vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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:
Please be advised that as of XXXX XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4800.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
They wont allow me access to my account but still wont close the account for no reason at all. I will never deal with thwm

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 2025-01-26 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: GA

Complaint narrative:
In XXXX I disputed an account reported by [ XXXX XXXX XXXX ] in the file transunion maintain under my social security number. I was informed a month later that the item was deleted from my credit report. Now on XX/XX/XXXX I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 days. I received no such notification. This is a very serious violation of the FRCA, and I reserve the right to pursue legal action for your blatant disregard for the law. I been having major issues with transunion mishandling my credit file for a while now. As such I have been unable to gain access to credit.

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 2025-01-26 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: CA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.CFPB has all already filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute, outcomes these failures align with my experience where has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as experience in action, violates federal law in my rights as a consumer. 
I have had to file an identity fraud claim due to Transunions lack of investigation.

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: MD

Complaint narrative:
I was told that if I paid the debt that it would be removed. Still shows on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I am writing to file a complaint against Nissan Motor Acceptance regarding the inaccurate reporting of a paid-off account on my credit report. I fully paid off my account with Nissan Motor Acceptance, yet they have failed to update my credit report to reflect the correct status.

I have made efforts with customer service to have this issue resolved, but I have had no luck. I am requesting that Nissan Motor Acceptance be required to promptly update the account status on my credit report to accurately reflect that it has been paid in full. I also request that the CFPB assist in ensuring compliance with the Fair Credit Reporting Act ( FCRA ) to prevent further harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> someone hacked my debit card account from Wells Fargo and use it at XXXX XXXX XXXX XXXX for {$4500.00}. The person tried to used another {$1500.00} at XXXX but it was over daily limit. 

I have the card with me. I didn't lose my card. I hardly ever used my debit card in my 24 years of having account with Wells Fargo. I only used it at the bank to deposit money. 

I normally use my credit cards to purchase anything. 

Wells Fargo declined my claim and didn't explain. 
I don't know what XXXX XXXX XXXX XXXX is.

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 2025-01-26 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: CA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transaction Act ( FACT ), 16 C.F.R. Part 602, 12 C.F.R. Part 1022, and the Dodd-Frank Act, I am writing to formally dispute the reporting of exclusionary information on my consumer credit report.

Congressional findings under 15 U.S.C. 1681 highlight the necessity for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Upon reviewing my credit report, I observed that both the consumer reporting agency and the creditor have reported exclusionary information without my consent. Specifically, certain late payments and credit utilization metrics fall under the exclusions outlined in 15 U.S.C. 1681 and 12 C.F.R. Part 1022. These exclusions apply to information solely pertaining to transactions or experiences between the consumer and the person making the report. 

Late payments and credit utilization constitute information arising solely from transactions or experiences between myself and the creditor. Reporting such information on my consumer credit report contravenes the aforementioned statutes and regulations. By including this exclusionary information, your agency is in violation of the FCRA, 12 C.F.R. Part 1022, and other governing laws. Additionally, under 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or improper information to consumer reporting agencies. 

Furthermore, I have identified an account on my report, specifically the XXXX XXXX  account, which is listed as " CHARGE-OFF '' status. A charged-off account indicates a debt that has been canceled or forgiven by the creditor. Reporting such canceled or forgiven debt constitutes a prohibited form of communication of the debt, as it is no longer valid for reporting purposes under applicable 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 2025-01-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transaction Act ( FACT ), 16 C.F.R. Part 602, 12 C.F.R. Part 1022, and the Dodd-Frank Act, I am writing to formally dispute the reporting of exclusionary information on my consumer credit report.

Congressional findings under 15 U.S.C. 1681 highlight the necessity for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Upon reviewing my credit report, I observed that both the consumer reporting agency and the creditor have reported exclusionary information without my consent. Specifically, certain late payments and credit utilization metrics fall under the exclusions outlined in 15 U.S.C. 1681 and 12 C.F.R. Part 1022. These exclusions apply to information solely pertaining to transactions or experiences between the consumer and the person making the report.

Late payments and credit utilization constitute information arising solely from transactions or experiences between myself and the creditor. Reporting such information on my consumer credit report contravenes the aforementioned statutes and regulations. By including this exclusionary information, your agency is in violation of the FCRA, 12 C.F.R. Part 1022, and other governing laws. Additionally, under 15 U.S.C. 1681s-2, creditors are prohibited from furnishing inaccurate or improper information to consumer reporting agencies. 

Furthermore, I have identified an account on my report, specifically the XXXX XXXX  account, which is listed as " CHARGE-OFF '' status. A charged-off account indicates a debt that has been canceled or forgiven by the creditor. Reporting such canceled or forgiven debt constitutes a prohibited form of communication of the debt, as it is no longer valid for reporting purposes under applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have paid way over the amount owed and the account was supposed to be closed. Unfortunately it has been over 3 years and it seems the company continues to charge interest and fees way above the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing an evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlights in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of the investigation. 

This is the account I have marked as inaccurate XXXX XXXX XXXXXXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: PNC Bank N.A.
State: AL

Complaint narrative:
PNC XXXX XXXX XXXX PNC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> i did want or take these actions. company did this own there own without my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
Notice on my Transunion credit report that a account that i never open is on my credit report. The company name is XXXX XXXX account number XXXX on XX/XX/year>. I believe this is a fraud account and I never open this account

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
When contacting cashapp I was able to dispute purchases like XXXX or XXXX orders however was directed to a 24/hr support that would just tell me I cant dispute any purchases using cashapp. 

Also allowed someone send me money then DISPUTED it on their side. Meaning I was selling a watch to a buyer and after I sold the watch, you let him steal it from me by giving him his money back and taking it back from me. 

I filed many disputes with cashapp and it was rare to get a resolvement - Ive lost money which is why I started receiving money and payments with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Transunion. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.

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 2025-01-26 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:
TransUnion and XXXX are playing fraudulent activities while reporting a fraudulent account thats been wrote off for tax purposes but still reporting pass due balance as XXXX as if it wasnt a tax write off the IRS this is fraudulent tax fraud that double dipping Ive explained this to TransUnion to receive the correct information but they have caused me harm including house, transportation and jobs over this fraudulent account in the attachment I put a copy of the report on these companies and Im also suing for damages

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 2025-01-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay Card 's website is not allowing me to dispute two transactions. 

I purchased two one way tickets with XXXX using my points, and paid XXXX in cash for taxes for the tickets. I recently cancelled the flights, and was refunded the points but not the cash. I tried to dispute these transactions with Barclays, but their website is physically not allowing me to go through with the dispute. 

I've attached an image of the transactions in question ( XX/XX/XXXX, {$5.00}, XXXX ), and the flight cancellations showing my refund.

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 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the following fraudulent information appearing on my consumer credit report. This information, which is the result of identity theft and fraud, must be blocked within XXXX business days of your receipt of this complaint. 
The fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Opened : XX/XX/XXXX Account Number : XXXX XXXX. XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX These accounts have resulted in fraudulent hard inquiries and collections being reported on my credit file. I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report maintained by TransUnion, which includesthe fraudulent accounts, collections, and inquiries mentioned above.

I do not recognize any of these accounts, collections, or inquiries aslegitimate. These items were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

As proof, I have included a copy of the FTC Identity Theft Criminal Complaint ( Case # : XXXX ), which confirms that the accounts, collections, and inquiries in question are the result of identity theft. 
Fair Resolution Requested : I request that TransUnion block all the fraudulent accounts, collections, and hard inquiries identified in this complaint from my consumer credit file, pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ), within four business days of receiving this complaint. Additionally, I ask that all written correspondence regarding this complaint be sent to me via email at XXXX. 
Thank you for your prompt attention to this matter. I look forward to confirmation that these items have been removed as requested.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Dispute of Inaccurate Negative Item Reported by Equifax on My Credit File Dear Sir/Madam , I am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Equifax. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency.

The specific item in question is listed as a negative entry under. This item is inaccurately reported and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.

Complaint narrative:
Amounts of XXXX and XXXX was done in my name, seems like my name and social was used by my dad and Ive been very unaware

Company response to consumer: Closed with non-monetary relief