vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Approx 3 weeks ago I applied for a credit card increase on my account. Currently it's only at {$2000.00}. I was told that the last time I requested a increase was in XXXX. The back story is that I joined NFCU in XXXX and have direct deposit Navy XXXX XXXX, XXXX XXXX and VA XXXX pay with them. I'm retired Navy. I even have a business account with them. I have two loans that money is taken out monthly for my Jeep. I have over {$100000.00} in my savings account, My 3 FICO scores are all over XXXX. 

But yet I was declined. I don't see how they can justify the declined. Their reason stated Delinquent performance. What I don't understand is that I have it set up when if I have a bill that is due I authorized them to just take money from my savings account. When I talked to someone about my disappointment. I was told that NFCU is all about relationships. When if 45 years of being a member isn't considered a relastionship plus having my family members have accounts there as well. I'm feeling like I'm not getting a fair shake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NJ

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 non-monetary relief
Consumer complaint received 2025-01-22 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
XXXX  has closed my account with them and my XXXX  credit card without cause or explanation. I've had a XXXX  account since XX/XX/XXXX. I use it several times a month to pay friends and family and to make purchases on XXXX and XXXX using those platform 's native integration. 

On XX/XX/XXXX, XXXX  suspended my account, sending an email that stated : " XXXX noticed some unusual activity linked to your XXXX  account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. To resolve this issue, please submit a picture of your photo identification via our Document Upload Form, linked below. For your privacy and security, please do not reply back to this email with your documents. '' I submitted a passport and drivers license to the link they provided. On XX/XX/XXXX, they replied with : " We have recently reviewed your usage of XXXX XXXX services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with XXXX XXXX User Agreement. As a result, we have placed a permanent limitation on your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: KY

Complaint narrative:
D & A Services contacted me about an alleged debt. I requested a Debt Verification Letter via email provided and they are still contacting both myself and my spouse after the request to provide this information. When I tried to contact via email again to the address provided, my email is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account name, CAPITAL ONE Date opened XX/XX/XXXX XXXX, XXXX. 
Status updated XX/XX/XXXX. 

XXXX XXXX  Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, These accounts listed above with the above information is listed on my credit report as delinquent. Capital one and XXXX has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it to my credit report specially XXXX, I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. This negative information and fraudulent information has impacted my credit significant and has cause my current creditor to lower my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Debt about XXXX cable opned on XXXX XXXX, XXXX  ( XXXX mos ) Thats not mine and on that month someone stole my info my ssn, name and address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Eqiofax is reporting me as XXXX payments past due on my XXXX account. I am not presently late with XXXX. In a phone call with me and in response to a complaint from the CFPB, XXXX agereed to remove the negative information from my report, as it was submitted in error. They provided me with an " XXXX '' number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm filling a complaint against equifax for falling to properly investigate my disputes regarding inaccurate information on my credit report. Despite my my submission, Equifax constantly respond with 24 hour 's stating the account is accurate without providing any evidence of thorough investigation. This practice violates the fair credit report act which mandates responsible investigation. Further more Equifax actions is part of the CFpA most recent case filed against them for similar violations. I request that CFPb take action to ensure Equifax complie with the federal law and provide consumers with proof of proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Under FCRA XXXX XXXX Regarding XXXX XXXX XXXX Dear Equifax, I am writing to formally request the method of verification ( MOV ) for the XXXX XXXX XXXX appearing on my credit report, as is my right under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have made repeated attempts to have this matter addressed appropriately, and Equifax has failed to fulfill its obligations under federal law. 

Despite my requests for the MOV, Equifax has returned numerous disputesboth authorized and unauthorizedpertaining to this tradeline, exceeding XXXX instances. This excessive and improper handling of disputes is in direct violation of my rights under the FCRA. Furthermore, I demand that you either provide the specific method of verification used to validate the accuracy of the XXXX XXXX tradeline or remove it entirely from my credit file, as required by law. 

As a result of Equifaxs repeated failure to comply with federal statutes, I am now escalating this matter to demand resolution through arbitration, as provided under applicable laws. I am also seeking compensation for the damages caused by Equifaxs mishandling of my disputes and the undue burden this has placed on me. I am demanding a resolution in the amount of {$50000.00} to address the financial and emotional distress caused by your companys continued non-compliance with the FCRA and the mishandling of my dispute rights. 

Requested Actions : XXXX. Provide a full and complete written disclosure of the method of verification for the XXXX XXXX tradeline, as mandated under FCRA Section 609. 
XXXX. If the tradeline can not be properly verified, remove it immediately from my credit report. 
XXXX. Initiate arbitration to resolve this matter, and provide compensation in the amount of {$50000.00} for XXXX improper handling of disputes and failure to meet its legal obligations. 

Please respond to this letter within 15 days of receipt, as required by law. This is not a Dispute! I demand the immediate submission of all documentation and correspondence for all past disputes with this tradeline to support its subsequent VERIFICATIONS as mentioned above ; as is my right per Federal law. Failure to resolve this matter appropriately will leave me no choice but to pursue legal action and contact the Consumer Financial Protection Bureau ( CFPB ) directly, and other relevant regulatory agencies. 

I look forward to your prompt response and a resolution to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I opened an account with XXXX XXXX Bank in 2022. I requested a loan for ( I believe ) {$5000.00}. I do not remember specific dates, but I do remember on Friday I was approved for a loan, by the time I came to fill out the paperwork on Monday, I was denied. This completely screwed me over as this loan was going to help finish paying off my wedding which put me in a tight predicament. 

I had {$2.00} in my account. XXXX XXXX decided to let my account be charged multiple times from multiple different places until my account was - {$870.00}. And now they are saying I owe them. If I didn't have the money in my account, I'm not understanding why they were letting charges come through and for so much. Now I'm at fault and am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I am formally disputing the late payment entries on my credit 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 XXXXXXXX - {$36000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and inaccurate information.

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 2025-01-22 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:
To Whom It May Concern, 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 - XX/XX/year> - {$790.00}

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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am seeking your help to investigate accounts from companies reporting late payments inaccurately. Upon reviewing my credit report, I discovered specific accounts marked with late payments, which is incorrect. There should be no late payment records on these accounts.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
I initially reached out to dispute the debt reported by PlusFour Inc., as I do not recognize the account or the medical procedures it claims to represent. In response, PlusFour provided medical information and a receipt related to radiology procedures allegedly performed on XX/XX/scrub>XXXX XXXX XXXX  However, I have no recollection of undergoing such procedures or authorizing any charges related to them. 

Additionally, I never gave consent for my medical information to be shared with any third-party collection agency. This raises serious concerns about potential violations of my HIPAA rights and the accuracy of the debt being reported. 

I disputed these results with XXXX and received generic response.

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 2025-01-22 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: VA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY 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 2025-01-22 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: IL

Complaint narrative:
I am a victim of identity theft, This account doesn't belong to me XXXX and Transunion has allowed this company to put this on my credit report without a proper investigation.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2025-01-22 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
The collection agency, CTech Collection Inc., XXXX XXXX XXXX XXXX  XXXX, NY XXXX, is attempting to collected a debt they alleged I owe to XXXX XXXX XXXX XXXX, XXXX, NY, for an exam conducted on my XXXX XXXX baby, XXXX XXXX, 10 days after she was born, on/about XX/XX/year> ; we did not obtain services at that time ; we visited the office, and the nursing assistant attempted to draw blood from my newborns finger, she injured my baby and massive amounts of blood began pouring it, yet, the assistant continued to scrap and re-injure the puncture would with a needle ; I demanded she stop and I left the office immediate with my baby. I have filed a medical complaint with the NYS Dept of Health against the facility as well for same. I also had insurance at this time, which I provided to facility prior to appointment, they stated my insurance would cover visit. Then, they sent bill for {$1500.00} for service did not even received where they injured baby requiring further doctor appointment and emotional trauma. Although requested to stop, collection agency continues to harass with ongoing phone calls and mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
Ive gone through my credit report and noticed some errors in how certain accounts are reported. These inaccuracies are lowering my credit score and could affect important financial decisions Im making.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
We traded in our car on XX/XX/XXXX. We provided the dealer with the full payoff of the car. The dealer paid Wells Fargo on //XXXX XXXX, XXXX after we made another car payment on XX/XX/XXXX. There should have been a {$500.00} over payment. Wells Fargo added on almost {$500.00} in late feels on XX/XX/XXXX. There should be no late fees since we over paid. This company is well know for its criminal activity.

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