vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from Experian and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX XXXX  # XXXX : {$9000.00} : Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX : {$2.00} : Date Fraud Begun : XXXX XXXX, XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience. As I have not provided consent for this debt to be reported, I demand that you cease all reporting of this account to any and all credit reporting agencies. These accounts were created without my knowledge or authorization, and their presence on my credit report is unacceptable. I request written confirmation that these accounts have been removed from my credit report. I demand proof of verification or a copy of the legally binding contract with a wet signature application proving my identity, in addition to a valid drivers license ; this should have been done before authorizing any account. A mere computer-generated printout of this debt is insufficient and constitutes a violation of regulations. Failure to comply with these requests will result in legal actions against your consumer reporting agency, as I am fully aware of my rights under federal law. I am being harassed due to these inaccuracies, and I will not tolerate further violations of my rights

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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Date : XXXX/XXXX/XXXX  Amount {$630.00} The company explained that when over the Credit limit but my card was lost XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX sold the account to a collection agency but XXXX is still reporting my account which is illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: MN

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience from XXXX, and TransUnion has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing as well. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer. TransUnion can't keep ignoring evidence showing other bureaus deleted the same account they aren't even investigating properly.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting my account for {$2100.00} i switched providers and my new provider was supposed to pay phones off and balance for switching also you guys were letting XXXX and XXXX XXXX report the same accounts and the same time which is illegal l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Dating all the way back to XXXX of 2023. They should correct them. They informed me that it would take too long and that I needed to email them over to them because it was approximately {$76.00} in fees.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SS # : XXXX XX/XX/XXXX Re : Hard Inquiries To Whom It May Concern, I would like to dispute the following hard inquires on my credit report. Under the Fair Credit Reporting Act ( FRCA ), Section 611 ( 15. U.S.C 1681i ), unverified inquires must be removed. Please investigate and remove any unverifiable inquiries. 

Factual Data XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX 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 Sincerely, 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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Date of Incident : XX/XX/ 2023 Company Involved : Credence Resource Management Account Number : XXXX Balance in Dispute : {$530.00} I am filing this complaint regarding an issue with my account balance and its reporting on my credit file by Credence Resource Management. As of XX/XX/ 2023, my account reflects a balance of {$530.00}, which I believe contains errors and does not accurately reflect my account activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I have repeatedly attempted to contact the organization, but my efforts have been consistently met with poor communication and a lack of professionalism. Instead of providing a thorough explanation of the situation, I have been given a random phone number and asked to collect a debt without any further clarification. This lack of communication and aggressive behavior contributed to the repossession of my vehicle. The organization should prioritize effective communication and customer service rather than resorting to bullying tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am having XXXX credit card from US Bank ending in XXXX. I used this credit card for XXXX XXXX XXXX which cancelled my contract without my consent. 
Thus, I wanted to create the dispute. Only for name sake this is US Bank. Everything is outsourced. Customer service and technology and everything. While creating dispute, the website crashed. So i need to call them and they created XXXX different dispute. Then I got XXXX different emails which states that i need to upload documents to all of them. I uploaded but then i got an email that documents are not uploaded and i need to send the hard copy of the document using my own envelope and stamps or by fax. Both these methods are time consuming and will cost money to me. Moreover it's totally US bank 's fault that they are not employing XXXX  XXXX Workers but XXXX workers and outsourcing the jobs to create such a website where customers has to do this kind of manual work.

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 2025-03-02 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: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX Date of inquiry XXXX/XXXX/2024

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 2025-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: COMMERCE BANK
State: NC

Complaint narrative:
I transferred XXXX in medical debt, verbally, from XXXX XXXX XXXX Commerce Bank on XX/XX/XXXX. I had not heard from Commerce Bank so I called them on XX/XX/XXXX. They said XXXX did not provide my updated address, only my debt? So my identification was not provided? They sent my bill to my address from 2023. They withdrew money from am old joint account without permission. On XX/XX/XXXX they assured me I was not set up for automatic withdrawal. ON XX/XX/XXXX they withdrew XXXX from a bank account I no longer use. I called again on XX/XX/XXXX and the supervisor LIED to me and said the payment was denied. The payment appeared out of the old account 2 days later. I did not authorize that payment. I paid with my new bank account on my due date. They got double payment for XXXX. One unauthorized one from my ex husband 's bank account and one from my bank account. The first bill does not state automatic withdrawal, as shown below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from XXXX and Equifax confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : Flagship Credit : # XXXX : {$9000.00} : Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX : {$2.00} : Date Fraud Begun : XXXX XXXX, XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience. As I have not provided consent for this debt to be reported, I demand that you cease all reporting of this account to any and all credit reporting agencies. These accounts were created without my knowledge or authorization, and their presence on my credit report is unacceptable. I request written confirmation that these accounts have been removed from my credit report. I demand proof of verification or a copy of the legally binding contract with a wet signature application proving my identity, in addition to a valid drivers license ; this should have been done before authorizing any account. A mere computer-generated printout of this debt is insufficient and constitutes a violation of regulations. Failure to comply with these requests will result in legal actions against your consumer reporting agency, as I am fully aware of my rights under federal law. I am being harassed due to these inaccuracies, and I will not tolerate further violations of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My roommate committed identity theft, used my debit card through capital one using bill pay, then used my XXXX XXXX XXXX XXXX, he also pulled a ACH transfer. I have been sick in and out of the hospital and at home. He opened my mail used my information to log in my account use bill pay to then use my credit card. I am hoping that my cards can be reissued, accounts cleared and start over. Also he used my information to file my 2024 taxs returns I have filed a with capital one and XXXX XXXX I would like my money returned as I did not authorize any transfer or bill pay this started in XX/XX/scrub>r 2024 and I was finally able to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts ( XXXX XXXX  ) XXXX ( XXXXXXXX XXXX ) XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy. 
If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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 2025-03-03 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: WI

Complaint narrative:
I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy. 
If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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