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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX # XXXX RESURGENT CAPITAL SERVICES ATTN : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX NOTICE AND XXXX FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT XXXX XXXX XXXX : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining XXXX XXXX XXXX consumer report on XX/XX/XXXXXXXX  without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with RESURGENT CAPITAL SERVICE. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with RESURGENT CAPITAL SERVICE for review or collection. 

Pursuant to 15U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Send payment immediately via Certified Funds to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Do to medical problems I was not able to get to my local branch of PNC to renew my cd that matured on XX/XX/year>. On XX/XX/year>XXXX  I tried to renew by calling PNC customer service at XXXX and was told I couldnt renew it because it had already been renewed by PNC for .031 %. I filed a complaint and was told it would take 2 + 5 days to investigate and I received no response. I called again and was told no one had the authority because it was over XXXX. I was referred to management, a XXXX XXXX at XXXX and she told me that it would be another 3 to 5 business days for her to investigate and would need approval from higher up. It is now XX/XX/year>, I called again but had to leave a message but have not received a callback at XXXX XX/XX/year>. Please help resolve this matter as soon as possible. Thank you.

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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for 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 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My information was exposed in a identity theft data breach & this information should be removed from my accounts/profile immediately. 
Under Consumer Law U.S.C. 1681 NAVY FEDERAL CR UNION XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1100.00} Balance updated XX/XX/XXXXXXXX  Credit limit {$1000.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Credit card Payment summary XXXXXXXX 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 PAYMENT HISTORY LEGEND Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX  Past due amount {$1100.00} Highest balance {$1200.00} Monthly payment - Last payment date XX/XX/XXXXXXXX  Additional info Responsibility Individual Terms - Company sold - Original creditor-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I tried to deposit checks into savings accounts on XXXX XXXX. On XXXX XXXX the checks were marked as fraud. My account was frozen until XXXX XXXX. My account was then closed. As of XXXX XXXX a check has not been issued. I want a check for my account balance. They can return my checks if they do not want to cash them. They are unwilling to even give me a time frame of receiving my money and it has been almost a month. My account is gone and I do not have funds. Where is my money? This is theft. They blocked my automatic chase credit card payment so I am now paying interest on a card that is always automatically paid off in full every month. I should not have to pay interest on this because Chase is holding my money. I should not have this effect my credit because Chase is holding my funds. Today I called Chase and they can not verify the bureau of fiscal services phone number in their system to call them to verify my check. The main US treasury number can not verify the checks.

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 status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: TX

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX  XXXX is the collateral agent for XXXX XXXX XXXX XXXX XXXX XXXX the fiscal agent for XXXX in conducting off the books book keeping for XXXX  and Federal Grant Money. XXXX  XXXX XXXX has a remittance account that they have been moving revenue through for Conduent for the gain of the XXXX. I am requested that a full accounting ledger of account XXXX XXXX. XXXX which appears to be a non-UCC filing and NYS Case Id No. XXXX provide a notice of assignment and accounting that adheres to Federal Mandates and NYS UCC 9-406 & 9-210 Right to Accounting & Notice of Assignment. I am requesting the XXXX  XXXX XXXX provide acknowledgement that they deposited an accord & satisfaction as it was deposited by special deposit to form an agreement with Conduent to close this particular remittance account. XXXX  business records show that this deposit and acceptance is recorded upon XXXX  business 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I asked for record of debt so I can pay. 
They have no record. 
Chain of assignments Purchase agreement 15 us code 6802 15 us code 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports has old address on that are not my address. Creditors have file 1099 on my credit and credit score is low. Have never received in 1099 for tax information. Other creditors havent not report the right information and Experian has not reported information correctly for years. So now. I am pay high rates on money in getting anything in my name. I working on my credit now but its hard fixing something when its report wrong to the credit bureau. My contact number is ( XXXX ) XXXX. My name is XXXX XXXX. Thank 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 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 — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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

Complaint narrative:
On or around XX/XX/year> I received a notification that CashApp was deactivating my account due to violation of the Terms of Service; however, I know that I have not engaged in any nefarious activity via my CashApp account ; therefore, I launched an inquiry the same day to ascertain what activity resulted in them making the determination to deactivate my account. On XX/XX/year>, I received an email from CashApp support stating that they conducted a review of my account activity and based on that review they " found activity that violates '' their Terms of Service; and in response to that, on XX/XX/year> I asked them to provide me with the details of their review so I can understand what alleged activity resulted in a violation of their Terms of Service. CashApp support responded on XX/XX/year> and only repeated the same line that they stated on XX/XX/year> that their review showed that there as activity that violated their Terms of Service. I replied explaining to them that they still had not answered my question where I wanted to understand what specific activity they were referring to. CashApp support responded on XX/XX/year> stating that they can confirm they thoroughly investigated my concerns and provided an outcome to the issues I raised ; however, they still did not provide me with the specific activity that led to them deactivating my account. Again, I raised the issue with them that they still had not answered my question as to what activity ; therefore, I called them on XX/XX/year> to speak to someone directly. During that conversation, the CashApp representative just kept repeating the same line that CashApp had been feeding me since this all started that they have completed a thorough review of my account and they determined that I violated their Terms of Service, without any specific description of the alleged activity. On the same day, XX/XX/year>, I received another email from CashApp support stating that they have provided me with all of the available details ; however, that is not true because they still have not provided me with the specific details of the activities that led them to deactivate my account. This is when I decided to file this complaint with the CFPB because I believe that CashApp has randomly targeted me for no reason.

Company response to consumer: Closed with explanation