vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: MD

Complaint narrative:
Im beyond frustrated with the inaccuracies on my report. Theyre unfairly damaging my scores and limiting my chances at better opportunities. Its unacceptable to be judged based on incorrect information that I have no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX there were unauthorized personnel accessing my account. Tried to transfer all my funds to another checking account that does not belong to me. I called the company and told I'll get an email never received an email. I tried calling today. Nothing happens. I'm trying to close my credit karma account so I can get rid of it as well as closing the credit builder accountni have with them. I'm also trying to get the account unlocked but they're not answering me and giving me hours of wait time for nothing and tried to dispute the {$43.00} that was unauthorized from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX - XXXX - {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally dispute the alleged debt referenced above, which your agency claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information to validate this debt : 1. The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest, fees, or other charges that have been added to the original debt.

2. The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed.

3. Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of the obligation.

4. A detailed history of the account : Please provide a complete account history, including the original balance, any payments made, any fees or interest added, and the dates of these transactions. 
5. Copy of the agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

6. Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws. 
Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection attempts will be made. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested information to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Total Card, Inc.
State: FL

Complaint narrative:
I have had a credit card with XXXX XXXX XXXX XXXXXXXX, for many years. In XX/XX/XXXX approximately {$2600.00} in fraudulent charges appeared on my bill which should have been a XXXX balance, I informed the company immediately and after many customer service calls I was referred to their " fraud department '' They sent me a list of the fraudulent charges to be removed and I signed an affidavit in XX/XX/XXXX. The card hackers PAID the {$2600.00} with a bounced check and charged another {$2500.00} for a total of over {$5000.00}. All customer service staff speak a foreign language with barely understandable XXXX. They had difficulty understanding the issue and dropped my calls several times. I received a letter in XX/XX/XXXX stating that they have closed the account at my request and will issue a new card. The account now has a different account number but I did not receive a new card. They are sending me bills to pay the {$5000.00} on fraud charges and no one at the company is paying attention to the issue. It is very difficult to speak with anyone that has authority to solve this issue. When they transfer me to the " fraud department '' the call is usually dropped. I have grave concerns about my credit report data about this. Please help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-02-26 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: TN

Complaint narrative:
I filed a complaint with the CFPB XX/XX/year> regarding a dispute I have with Transunion, Equifax and Experian regarding a item on my credit report from National Recovery. I have written them several times with no response. Now they have responded with, they have verified the debt, but how? I have asked for the names of the persons or person and address also I have asked them to produce a contract the original contract that I signed with XXXX XXXX in regards to this item and they seem to ignore my request. But they say they have verified. 

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business address alone with the original contract that has my signature and XXXX XXXX letterhead . If not I ask that you delete this item off of my credit report.

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 2025-02-25 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had an online savings account with Citibank. On XX/XX/year>, I called Citi to close the account because I needed to use the funds in the account. A Citi representative told me that a check of {$100000.00} in my account would be mailed to me right away and I should expect to receive the check within XXXX to XXXX business days. But the check did not come after 15 days. So I called Citi again on XX/XX/XXXX. A representative first told me that the check was mailed on XX/XX/XXXX. But after I asked for specific information about the mailing, she then admitted that for some reason, the check was never mailed. She apologized to me and told me that she has entered a request to send the funds to my home address no later than XX/XX/XXXX. But the check again did not come. I called Citi again on XX/XX/XXXX. The first representative I talked to again told me the same lie as I have heard earlier. After my insistence, she agreed to transfer my phone to an account supervisor with the first name called XXXX. After having apologized to me for the prolonged delay, he told me that he had made an urgent request to send me the funds by UPS express in 24 hours but no later than 48 hours and Citi would notify me by email when the check was being mailed to me. But I have again been cheated by Citi ; the check never arrived as promised. So on XX/XX/XXXX, I again called Citi. The first representative again used the same false information to make me believe that Citi would take an urgent action to deliver the check to me. But I could not trust her words any more. So she transferred my phone to an account supervisor. This person again gave me false information and excuses to cover Citis failure to send me the money. After my repeated requests, she finally transferred my phone to a third person, who claimed that she is with Citi 's executive response unit, responsible for handling customer complaints. After I told her what I have experienced with Citi, I asked her to help me get my funds back. But she told me that it was beyond her scope of duty. As of today, I still have not received the funds in my savings account that was closed one month ago. Throughout the whole process, I have talked to seven Citi representatives ; each of them did not tell me the truth about Citi 's failure to deliver the funds to me. Instead, they used false information to cheat me by not returning the fund back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
There are unauthorized accounts and transactions on my credit report resulting from fraudulent use of my personal information. I have never benefited from these items in any way, and recognizing the severity of the situation, I promptly filed a report with the Federal Trade Commission. Despite following the proper steps and reporting this fraud, these inaccurate and fraudulent items remain on my report. It is incredibly frustrating to continue facing the consequences of someone elses actions. Dealing with identity theft is already overwhelming.

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am filing this complaint against American Express, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding the handling of a charged-off debt and the subsequent legal action taken against me. My concerns involve potential unfair collection practices and non-compliance with federal consumer protection laws. 

Important Note : Since no specific option was available to classify this as a " Charge-Off/Write-Off '' issue, I selected the closest available category. This complaint is NOT related to a bankruptcy discharge, but rather to the continued collection efforts on a charged-off debt and improper credit reporting.

Details of the Complaint : Charge-Off and Debt Reporting : The debt in question was charged off by American Express and reported as such on my credit report.

American Express may have taken tax benefits from this charge-off while still attempting to collect the debt through third parties. 
I have not received a 1099-C Cancellation of Debt form, which should have been issued if the debt was truly charged off. 
Unfair Collection Practices : XXXX XXXX XXXX initially attempted to collect this debt, despite my sending a formal cease and desist letter.

After my second cease and desist letter, XXXX XXXX XXXX ceased communication, and the matter appears to have been transferred to XXXX XXXX XXXX, which specializes in legal collections. 
The collection efforts escalated when XXXX XXXX XXXX filed a lawsuit against me regarding this charged-off debt. 
This legal action appears to be an attempt to circumvent the legal requirement to issue a 1099-C and maintain an open collection account. 
Lawsuit Filing and Procedural Issues : XXXX XXXX XXXX has filed a lawsuit against me regarding this charged-off debt. 
Given the charge-off status, I believe this lawsuit may not be legally valid under consumer protection laws.

A response to the lawsuit will be filed appropriately, even while the CFPB investigation is in effect.

Consumer Rights Violations : The continued collection efforts despite my cease and desist letter could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The failure to issue a 1099-C may indicate a violation of tax reporting obligations under IRS regulations .

The lack of proper communication regarding the debts charge-off status and potential double reporting on my credit file may also constitute unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: IN

Complaint narrative:
I tried calling yesterday and today about a settlement agreement. I was denied help because of unavailability to pay any amount. I was told to call back the next day because of a IMPACT appointment with XXXX XX/XX/XXXX of XXXX. I called the number XXXX elan XXXX  litigation advisor gave me. She didnt respond any call on the number she gave me to call back. So I call the number behind the card for help on assistance. I was transfer to her by XXXX cardmember services. Basically she told me if I cant pay anything before XX/XX/XXXX they will take legal action.Even after I explained the unfortunate events I went through I was fired on XX/XX/XXXX of XXXX my Father passed away on XX/XX/XXXX. My Employer who fired me passed away on XXXX. I havent been hired since I have no money I dont know what else to do but complaint of this unfair judgment from Elan 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 explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and was shocked to find accounts that I do not recognize. I have never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened. These false accounts are creating an unfair representation of my financial history, and I will not allow this misinformation to remain on my report.

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