vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I sent them documentation regarding the debt as I thought it was included in a bankruptcy. I had documentation that I did not owe the company as they charged me incorrectly. It was merchandise that I bought but I returned it ( rent to own ) and sent the company the tracking information and receipts to verify it had been sent back. The company, Acima, did not update their files and about XXXX years later, referred this debt, which was incorrect, to a collections agency. They did not send any information that I could dispute the debt which was obvious if I reached out to them regarding the debt and sent bankruptcy information. They are aware I am trying to purchase a home as their response was " we know you're trying to get a mortgage ' and tried to force me to pay the debt. I forwarded the documentation that the merchandise was returned and they have not removed the erroneous information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received text alerts concerning my CHASE checking account of money being withdrawn from an ATM of {$480.00} and then started getting alerts of about 15 debit card transactions being made at a XXXX in XXXX, Texas of {$1500.00}. After looking into my account, it said that the transactions occurred on XX/XX/year> ; however, I was in XXXX, Texas at XXXX, which is XXXX University all day and no where near an ATM nor was I getting money from an ATM. CHASE has denied the claim for {$480.00} because my debit card and pin were used. However, I have my debit card in possession and I had it in possession on the day that the money was stolen, so someone stole my identity. I will include my location history on the days of questioning in the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 am formally disputing the following negative items on my credit report : XXXX XXXXXXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omnipoint Capital
State: KS

Complaint narrative:
I received a call from XXXX. The caller left a voicemail asking me to return their call. They identified themselves as XXXX XXXX XXXX XXXX and provided a callback number : XXXX. 

When I called back, I asked what the call was regarding. They told me it was about a XXXX account and then asked me to verify my Social Security number and date of birth. I declined to provide that information without first receiving a written notice about the alleged debt. The representative responded, saying, Yeah, no, were not going to do thatI already sent it. 

In addition, they also contacted my husband. During that call, they were aggressive and hostile when he declined to provide any information. Despite this, they still disclosed details about the alleged XXXX account and asked him to verify my personal information. I did not authorize them to share any of my information with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, i was unemployed and XXXX started to slow down so i couldnt afford my monthly payments. I missed 2 months consecutively and Ive made every payment before then and ever since it happened. Ive been in positive standing for 2 years and have been told that Wells Fargo Auto is willing to waive a late payment or XXXX if you call or wrote a goodwill letter. XXXX looking to get another car soon and not only are these XXXX late payments from years ago still affecting me, this is also mh oldest account so my credit will get knocked down when i pay it off this month. All i want is for the XXXX late payments to be removed and Ill gladly return to Wells Fargo auto as a 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Three Major credit reporting agencies are reporting Unauthorized, Fraudulent hard inquiries on my credit report please see attached FTC report # XXXX & please also UPDATE My personal address thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Equifax According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phones numbers i demand my social security number and date of birth to be removed From being displayed on the credit file for my privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected Consumer and I have a right to privacy. Not granting me my rights is in direct Violation of 15 USC 1681. And all its subsections. Please update and delete all requested personal information. 

Best Regards, XXXX XXXX Also I have hard inquiries that are mines but they are passed XXXX  Months also removed them from my consumer profile Experian XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion-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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I took out a {$50000.00} business loan that was deposited into my Chase business checking account. Shortly after, Chase froze my account without prior notice, and I was told the funds would not be available until a paper check is mailed on XX/XX/XXXX. 

I am now paying interest on a loan I can not access, and Chase has refused to allow any exceptions, including in-branch withdrawal, cashier 's check, or wire. 

These funds are not related to a fraud investigation or flagged transaction they are loan proceeds. This delay is causing significant and irreversible harm, as I am legally obligated to close on a business acquisition by XX/XX/XXXX, and Chases actions are now jeopardizing that. 

I have escalated this to Chases customer service and risk teams multiple times, and Ive been told nothing can be done. This is unacceptable and requires immediate investigation. I am requesting an immediate release of the funds or a cashiers check issued at a local branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I opened a XXXX XXXX XXXX Barclays credit card XX/XX/year> I purchased two {$100.00} gift cards and {$110.00} at XXXX XXXX. The fraud dept sent me another card & assured me that my card was secure. But it wasnt. I closed the account but could not get any statements because I kept getting locked out of my online account. 
Barclaycard sent me to collection even though they acknowledged the fraud. I need help with this and I would rather not have to spend money since I am a retired senior. But I refuse to pay for items I did not receive. Would you want to pay {$2200.00} for nothing? The investigation was not very good. They say a third party had my financial details as if I was to blame. So help me get the truth of this matter. 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 monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as a formal dispute regarding the reporting of inaccurate and unverifiable information on my credit report. My account was impacted by the Equifax Data Breach ( Engagement Number : XXXX ), and I have reason to believe that fraudulent or inaccurate accounts have been reported in my name as a result. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 15 U.S.C. 1681c-2, and 15 U.S.C. 1681b, you are legally required to ensure that all information reported on my credit file is accurate and verifiable. I demand immediate verification or removal of the following accounts that do not belong to me :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal dispute regarding the reporting of inaccurate and unverifiable information on my credit report. My account was impacted by the Equifax Data Breach ( Engagement Number : XXXX ), and I have reason to believe that fraudulent or inaccurate accounts have been reported in my name as a result. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 15 U.S.C. 1681c-2, and 15 U.S.C. 1681b, you are legally required to ensure that all information reported on my credit file is accurate and verifiable. I demand immediate verification or removal of the following accounts that do not belong to me :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Freedom Mortgage Company
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide 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 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Im not quite sure what theyre referring to and secondly, my identity was stolen. It was leaked through XXXX a couple times. My house was ransacked and like my safes were taken with all my personal information in it. This has passed a statue of credit collecting it was XXXX years ago, so either way this should not even be an issue. It shouldnt even have to be worrying about this so I need this taken off. I need them to close this account out not in a negative. And as well as in the letter they sent told me that I had a certain amount of time to fight this. It shouldnt even been sent out in the first place. You guys have no legs to stand on so lets stop playing games and lets get this taken care of thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As part of pre-employment background check, XXXX XXXX ( with my permission ) received information from Equifax and XXXX listing employers inaccurately. Namely " Foundever '' and " XXXX  XXXX XXXX '' was listed as an employer. Can this information be corrected as I have never worked for these companies? I have never earned with them and I am unsure why they are listed as an employer for myself. Also listed is XXXX XXXX XXXX, I have never worked for this company either. Please remove both of these employers as they are inaccurately reflected. They are both companies I applied for employment, but never accepted nor worked for either employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank mishandled my {$2000.00} deposit, causing my account to be overdrawn. I had to personally escalate the issue multiple times to get my funds restored. 

Even after fixing the deposit error, TD Bank has refused to provide written accountability or offer any compensation for the financial risk, time lost, and stress caused by their negligence.

Corporate has been unhelpful, and I have been unable to get a direct resolution from any TD representative. I am requesting CFPB intervention to hold TD Bank accountable and ensure proper compensation for the damages caused by this banking failure. 

Additionally, when I made my deposit, the teller did NOT request my debit card or ID, which is highly unusual and not standard banking procedure. This raises serious concerns about how TD Bank processes deposits and safeguards customer funds. I believe this procedural failure directly contributed to my deposit being mishandled and my account being overdrawn. 

I am requesting a full review of this case, accountability from TD Bank for their failure, and appropriate compensation for the financial risk, time lost, and stress this has caused me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account name : XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request

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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I originally took out the loan with Avant on XX/XX/XXXX I was notified the loan originally went into default in XX/XX/XXXX. 

I was offered a payment plan back in XX/XX/XXXX. I made some payments but was in financial distress situation as a single mother of a toddler. Of which I did fully communicate this to Avant back then. 

XXXX XXXX XXXX hasnt provided the original promissory note or the original default agreement. 

I have already asked them to completely remove this negative mark from my credit and their response was a hard no. 

According to the statute of limitations in the state of Georgia, a loan default is between XXXX ( XXXX ) to XXXX ( XXXX ) years. Its been well beyond XXXX ( XXXX ) years since the original default on the loan. As of XX/XX/XXXX, XXXX ( XXXX ) years have passed from the original default date. 

They have continued to harass me with phone calls and text messages beyond the statute of limitations on this loan default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief