vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I booked a service with XXXX XXXX I XXXX her XXXX she did not do my order and was ignoring me then proceeded to block me on XXXX because she scammed me out my money and because I exposed her for her fraud business she blocked me I reached out to my bank because XXXX is considered person to person my Bank couldnt get the money back she was very rude to me. XXXX XXXX was supposed to do my treats for my baby shower when we both agreed on a date change she never sent me a new invoice I didnt think much of it but I ask her with the XXXX she had could she either a refund me my money 2 make me XXXX worth of products as well as other recommendations to accommodate the both of us per the conversation you can see I was being ignored and the only reason I got her to respond is because I said I requested my money back and didnt want to dispute it she became very rude and disrespectful to me per the messages and I still was responding peacefully to her when I posted it on XXXX I asked how was I wrong or being rude which she became upset because people was explaining to her that she was in fact being rude and didnt have too her response was she responded the way she responded and it what it is then told me I wasnt getting anything and blocked me. Im scared she would have tried to spit in my decoration and just by saying you be in stuff what did that have to do with anything Im not the only person who said the same thing shes very rude and unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
This is related to my last complaint XXXX. XXXX response failed to provide me with documentation showing I enrolled in the XXXX XXXX program. Their response also was filled with inaccuracies. 

You can find their response in the above previous complaint. I am including my response to their response below. They are acting in a fraudulent manner and need to reverse all charges.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My SSN was stolen by identity thief in 2023 XXXX while I was traveling outside of XXXX. I only have one bank account in Chase bank, They use my SSN to open XXXX credit card account in XXXXXX/XX/XXXXand XXXX XXXXXX/XX/XXXX. They log in to my online chase bank account and try to wire {$12000.00} out. I report the status to Chase bank and they decline all the unauthorized transaction, the bank show me the document that someone change my default address and phone number. So far Chase bank did well to protect my money. 

In XX/XX/2023 I receive the Bank statement from XXXXXX/XX/XXXX andXX/XX/XXXX XX/XX/XXXX I went to the bank conform that these are not my account. So I request the bank to freeze these account and close them. The XXXX still have the balance of {$710.00} and XXXX XXXX has {$660.00}. The address for these two bank account and the transactions on the statement are closed to my home address. After investigation of the bank fraud protection group, They said I am responsible for this account, I have to pay the balance of XXXXXX/XX/XXXX {$710.00}. I don't know how to prove I am a victim of identity theft, Police can't file the case because I couldn't get the affidavit letter from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My SSN was stolen by identity thief in 2023 XXXX while I was traveling outside of US. I only have one bank account in XXXX bank, They use my SSN to open 2 credit card account in XXXX bank and Capital one bank. They log in to my online XXXX  bank account and try to wire {$12000.00} out. I report the status to XXXX bank and they decline all the unauthorized transaction, the bank show me the document that someone change my default address and phone number. So far XXXX bank did well to protect my money. 

In XX/XX/year> I receive the Bank statement from XXXX bank and capital one bank. I went to the bank conform that these are not my account. So I request the bank to freeze these account and close them. The XXXX still have the balance of {$710.00} and Capital one has {$660.00}. The address for these two bank account and the transactions on the statement are closed to my home address. After investigation of the bank fraud protection group, They said I am responsible for this account, I have to pay the balance of XXXX + {$710.00}. I don't know how to prove I am a victim of identity theft, Police can't file the case because I couldn't get the affidavit letter from bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed multiple inaccurate late payments reflecting on my credit report that have affected my life and credit health greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out once again because my report continues to contain errors that are actively hurting my score. These inaccuracies are affecting my ability to secure loans, housing, and other financial opportunities. I am incredibly frustrated that this has not been resolved yet.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX  XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested an investigation into this account, due to errors on my credit report involving this account. You did not fix the errors, so on XX/XX/XXXX I requested a re-investigation into this account. After your re-investigation you still did not fix the errors in this account. On XX/XX/XXXX I asked you to show that the balance is XXXX and show paid. These were fixed. Thank you! But it is still showing charged off for multiple months. An account can only be charged off XXXX time and it was charged off in XX/XX/XXXX. Please fix this inaccuracy or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX  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 XXXX  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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: OH

Complaint narrative:
Received a CASH APP credit card in my previous name - ( married - name change ) that I never signed up for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I dont know if Im clicking the right information. However on XX/XX/XXXX. I had called XXXX federal to get an early release of my deposit. I was told I cant get an early release due to XXXX old account I owed that was closed since XXXX. They ask if I would like to start making payments and I declined since the account was more than XXXX XXXX XXXX. The response from the people if I dont start making payments, they will take all my funds and I cant dispute it whether I disagree to pay off the account. The XXXX old accounts fell off my credit report and every time I call I got ta pay something out of check in order to retrieve my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Request for Block and Deletion of Fraudulent Information Under 15 USC 1681c-2 Dear Equifax, I am writing to formally request the immediate block and removal of fraudulent information on my credit report under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

The following account was added to my report without my authorization and must be removed immediately : Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX The definition of a credit card under federal law is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My consumer report functions as a credit device. The furnisher and CRA have mishandled my personal data to create or maintain this account without my explicit consent, violating my rights under the Gramm-Leach-Bliley Act ( 15 USC 6801 ). 

Additionally, the fraudulent reporting of this account meets the legal definition of fraud as defined in XXXX XXXX XXXX : A knowing misrepresentation of the truth or concealment of a material fact to induce another to act to his or her detriment. 

Enclosed are the following documents supporting my claim : A copy of my government-issued ID and proof of address. 
A copy of my FTC Identity Theft Report. 
Identification of the fraudulent information ( highlighted credit report ). 
A signed statement declaring that this information does not pertain to any transaction by me. 
Under the FCRA, you are required to block and remove this information within XXXX ( XXXX ) business days. Please confirm in writing once the fraudulent information has been deleted from my credit report. 

Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
My name is XXXX XXXX, and I am formally challenging the inaccurate information on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release or reporting of my personal information to the companies listed below. This constitutes a violation of my privacy rights, as these companies have no legal right to report any information under my name. Additionally, my credit report contains unauthorized inquiries that I did not initiate, which appears to be a case of identity theft. As per 18 U.S.C. 8, I do not owe any debts to these companies, and I request the immediate removal of the disputed entries and inquiries to correct my credit report. Please address this issue promptly and confirm the removal of the incorrect items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX.XXXX XXXX XXXX

Company response to consumer: Closed with explanation