXX Account XXXX : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXX XXXX  XXXX XXXX Number : ** XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX  Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-17 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: NJ

Complaint narrative:
I am submitting this statement as a victim of identity theft from the breach. Under 15 USC 1681c-2 ( a ). I request the immediate removal of all fraudulent items from my credit report. These unauthorized accounts and transactions were not made by me. Please take prompt action to block and delete these fraudulent items as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint to dispute certain debts that are inaccurately reporting on my credit report. My information has been leaked in multiple data breaches. According to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have requested validation of these debts, as they do not belong to me. 
Details of Complaint : The debts listed on my credit report are not mine. 
Under 15 U.S.C. 1692g ( FDCPA ), I have the right to request that the debt collector provide written validation of the debt, including the original creditors name, the amount of the debt, and proof that I am legally responsible for the debt. 
Additionally, under 15 U.S.C. 1681i ( FCRA ), I have the right to dispute inaccurate information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccurate information within 30 days. 
The debt collectors have not provided sufficient documentation to prove that these debts are valid or that I am responsible for them. 
Reporting inaccurate or unverifiable debts is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information in consumer reports. 
Requested Resolution : 1. I request that the CFPB investigate this matter and direct the credit reporting agencies to remove the disputed debts from my credit report unless the debt collectors can provide : o A signed contract or agreement proving that I am responsible for the debt. 
o A complete payment history, including the original creditors name and address. 
o Proof of assignment or transfer of the debt ( if applicable ). 
2. If the debt collectors are unable to provide this documentation, the debt should be permanently removed from my credit report, as required under 15 U.S.C. 1681i.

3. I also request that the CFPB ensure that the credit reporting agencies and debt collectors comply with all provisions of the FCRA and FDCPA moving forward to prevent further inaccurate reporting. 
I appreciate your attention to this matter and expect a resolution within the legally required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Navy Federal Credit Union Dear Sir XXXX Madam, I am submitting this formal complaint regarding Navy Federal Credit Unions handling of a loan account in my name. Despite my previous request for validation and clarification of this debt, they have failed to provide sufficient documentation to substantiate its legitimacy.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I requested verification of the alleged debt. However, Navy Federal Credit Union has not provided the necessary documents proving their lawful claim to collect this debt. I also requested the following : 1. Origin of the Loan Detailed information on how and where the loan was created, including the source of funds.

2. Value Contribution by Navy Federal Proof that Navy Federal Credit Union contributed actual value ( cash, credit, or consideration ) to the agreement.

3. Compliance with Federal Laws Documentation proving adherence to 12 U.S.C. 411, the Truth in Lending Act ( TILA ), 12 CFR Part 204, and the Uniform Commercial Code ( UCC ) Articles 3 and 9.

4. Double Dipping Concerns Confirmation that the same credit or collateral was not used for multiple obligations, violating fairness principles.

5. Adherence to 15 U.S.C. 1610 and 1611 Evidence that the loan complies with regulations governing consumer credit, interest rates, and associated fees.

Navy Federal Credit Union has failed to provide the requested documentation or properly validate the debt. Their lack of response and transparency raises serious concerns about their compliance with federal regulations.

I respectfully request that the CFPB investigate this matter and hold Navy Federal Credit Union accountable for any violations of consumer protection laws. Additionally, I ask that they either provide the required documentation or cease all collection activities related to this debt.

Please confirm receipt of this complaint and inform me of any actions taken. Thank you for your time and attention to this matter.

Sincerely, Without Recourse, Without Prejudice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OR

Complaint narrative:
I have maintained a checking account with Chime Bank for over a year. On XX/XX/XXXX I lost access to my online account due to a scammer. I notified Chime and they permitted me to use my account through using my debit card. On XX/XX/XXXX I lost my debit card. At that time, XXXX in customer support told me that I needed to replace my lost ID with a new one. She repeatedly assured me that XXXX temporary proof of the replacement drivers license would be accepted. Once I replaced it on XX/XX/XXXX and called the following business day, XXXX then informed me that the temporary would not suffice. On approximately XX/XX/XXXX I requested a check with my balance to be mailed to my home address as I wanted to close my account. The customer service agent informed me he was able to mail me a debit card that could be used to access my funds in a faster time frame ( 7-10 days versus 30 ) and I agreed to accept the debit card to access my account. On XX/XX/XXXX I received my permanent drivers license from the XXXX and also my debit card, both of which were mailed to my home address. I phoned Chime Bank and was told I would be given 3 attempts to capture a suitable photo of my drivers license. The automated system that captures the photo interpreted the hologram on my drivers license as a blur and rejected the images. I asked the customer service representative for advice on how to eliminate what their system interpreted as a blur with a holographic image. The representative refused to advise. He stated that he would resend the link to initiate the process one last time. I repeated my phone number and never received the text. When I informed him of this he said I would have to call back later to request the process be initiated again. I have been attempting to gain online access to my funds since XX/XX/XXXX and access to my funds since XX/XX/XXXX and no matter what I do, Chime refuses to accept my legal and current identification so that I can use my account. I have done everything they have requested of me and now its become obvious that my account has been stolen from me and they have no intention of giving me access to desperately needed funds. Its been weeks since I have had access to my money. I can not pay my bills, I can not purchase toilet paper or do laundry or buy cat food. My internet service is getting shut off in the next 24-48 hours. The photos of my drivers license were taken using the highly regarded XXXX XXXX. I would appreciate assistance getting my money from Chime Bank. Included is a picture of my drivers license with all the information clearly visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I asked Portfolio Recovery for the folowing specific details concerning alleged debts that they contacted me about : Dear Collector : I am writing in response to your letter dated XX/XX/year>2025. I am disputing this debt. I do not owe what you say I owe. 
As you should know, any attempt to collect an unvalidated debt violates the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt and provide me with the following documentation : The full name and address of the original creditor. 
The date on which the alleged debt was incurred. 
The service or merchandise provided for the debt. 
A copy of the applicable contract giving rise to the debt. 
Proof that you are licensed to collect debt in Maryland.

Verification or a copy of any judgment against me.

The last four digits of my Social Security Number.

My full name and address at the time the debt was allegedly incurred.

A copy of the underlying account statement and other written validation of the debt.

A summary of any payment history on the debt, including proof of last payment on the debt.

A full itemization of the debt, including a breakdown of the total principal, interest, fees, and any other charges.

Until it is validated, your information concerning this debt is assumed to be inaccurate. If you have reported this debt to any credit-reporting agency or Credit Bureau , you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. If you do not own this debt, you must immediately send a copy of this letter to the original creditor to alert them that I dispute the debt.

Should you pursue a judgment without validating this debt, I will file an Answer requesting dismissal without prejudice based on your violations and failure to comply with the FDCPA. Be advised that I will report any violations of the law to the ( your state ) Attorney General and the Federal Trade Commission.

In addition, I am requesting that all correspondence to me be initiated via USPS Postal Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: IL

Complaint narrative:
Follow-Up on CFPB Case # XXXX U.S. Bank XXXX XXXX  XXXX Bonus Denial Dear CFPB Representative, I am following up on my complaint regarding U.S. Banks refusal to honor the XXXX bonus miles for my XXXXXXXX XXXX XXXX XXXX ( account ending in XXXX ). Their response is inconsistent with their own stated policy, and I respectfully request a further review. 

Summary of Issue I applied for and was approved for the U.S. Bank XXXX XXXXXXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, which included a XXXX bonus mile offer after meeting a {$5000.00} spending requirement within 90 days. 

I activated and started using the card on XX/XX/XXXX, and met the required spending within three months. I expected the XXXX bonus miles to be credited, but they were never posted to my account. 

On XX/XX/XXXX, I contacted U.S. Bank customer service to inquire about the missing bonus. A representative informed me that I was ineligible due to a new policy restricting previous cardholders from earning another bonus. 

However, this denial does not align with U.S. Banks own policy, and I would like to challenge their response based on the following : Why U.S. Banks Denial Is Unfair 1 U.S. Banks Policy Restricts Bonuses for 5 Years AFTER Receiving a Bonus U.S. Bank claims that a customer is ineligible for a second bonus if they have received a prior bonus within five years. 
However, when I opened card XXXX on XX/XX/XXXX, I had NOT yet received the XXXX bonus on my first card ( XXXX ). 
The bonus for my first card ( XXXX ) was credited AFTER I had already opened card XXXX, meaning I was fully eligible for the new bonus at the time of applying for XXXX. 

2 The Policy Change on XX/XX/XXXX, Was Not Clearly Disclosed U.S. Bank stated that their bonus eligibility policy changed on XX/XX/XXXX, but I was never informed of this restriction at the time of my second application in XX/XX/XXXX. 
If this restriction applied to me, U.S. Bank should have disclosed it clearly during my application process.

Since they failed to provide this information, their retroactive application of this rule is misleading and unfair.

3 I Met the Spending Requirement in Good Faith I completed the {$5000.00} spending within the promotional timeframe, expecting to receive the bonus as advertised.

U.S. Banks denial of the bonus contradicts their own stated terms and penalizes me unfairly for an undisclosed rule change. 

Thank you for your assistance in ensuring fair consumer treatment. 

Best regards,

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One deducted an unauthorized phone payment from my checking account for {$760.00}. My only source of income is social security retirement benefits. This unauthorized payment has created a great hardship for me and is, I believe, illegal as I did not authorize this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against a debt collection company engaging in unlawful practices. This company has opened a new collection account on my credit reports with all major credit bureaus for a debt that is over 10 years old and was charged off around XXXX. They have provided no documentationno signed agreement, no proof of debt, allgeged {$4300.00} yet they fabricated a new collection start date of XX/XX/XXXX, in an apparent attempt to manipulate the credit reporting system and pressure me into payment. 

This is not an isolated incident. A review of their XXXX reviews and XXXX XXXX XXXX complaints reveals a troubling pattern : many other consumers are reporting identical issues with this company. What they are doing is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and it is causing real harm to consumers who work hard to maintain good credit. 

I am urging your office to take immediate action. Companies like this should not be allowed to weaponize credit reporting systems to extort payments on time-barred or unverifiable debts. The executives behind these practices should be held fully accountable under the law. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check which was flagged as suspicious ON XX/XX/year>. Truist went from placing a hold on the check to freezing all of my accounts because they suspected I deposited a fake check. They said they have " confidential information indicating the check will most likely be returned. '' It is now FOUR DAYS since the CHECK CLEARED and I STILL HAVE NO ACCESS TO ANY OF MY TRUIST ACCOUNTS.

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