vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency provide the method of verification for item disputed in my recent compliant. Under the fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : 1.The source ( s ) of the information used to verify the disputed items.

2.Documentation or evidence supporting the verification.

3.A detailed explanation of your verification process.

If you are unable to provide this, I request the items in question be deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA.

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 2025-03-05 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
As part of a mortgage refinance, I paid off CKS Prime Investments in the amount of {$750.00}. It was confirmed delivered on Monday, XXXX XXXX XXXX, and they cashed the check on XXXX XXXX XXXX. I have proof of both. They will not update that the amount is paid with their collection agency, XXXX XXXX. They will not answer the phone and they will not respond to email. XXXX XXXX it seems either doesnt have direct contact with them or cant bring about a solution. I have disputed it with all three credit bureaus, and they will respond to those disputes, only to erroneously update that the balance remains unpaid. I only want my credit report updated and the communications from XXXX to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/year>2025 Capital one restricted my account and said they are not doing business with us anymore due to us being a liability. But will not release my money on my account until investigation is over they say. But will not give me a reason for investigation. That is all the money I have for me and my children and they will not give me any answers nor my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-03-05 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX debit of {$7500.00} was withdrawn from my Chase checking account ending in XXXX by XXXX XXXX XXXX. I did not authorize this transaction in writing or electronically, which violates XXXX rules and Regulation E ( 12 CFR 1005.11 ).

I immediately reported this as fraud to Chase, but they denied my claim, stating that they could not prove it was unauthorized. Chase failed to provide any documentation showing that I gave consent for this debitbecause no such authorization exists. 

Prior to this unauthorized debit, on XX/XX/year>, XXXX XXXX deposited {$10000.00} into my account. However, that deposit was not a loan agreement nor permission for him to later withdraw funds. Chase incorrectly categorized this as a loan without any signed agreement or authorization on my part. 

I have attached screenshots showing : A conversation where I clearly stated I was expecting a wire transfer of {$10000.00} and XXXX XXXX misled me by referencing XXXX small deposits, which is part of the ACH transaction process, not a wire transfer. 
A screenshot showing a list of accounts, including mine, suggesting a pattern of fraudulent activity. 
Text messages where I explicitly requested compensation for services, not agreeing to any loan or repayment arrangement. 
According to XXXX rules, unauthorized XXXX debits must be reversed. Chase is refusing to comply with these regulations and is unfairly holding me liable for an unauthorized transaction. 

I request that the CFPB investigate this claim and ensure that Chase complies with XXXX rules and Regulation XXXX by refunding my {$7500.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
For months I have been trying to get this debt removed from my credit status since it was paid in full, it is not owed and it was always up to date, there is an error and the account still appears on my credit reports such as XXXX, XXXX and XXXX ; now I find myself in a situation where I am trying to acquire a property because this erroneous report has damaged my credit, I need it to be removed. 



This is the information from the agency OPORTUNPROG XXXX XXXX XXXX XXXX XXXX, TX XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-05 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-05 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: Hunt & Henriques
State: CA

Complaint narrative:
I have been in debt consolidation program since XX/XX/XXXX. The debt consolidation program company is XXXX XXXX XXXX I lost the original settlement offer because XXXX XXXX was suing my husband and even froze all of our accounts. My husband filed XXXX XXXX bankruptcy in XXXX. At that time I did not file bankruptcy with my husband because I was debt consolidation company. Once my husband debt was taken care of XXXX  XXXX decided to sell my account Hunt and Henriques, XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I was informed of the creditor mid XXXX when I received the letter that was dated XX/XX/XXXX. At that time I informed XXXX XXXX XXXX. During that time XXXX XXXX XXXX was in contact with Hunt and Henriques, XXXX and I was made assured that the debt was being negotiated. Fast forward to late XXXX I received a letter that was dated XX/XX/XXXX and post mark XX/XX/XXXX with the intend to sue letter. I forward the information to XXXX XXXX XXXX and was told creditor provided a verbal and payment arrangement where accepted if I accept the offer. Fast forward to today XX/XX/XXXX I received a phone call from National Debt Relief stating that Hunt and Henriques rejected the offer and is demanding full payment of {$7400.00} plus additional fees and that the creditor has more power than XXXX XXXX XXXX  and myself as a consumer. The rep from XXXX XXXX XXXX stated that Hunt and Henriques instruction to the negotiator that they will reach out to them as they refuse to settle and when they did reach out they are requesting over 100 % of the original debt. The Debt collector license is XXXX for Hunt and Henriques, XXXX. I fear that they are using tactics do to other cases I have with another law group and are trying to force me to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
When calling Credit Acceptance they say the account is no longer with them and is with XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX say they are legal representation for Credit Acceptance. I am trying to make payments to the car loan but payments can not be made to them by phone or online. I made a recent payment by phone with XXXXXXXX XXXX XXXX for Credit Acceptance but the payment says it went to XXXXXXXX XXXX XXXXXXXX and I have no account with them and Credit Acceptance refuses any communications.

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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
I opened my XXXX account and my score had went down. It said I had a new creditor on my account. 
The creditor is Credence Resource Manage for the company XXXX XXXX for {$400.00}. I didn't know what XXXX XXXX was. I looked it up and it said an internet service. But some other options came up. I'm not sure where to call this company. I have never used this service. I use a local internet service. I did dispute it. But I think someone has used my information. I just don't want it to continue. I've been trying to build my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
Two hard inquiries were made on my credit report including one for Capital One on XX/XX/year> and one for XXXX XXXX  on XX/XX/year>. 
capital one says they do not have an account request or open user my social security number and XXXX was not much help on looking anything up, they said I need to file a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I contacted Mr. Cooper about my insurance for the loan as my payment went above about extra XXXX on my monthly payment because of insurance. they got their own insurance that was too expensive which I cant afford so i did shop for insuranc and I updated it on the system.however, my payment did not decrease. I tried reaching out to Mr. Cooper by phone multiple times there there machine Automated answering machine keeps going loop " I understand you need to speak to an agent, but can you tell me what about and I say about insurance and then it caused like your insurance is this this this and again I understand you need to speak to a person to an agent whats this about '' so I tried to do it through the chat I told them whatever I need about the insurance and about my payment and I need to understand whats going on and she said you never send us all your loan number and then she hung up the conversation. I have an XXXX  transcript from the conversation. The thing is Im not able to reach the service of my mortgage so I can fix my monthly payment that went up from {$1000.00} to {$2800.00} per month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am to formally express my concerns regarding NFCU XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX XXXX NFCU has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXXXXXX XXXX XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXXXXXX  I respectfully request that EQUIFAX resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been layed off I let them know I am not able to pay and they dont pause payment

Company response to consumer: Closed with explanation