vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To : XXXX XXXX XXXX XXXX  Customer Service and XXXX Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint and Demand for Acknowledgment of Perfected Security Interest Account Ending in XXXX To Whom It May Concern, I, XXXX XXXX XXXX , am submitting this formal written complaint and demand for acknowledgment and enforcement of my perfected security interest in connection with the Blue Cash Everyday credit card account ending in XXXX. 
As the secured party and creditor, I have executed and filed a UCC-1 Financing Statement with the Michigan Secretary of State, confirming my secured status against the debtor. The financing statement ( Filing No. XXXX, filed on XX/XX/year> ) lists both XXXX XXXX XXXX and XXXX XXXX as debtors and clearly identifies my claim as a secured party in all associated collateral. 
Supporting documents include : A valid Security Agreement, signed and executed. 
A Durable Power of Attorney, granting lawful authority. 
Financial statements confirming filing and perfection status. 
A UCC-1 filing, with acknowledgment by the Michigan Secretary of State.

As the secured creditor, I am legally entitled to assert and enforce my interest in this account under Article 9 of the Uniform Commercial Code ( UCC ). You are hereby notified of your obligation to : 1. Acknowledge my perfected security interest ; 2. Provide full disclosure and access to any and all information and activity regarding the above-referenced account ; 3. Cease any action that interferes with or contradicts the interests of the secured party ; 4. Correct the record to reflect the secured status of this account.

Your failure to recognize and respect my legal position as a perfected secured creditor may result in formal action and remedies as allowed under state and federal law.

I hereby demand written acknowledgment of this security interest within ten ( 10 ) business days of receipt of this notice, and request prompt cooperation to resolve any disputes amicably and administratively.

If you require additional verification, I am prepared to supply certified copies of the UCC-1, Security Agreement, Durable Power of Attorney, and any other documentation upon request. 
Sincerely, XXXX XXXX XXXX Authorized Representative and Secured Party ( 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 2025-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided.

- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.

- Written confirmation that you will cease reporting this unverified debt to credit bureaus. 

If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I stayed at a hotel using rewards points from my Chase credit card account. The hotel charged my credit card for the stay, even though the reservation was already paid for. I opened a dispute. I provided Chase with receipts showing the charge of {$330.00}, the email from Chase stating that the stay was paid for with points, and the dates of my stay. Chase has stated that this is insufficient. They refuse to reimburse my card or restore the lost points. They have closed the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had identity theft in XXXX... I filed a police report and obtained a document, which at the time had an XXXX XXXX XXXX  collection and a car loan with the police report. XXXX XXXX XXXX eliminated the debt, but I couldn't do anything about the car. Since I was XXXX years old, I have not returned to the United States until XXXX, a month of vacation, then in XXXX, XXXX months, and since then, XXXX, XXXX month... I came for the last time on XXXX XXXX to settle in this country, which is my birthplace... and I find myself with more collections. I have not lived in this country since I was XXXX years old. All my debit and credit cards, and IDs are from XXXX, except for my American passport. It's the only thing I have valid in the United States... I want all my social security to be clean, since I have not generated anything at all, I don't even have a fixed address in the United States, not even a phone number because I do not live in this country. The only reason I came was for vacation. As of today, I have a collection with XXXX XXXX for {$630.00}. XXXX for {$750.00}. I don't have the police report, since I mailed it to XXXX XXXX XXXX and it wasn't returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect PersonaXXXX XXXX XXXX  - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
To Whom It May Concern : In a recent review of my credit reports, I noticed an inquiry that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The inquiry in question specifically is as follows : " BK OF AMER '' - On XX/XX/year> and On XX/XX/year> : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. 

If they are unable to prove that the inquiry was, in fact, for a legitimate business purpose and requested by myself, then I would like it to be removed immediately. 

Thank you. 
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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company is reporting a debt on my credit report, negatively affecting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 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 2025-03-28 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: GA

Complaint narrative:
Subject : Request for Deletion of Collection Account Credence Resource Management ( Account # XXXX ) Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of the following collection account currently listed on my Equifax credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX This account has recently been deleted from my XXXX credit report following a dispute, which suggests the information could not be verified or was found to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are required to ensure the maximum possible accuracy of consumer credit reports. When a credit bureau determines that information is unverifiable or inaccurate, it must be promptly deleted.

Furthermore, per FCRA 15 U.S. Code 1681e ( b ), Equifax has an obligation to use reasonable procedures to assure the accuracy of information. If another major credit reporting agency ( in this case, XXXX ) has removed the account due to failure to verify, Equifax must also reconsider the validity and accuracy of the same account in my file. 

Given this, I am requesting that Equifax conduct an immediate investigation into this matter and delete the above-mentioned account from my report if it can not be verified with accurate and up-to-date documentation from the original creditor. 

Please provide a written response within 30 days of receiving this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
I checked my credit profile and saw some inquiries that don't belong to me.

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Bank allowed credit card accounts to be opened under my name while I was a minor. These accounts were opened without my consent, and proper identity verification was not conducted by the banks. As a result, there are now outstanding balances on these accounts that negatively affect my credit report. 

I have contacted Capital One Bank to dispute these accounts, providing proof that I was a minor when they were opened. However, both companies continue to report the accounts as verified and refuse to remove them from my credit report. This situation has caused significant harm to my creditworthiness and financial stability. 

I am seeking assistance to resolve this matter, as the companies have failed to take appropriate action despite multiple attempts to address the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
XX/XX/XXXX I sent a zelle transfer to a zelle enrolled recipient for same day transfer. The transfer process was said to take 3 days for me to find out the transfer failed on the XXXX day then I was told it failed the XXXX day then I was told the money I took out was not in my bank account to which the ally bank institutions employee/customer service representative shortly corrected herself to say that was incorrect. Ally cost me my time and loss of a vehicle due to their XXXX XXXX. The phone calls are recorded. I was hug up on by a XXXX when trying yet another phone call and this time around I had to wait XXXX minutes for a supervisor I requested to not show up and I know this ally institution can influence the time money comes in and out of the account and yet still insist one 3 day waiting period for my funds to return and has costed me the purchase of my vehicle to which they were aware of my purchasing and have not resolved the issue and insists on blaming the recipient bank until a XXXX way call was created. I have nothing but issues from this bank and its bad enough thar their " policy '' after 2 mis transfers from an account they suspend your external account for 6 MONTHS!! and they try to tell you oh you can still make transfers using debit card to befit card but what they don't tell you is that you can only transfer funds in not out... and you can't wire money to an account thar is NOT in your name.

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 2025-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Short story I went to XXXX to get wifi well I spoke to a young man and he set me up with the XXXX XXXX XXXX well he said there were no contracts nothing if the sorts just hand him cash he gives me motem and I set it up at home well short story I canceled my services allegedly and this was months almost year ago and I went to check my credit score noticed I owed XXXX something dollars to a debt collection agency that 1 I never received mail or email or voice confirmation that I was going to be billed or debt sold to whatever I had 0 clue my debt was even debt or it being sold, and 2 I never signed a single contract of my knowledge binding my name credit, finance wtv to the internet he said it was just month to month wouldnt affect my credit because I was worried about that so Im just mainly asking if yall could fix this because theres a XXXX dollar debt in my name I had no clue about and it dropped my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-28 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 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 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> cash app closed my business and personal account without any reason. When I reached out to customer service i could not get a reason or explanation as to why my account was closed, all i kept being told was i violated the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
There are over XXXX different types of withdrawals to many different people I don't know, companies I don't know or use, when I called them, to report it, they kept allowing it to continue and I have reported it over and over again. They drop my call or say they are transferring to someone who is able to help me with my concern. They never come back to help me. They are very difficult to understand and they are extremely condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-28 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

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

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} ChargeofXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXX Owed : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$4800.00}- 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 2025-03-28 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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