vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Recieved multiple overdraft fees in a very short time! Received no resolution when asked about stopping the overdrafts from occurring, asked to have fees waived and was told nothing can be done. Multiple attempts to contact someone went unanswered on both the online chat and over the phone. Hold times of XXXX, XXXX and repeated dropped calls to Truist. Truist offered no assistance, or help. Basically told to kick rocks. Its unfair to charge these fees when I want the transactions to be declined, I should be able to opt out of overdraft protection. Employees are rude on the phone tell me they are getting a manager or supervisor and then I sit on hold for 20+ minutes before I have to get back to work and can't continue to wait any longer. Was just hung up on and was told I could not be called back after waiting 30+ minutes. Its unbelievable how little care they show. I am pretty sure multiple fees have been charged for thr same transaction as well.

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 2025-03-19 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
XXXX keeps taking money from my bank account via autopay. I cancelled the service months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: AL

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Experian/Equifax 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 the following accounts : 1. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$3600.00} 2. DEPT OF EDUCATION/XXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$6300.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX | Amount : {$850.00} 4. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent Charged off accounts and late payments appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, loans, or hard inquiries as reported. The aforementioned accounts, missed payments, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charged off accounts, and hard inquiries are the result of identity theft and fraud.I have attached copies of FTC Identity Theft Criminal Complaints # 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.

Under FCRA 611 ( 15 U.S.C. 16811 ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit.Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

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 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Hello. These Collection Agencies : 1. LVNV Funding LLC 2. XXXX XXXX XXXX Has NOT provided Validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my freaking Consumer Report.

I have not been given a chance to dispute these accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) LVNV Funding and Portfolio Recovery is violating my consumer rights by using false misleading, misrepresentation and deceptive means. They have No authority to furnish any account to a consumer reporting agencies without providing ANY and ALL disclosures required by law. And they are in clear Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX are contracting my parents regarding a debt I owe. Call them at work. They are telling them my personal debt information. I am over the age of XXXX there is no need to contract my family. They can talk to me only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not belong 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 explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
Subject : Formal Complaint Against National Credit System for Debt Collection Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against National Credit System, located in XXXX, GA, regarding their unlawful collection practices related to an alleged debt they claim I owe. 

Complaint Details : Debt Collector : National Credit System Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Amount in Dispute : {$11000.00} Date Opened : XX/XX/year> Status : Collection account Violations and Concerns : Failure to Validate the Debt I formally requested debt validation under 15 USC 1692g ( Fair Debt Collection Practices Act - FDCPA ), demanding proof of the alleged debt, a detailed payment history, and a copy of the original contract with my signature. 
National Credit System has failed to provide the requested documentation, yet continues to pursue collection activities.

Potential

Unauthorized Collection The company has not provided a chain of title proving their legal authority to collect this debt. They have also failed to disclose whether an insurance claim has been filed or paid on this account, which may invalidate
the collection attempt.

Continued Collection Activity During Dispute Despite disputing the debt and requesting validation, National Credit System has continued to report the account negatively to credit bureaus and has not ceased collection activities, which is a violation of the FDCPA. 
Potential Violation of the Fair Credit Reporting Act ( FCRA ) The account remains on my credit report with a disputed status, but the company has not properly investigated or updated its reporting.

Requested Resolution : I request the CFPB to take immediate action against National Credit System and require them to : Provide full validation of the debt, including a detailed payment history, chain of title, and original signed contract. Cease all collection activities and remove the account from my credit reports if they can not validate the debt.

Investigate their potential violations of 15 USC 1692g ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Impose appropriate penalties if they are found to be in violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 XXXX XXXX XXXXrade 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 explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I went to use my debit card for a transaction and my card kept being declined. I called the bank to figure out what the problem was and they told me that my account had been closed and my money is frozen into the account. All the money I have is in that account and they will not lift the freeze to let me withdraw or transfer the money. They said they will mail me a letter stating why my bank account was closed and a cashiers check for the money however, I dont know when that will be and Im very upset that they arent holding my money.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX XX/XX/year> Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX. XXXX XXXX XXXXXXXX XX/XX/year> Experian I request an investigation and the immediate removal of these inquiries from my credit report, as the were not initiated or approved by 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 explanation
Consumer complaint received 2025-03-19 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-19 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service. An unfair practices, which violate the Consumer. Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, there dispute, resolution, and process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Transfer Fund Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IN

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-19 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: CA

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

"

Company response to consumer: Closed with non-monetary relief