vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
On XX/XX/XXXX I contacted a group online that claimed they would be able to get me back into my hacked XXXX account. The person on the phone told me that in order to unlock my account I would need to verify my XXXX XXXX account because that is supposedly how I was hacked. The person on the phone asked me to send 3 different amounts through XXXX XXXX and to write in the memo section, cancel payment. I sent the first amount of {$480.00} and I checked my account and seen the amount left my account, the person on the phone said the funds will return and had me send a second amount of {$490.00}. At this point USAA fsb called me and asked about the transactions. I asked them to cancel the transactions and they did. The bank said they would do an investigation into the activity. On XX/XX/XXXX USAA reversed the decision claiming that I paid for goods or services and the bank sent my money to the fraudulent XXXX people. My account was overdraft and I had to pay the overdraft. I called USAA and disputed the decision, I was told that my case would be looked into and they would contact me once the decision was looked at again. I have not heard anything back from USAA fsb. No services were provided or goods purchased. I told USAA to stop the transactions.

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 2025-02-18 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Accounts with XXXX XXXX XXXX  XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Specifically, the credit bureau has failed to remove a late payment from my accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  despite the necessary steps I have taken to rectify this incorrect information. 
I recently disputed the presence of a late payment on both my XXXX XXXX XXXX XXXX XXXX XXXX accounts, which have been negatively impacting my credit history. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
However, despite this statutory obligation, the credit bureau has failed to conduct a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but has also compromised my financial well-being. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. 
I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Enclosed with this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau, XXXX XXXX XXXX XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX 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 2025-02-17 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: CA

Complaint narrative:
I am formally requesting the immediate removal of the XXXX XXXX XXXX XXXX XXXX ( ending in XXXX ) and XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ) from my Equifax credit report due to the Equifax data breach and its direct impact on my financial records. My personal information was compromised due to Equifaxs failure to properly safeguard consumer data, which violates multiple federal laws and raises significant concerns about the accuracy and security of any financial accounts linked to my identity.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Equifax is required to maintain maximum possible accuracy in consumer reports ( 1681e ( b ) ), yet the breach has compromised the integrity of my credit data. Additionally, under 1681c-2, I have the right to request the blocking or removal of inaccurate, fraudulent, or unverifiable information resulting from identity theft or data exposure. Given the nature of the Equifax breach, these accounts can not be fully verified as legitimate
and should not remain on my report.

Furthermore, the Federal Trade Commission Act ( FTCA ) 15 U.S.C. 45 prohibits unfair and deceptive business practices, and Equifaxs failure to secure my personal and financial information has subjected me to unwarranted financial risks and undue burden. The Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 also mandates that financial institutions protect consumer data. Equifaxs breach violated these protections, and as a result, any accounts reported in my name must be considered compromised and removed immediately. 

Because of these violations, I am demanding that Equifax : Immediately remove the XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX accounts from my credit report. Provide written confirmation of the deletions within 30 days in compliance with
the FCRA.

Ensure that any future fraudulent or compromised accounts resulting from the data breach are automatically removed without requiring repeated disputes. 
If Equifax fails to comply, I am prepared to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal action for willful violations of the FCRA, which allows for statutory damages up to {$1000.00} per violation plus legal fees. 

I expect prompt action on this matter and look forward to written confirmation that these accounts have been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have multiple accounts on my credit report from XXXX XXXX  i have disputed them all they all come back saying they are accurate however no proof of debt was ever produced just a response that teh reporting was accurate and no proof of an investigation

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 2025-02-17 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:
In violation of 15 US Code 1681 ( 2xi ) 1666b 1692c 1692g 1681 e ( b ) 1635 12 CFR 1026.13 Agency is reporting incorrect amounts that have been charged off, reporting accounts before a bankruptcy, and accounts I am not aware of. Also incorrect information is being reported such as correct balance, late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
I have XXXX buisness bank checking accounts with XXXX Bank. XXXX received a letter from an attorney requesting to freeze the account, XXXX Bank did honor that request, XXXX provided me no notification via phone or mail about this. I only learned when I tried to access my account. They froze the account for XXXX  times the amount in the attorney letter. 
XXXX Bank phone and branch representatives refused to provide me with the contact information for someone in their legal department other then saying " The Legal department has no phone number and doesn't speak to consumers directly ''. I went to court XXXX XXXX Supreme Court and got an order to show cause signed by a judge " staying '' the default judgement and ordering the release of the bank account. XXXX bank still once being provided refused to release the funds. They held my account XXXX for over XXXX weeks after the judges ruling, I provided the documents of the order, and email from the judge and the attorney even contacted XXXX with a letter and email telling them to release. 

I had to advise XXXX of my intentions of filing a claim against them as they were violating my rights. XXXX then a short while later after the attorney then contacted them again did release my account. I then about a week later received a letter from XXXX stating they were closing my accounts in a month and would no longer allow me to write checks, or make withdraws. This is retaliatory behavior from XXXX bank and another example of them violating my rights and now continuing to cause me harm. I have available funds in XXXX of the accounts and they have blocked my debit card from making withdraws with no further notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - Inquired why my Wells Fargo rewards can not be transferred to my XXXX XXXX mileage account. Spent more than 1 hour being transferred to different departments and unable to resolve my issue. Eventually got someone to escalate my case within Rewards Services. 
XX/XX/XXXX - Obtained a call from Rewards services and say that my name is " XXXX ( first ) XXXX ( middle ) XXXX ( last ) '' which is totally difference from my credit card name of " XXXX ( first ) XXXX ( last ) ''. Then transferred me to Credit Card services to get them to change my name for the Rewards account, Then transferred me to everyday banking to change my name for the Rewards account. Spent more than 2 hours and this is not resolved. The specialist cut my call while I was on the line. 

I still do not have a resolution to my case and they do not have processes internally to resolve issues across departments.

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 2025-02-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( XXXX XXXX, and XXXX ) 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 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-02-17 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: SC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have a {$280.00} collections on my credit report opened in XX/XX/year> for XXXX  as the original creditor. CREDENCE RESOURCE MANA Is the collection agency, they did inform me that there could be an error because there is two different charges on there and only {$280.00} being reported. I live in XXXX, I have XXXX  XXXX, XXXX  is not even serviced in XXXX. I have never opened an account with them and would like to have it off my credit report. I called XXXX  and they have informed me that I am not a customer with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
First once a debt is in a bankruptcy and the credit report companies have already had it in bankruptcy XXXX  XXXX and with prestige financial in the creditors meeting with them saying we are no going to take the car from you after I told them they can come and get it whenever .... Can they just pull it out of the bankruptcy and charge me for XXXX XXXX? Even so I gave them the gap insurance stuff and ask for help to get a hold of them and for them to say, over phone, that they will not help me because she didn't want a headache of dealing with me. That's harassment I'm filing charges. It isn't my fault when I tryed to get them to help me with something they asked me to do for them because the car was on the bankruptcy after my vehicle got totaled it because of the car crash they the police said I will be waiting for a very long time before they can get to me. They said they have big fish to fry. The crash messed up my knee. They decided because they didn't want to help me that they will just go and charge me later before the filing was started .... I remember driving to the lawyer for the consultation in that vehicle and I think I may have a video from my dash cam going the with date and time. They are giving false info and false documents .... When the car company tells me I have to come back in and resign the car documents because of a mess up is very fishy. Prestige financial knew about the bankruptcy and that's why they wanted me to resend documents which I did not if I did I need some signatures. This is very wrong is not right just to contact my lawyer from the very beginning because now they got another harassment charge up on the last one as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is saying I owe money for an electric bill that I do not owe. I had the account closed in XXXXXXXX XXXX XXXX They continued to charge me from XXXX to XXXX and say I owe them {$140.00} that I do not owe because I moved out XX/XX/scrub>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CL Holdings LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding JEFFERSON CAPITAL SYSTEM to handling disputes and fraud using my identity numerous of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-17 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: TN

Complaint narrative:
XX/XX/year> request for credit verification sent to experience for item on 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
Consumer complaint received 2025-02-18 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX HM XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX HM XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

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