vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal is reporting to all 3 credit bureaus that I have a charged off credit card in the amount of {$6500.00}. I requested that they provide me with the 1099c form due to the debt being listed as charged off. Since they wrote the debt off as profit & loss this debt can not be legally reported to any bureau. This would be liable cause for a lawsuit of statutory damages for reporting inaccurate information on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called chase prior to going into branch to get a money order and I was told I can buy a money order and put a stop payment if I have any issues, loose or have it stolen. 
I walked into the bank Saturday morning XX/XX/year> and the teller gave me the money order and did not disclose any additional information about my transaction. On the money order it states I am able to put a stop and have it reissued by going into the branch. I called customer service that day to have a stop out and they said ok. The processed the transaction incorrectly and charged me a {$30.00} stop payment fee. I called Monday and as told the the person in customer service advised me wrong. I went into the branch on Tuesday because Monday was a holiday and they were closed. They refused to place a stop payment of the money order and now said they were unable to. I was told an alert was placed on the money order and they are monitoring it. The complete opposite of what I was initially told. Chase never disclosed at any point any additional terms and conditions around money ordering processing and it does not state any additional terms on the money order. I was told to come back on Wednesday. I came back Wednesday and explained I again I was a victim of fraud and requested the money order be stopped. They now told me the money order is being cashed and they are unable to stop it. I was mislead from begging to end and handled poorly by chase even as a client with outstanding history and a lot of money in their bank. Chase has cost me {$1600.00} and has refused to take accountability or process a claim on my behalf. They have told me its a personal problem and even one of their customer service reps has told me its my fault and I am irresponsible. I was refused a claim and told to persuade the matter civilly. Chase has taken zero accountability for their misleading actions that lead to my ordeal and has refused to submit a claim or offer any options or solutions for their misleading statements and misrepresentation and mishandling of my funds. They charged me for the money order and an in house rep on Monday refused to put a stop and on the phone even stated he didnt want to do to much because he didnt want the branch or him to talk on liability. I will be withdrawing all my funds and heading to another bank because of this. Poor customer service reps and poor training and misinformation given to clients can prevent these issues but they refuse to take accountability.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Under reviewing my Consumer Reports, I discover some instances of late payments on my account for which i have always maintained timely payment. I just recently looked at my credit report and noticed that some accounts have late payments during Covid-19. However i talked to these creditors below and i should not have any missed payments. Account Name : XXXX XXXXXXXX Account Number : XXXX These issues align with the violations detailed in the CFPBs lawsuit against Transunion, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 60 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) ..1. Failure to Conduct Proper Investigations : Transunion failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. I demand the immediate removal of these late payments of my account and request : 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these late payments accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I assert that I do not owe any debt to the aforementioned creditor or collection agency and believe that my rights under federal law have been violated. The following regulations have not been adhered to : 1. 12 CFR 1006.34 ( bX5 ) : This regulation requires that the debt collector provide the name of the current creditor to whom the debt is owed. The information I have received does not comply with this requirement, and I am questioning the validity of this account. 2. 12 CFR 1006.34 ( c 4X ) : The regulation mandates that debt collectors clearly communicate the consumer 's right to dispute the debt. This was not adequately communicated to me, which is a violation of my rights. 3. 12 CFR 1006.34 ( d ) : Debt collectors are required to provide validation information within five days of initial communication. I have not received proper validation of this alleged debt, as required by law. 4. 15 USC 1681-S2 ( 7XA ) : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy and completeness of the information provided to credit reporting agencies. The information reported in this case is inaccurate and incomplete

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: IL

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

Company 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: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I HAD A CHECKING ACCOUNT IN UNION BANK OF CALIFORNIA, ON XXXX UNION BANK OF CALIFORNIA MERGED WITH US BANK. DURING THE MERGER OF BANKS MY ACCOUNT WAS DISGUSTED SYSTEMATICALLY WITH ELECTRONIC TRANSFERS EVERY SINGLE TRANSFER SENT TO XXXX XXXX, SAME AMOUNT UNTIL LEAVE MY ACCOUNT IN XXXX. I NEVER DID OR AUTHORIZED THIS TRANSACCIONS THIS HAPPENED FROM XX/XX/XXXX TO XX/XX/XXXX LEFT IN XXXX MY ACCOUNT. I DID NOT NOTICED UNTILL I WENT TO MY BANK ON XX/XX/XXXX. SINCE DE MERGED, I DID NOT LONGER RECEIVED STATEMENTS OF MY ACCOUNT, I ALWAYS USE MY ACCOUNT PERSONALLY ONLY TO WITHDRAW CASH OR DEPOSIT IN PERSON AT THE BANK, NEVER MAKE TRANSFERS. THE ASOCIATE MANAGER LET ME KNOW SEVERAL CASES LIKE MINE HAPPENED DURING THE MERGED OF BANKS, HE HELPED ME TO REPORT TO THE FRAUD DEPPARTMENT, AFTER SEVERAL DAYS I RECEIVED A LETTER FROM THE BANK LET ME KNOW I WAS RESPONSABLE FOR WAIT SO LONG TO REPORT THE FRAUD THEY COULD NOT DO NOTHING FOR ME. I WENT TO THE POLICE STATION TO FILE A FORMAL COMPLAINT FOR FRAUD, I GAVE IT TO THE ASSOCIATE MANAGER AT THE BANK, SEVERAL DAYS LATER I RECEIVED A CHECK FOR MORE OR LESS THE HALF OF MY SAVINGS. BUT THE REST OF MY MONEY, I HAVE NOT RECEIVE MORE INFORMATION AT THE BANK THE ASSOCIATE MANAGER TOLD ME, THATS ALL THEY CAN GIVE ME ONLY THE HALF OF MY MONEY. THERE WAS ALL MY SAVINGS. I HOPE CAN HELP ME, RESOLV THIS SITUATION. THANK 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 2025-02-20 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: EdFinancial Services
State: TX

Complaint narrative:
I am dissatisfied with Edfinancials response to my complaint for the following reasons : No Investigation into Alleged Breach : Edfinancial dismissed my concern about unauthorized data compromise without providing evidence of internal reviews, security audits, or confirmation that my information remained protected. Their blanket denial lacks credibility without transparency. 

Failure to Address Contract Nullification : My complaint argued that a breach of confidentiality voids the loan agreement. Edfinancial ignored this, instead redirecting to unrelated discharge programs. Their contractual obligations as an ED servicer include safeguarding databreaching this duty should have legal consequences.

Misleading Legal Interpretation : While FERPA and the Privacy Act may not explicitly authorize loan discharge, they mandate accountability for mishandling data. Edfinancials role as a federal contractor does not absolve them of liability for breaches that harm borrowers.

Requested Actions : Direct Edfinancial to disclose specifics of their data security measures and any investigations into potential breaches affecting my account.

Collaborate with the Department of Education to determine if Edfinancials actions ( or inaction ) violated their contractual data protection duties. 

Escalate this complaint to the XXXX XXXX  with a focus on the privacy breachs impact on the validity of my loan servicing. 

Privacy breaches erode trust in federal loan programs. I urge the CFPB to ensure servicers like Edfinancial are held to the highest standards of accountability. 

COMPLAINT ID XXXX contains the information of my first complaint. 

Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
When I reviewed my credit report today, I discovered inaccurate accounts listed, and I have no clue why. I check my credit report regularly, but this time, I spotted inconsistencies that seemed to appear out of nowhere. Hoping it was a glitch, I refreshed my browser, but the errors persisted. Due to this situation, I ask that the documents I provided be carefully examined to resolve this matter permanently.

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 2025-02-20 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: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. XXXX of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX  XXXX XXXX As required by 15 U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is my third and final demand for the immediate deletion of the following accounts : XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), and XXXX  XXXX ( Account Number : XXXX ). The continued presence of these accounts on my credit report is unacceptable and frankly, insulting. I have already furnished substantial evidence proving these accounts are fraudulent, belong to someone else, or are otherwise inaccurate and should not be linked to me. Your repeated failure to correct this egregious error, despite two prior attempts, demonstrates a blatant disregard for my rights under the Fair Credit Reporting Act. The FCRA unequivocally protects consumers ' right to dispute inaccurate information, and your inaction constitutes a clear and actionable violation. I am beyond frustrated with the lack of progress and the dismissive treatment I have received. I demand immediate action and written confirmation of these account closures within ten business days. Furthermore, I dispute the incorrect addresses listed on my credit report. Please remove all incorrect addresses and ensure that only the following accurate addresses are retained : XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, DE XXXX ( current address ) and XXXX Coastal Hwy, Unit XXXX, XXXX XXXX, DE XXXX. My current address is XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, DE XXXX, and I explicitly request that my credit report be updated to accurately reflect this address. Any further delay or failure to comply with both the account deletions and the address corrections will compel me to escalate this matter to other appropriate regulatory agencies and pursue all available legal remedies, including litigation, to protect my rights, seek damages for the harm caused, and ensure this negligence is addressed. Let me be absolutely clear : I will not tolerate this incompetence any longer.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO 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 2025-02-20 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: TN

Complaint narrative:
On XX/XX/XXXX, I paid the balance of {$43.00} that was due from XXXX XXXX XXXX. I even retook a loan out and have made my payments on time as of XX/XX/XXXX. I disputed the information on my credit on XXXX however all three credit companies said it was valid and did not remove off my credit. The balance of {$43.00} was not written off and has been paid. It should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I paid the balance of {$43.00} that was due from XXXX XXXX XXXX. I even retook a loan out and have made my payments on time as of XX/XX/XXXX. I disputed the information on my credit on XXXX however all three credit companies said it was valid and did not remove off my credit. The balance of {$43.00} was not written off and has been paid. It should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: NE

Complaint narrative:
TrueAccord is trying to collect a debt from XX/XX/XXXX for the amount of {$290.00} for XXXX XXXX. Have not spoken to XXXX or any collection agency about this balance being outstanding therefore have never admitted this balance is mine to restart a collection limitation clock. Not only Was I not aware I had a balance until XX/XX/XXXX which is now 14 years later and well past statue of limitation of 2 years to collect a cell phone debt and 4-5 years for state statue of limitations. They just started sending me letters and emails out of no where 14 years later.

Company response to consumer: Closed with explanation