vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: GA

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. Account name : 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 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 2025-02-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
american express XXXX XXXXXXXX XXXX are fraud accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I discovered unauthorized accounts opened in my name, including accounts with XXXX XXXX XXXX  ( opened on XX/XX/year> ) and XXXX XXXX XXXX ( opened on XX/XX/year> ). I was alerted to these fraudulent accounts by a third-party consumer reporting company. 

I have contacted the Federal Trade Commission ( FTC ) for assistance and am working to restore my identity. These accounts were opened without my knowledge or consent, and Ive reported the issue to these companies directly for further investigation and they have failed to remove this information from my consumer 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 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my auto loan account and the late payment reported on my credit report. Below are the details of my concerns : Lack of Notice or Communication : I purchased a vehicle through XXXX, and it was only later that I learned Chase was acting as the lender for my auto loan. Throughout the course of this loan, I did not receive any statements, notifications, or phone calls from Chase regarding my payments. As a result, I was not informed of my payment due dates, which led to a late payment being reported. This failure to communicate with me is a violation of my rights, as I was not properly notified of my obligations. 

Failure to Notify of Late Payment : Despite my account being overdue, Chase never contacted me prior to the 30-day mark to alert me of the late payment. The first contact I received was after the 30-day period, when the late payment was already reported to the credit bureaus. This failure to provide timely notice is inconsistent with the requirements under the Truth in Lending Act ( TILA ) and Regulation Z, which mandate clear communication regarding payment obligations. 

Unauthorized Contract : I was never provided with or asked to sign any loan agreement or contract directly with Chase. I have not been made aware of the loan terms or my financial obligations, raising significant concerns about the legitimacy of the agreement and whether I have been properly informed of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reported as having a bankruptcy, But XXXX does not have me listed as having a bankruptcy and they have their info from XXXX XXXX. Why are you reporting me as having one? This 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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I applied for a business credit card that was only supposed to look at my business credit and revenue. Due to my personal credit being locked at this time, I was not approved for business credit. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have called XXXX Credit Card, which is Chase Bank and cant seem to get anyone to listen to my problem which is on XX/XX/year>2024. There was a charge for {$2100.00} from XXXX XXXX I did not authorize this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Defense Finance and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/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 2025-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: MO

Complaint narrative:
To Whom It May Concern, I am filing this complaint against XXXX XXXX and XXXX XXXX due to their failure to provide proper notice of my mortgage transfer, as required under the Real Estate Settlement Procedures Act ( RESPA ), and for the transfer of my loan to a lender with a history of regulatory actions. 

Violation of RESPA Notice Requirements Lack of Timely Notification : My mortgage was transferred from XXXX XXXX to XXXX XXXX, with a transfer effective date of XX/XX/XXXX. 
The notice from Flagstar Bank was dated XX/XX/XXXX, but I did not receive it until XX/XX/XXXX. 
There was no postmark on the envelopeonly a barcode labeled XXXX XXXX ( my ZIP code ). 
This delay effectively gave me less than 15 days ' notice, which violates RESPAs 15-day requirement for mortgage servicing transfers. 

Issues with XXXX XXXX Payment Processing : Upon calling XXXX XXXX on XX/XX/XXXX, I was informed that my account was not yet set up in their system and that I could not yet make a payment, and it would not be until " sometime after XX/XX/XXXX ''. 
They stated there would be a grace period, but I have not received this in writing. 
Without written confirmation, I am concerned about potential late fees and damage to my credit due to processing delays that are out of my control. 

Concerns About Transfer to a Sub-Par Lender XXXX XXXX transferred my loan to XXXX XXXX, a lender with a significant history of consumer complaints and regulatory violations. 

Recent Actions Against XXXX XXXX : In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took enforcement action against XXXX XXXX ( formerly XXXX XXXX  ) for multiple violations of federal mortgage servicing laws, resulting in a {$91.00} XXXX settlement. 
In XX/XX/XXXX, XXXX XXXX settled another lawsuit for {$5.00} XXXX, after regulators from all XXXX states alleged misconduct that harmed borrowers, including wrongful foreclosures. 

Given this history, I am concerned about the quality of mortgage servicing I will receive and the increased risk of errors, misapplied payments, or improper fees. 

Requested Resolution Require XXXX XXXX to provide proof of mailing for my transfer notice, given the lack of a postmark. 

Ensure that XXXX XXXX provides me written confirmation of any grace period for payments to prevent any late fees or credit reporting issues. 

Investigate whether XXXX transfer to XXXX XXXX was in the best interest of borrowers, given XXXX XXXX history of regulatory violations. 

I request a formal response addressing these concerns. Thank you for your time and 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have a venmo account. My partner ( common law husband of 14 years ) we decided to put his income taxes into that venmo account. It totalled just over XXXX. The next day they frozen my account. Wouldn't give me any real answers just that they frozen then canceled my account for fraud and that they were holding the money for up to 180 days if they even decide to give the money back. The email states they may decide we don't get the money. Then I got an email from a person named XXXX. Saying to send a letter as to why we deposited the money in the account and wanted selfie of us holding our IDs and pictures of our IDs and bank statement of my partners bank account/card that has been attached to my venmo account for a long while. Mind you over a week before this his state taxes were deposited into the same account and nothing happened. They then this morning after we did what they asked and sent everything in to verify it was us got another email saying they wouldn't respond to us that my account is closed and that they were holding the money for 180 days and may decide they are not returning it to us. It doesn't make any sense. They can check the account and see it's for my work checks and paying bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX {$470.00} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Charge off XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX {$790.00} Late/Closed XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$9900.00} Charge Off New Added : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX {$270.00} Collection XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$220.00} Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX {$470.00} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Charge off XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX {$790.00} Late/Closed XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$9900.00} Charge Off New Added : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX {$270.00} Collection XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$220.00} Collection

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has neglected its statutory duty under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, there by leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently initiated litigation against Experian, alleging systemic deficiencies, including the failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of consumers regarding dispute outcomes. These shortcomings are consistent with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. Attached files are 2 of many accounts that I have marked as 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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
the sofi bank is stealing money from its costumers every time I tried to do something it would be declined I would then have to call and tell them what I'm doing and they would eventually allow it to go thru 4-5 months later I proved that's what's happening XXXX $ todate missing so after telling them there stealing my money by not depositing my money back to my account they were charge ing me I dispute it and proved I was right they tried sneaking XXXX back in my account after charging me XXXX I disputed XXXX $ it did not go thru but they showed it did they returned my money yesterday and restricted my account so I cant access my own money they have stolen XXXX dollars every thrans action that does not go thru I've been charged for that's were my money is I tell them they don't care I prove them guilty they restrict my account when I'm broke down on the side of the road waited ten days to get my car parts and they stop me from the money I just proved them guilty of they have stolen my money and twice I've been right this bank is greedy and has unethical business sense and will not admit there wrong nor will they help you in any way because ive questioned them disputed them and now I cant use my own money to get a radiator its a joint account I care take and after the dirty banking at XXXX XXXX I put him on my account he trusts me I trust him we ain't had no problems tell this bank stole all this money we are separated at the moment he is in XXXX XXXX and I blew the radiator trying to get back to XXXX and I've proven this bank to be straight trash and posting it every day from here out XXXX XXXX as well and XXXX XXXX I never received a response on that complaint but I'll hunt again it said closed responded and I did not get it and they got me for XXXX $ then there is no record accept deposited in to savings and there is nothing there so my educated guess is when this government started the FDIC to instill trust in the banks the world received a whole XXXXXXXX XXXX XXXX XXXX full of smoke I'm sorry but I have been done wrong by every bank my who life maybe XXXX knew all this and there was a reason he did what he did I'm just saying

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AZ

Complaint narrative:
In XXXX of XXXX I changed insurance companies and found out that I did not get the best rating because of a mark on my credit report with Experian. I contacted Experian through their website and filed a complaint that their account information with the XXXX XXXXXXXX XXXX XXXX was not correct on the XX/XX/XXXX, credit report that was generated. It stated in the payment history that in XXXX of XXXX that the account was in collections. This is NOT a correct statement. The account was NEVER in collections. Under Account Information they show that the account is Closed, Status Paid, Closed. Updated in XXXX of XXXX. Nothing is stated in the Balance column, because there wasn't a balance. 
I have contacted Experian 5 times to correct this ; four times through the website and once by phone. They corrected the fact that it was not in collections, but then they created another problem. They stated that the account was " OPEN ''. The account has been closed since XXXX of XXXX. How can they now say that it is OPEN/ NEVER LATE, create a Balance of {$0.00} and start marking checkmarks monthly on payment history for Current/Terms Met when the account has been closed since XXXX of XXXX? They are not correcting this misinformation.

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