vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received countless of harassment letters and phone calls about a debt that is a result of identity fraud. 
The amount of {$670.00} From XXXX XXXX XXXXXXXX XXXX XXXX

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 2025-01-27 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: TX

Complaint narrative:
I want reported accounts removed Us department is edu has been removed from my TransUnion but not XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-27 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: GA

Complaint narrative:
-First attempt for validation and investigation was XXXX for XXXX Charge offs from XXXX XXXXXXXX XXXX XXXX in the original amount of {$12000.00} and {$5100.00}. The original account was XXXX until XXXX purchased them. But XXXX put the exact same loans on my credit report with their name. Then in XXXX by XXXX removed it from my credit report because it reached the 7 year mark. However, XXXX put them back on and put a last payment date as XXXX. I showed XXXX, XXXX, and Transunion the evidence of the exact same account and requested an investigation with no response. The XXXX credit reporting agencies continued to report it as up to date and never sent me a response on how they investigated and made a decision within XXXX hours. Second attempt was XXXX and they continued to do the same thing with a quick turnaround response for the same accounts. 

In XX/XX/XXXX and XX/XX/XXXX I had collection account from XXXX that was purchased from XXXXXXXX XXXX XXXX XXXX in the amount of {$9500.00}. I requested an investigation and no response even after sending them a letter from the company who stated they had no information on the account number associated with me on the 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
-First attempt for validation and investigation was XXXX for XXXX Charge offs from XXXX XXXX XXXX  XXXX  in the original amount of {$12000.00} and {$5100.00}. The original account was XXXX until XXXX purchased them. But XXXX put the exact same loans on my credit report with their name. Then in XXXX by XXXX removed it from my credit report because it reached the 7 year mark. However, XXXX put them back on and put a last payment date as XXXX. I showed XXXX, Equifax, and XXXX the evidence of the exact same account and requested an investigation with no response. The XXXX credit reporting agencies continued to report it as up to date and never sent me a response on how they investigated and made a decision within XXXX hours. Second attempt was XXXX and they continued to do the same thing with a quick turnaround response for the same accounts. 

In XX/XX/XXXX and XX/XX/XXXX I had collection account from XXXX that was purchased from XXXX XXXX XXXX XXXX  in the amount of {$9500.00}. I requested an investigation and no response even after sending them a letter from the company who stated they had no information on the account number associated with me on the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX  ] [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report. The account in question is XXXX, with a reported balance of {$XXXX} and noted as Placed for Collection. After reviewing my credit report, I have identified the following inaccuracies : 1. Payment History : The account is marked as having been placed for collection ; however, the payment history reflects that I made XXXX  % of payments on time. This inconsistency suggests an error in the reporting of the accounts collection status. 
2. Account Status : The account is noted as closed on XX/XX/XXXX, and placed for collection. However, the information provided does not match my records, and I have no knowledge of any outstanding balance that would justify this status. 
3. Reported Balance : The reported balance of {$XXXX} is inaccurate based on my records, and there is no explanation for this amount or proof of its validity. 
These errors are significant and negatively impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
To assist with your investigation, I have attached the following documentation : A copy of my credit report with the XXXX account highlighted Relevant supporting documents regarding this account Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. I would appreciate a detailed explanation of your findings. If further information is needed. 

Thank you for your prompt attention to this matter. 
Sincerely, [ 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS IS NOT ME. PLEASE SEE ATTACHED

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 2025-01-27 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: TX

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-01-27 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: TX

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-01-28 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capitol One cheating consumers out of more than {$XXXX} XXXX in interest in payment savings account. The XXXX XXXX Account. Intentionally they kept news of its higher-yield savings account from members with lower-yield saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
Had Business Credit Card since 2012. Last XXXX they sent an form in the mail requesting my EIN number SS number and drivers license. Mailed it back never heard anything else. 
I left for my vacation XXXX  XXXX for three weeks 3 day at sea got a emailed form my office that the credit cards are not working. Got to the next port of call and called them and they stated the EIN is not the right one. Could not get them to turn the cards back on so my techs could work and the auto paid bills would be paid. ; The banks I deal with I could not log in as i was in a foreign country and they do not allow that. My biggest service cal supplier shut all new calls and took back what was not finished as we could not service them. Then the phones went down and I could not do payroll as the credit card on file was not usable. So I had to lay off the crew as I did not get back till XX/XX/XXXX. Talked to Capital one after a few days the said they needed a FEIN number. I only have a EIN number as I am a XXXX  with XXXX owner. Per the federal government that is all i need as I file using my SS number. Have been doing that for 18 years.. Their answer was it is THERE policy a FEIN number is needed. SO now i have no business any more and layed off crew few days before XXXX. Why did the not send me a letter after they got the form. I would been able to move the prepaid bills to the checking account and gotten another card for the crew

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc.
State: NC

Complaint narrative:
I tried to remove the debt through XXXX, I contacted XXXX on XXXX different times about how to remove this item. I got a statement that said I lied about the charges and since I lied they are putting back all the charges on my account. I contacted the Creditor XXXX  times in XXXX and asked them to remove the documents they told me no it was accurate. I contacted the creditors and had a conversation with them as well and that didn't fix anything. So my address and my ID Showing that it wasn't my debt and they said to me that they weren't removing it When I haven't lived in XXXX  since XXXX. I was in the XXXX traveling even up to XXXX XXXX where they updated my information on the creditor 's side. I tried to remove it a XXXX time and they refused to remove it. I never lived there I have an ID from a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding an unauthorized charge that was made to my Charles Schwab account by XXXX XXXX XXXX. I had been a member of the gym, but due to an injury where I XXXX XXXX XXXX XXXX XXXX in XXXX, I was unable to attend XXXX Jiu-Jitsu classes for two months. I did not make any payments for XXXX or XXXX, as payments are due on the XXXX of each month, and I had no intention of making any additional payments during my recovery period. 

However, on XX/XX/XXXX, XXXX XXXX XXXX backdated both the XXXX and XXXX payments and withdrew a total of {$190.00} from my Schwab account without my prior authorization. I immediately filed a dispute with Charles Schwab, but I have not received a provisional credit or any updates on the situation. 

I attempted to resolve this issue with Schwab in late XXXX and early XXXX. During these calls, a representative informed me that I would need to lock my card because they were unable to stop the transactions from going through. Despite following their advice, the unauthorized charge still went through on XX/XX/XXXX, and I have yet to receive any resolution or provisional credit. 

I am requesting your assistance in ensuring that this unauthorized charge is reversed and that I receive the {$190.00} back into my account. I believe Schwab has not appropriately handled the dispute, and I feel that I am being unfairly charged for services I did not use. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: AR

Complaint narrative:
I rented a house from one local company XXXX XXXX in XXXX, Arkansas and they hired a management company from out of state to collect rent and do repairs. XXXX XXXX XXXX In XXXX of XXXX during a critical cold snap that lasted a week, the heater went out in the house. I repeatedly called for repair and they took a week to do something about it. 
I had to go buy electric heaters to try and keep me and my kids warm in the house and the repair guy they sent only put another electric heater up in the attic to unfreeze the pipes. Apparantly the " heater '' in that house was a cheap heat pump, not a regular heater. As the winter temps got to 5 degrees, I kept contacting them that it was not being solved and my family was freezing. 
I was forced to move my family to a hotel for 3 days while they had more repairs made. 
After all this expense, I told them to reimburse me or let me not make XXXX  month rent in exchange, they only took {$400.00} off. My lease was up in XX/XX/XXXX and black mold had begun in the house when warm weather hit. I moved out in XXXX and withheld the last rent payment. They turned it over to COLLECTIONS with HUNTER WARFIELD. 
I sent them a certified letter why, and I knew they would not give me my deposit of {$1600.00} back either. 
It is unfair they posted this to my CREDIT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
i am filing a complaint against cash app ( block, Inc. ) due to unadequate customer service practices which violate the ( CFPA ) Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under thw ( EFTA ) and regulation E These actions have caused significent inconvience and financial loss and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
debt has been paid but company still post balance on the account. I have disputed this but it still came back with the balance nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with explanation