vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: LA

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 explanation
Consumer complaint received 2025-03-31 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: LA

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a push notification in my banking app ( USAA Federal Savings Bank ) about a PIN change request for the debit card on XXXX of my checking accounts. I was instructed to contact the bank immediately if I did not request a PIN change. I did not request a PIN change so I contacted the bank immediately. 

I contacted the bank and told them emphatically that I had not requested a PIN change. While on the phone with the bank, I noticed XXXX unauthorized debit card transactions on this account. A POS debit for {$110.00}, an ATM withdrawal for {$400.00}, and an ATM withdrawal for {$100.00}. I notified the bank that these XXXX transactions were not authorized. 

I asked for the debit card on this account to be deactivated. I also asked not to have a replacement debit card issued for this account because I never use the debit card for this account. 

I was told a fraud investigation would begin on these transactions. Later that day ( XX/XX/XXXX ), the bank issued a temporary credit for all three transactions, in the amount of {$610.00}. 

On XX/XX/XXXX, and XX/XX/XXXX, I received correspondence from the bank that all three transactions were found to be authorized and that the temporary credits would be removed from the account on XX/XX/XXXX and XX/XX/XXXX. 

I called the bank on XX/XX/XXXX and asked to speak with someone from the department that investigated the fraud so that they could explain to me how these unauthorized transactions were determined to be authorized. I was not allowed to speak to anyone other than customer service representatives. 

I requested the information or documents that the bank used to make the determination that these transactions were authorized during this call ( on XX/XX/XXXX ). I have yet to receive that information or any documents. 

I did not authorize the PIN change request, so if a new PIN was created fraudulently, that is a failure of the bank. The bank 's job is to safeguard access to my assets and they failed. The bottom line is that this was unauthorized activity ( theft ) and the bank failed at preventing it. They are not acknowledging their failure and protecting their customer.

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 monetary relief
Consumer complaint received 2025-03-31 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-31 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-31 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 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: CITIBANK, N.A.
State: MD

Complaint narrative:
My XXXX XXXX is reporting fraud on this credit card account, XXXX is doing charge backs, which is causing my accounts to be suspended. This isn't fraud, we have a notarized agreement from XXXX, stating that she wanted me to manage her credit cards, which included this one.

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 2025-03-31 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: CO

Complaint narrative:
I am reaching out to formally dispute the presence of a bankruptcy entry on my credit report, as it has been inaccurately included. I have obtained an official letter from the court explicitly stating that this bankruptcy should not have been reported to your agency. Despite this clear evidence, the record remains on my credit file, which is both misleading and unjust. The continued presence of this inaccurate information is negatively impacting my credit standing and does not reflect my actual financial history. 

Furthermore, I am extremely concerned about the involvement of an unauthorized third party in this matter. This raises serious questions about the integrity and accuracy of my credit report, further exacerbating an already alarming situation. The presence of an unapproved entity in a matter as critical as my credit reporting is unacceptable and warrants immediate attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This is an ongoing issue with this bank newrez ( PHH ). for years I have struggled but I just finished a bankruptcy in XXXX. I paid my bankruptcy off and was XXXX and I made my monthly mortgage payments every month. Then I was sent a letter I owed over {$14000.00} then the total when the intent to foreclose came for over {$18000.00} or they would foreclose on my home. I hired a lawyer and I sent the monies over {$18000.00} ( see attached letter ) once all paid the bank XXXX reinstated my loan. I started paying my mortgage on time and I noticed fees added first over {$600.00} then once the loan was reinstated they have on my bill assessed charges of {$2300.00}. I had to have an attorney write them to find out these are additional attorney fees and they can charge this and I can pay it anytime it is not part of my mortgage payments. So I have now an added {$2300.00} sitting on my monthly mortgage statments month after month until I can pay. it. 

I have been paying my mortgage monthly In XXXX I fell behind {$1800.00} then in XXXX. XXXX XXXX I went online to see I was 44 days behind an I put in for a payment to come out on XX/XX/XXXX when I knew I would be paid. I do work on commisisons. Since then I have made not XXXX, not XXXX but XXXX payments bringing my account up to date and I even have a payment coming out today the XXXX payment for the XXXX, XXXX payment. Today sitting at home I received certified mail from the bank 'NOTICE OF INTENT TO FORECLOSE '' unbelievable! My account wasn't even 60 days late and I made payments but on XX/XX/XXXX they sent out a letter that I am getting today a week later. I called spoke with XXXX # XXXX, who helped me and said she was sorry. That my account is current and disregard these letters? I am sorry the damage is done. My entire day is ruined, I am stressed out yet again over my mortgage. This isn't living this is harassment. 
I feel like this bank is a vulture waiting for me to fall over so they can take my house. Time and time again, it is sooooo hard! What are my rights here? The undue stress and emotional toll it take out of me is too much. I am not blaming the bank for when i am late what I am blaming them for is their obvious blatant attempt to take my house over and over again. 
My mortgage is paid up and they can say this is how they do things, but I think as a homeowner who has lived in this house 20 years, I deserve better! I am contacting my attorney again to write a letter, and it will cost me more money what rights do I have when this is ongoing and never ending? Do I have any rights. Many Americans struggle from time to time like me. I have kids at home I have dogs. No one needs this stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, I received multiple calls from United Collection Bureau XXXX XXXX at XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, they mailed a letter to my home address sometime between XX/XX/XXXX and XX/XX/XXXX regarding an alleged debt. Along with calling my husband 's phone several times during the same time period. 

I answered their call on XX/XX/XXXX, during which they stated they were attempting to collect a debt on behalf of XXXX XXXX XXXX. They provided the date of service and the amount they claimed I owed. I informed them that I would verify this information directly with XXXX XXXX XXXX before proceeding. 

Upon contacting XXXX XXXX XXXX, I confirmed that my account is current and that no debt had been sent to collections. I also verified with my bank that all my payments to XXXX XXXX XXXX had been successfully processed with no missed payments. 

I then called United Collection Bureau back and explained that, based on my conversations with the hospital and my bank records, their claim appeared to be incorrect. I asked them to review their records and confirm the status directly with XXXX XXXX XXXX. The representative insisted they still held the debt and demanded payment through them. I declined, reiterated that I would not be paying them, and requested that they stop contacting me. 

Despite this, they called again on XX/XX/XXXX. I was unable to answer, so I again contacted XXXX XXXX XXXX, who reconfirmed that my account remained in good standing and that no debt had been turned over to collections. 

After receiving a letter in the mail from United Collection Bureau following the XX/XX/XXXX call, I attempted to return their call. No one answered, so I left a voicemail requesting that they stop contacting me, and again asked them to confirm the account status with XXXX XXXX XXXX. 

On XX/XX/XXXX, they called me yet again, and I did not answer. In addition to calling me, they have also been calling and harassing my husband on his phone, which is unacceptable. 

I am requesting that all contact from United Collection Bureau cease immediately and that they correct their records after verifying with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-31 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: NRA Group, LLC
State: TX

Complaint narrative:
This all started from my information being breached I began to see unverified information in my credit report, attached I have correspondence between me and XXXX XXXX  showing and proving I was scammed out of money. I showed proof the fake loan acceptance. Then I had to write them a letter disputing the charges with a copy of my id and my signature. After they still made me liable for information and it has hit my credit score in late payments and charges off which has dropped my credit approximately XXXX XXXX, Once I showed all proof I have contacted these companies about removing negative remarks off my credit score because of identity theft/ fraud I have had no correspondence just negative remarks on my credit score

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 2025-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This all started from my information being breached I began to see unverified information in my credit report, attached I have correspondence between me and XXXXXXXX XXXX showing and proving I was scammed out of money. I showed proof the fake loan acceptance. Then I had to write them a letter disputing the charges with a copy of my id and my signature. After they still made me liable for information and it has hit my credit score in late payments and charges off which has dropped my credit approximately XXXX XXXX, Once I showed all proof I have contacted these companies about removing negative remarks off my credit score because of identity theft/ fraud I have had no correspondence just negative remarks on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Capio Partners, LLC
State: TX

Complaint narrative:
This all started from my information being breached I began to see unverified information in my credit report, attached I have correspondence between me and XXXXXXXX XXXX  showing and proving I was scammed out of money. I showed proof the fake loan acceptance. Then I had to write them a letter disputing the charges with a copy of my id and my signature. After they still made me liable for information and it has hit my credit score in late payments and charges off which has dropped my credit approximately XXXX XXXX, Once I showed all proof I have contacted these companies about removing negative remarks off my credit score because of identity theft/ fraud I have had no correspondence just negative remarks on my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a call from someone saying that her name was XXXX XXXX and she was with XXXX XXXX XXXX and that she was calling me about a Chase Credit Card from 2014. She stated that I owed over {$11000.00}. She then stated that before I said I didn't remember the debt that she wasn't buying it. She stated that she had already contact my employer and was going to have my wages garnished, my bank levied and she would have me arrested. She said she could get it down to {$3600.00} if I agreed to pay today and not to waste her time as she was due in court in XXXX minutes. I bullied me into agreeing to pay {$600.00} on XX/XX/XXXX and {$1000.00} for the next XXXX months on the XXXX and she stated this a check by phone agreement and if I went back she would throw me in jail. So I set it up with her, however after talking with my daughter and running my credit report, there was nothing on it for Chase Bank. I went to my bank and closed the account. The next day she left me a voicemail saying that my checks were going to the XXXX 's office and the recording was going to my bank as I had agreed to make the payments. She said she was going to show my better than tell me that my state doesn't adhere to credit laws and that I would be put in jail. She said if I don't call her with my new bank information that she would show me rather than tell me that she would make sure the IRS comes after me and that my job is garnished. She stated that she was not playing with me, XXXX XXXX and that she would show me how the jails work in Texas.

Company response to consumer: Closed with explanation