vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I attempted to sign up for Credit Karma, but it indicates that I already have an existing account under the username XXXX. I want to clarify that I have not opened this account, nor have I authorized anyone to create an account in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I did my bank statements balance of XXXX found a money transfer of XXXX dollars without my permission from may bank. i contact the complain department of XXXX XXXX banks, XXXX XXXX, and they said i was too late to get my money back from them. They just sent me a letter XX/XX/year> to claim no : XXXX to contact the merchant XXXX XXXX  XXXX XXXX, at phone number XXXX. 
I called to resolve the issue, and talked with a lawyer who gave me the email address XXXX to send him the statement of the bank and the claim pictures. they try to say it is late now XXXX  month old, The mail bound back. 
I went to Chase Bank XXXX Boardwalk XXXX XXXX XXXX XXXX XXXX  XXXX phone ( XXXX ) XXXX and asked to talk with XXXX representative about the issue. but they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I was never sent a statement and when I found out the amount of the bill I mailed a check on XX/XX/XXXX in the amount of XXXX with the last 4 numbers of the account on the check. They cashed the check on XX/XX/XXXX and kept claiming they never received the check. Today they applied the check to the closed account and have a temporary lock on my card because they posted it to the wrong account. Now they say they are going to transfer the money to the right card but that could take up to 30 days and I still don't have access to my card, now I have a cruise booked and need an airline ticket and don't know when I will be able to use my card. Plus I have a 90 day promotion for XXXX bonus miles that if this is not completed in time I could lose that all because someone posted this to a close account and I'm paying the price for their incompetence. I opened this account in XX/XX/XXXX and it has been nothing but a nightmare wish I had never done this.

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 2025-02-25 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company 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 2025-02-25 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
In accordance with the fair credit reporting act ( company ) has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 2 : it also states a consumer reporting agency can not CAN NOT furnish my account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX 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>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal is restricting my account because a family member accidentally reported XXXX transactions when they were disputing transactions on an unrelated matter. I notified navy federal security department that the accidental flag would be resolved because my family notified the bank they accidentally disputed the transaction. Navy federal proceeds to close add a permanent restriction on my account. I also have an open fraud claim on my account and they refuse to give me any information on whats going on my account. Im a victim of theft and fraud and they are treating me wrongly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. Under USC 1681g, I am asking for their deletion within 15 days. Please find the necessary documents enclosed for reference.

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 2025-02-25 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: MO

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, Mo XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] [ XXXX, MN XXXX ] Subject : Formal Dispute of Debt Pursuant to the Fair Credit Reporting Act ( FCRA ) and Missouri Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the debt that your company, XXXX XXXX XXXX, XXXX, is attempting to collect and has reported to my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], and Missouri state consumer laws, I am requesting that you immediately cease all collection activity, correct any inaccurate reporting, and provide the following documentation : 1. Proof of License & Registration XXXX XXXX XXXX, XXXX is not licensed or registered to collect debts in Missouri as required by Missouri Revised Statutes XXXX et seq. ( if applicable ). Under Missouri law, unlicensed collection agencies can not engage in debt collection activities, including credit reporting. Please provide evidence of your valid license to collect debts in Missouri. 
2. Validation of Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, I request full validation of this alleged debt, including the original creditors name, the itemized breakdown of the amount, and any signed agreements proving my obligation to pay. Failure to provide this documentation within 30 days will be considered an admission that the debt is invalid. 
XXXX. Immediate Removal from My Credit Report XXXX XXXX XXXX XXXX, XXXX does not have legal standing to collect in Missouri, any reporting to my credit file constitutes illegal and inaccurate reporting under the FCRA 1681s-2 ( b ). You are required to correct or delete this inaccurate information from my credit report immediately. 

If you fail to comply with these requests, I will have no choice but to escalate this matter by filing formal complaints with the Missouri Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). Furthermore, I will explore legal action for willful violations of federal and state consumer protection laws, including seeking damages for any harm caused by your unlawful actions. 

Please provide a written response confirming the deletion of this account from my credit report and cessation of collection activity. You may send your response to the address listed above within 30 days of receipt of this letter. 

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 2025-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: OK

Complaint narrative:
I sent an email requesting to revoke authorization of ACH per their OWN terms and they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
am filing this complaint against TransUnion for failing to remove a fraudulent account from my credit report despite my submission of an FTC Identity Theft Report, as required under 15 U.S. Code 1681c-2 ( FCRA Section 605B ).

I am a victim of identity theft, and an account was fraudulently opened in my name without my authorization. I have already provided TransUnion with : My FTC Identity Theft Report A copy of my government-issued ID A written request for removal of the fraudulent account Under FCRA 605B, a credit reporting agency must block and remove fraudulent information upon receiving an identity theft report and verifying the consumers identity. However, TransUnion has refused to comply, citing internal policies and investigative procedures that do not override federal law. 

TransUnion is illegally delaying and denying my right to have this fraudulent account removed, causing financial and emotional distress. I request the CFPB to intervene immediately and hold TransUnion accountable for its non-compliance with federal law. 

I request : 1. Immediate removal of the fraudulent account from my credit report.

2. A formal response from TransUnion confirming compliance with FCRA 605B.

3. Any necessary enforcement actions to ensure TransUnion follows the law and does not continue to violate consumer rights. 

I appreciate your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My data was breached on all three credit bureaus, I would like my credit reports wiped. 
Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My data was breached on all three credit bureaus, I would like my credit reports wiped. 
Reference # 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 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX ( yes the name should have been a clue ) reneged on an agreement to repay the debt back in XXXX. They then attempted to sue me in the middle of a XXXX. The judge dismissed the case. This shouldnt be on my credit at all. They have now sold this debt to Jefferson Capital Systems, who has now reported this to the credit bureaus AGAIN. This madness needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is not 5 years later and still showing on 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is not 5 years later and still showing on 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 explanation