vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: TX

Complaint narrative:
Hello, I am writing my second complaint against the same bank because I am facing a serious issue. Recently, I tried to complete four transfer transactions, but all of them were declined by my bank. This has caused me a lot of problems and frustration because I needed those transfers to go through. I have checked all the details, and everything seems correct on my end. I do not understand why the bank is declining these transactions. I have already reached out before about a similar issue, and I was hoping it would be resolved. However, nothing has changed, and I still can not make my transfers. It is very important for me to have this issue fixed as soon as possible. I would appreciate your help in resolving this matter quickly so that I can use my bank services without further problems. Thank you for your attention to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$8700.00}, XXXX Bank Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$770.00}, XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$300.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I found an erroneous bankruptcy entry, which is causing significant damage to my financial standing and negatively affecting my creditworthiness. I have attempted to resolve this matter directly with credit reporting agencies such as : XXXX, XXXX and TransUnion, however I havent received any satisfactory response. 
Therefore, I kindly requested written confirmation that U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXXXXXX XXXX has not sent any information regarding to my Bankruptcy case No. XXXX to Credit Reporting Agencies or Data Broker Companies who have not been reporting properly according to the Fair Credit Reporting Act ( FCRA ).

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is regarding my XXXX statement with my American Express Delta credit card. My monthly statement was around {$19000.00} in XX/XX/XXXX ( it is a usual amount for us and we ALWAYS pay full amount on time ). By mistake, we payed {$3000.00} less on our XXXX statement and noticed within XXXX hours and payed the {$3000.00} the next business day. Our interest rate for the card is 26 %. We got charged {$130.00} dollars for not having payed on time. From my discussion with AE, this rate was charged based on the full {$19000.00} and not on the {$3000.00} we did not pay on time. Then, one month later ( XX/XX/XXXX ) we got charged {$280.00} more in fees. When we called to ask why ( again, we payed the full statement with just 24 hours late ), they said this was " trailing interest ''. We were charged since we did not pay our full balance. We have called a few times to try to resolve this charge, last was XX/XX/XXXX with employee XXXX ( number XXXX ) and he said that is nothing he can do. Again, we are charged for interest twice, not on the {$3000.00} we paid within 24 hours, but on the full amount of our statement, even though we paid the full statement amount within XXXX of the due date. I think this is unethical, malicious behaviors from American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
Payment history is incorrect .. dates incorrect, and breach of privacy. Some accounts are too old, Remove immediately

Company response to consumer: Untimely response
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-10 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: TX

Complaint narrative:
I recently reviewed my credit report from your bureau and noticed discrepancies in certain accounts. I believe these accounts contain inaccuracies and request that they be updated to reflect the correct information. 
XXXX XXXX XXXX Payment Status : Late 30 Days Late Dates : XX/XX/XXXX ( XXXX ) The information you are reporting differs from that of other credit bureaus. According to the FCRA, all reported data must be completely accurate or it must be corrected. 
XXXX XXXX XXXX Payment Status : Late 30 Days Late Dates : XX/XX/XXXX ( XXXX ) Your report contains information that is inconsistent with what other bureaus have recorded. Under FCRA guidelines, reporting must be entirely precise, and any inaccuracies should be promptly updated. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 30 Days Late Dates : XX/XX/XXXX ( XXXX ) There are discrepancies between the information you are reporting and what other bureaus have. As mandated by the FCRA, all reported details must be 100 % accurate, and any incorrect information must be revised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report from your bureau and noticed discrepancies in certain accounts. I believe these accounts contain inaccuracies and request that they be updated to reflect the correct information. 
XXXX XXXX XXXX Payment Status : Late 30 Days Late Dates : XX/XX/XXXX ( XXXX ) The information you are reporting differs from that of other credit bureaus. According to the FCRA, all reported data must be completely accurate or it must be corrected. 
XXXX XXXX XXXX Payment Status : Late 30 Days Late Dates : XX/XX/XXXX ( XXXX ) Your report contains information that is inconsistent with what other bureaus have recorded. Under FCRA guidelines, reporting must be entirely precise, and any inaccuracies should be promptly updated. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 30 Days Late Dates : XX/XX/XXXX ( XXXX ) There are discrepancies between the information you are reporting and what other bureaus have. As mandated by the FCRA, all reported details must be 100 % accurate, and any incorrect information must be revised.

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Formal Debt Dispute and Demand for Validation Account # XXXX This letter is a formal dispute of the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), you are legally required to provide full validation and proof of the debt you claim I owe. 

You are instructed to cease all collection activities until the following are provided : A copy of the original signed contract bearing my wet signature agreeing to the terms of the debt. 
A full accounting history, including the full ledger, itemized charges, and any payments applied. 
The full Chain of Assignment, showing how and when the debt was transferred, assigned, or sold to you. 
A copy of the Forward Flow Agreement and/or Purchase Agreement proving your ownership or authority to collect this debt. 
Documentation proving this was not paid by an insurance claim or government program. 
Proof you are licensed and authorized to collect debt in my state please include your license number and issuing agency. 
You are in violation of the following statutes : FDCPA 807 ( 8 ) Falsely representing information on credit reports.

FDCPA 809 ( b ) Failure to provide debt validation upon request.

FCRA 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.

FDCPA 805 ( c ) Failure to comply with cease and desist request. 
If you do not comply with this request within 30 days, I will pursue all legal remedies available under FDCPA and FCRA, including damages of up to {$1000.00} per violation, and attorneys fees. This is your final notice before legal escalation. 

You are hereby instructed to cease and desist all communications with me regarding this matter unless and until full debt validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies ( Equifax, XXXX, and XXXX ) for reporting a derogatory accounts ( 2 accounts ) that violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX is reporting a debt that was sold or transferred from the original creditor. I never entered into a contract or agreement with XXXX XXXX, and I have not received any legally required documentation proving that they own this debt or have the authority to report it on my credit file.

Under the FDCPA ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written validation of a debt within 5 days of initial contact ( which they have not and did not ). I submitted a formal request for validation, but XXXX XXXX failed to produce any proof that I owe this debt or that they are legally authorized to collect or report it.

Additionally, under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), a furnisher of information must : Conduct a reasonable investigation when a dispute is received, Correct or delete inaccurate or unverifiable information, Report the results of the investigation back to the credit reporting agencies. 
Despite my formal disputes filed with Equifax, XXXX, and XXXX under FCRA 1681i ( a ), the derogatory account remains on my report without verification, correction, or deletion, which is a direct violation of federal law. 
Violations Include : Failure to validate the alleged debt ( FDCPA 1692g ( b ) ) Inaccurate reporting of a debt without a legal agreement ( FCRA 1681s-2 ( b ) ) Failure to remove unverifiable or disputed information ( FCRA 1681i ( a ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies ( XXXX, Experian, and XXXX ) for reporting a derogatory accounts ( 2 accounts ) that violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX is reporting a debt that was sold or transferred from the original creditor. I never entered into a contract or agreement with XXXX XXXX, and I have not received any legally required documentation proving that they own this debt or have the authority to report it on my credit file. 

Under the FDCPA ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written validation of a debt within 5 days of initial contact ( which they have not and did not ). I submitted a formal request for validation, but XXXX XXXX failed to produce any proof that I owe this debt or that they are legally authorized to collect or report it. 
Additionally, under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), a furnisher of information must : Conduct a reasonable investigation when a dispute is received, Correct or delete inaccurate or unverifiable information, Report the results of the investigation back to the credit reporting agencies. 
Despite my formal disputes filed with XXXX, Experian, and XXXX under FCRA 1681i ( a ), the derogatory account remains on my report without verification, correction, or deletion, which is a direct violation of federal law.

Violations Include : Failure to validate the alleged debt ( FDCPA 1692g ( b ) ) Inaccurate reporting of a debt without a legal agreement ( FCRA 1681s-2 ( b ) ) Failure to remove unverifiable or disputed information ( FCRA 1681i ( a ) )

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have been a member of navy federal credit union for almost a year now and the banking relationship has been good last month XX/XX/XXXX when I login to my account I could no longer view my accounts, i reached out to the bank and was told to submit a security appeal, I never did anything to warrant that but I never argued I just did as told. Last week XX/XX/XXXX the security appeal replied with the below message : This letter concerns your request for the restriction to be lifted from your account ( s ). 



" We have carefully reviewed the information you provided. In view of the unsatisfactory manner in which you maintained your previous account ( s ), we are unable to remove the restriction at this time. 



If you have any questions regarding this matter, please let us know. You may call us toll-free anytime at XXXX '' I never did anything to deserve this, this was just done to me randomly our of the blue and apparently they've been randomly doing this to other customers when I read about the complaints on reddit. Please I need my account reinstated. I lovXXXX XXXX XXXX XXXXnd will like to continue my banking relationship, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NV

Complaint narrative:
These credit companies are reporting inaccurate, incomplete, and incorrect information on my account. I have requested to receive specific information on accounts and have not received them. According the FCRA 15 usc 1681 credit companies have to report complete and accurate information. 

Also once an alleged account is not with the original company/ severed they are not allowed to sale any debt or transfer via contract law. no Proof of assignment was given either even though requested. 

Accounts that need to be removed from my report are XXXX  XXXXXXXX XXXX along with XXXX XXXX XXXX XXXX XXXX both accounts 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 2025-04-10 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: NV

Complaint narrative:
These credit companies are reporting inaccurate, incomplete, and incorrect information on my account. I have requested to receive specific information on accounts and have not received them. According the FCRA 15 usc 1681 credit companies have to report complete and accurate information. 

Also once an alleged account is not with the original company/ severed they are not allowed to sale any debt or transfer via contract law. no Proof of assignment was given either even though requested. 

Accounts that need to be removed from my report are XXXX  XXXXXXXX XXXX along with XXXX XXXX XXXX XXXX XXXX both accounts XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Dear, Zion Debt Holdings XXXX I am responding to your contact about a debt you are trying to collect. You contacted me by and identified the debt as Collection Account From XXXX Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
that there is a valid basis for claim it that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirements If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : Provide verification and documentation A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CBC Companies, Inc.
State: NC

Complaint narrative:
This company continues to report false personal information on my credit report which the company turns around and use the false information to verify accounts that are not mine

Company response to consumer: Closed with non-monetary relief