vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from 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 non-monetary relief
Consumer complaint received 2025-02-19 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have four credit cards, Navy FederalXXXX XXXX XXXX XXXX XXXX XXXX cards that I was faithfully trying to pay back and I ended up going through a very bad divorce and stuck with paying all bills after my ex-husband left. I did not have a job at the time for a while and could ot pay these off. So, they ended up in chargeback and I think that was unfair when I tried to work something out with these companies. I stated that I was going through hardship and would still tell me to try and pay something. I had to figure out where I was going to live and get food and the bills were piling up. 

XXXX XXXX XXXX XXXX are chargebacks. But, I was trying to pay off Navy Federal piece by piece and again, hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My loan from XXXXXXXX XXXX was removed from all XXXX credit bureaus this loan was paid in full and closed I believe it was accidentally deleted and not intentional I need the loan added back

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Correct Full Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Please remove this and update my last name Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX Please Update my address on file

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 2025-02-20 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: MI

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
FOUND AN IQNUIRY ON MY REPORT THAT I DON'T RECOGNIZE

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I got two letters stating that a debt collector was attempting to collect a debt. The letters were sent nearly 3-4 months after the supposed debt was bought by Midland Credit Management . I sent a debt validation for both letters requesting information to verify the debt and that it was owed to this company that has purchased the debt. I asked for information such as accounts, dates it was purchased and a bill of sale or receipt of the amount the debt collector paid for the original creditor of the debt. I asked that under the Fair Debt Collection Practices Act that nothing be reported to the three major Credit Bureaus that could affect my credit score until the information I asked for was received and that I have time to investigate the claims and verify the information. I only received copies of credit card statements, no receipts or bill of sale. I sent another two letters stating that the information that I was legally allowed to ask for was not sent and asked that they send the information I requested under the FDCPA, and if they could not send the information to send a description of why the information could not be provided and instead of sending me any further communication and without sending the information I requested, they reported the amount, which WAS NOT VERIFIED, to the XXXX Credit Bureau, completely violating my right to the correct information under the Fair Debt Collection Practices Act. Ive only received two letters from Midland Credit Management, disputed both, and did not receive any further response or verification. The amount reported for either account is not the correct amount reported to XXXX and it says the debt was disputed so its either one of the two accounts they sent debt collection letters for and provided the incorrect information to XXXX. So theyve provided false information on top of violating my rights under the FDCPA by not proving the information I requested before reporting it to a major credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a small business account online with chase. I received a call at XXXX that night from a lady with broken English saying she was from XXXX and she wanted me to give info to her to verify my account, I told her I would not. She said she was going to lock my account and I can call the number on the back of my card. My account was new so I did not yet have a card. I called the bank in the morning and they said they froze my account and I needed to go to a branch and show an id and they said it would be ok. I went to their branch in XXXX XXXX that is over 30 mins from my house, they said they were to busy to deal with me and said come back Monday. I am also busy and have already been on the phone with them for hours. I call back on my way home from the bank and after hours on the phone I was told they closed my account and will mail me a check for the remaining funds to the address on file. I waited a few days and called back to see if they mailed the check they said no I had to talk to someone in this one department, so I talked with that person and they said they would mail a check. I waited a week and a half and called again, they told me my claim to my money was denied they were keeping my money and there was nothing I could do to get it back. I went to a branch in XXXX XXXX, they were very helpful and spent an hour and a half on the phone and in the end they could not help, they took my phone number and said they would call me in a few days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,, NV XXXX XXXX XX/XX/year> Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing XXXX. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures. 
XXXX. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed everything on my experience credit report twice and both times it came back my debt was validated but they didn't give me nor send me any information on the steps they took in their investigation all they said it was validated which set up another 7 years on my credit report I asked that it be removed from my credit report because of that and they still did not respond to my 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 2025-02-19 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 non-monetary relief
Consumer complaint received 2025-02-19 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: Experian Information Solutions 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 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 2025-02-19 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
EQUIFAX IS REPORTING INACCURATE INFORMATION REGARDING AN ACCOUNT THAT HAS NOT BEEN AUTHENTICATED ACCORDING TO STATE OF FLORIDA AND FEDERAL LAW. THE COMPANY FURNISHING INFORMATION TO EQUIFAX IS VIOLATING CONSUMER PROTECTION LAWS AND CONSPIRING WITH EXQUIFAX TO DO SO. XXXX XXXX XXXX XXXX HAS FAILED TO AUTHENTICATE ANY ALLEDGED DEBT AND COLLECTION ATTEMPTS ARE IN VIOLATION OF UCC 9-210 AND FLORIDA STATUTES 679.210 IN ADDITION, EQUIFAX IS PARKING THIS INACCURATE INFORMATION WITHOUT CONDUCTING AN INITIAL INVESTIGATION NOR REINVESTIGATION. EQUIFAX IS REPORTING THIS ACCOUNT WITHOUT ANY VERIFICATION OF THE LEGAL OWNERSHIP AND ABILITY TO CONDUCT DEBT COLLECTION ACTIVITY BY XXXX XXXX. THERE HAS NEVER BEEN AN DUNNING LETTER PRIOR TO REPORTING AND DAMAGING MY CREDITWORTHINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX I have attempted to resolve this matter directly with XXXXXXXX XXXX  XXXX XXXX XXXX as Equifax on several occasions including these dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. This matter allegedly stems from a collections from XXXX from XXXX  XXXX, of {$100.00} dollars, which is not accurate, I do not owe any monies. I explained this to XXXX XXXX XXXX in XXXX, but they continued to harass me. 

I even asked XXXX XXXX XXXX for the original contract naming me for collections with XXXX XXXX, but they failed to provide that information to me as requested. 

After repeated threatening calls and letters stating they would disparaged my credit, I paid their ransom and their fee, which totaled {$150.00} dollars. I was promised that this payment would resolve any issues and would not be posted on any consumer credit reporting agencies. Now my credit report with the consumer credit agencies inaccurately reflects collections harming my ability for loans, and lease agreements. 

Before reaching out to the CFPB, I tried to resolve this matter with Equifax directly through their dispute resolution process ( XX/XX/XXXX, and XX/XX/XXXX ). On both occasions Equifax did nothing to resolve this serious matter impacting my credit. 

Also, before contacting the CFPB, I filed a complaint with the XXXX  all in an attempt to correct this situation in a professional matter, but to no avail. 

I did not have any collections due with XXXX  XXXX, I do not have a contract with XXXX XXXX XXXX, and I never received any contract validating what they purported was true and accurate. 

All that I am asking for is that my consumer credit report with Equifax, XXXX, and XXXX be cleared of anything related to XXXX XXXX XXXX. I have patiently waited for these agencies to do the right thing since XXXX of XXXX, which is plenty of time to correct the damage they created on my credit reports. 

Thank you for your time in reviewing my complaint, and I hope you understand that my remedy is reasonable especially considering all that I have done to correct a problem I had no connections with in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are multiple credit cards opened under my name without my permission. I know the person who has opened these accounts and they probably opened them with my social security number and my signature. I do not have the login information for any of these cards, but it is represented on my credit score. I need to report identity theft and get these cards closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
I have sent multiple letters and tried to call company so they can verify the information in question and have not gotten a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation