vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX has the account listed as " open '' ; XXXX has the account listed as closed. The date in which was reported has a XXXX discrepancy. The last payment date was only reported by XXXX and the last active date has a XXXX discrepancy. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C 1681 et seq, I demand that this item be reinvestigated and deleted from my credit report for these inaccurate and fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX Balance {$7400.00}, XXXXXX/XX/XXXXBALANCE {$7400.00}, XXXX XXXX XXXX balance {$61.00}, XXXX XXXX XXXX Balance {$490.00},XX/XX/XXXXXXXX balance {$460.00}, XXXX XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XX/XX/XXXX balance {$0.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therfore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX Balance {$7400.00}, XXXXXX/XX/XXXXBALANCE {$7400.00}, XXXX XXXX XXXX balance {$61.00}, XXXX XXXX XXXX Balance {$490.00},XX/XX/XXXXXXXX balance {$460.00}, XXXX XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XX/XX/XXXX balance {$0.00},

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I paid off a debt owed to Bank of America XXXX XXXX and XXXX on XX/XX/XXXX for {$1600.00}. I received communication from XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX stating that they were taking over the case and most of the debt was still owed. I provided proof that the debt was paid in full prior to the date XXXX required, before further action would be taken. On XX/XX/XXXX almost an month after I had sent proof the debt was paid and had received acknowledgment from XXXX that they received my documents and were looking into the matter, a XXXX was filed and recorded with the courts against my home by XXXX XXXX. I have not to date been notified of said XXXX. I received service of the satisfaction of judgement for my case last week and today went online to see if the courts had updated my case with the satisfaction only to find the lien myself.

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 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The reason why i am disputing this account is because the information that is reporting is a violation of the fair credit reporting act. 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
iam writing to formaly dispute the accurancy of certain negative items listed and my credit report thats not mine and i have dobble accounts that have the same amounts 2 or 3 times with the same name i requested that you conduct a thorough investigation into this accounts

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
iam writing to formaly dispute the accurancy of certain negative items listed and my credit report thats not mine and i have dobble accounts that have the same amounts 2 or 3 times with the same name i requested that you conduct a thorough investigation into this accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX. The CAPITAL ONE account, account number XXXX with charges of {$230.00}, and the XXXX XXXX XXXX  account, account number XXXX with charges of {$120.00} are unauthorized accounts. These accounts are fraudulent. I submitted a FTC report for the charges at hand and sent the documentation to the XXXX credit bureau where I seen the charging for them to remove it from my and stop reporting. I will be filing a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-03 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: IL

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 XXXX hours stating the account is accurate, without providing any evidence of a thorough 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. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingagainst them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: WA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that l believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results Likes effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled XXXX  a similar manner.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have been a member of the Boeing Employee Credit Union since XXXX. I received a call on XX/XX/XXXX, from the fraud team requesting a call back before I used the current debit card on the account.

Since my debit card has been changed 14 times in 14 months, I assumed that fraudulent charges were once again occurring on my account. Every three weeks I needed to change all of my auto pays. I have every alert notification selected on this account including international and received none. All of the fraudulent transactions on this account have been International. I do not do business with international businesses.

Because of all of the fraud via debit cards I decided to use my checking account for purchases on XXXX. XXXX informed me that my checking account was refused by XXXX and I could not use the checking account to make purchases. 

Apparently, BECU refused payment of a check to XXXX XXXX back in XXXX. I am working with a collection agency to resolve that issue. 

I was told that BECU was closing my account after 45 years. A teller told me I had to go to the main branch in XXXX to close the account in person. I opened an account with XXXX XXXX XXXX. I went to the bank on Saturday the XXXX to close out the account and was refused funds. 

All of my auto pays were denied regardless that funds were available in the account. I have yet to received written communication from BECU as of today, XX/XX/XXXX. 

My account status at BECU is now - {$29.00} for a transaction that occurred on XX/XX/XXXX. I went to XXXX to see a XXXX friend. Twenty-one days to process a transaction. Seriously!

I have an insurance policy that Ive been paying on for approximately three years and is associated with this account. This policy is voided when BECU closes the account.

I was told I would receive an appeal, yet again, Ive received nothing from BECU.

Substantial financial harm has been done. I am a single person since XXXX, had A+ credit rating until now. 

There seems to be something going on at BECU, I am not sure this is an attempt by BECU to cover up an internal employee issue with the need to change my debit card every three weeks for the past 14 months or if there are serious system security issues.

Thank you for your time and consideration. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been submitting the same complaints last three years to get XXXX bonus miles that Im supposed to receive. Every time I call the customer service and inquired they think Im talking crazy. They have no idea what Im talking about. Eventually, I received XXXX miles last two years after submitting a complaint CFPB and Im asking additional XXXX miles for this year. I paid {$450.00} membership fee last XXXX. And I was supposed to receive the XXXX bonus miles by last XXXX. In order to get XXXX bonus miles Im supposed to spend more than {$35000.00}. I spent well above {$35000.00} by last XXXX Name : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX, there was an email notification to me saying there was a hard inquiry on my credit report that I did not authorize or do. Called XXXX  about it and they explained that it was through Chase Bank. I explained to them that I did not authorize that or inquired about anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Never investigated my violated truth and lending by deception and lies

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 2025-02-03 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation
Consumer complaint received 2025-02-03 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$5300.00} INQUIRIES : 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 2025-02-03 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-02-03 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
Consumer Reporting Agencies ( CRAs ) : Equifax, TransUnion, and Experian Furnisher of Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am filing this complaint against Equifax, Experian, TransUnion and the furnisher 's of information for violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal privacy laws. Specifically, they have shared and reported my private financial information without my consent, failed to maintain reasonable procedures to ensure accuracy, and violated my right to privacy.

LEGAL VIOLATIONS Violation of Privacy Rights ( 15 USC 6801 ) : Financial institutions, including furnishers of information to credit agencies, have a legal obligation to protect the privacy and security of consumers ' nonpublic personal information. I was never informed of my right to opt out of sharing my information with nonaffiliated third parties, as required by 15 USC 6802 ( b ) ( c ).

Unauthorized Disclosure of Information ( 15 USC 1681 ) : Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies ( CRAs ) like Equifax, Transunion, and Experian may only furnish a consumer report with the written consent of the consumer. I have never provided written consent for my information to be shared or reported.

I have already formally opted out, yet they continue to report nonpublic personal information without my permission.

Failure to Maintain Reasonable Procedures ( 15 USC 1681e ) : Equifax, TransUnion and Experian failed to maintain reasonable procedures to ensure compliance with the FCRA, including limiting the furnishing of consumer reports to permissible purposes under 15 USC 1681b.

Opt-Out Rights ( 12 CFR 1016.7 ) : I am exercising my right to opt out of any further sharing or reporting of my information by Equifax, Experian, TransUnion, and the furnisher 's of such information. Any prior consent, whether verbal, written, implied, or otherwise, is hereby revoked.

Furnisher of Information ( Inquiries ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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