vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX  - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXXXXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$1300.00} account number XXXX XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$860.00} account number XXXX There are fraudulent Inquiries that I do not recognize as reported which are : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX  - Inquired on XX/XX/XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX - Inquired on XXXX XXXX, XXXX XXXX - Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX - Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX  - Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  - Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX - Inquired on XX/XX/XXXX XXXX - Inquired on XX/XX/XXXX There are addresses that I do not recognize as reported that need to be removed which are : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX GA XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-02-15 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd

Complaint narrative:
We've been with Wise bank for the past 2 years and then in XX/XX/XXXX they asked for a lot of things including personal account statements which I did not provide. After that they shut down the account, I accepted the decision but I need the statements of the past year to complete my bookkeeping, they just don't get back to me anymore after sending a bunch of emails. Could you please contact them in my behalf and try to get all the currency statements for the year 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-15 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-15 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I received an email from XXXX, that there was something on my credit. That a debt collector has flagged my account. I opened the email and my credit was flagged by : Collection Management Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In the amount of {$1800.00} I immediately filed a dispute because I don't know who the company is that's trying to collect the debt. I don't know what the debt is for and I never received any communication from the company trying to collect the debt. XXXX said they were going to investigative the dispute and get back to me. When XXXX finished their investigation. XXXX just said that the debt would remain on my credit. I still don't know who the company is or why they're trying to collect a debt and for who. I'm assuming it could possibly be from XXXX. A medical clinic that I went to when I got hurt on my job, which would make that debt a workman 's compensation case. Which means this collection should have never been put on my credit to begin with. Again, I never received any communications from the company or debt collector. I never received an itemized bill for the services rendered or what services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Navy federal withdrew XXXX dollars from my account with out my knowledge or consent i called to make a fraudulent claim and they said that they could not because they cant make a fraudulent claim against their own company. I made these calls on XXXX XX/XX/2025 and have 5 recordings from navy federal fraud department stating they cant make a fraudulent claim against their own company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
XXXX someone pretended to be CEO of XXXX  and tech support took told me I needed to send money to them and I'd get the money back a refund which I didn't they just took my money it was {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am disputing a {$640.00} debt placed into collections by XXXX. This debt is invalid for the following reasons : XXXX. My XXXX service was canceled on XX/XX/XXXX. 
XXXX. XXXX confirmed cancellation of all remaining services on XX/XX/XXXX via email. 
XXXX. Despite this, XXXX continued to charge my bank account through autopay for several months after cancellation. After resolving the issue directly with XXXX , they apologized, confirmed the account had been cancelled and reimbursed us for their error, but have now wrongfully sent this account to collections ( Radius Global Solutions ). 

Details of Dispute : Both phone lines on my account were deactivated on XX/XX/XXXX, yet XXXX continued to deduct monthly payments until XX/XX/XXXX. Upon noticing this, I contacted XXXX to dispute the charges. 
XXXX admitted to their error of payment withdrawals and reimbursed us for XXXX  months on XX/XX/XXXX. They ensured that we owed them nothing more. Despite these assurances, I have now received a collections notice, claiming I defaulted on the account. 
These events indicate either fraudulent or grossly negligent billing practices by XXXX, which have caused undue financial stress and potential harm to my credit standing. 
I have also submitted a dispute directly with Radius Global Solutions on XX/XX/XXXX, but they have neglected to respond or confirm suspension of the collection. 

I have supporting documentation, including : Email proof of plan cancellation from XXXX on XX/XX/XXXX. 
Bank transaction history showing unauthorized charges after cancellation. 
Bank transaction history showing reimbursement of unauthorized charges on XX/XX/XXXX. 
Debt collections notice received. 

I sincerely thank you for your time and attention.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I recieved a collection notice to pay settlement in the amount of {$1100.00} to XXXX XXXX XXXX  on behalf of Capital One. I rendered the payment in the form of two payments ; XX/XX/XXXX in the amount of {$600.00} and remainder balance of {$510.00} on XX/XX/XXXX. I was informed by XXXX XXXXXXXX XXXX that once the payments cleared- Capital One would update my credit report with all three bureaus showing a balance of {$0.00}. 
Attachments supporting information are below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Consumer financial protection bureau, My name is XXXX XXXX, and I am seeking your assistance regarding an unresolved matter with Bank of America thats been going back and forth for almost 5 months now. Despite my numerous efforts to resolve this issue with them directly, I have encountered significant obstacles that suggest a lack of professionalism and customer care. The issue dates back to XX/XX/year>, when I booked a family cruise using my Bank of America credit card for {$5900.00}. The cruise was scheduled for XX/XX/year>, through XX/XX/year>. However, just five days before the departure, I received a call from the cruise company notifying me that our reservation had been canceled due to the unavailability of the initial room. They offered regular rooms at a lower price and assured me that a full refund would be processed to my Bank of America credit card within 10-15 business days. As the refund was not immediate, I had no choice but to use a different credit card to pay for the newly available room. Unfortunately, nearly four months have passed, and I have yet to receive the promised refund. My repeated attempts to resolve this directly with the merchant have been unsuccessful, prompting me to seek assistance from Bank of America. Bank of America initiated a dispute on XX/XX/year>, after I explained the situation and provided all necessary documentation, demonstrating that the merchant owes us a refund. Despite submitting extensive evidence, including the new booking itinerary and an XXXX XXXX statement showing the matching transaction, Bank of America repeatedly requested additional documentation. Each time I complied, they deemed the information insufficient. At one point, they suggested the transaction could have been for an onboard payment, which I clarified was incorrect. I provided evidence of onboard payments made with a separate card, including a full statement, yet the bank closed the case without explanation. I am reaching out to you because this situation has become incredibly frustrating, and I genuinely need assistance to rectify this matter. The lack of resolution and communication from Bank of America has left me with no other options. I kindly request your intervention to help secure the refund that is rightfully owed. Thank you for your attention to this matter. I am hopeful for your swift assistance. Sincerely, 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 monetary relief
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year>

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 2025-02-15 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: VA

Complaint narrative:
On XX/XX/25, I notified Equifax that there was inquiry from XXXX XXXX XXXX XXXX that I did not authorize. They didnt even bother to investigate it. It took less than 24 hours to tell me that the the inquiries are factual. How is it factual if I didnt authorize those inquiries. 

Once again, the credit bureaus are doing sham investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR REPORTING ACT.THE LIST OF ACCOUNT BELOW HAS VIOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALTY UNDER 15 USC 1681 ACCOUNT NAME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I caught up and overpaid my bill to make sure that I was caught up. My balance one day was negative $ XXXX. When I woke up the next day there was a {$240.00} charge that isn't showing on any of my screens. I called them up and they said that there is a charge for {$240.00} from XXXXXXXX XXXX XXXX I explain to them that there is no charge showing on my account. They continued to tell me that there was. I told them that I had screenshots that the transaction wasn't there and they treated me like I was crazy. They said that they would put in a ticket. When I got the new supervisor she never mentioned a ticket and continued to act like I was crazy that the transaction was there. I told her again that I was looking at the screen and that there is not a transaction. I do not like that they can allow invisible transactions. There's no way to dispute it and there's no way for me to see charges on the card if they make them invisible. I find this to be extremely unprofessional that they did not offer to fix the problem until I push the issue.

Company response to consumer: Closed with explanation