vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On the night of XX/XX/XXXX I deposited around XXXX Into the chase atm machine at the XXXX XXXX XXXX, XXXX, NJ XXXX branch. ATM malfunctioned as it was counting my money. The machine printed a slip stating to check my account to see if funds deposited into my account if not it said to call number. The funds never made it to my account. I called number they put a claim in and credited my account. Then I received a letter couple weeks later saying they looked into it and never found the money. I called again they said they will put another claim in. On XX/XX/XXXX They then took the credited money back causing my account to go negative. Decided to Visit the branch to talk to a manager. He sat me down with a banker. She called to check on the claim. Was denied again. She said they counted the funds from the machine and nothing was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I am submitting this complaint against Flagship Credit Acceptance for failing to provide the legally required Notice of Right to Cure Default or Notice of Intent to Repossess my vehicle before initiating repossession proceedings. Despite my attempts to address this issue directly with the company, they have ignored my requests for compliance with due process.

2. Violation Details : I financed my vehicle through Flagship Credit Acceptance ].

I was not provided with a written notice informing me of my right to cure the default before any repossession actions were taken.

I was also never notified about their intent to repossess the vehicle, violating state laws and consumer protection regulations.

I reached out to Flagship Credit Acceptance twice to request proof that a legally compliant notice was sent. They have failed to respond both times, ignoring my requests.

This lack of notification prevented me from taking the necessary steps to cure the alleged default, leading to a violation of my due process rights.

Uniform Commercial Code ( UCC ) 9-611 requires lenders to send proper notification before repossession.

State Repossession Laws mandate that lenders provide a notice of default and repossession intent.

Fair Debt Collection Practices Act ( FDCPA ) & Consumer Financial Protection Regulations require fair treatment and communication with the borrower.The company have also violated FCRA 1681s-2 ( a ) ( 3 ) Duty to Report Disputed Information If you dispute an account directly with the creditor or through a credit bureau , the furnisher ( Flagship Credit Acceptance ) can not report the disputed debt as accurate without first conducting an investigation.FCRA 1681c ( f ) Prohibition on Reporting Incomplete or Disputed Information If a dispute is under investigation, the creditor can not continue furnishing negative data until the matter is resolved.

I appreciate the CFPB assistance in ensuring compliance with consumer protection laws. I look forward to a resolution on this matter.

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 2025-01-30 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: MA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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 XXXXXXXXHAS 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 : IT 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 non-monetary relief
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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*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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am submitting a formal complaint regarding several potentially negative items on my credit report that I believe were not updated correctly following my XXXX  XXXX bankruptcy discharge. 

Summary of the Issue : In XX/XX/XXXX, my XXXX  XXXX bankruptcy case was discharged by the court ( US BKPT CT XXXX XXXX, Date Filed XX/XX/XXXX ). After this discharge, I believe my credit report should have been updated to reflect that the following accounts were fully XXXX and should no longer be marked as potentially negative, as the balances are XXXX and no further action is required on these accounts : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX Barclays Bank Delaware Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX  ( Multiple Accounts ) Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX Auto Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX Despite the discharge, these accounts still show as " potentially negative '' or " discharged through bankruptcy, '' which is misleading and may hinder my ability to rebuild my credit. According to my records, these accounts should reflect the discharge status accurately and no longer be listed as negative or derogatory.

Request for Action : I am requesting the following actions : Immediate correction and removal of any inaccurately marked potentially negative status on the aforementioned accounts.

Clear documentation from each creditor stating that the account balances are XXXX and have been fully discharged.

Update of my credit report to reflect accurate information regarding these accounts, ensuring they are listed as discharged in full and not negatively impacting my credit standing.

Please investigate this issue and assist me in ensuring that my credit report is properly updated in accordance with the discharge of my XXXX XXXX bankruptcy. 

Details of Bankruptcy : XXXX  XXXX Bankruptcy Discharged : XX/XX/XXXX Court : US BKPT CT XXXX XXXX Thank you for your prompt attention to this matter. I would appreciate any assistance in resolving this issue and ensuring my credit report is updated accurately. Please feel free to contact me if additional information or documentation is required.

Sincerely,

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 2025-01-30 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: DISCOVER BANK
State: TX

Complaint narrative:
I am submitting a formal complaint regarding several potentially negative items on my credit report that I believe were not updated correctly following my XXXX  XXXX bankruptcy discharge. 

Summary of the Issue : In XX/XX/XXXX, my XXXX  XXXX bankruptcy case was discharged by the court ( US BKPT CT XXXX XXXX, Date Filed XX/XX/XXXX ). After this discharge, I believe my credit report should have been updated to reflect that the following accounts were fully discharged and should no longer be marked as potentially negative, as the balances are XXXX and no further action is required on these accounts : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX  XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX Discover Bank Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX  ( Multiple Accounts ) Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX Despite the discharge, these accounts still show as " potentially negative '' or " discharged through bankruptcy, '' which is misleading and may hinder my ability to rebuild my credit. According to my records, these accounts should reflect the discharge status accurately and no longer be listed as negative or derogatory.

Request for Action : I am requesting the following actions : Immediate correction and removal of any inaccurately marked potentially negative status on the aforementioned accounts.

Clear documentation from each creditor stating that the account balances are XXXX and have been fully discharged.

Update of my credit report to reflect accurate information regarding these accounts, ensuring they are listed as discharged in full and not negatively impacting my credit standing.

Please investigate this issue and assist me in ensuring that my credit report is properly updated in accordance with the discharge of my XXXX  XXXX bankruptcy. 

Details of Bankruptcy : XXXX  XXXX Bankruptcy Discharged : XX/XX/XXXX Court : US BKPT CT XXXX XXXXXXXX Thank you for your prompt attention to this matter. I would appreciate any assistance in resolving this issue and ensuring my credit report is updated accurately. Please feel free to contact me if additional information or documentation is required.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fee I have incurred. Despite having sufficient funds when transactions were authorize, I was charged fees due to lagged posting of charges and credit. This issue aligns with CFPB findings against Navy federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I asked them to stop a pending payment that was not yet processed that I sent to someone who tried to scam me and they didnt stop it when it still hadnt been sent to this other person and they ended up receiving the money when I wanted my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-30 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I AM AVICTIM OF THE XXXX DATA BREACH AND IDENTITY THEFT VICTIM

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 2025-01-30 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: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In early XXXX, I was affected by a natural disaster, which severely impacted my financial situation and my ability to maintain regular payments. Upon contacting XXXX in XX/XX/XXXX, I was informed that I qualified for the natural disaster relief program and that my payments would not be reported as late due to this hardship. I followed all necessary steps and provided the requested information to be placed under this program. 
Despite this, when I reviewed my credit report on XX/XX/XXXX, I discovered that XXXX had reported my payments for XXXX, XXXX, XXXX, and XX/XX/XXXX as late across all three major credit bureaus. Additionally, I was charged interest and late fees, even though I was supposed to be covered under the disaster relief program. This reporting is inaccurate and does not align with the terms I was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
In early XXXX, I was affected by a natural disaster, which severely impacted my financial situation and my ability to maintain regular payments. Upon contacting XXXX in XX/XX/XXXX, I was informed that I qualified for the natural disaster relief program and that my payments would not be reported as late due to this hardship. I followed all necessary steps and provided the requested information to be placed under this program. 
Despite this, when I reviewed my credit report on XX/XX/XXXX, I discovered that XXXX had reported my payments for XXXX, XXXX, XXXX, and XX/XX/XXXX as late across all three major credit bureaus. Additionally, I was charged interest and late fees, even though I was supposed to be covered under the disaster relief program. This reporting is inaccurate and does not align with the terms I was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AL

Complaint narrative:
incorrect information being reported on my credit profile, I have reported these accounts several times before, I would like these accounts deleted due to consumer law.

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 2025-01-30 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: WA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.

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 2025-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital ONE acct XXXX, XXXX Closed accounts I contacted and no one was helpful

Company response to consumer: Closed with explanation