vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-20 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
A rented a car from XXXX. i paid the agreed amount of the rental term. I returned the car and was charged a cleaning fee of {$400.00} when I returned the car in perfect condition. I have reached out to the company several times with no response, explanation or proof. I had froze the credit card I had used to pay for the rental as I do at all times when I'm not using the card. Navy Federal still authorized the transaction anyway despite the fact I had frozen the card so that it is not used for any additional purchases. After disputing the transaction, Navy Federal refused to reverse the charge and allow me to settle the dispute with XXXX directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
Velocity Investment, LLC & XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Telephone : XXXX On XX/XX/XXXX, Velocity Investment, LLC and XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  file the civil suit and the Civil Court of the XXXX XXXX XXXX XXXX. The summons was left on my doorstep which violates my privacy as anyone who passed my relatives doorway could visibly see my financial information. I'm already a victim of my identity theft. I answered the summons on XX/XX/XXXX of XXXX. In addition, on XX/XX/XXXX of XXXX I sent a cease and desist letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I continue to receive by mail and certified mail communications from this attorney regarding the civil suit. I have contacted the attorney for XXXX to express my concerns of the violation of my privacy as well as their harassment. On XX/XX/XXXX of XXXX, I was declared XXXX by the Social Security Administration due to XXXX XXXX and XXXX and receiving both physical and mental harm. Following the attack, my bank account was hacked XXXX times, and my bank account was closed. I had no access to money. On XX/XX/XXXX, I suffered a XXXX which left me XXXX  XXXX. I am currently receiving XXXX benefits from the Social Security Administration. This information has been provided to the attorney firm and they continue to harass me and have sent various written communications to an address where I do not live. Therefore, I would like to file a complaint against Velocity Investments , LLC and XXXX XXXX XXXX for their continued harassment and trying to collect a debt. Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
MARINER FINANCE , LLC XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX ( XXXX ) XXXX // XXXX XXXX XXXX on Behalf of Mariner Finance Attorney Bar ID : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX // An agreement between all parties was made, and accepted, on XX/XX/2025 to pay the Mariner Finance loan account XXXX XXXX ) in full ( including amounts over and above what I initially borrowed - {$5000.00} ) through XXXXXXXX XXXX XXXX XXXX XXXX  XXXX was notified immediately, Mariner Finance accepted the offer, and an account was set up to make timely payments starting in XXXX. 

// Despite this, XXXX XXXX XXXX, and maliciously, pursued a judgement against me, on XX/XX/XXXX, with the Superior XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and now it is a matter of public record that I defaulted on this loan, which I did not. Furthermore, the judgment awarded has increased to {$5400.00}, and then including fees it has increased to {$5600.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Case / Docket number XXXX XXXX XXXX XXXX  Transaction ID XXXX // I do not understand why this completely unnecessary action was taken and I would like to amicably resolve it, remove it from any public record, and I would hope you might be able to assist in taking whatever actions needed to correct this egregious and unfair action. It's extremely important that this action be reversed as it may impact my future job and borrowing opportunities, and further negatively impact my otherwise spotless background history. 

// I can provide evidence of all of the above statements, as can XXXX XXXX XXXX XXXX. 

// Thank you for any assistance you can provide. 

// XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Creditor Phone : XXXX Phone : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
A guy name XXXX use my account without my permission and transferred money to two different bank accounts. He once tried to give it back but cashapp wasnt allowing me to pull money back so he kept all of it after a couple days and stop answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently discovered that my XXXX is being reported on my credit reports by [ Experian, Equifax, and/or TransUnion ] , despite never giving permission for this information to be shared. I did not authorize the courts or any financial institutions to disclose this information, and I believe this reporting is incorrect and unfairly damaging my credit profile. 

Key Details : Date of XXXX Filing : XXXX Date I Noticed It on My Credit Report : XXXX Credit Bureaus Reporting It : [ List Experian, Equifax, and/or TransUnion ] Steps Ive Taken : I have disputed this information directly with the credit bureaus, but they have failed to correct or remove it. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit file be accurate, verifiable, and fairly obtained. Since I never authorized the release of my XXXX details, I request that this information be immediately removed from my credit reports. 

I am seeking a full investigation into how this information was obtained and reported, along with a correction to my credit file. Please provide a response outlining the steps that will be taken to resolve this issue.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-20 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: VA

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - XXXX : {$290.00} - Account # : XXXX XXXX XXXX- Balance : {$360.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$300.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$320.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$5100.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-20 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: FL

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.

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 2025-03-20 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: CA

Complaint narrative:
I demand DELETE and or BLOCK According to law that you immediately provide the following information regarding your verification of these accounts The precise method used to verify the accounts. A copy of the original documentation relied upon. The name, title, and contact information of the individual or entity that conducted the verification. pursuant to the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ), and under Section 605B of the FCRA ( 15 U.S. Code 1681c-2 ), you are obligated to block and remove information resulting from identity theft. Furthermore, Section 611 ( a ) ( 7 ) of the FCRA ( 15 U.S. Code 1681i ) mandates that you provide detailed documentation of the verification process. To date, you have failed to meet these requirements DELETE OR BLOCK ACCORINGLY Inquiry Unauthorized Prepared Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Mortgage Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Balance {$62000.00} Balance updated XX/XX/XXXX Original balance {$34000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Original balance {$65000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage Address XXXX XXXX, XXXX  XXXX Phone number ( 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 2025-03-20 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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  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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
I have a XXXX-XXXX money checking account. I received an email that the parent banking company was changing and I needed to opt in to continue or my account would be closed. I tried to access the opt in function through their app multiple times but was unable to. I tried to call customer service and was left on hold for over XXXX minutes no fewer than XXXX  times. When I finally got ahold of a person I was told my account was on restriction and I have no access to my funds. The account will be closed on or around XX/XX/year> and a paper check will be mailed after that so I do not have access to the money in my account for a minimum of XXXX weeks but there is no way to tell how long it will take. This can not survive without those funds. Please help

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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am not aware of the alleged debt that the debt collector is reporting on my credit report. The company is reporting inaccurate info on my report and it's affecting me in negative way.I 'm having a hard time getting credit. So. I am opting out. 
Per the CFR as a federally protected consumer, I am opting out of any and all authorization. I, the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: WI

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - ACCT # : XXXX, Bal- {$490.00}, opened : XX/XX/XXXX XXXX XXXX - ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX  XXXX XXXX ACCT XXXX : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX - ACCT XXXX XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- ACCT # : XXXX, Bal- {$280.00}, Opened : XX/XX/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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account number XXXX Address of company:XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Im am complaining against this company with federal code 15 USC 1692c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX reported to my credit company XX/XX/year>. They have it reported as deferred. University has returned the loan back to XXXX XXXX. loan is in an unknown status not deferred nor do I owe XXXX. When I reach out they have no information or any account with my name. ACCOUNT WAS NEVER OPENED FOR LOAN. WAS RETURNED BY XXXX XXXX XXXX  AND CANCELLED.

Company response to consumer: Closed with non-monetary relief