vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I would like these accounts deleted and removed within 7 days as they are fraudluent accounts 15 USC 1681 Section 602 states I have a right to privacy 15USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card issued by capital one ending in XXXX. I called customer service about XXXX weeks ago to question some charges that I was not aware of and reported to capital one. After calling them, Ironically they CAN NOT provide any information of the service, merchandiser or business making the charges! they could not identify or confirm who the charges were coming from. It is aprox {$1000.00} charge according to the phone call made XXXX weeks ago, and today XXXX of XXXX the customer service rep says now it is only {$600.00}. too many discrepancies and different inaccurate information provided by capital one. I never received any text message, letter or email about the fraudulent activity! 

Today, after calling again the customer rep, ONCE AGAIN, they asked " have you receive our outcome letters? '' NO!!!! I have no received anything from capital one! this credit card problem has been handle very very poorly! no communication exist, no wiliness to assist or anything! to my surprise today, the letter the stated that sent me says under the online documents on their website that " DUE TO INSUFICCIENT PROOF THEY CAN NOT CONSIDER THIS CASE AND FRAUD '' but Not even this capital one knows who were deducting the money! the have no clue or trace of who it was! 

in addition to that, I decided to close my account but they want me to AGREE that I will pay something I don't have, I did NOT approve nor willing to pay. so, I was not able to close my account either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery claiming amount plus interest owed. They are banned from collecting debt by the FTC ( Federal Trade Commission. ) This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/2023. I have cash app and XXXX was taken from my account. Cash app told me I allowed this. I never allowed it. Someone even bought XXXX on my account don't know them an didn't authorize this. Emailed cash app repeatedly they did nothing 2 years down XXXX XXXX and still no reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Account Number : XXXX VIN Number : XXXX I am filing a complaint against American Honda Finance Corporation and Honda Financial Services due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. Honda stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID XXXX ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, Honda reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). 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 2025-02-01 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency and Experian, it remains unresolved. I request immediate removal of this item. Experian did not properly investigate this dispute and failed to remove errors on my report. The investigation was a sham. Account XXXX  Date opened XX/XX/year> Reason for dispute the account does not belong to me it was created fraudulently.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I had a credit card with Milestone with a {$700.00} limit for emergencies. Paid any charges off each time I used it for almost a year. Went on vacation. Lost my card and didnt realize it for a few days bc I wasnt using it as I didnt use it regularly to begin with. Got home and realized the card was not on my purse. Immediately went into the Milestone app and requested to lock it but there was no option to do so. I then called and requested it lock and reported it lost to which the rep said they would and still did not. Charges kept getting made on it. Had to use the call again and requested it be locked and reported it lost or stolen again. They did absolutely nothing. The thief maxed it out. The card had a XXXX balance when I lost it bc I had paid it off and had only took it with me in case of an emergency while we were out of state. After 6 months of fighting with them about it, they put it into collections with XXXX XXXX. They keep trying to get me to pay the fraudulent charges that I didnt make. Wouldnt do anything to help me resolve the matter. Put it on my credit report as a default. I disputed it XXXX times on my credit report and still it wasnt removed or investigated at all that I know of. I requested proof from them that the debt was valid. They never supplied me with proof. The account was charged off. I continued to dispute it repeatedly. Midland sold the debt to another debt collector, Midland Credit Management, in XXXX  and now they are suing me. This has been going on for years now and they still have never once supplied me with any proof I owe this debt or that they ever investigated the fraudulent charges made to the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
I've been a victim of identity theft. I have noticed some unauthorized collections, chargeoff, and inquiry accounts that I did not benefit from. I need these fraudulent accounts removed immediately. All of the collections accounts listed, as well as the chargeoff accounts, I did not give authorization for them to have my information. I may have had contracts with the original creditors, but I did not have any contract with these collectors, so I do not owe THEM. Therefore, I need these accounts removed speedily or I will seek legal 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 non-monetary relief
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
I've been a victim of identity theft. I have noticed some unauthorized collections, chargeoff, and inquiry accounts that I did not benefit from. I need these fraudulent accounts removed immediately. All of the collections accounts listed, as well as the chargeoff accounts, I did not give authorization for them to have my information. I may have had contracts with the original creditors, but I did not have any contract with these collectors, so I do not owe THEM. Therefore, I need these accounts removed speedily or I will seek legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TN

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 2025-02-01 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: TN

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX. XX/XX/XXXX @ XXXX {$40.00} Requested for a refund. XXXX never refunded me nor replied. 

XXXX. XX/XX/XXXX @ XXXX {$60.00} Requested for a refund.company never refunded me nor replied. 

XXXX. XX/XX/XXXX @ XXXX pm {$40.00} Requested for a refund.company never refunded me nor replied. 

XXXX. XX/XX/XXXX @ XXXX {$40.00} Requested for a refund.company never refunded me nor replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 submitting a complaint againsi Equifar for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I had a transaction account with Juno a XXXX company that advertised FDIC insured transaction accounts including, debit card and bill pay services. I deposited cash, and directed XXXX sales payments to this account. My account balance was {$14000.00} as of XX/XX/XXXX when my account at Juno was summarily suspended due to issues with XXXXXXXX XXXX and XXXX which was their banking partner. 

In XXXX, XXXX sent me a letter claiming that they only held {$1900.00} of my funds and that this amount would be paid out and my account with XXXX would be closed. 

In XX/XX/XXXX I filed an appeal with XXXX showing tracing of nearly every transaction in my JunoXXXX account demonstrating that my Juno account balance was correct and that XXXX owes me the balance of funds. XXXX denied my appeal. 

In XXXX of XXXX I requested a complete transaction record and filed a Notice of Error Under Regulation E ( 12 CFR 1005.11 ). XXXX has not replied to either my request for transaction records or my Notice of XXXX. 

The banking system in the XXXX can not be so brittle that a bank can claim that they unilaterally transferred my funds out of my account leaving me impoverished. I feel that it is essential that the CFPB examine the actions of Juno XXXX and their banking partner XXXXXXXX XXXX and XXXX for irregular and non-compliant financial activity. Consumer banking relies on trust which has been seriously eroded by Juno and XXXXXXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
This dispute against TransUnion and their sham investigation processes, which will be to challenge their investigative process, demand proper verification, and move for deletions of unverifiable and invalidated data. ( See Attachments. )

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