vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
Deposited a check from my home insurance company after cancelling my plan. All documentation on XXXX says 2-6 business days. XX/XX/XXXX I reached out and was informed theyd be holding it until XXXX. The cash is marked available for trading and moving but not settled to use on the debit card. They provide no explanation as my account has consistently been in good standing and Ive had much larger checks come and go through the account. Im now going to have to pay late fees for bills and or returned payment fees for things I had scheduled to pay given their longest time window possibility. Customer service was atrocious and provided a canned response and closed the chat before I could receive a realistic answer other than many others are committing fraud. Absolutely disgusting way to treat an upstanding customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 
Account Name : 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 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 non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 
Account Name : 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 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 2025-01-29 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-29 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: AZ

Complaint narrative:
I checked my report and seen I had several inquiries that I did not authorize

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 2025-01-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My account was hacked way back in XXXX. I've been calling them every month and telling them this. It's the XXXX XXXX so what they did is they canceled my first card and issued me a second card and moved all the fraudulent charges under that new card and I never activated that card and I have more fraudulent charges now on the new card that I never activated. Now they sent me another a third card now and I went to that bank and close that account on that card cuz it was with the they went to XXXX XXXX  now instead Synchrony.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year> my student loans title IV disbursement from XXXX was transferred FROM XXXX XXXX  XXXX XXXX XXXX Bank to PayPal. deposit immediately was put on hold due to it being my first deposit that was a large deposit of {$1100.00} and being told that it was considered suspicious activity and after providing all the information that was requested PayPal shuts the non delinquent account down with out releasing my funds for 6 months! furthermore, speaking to support, they are still not willing to give me any information detailing the reasons of why and completely stonewalling any requests without any change even though support, requesting more information which I provided. I'm responsible for my student loans. This is extremely unethical, and seems deceptive as a business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Credit report review revealed problematic late payment entries that remain unresolved despite my previous communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these unverified late payments requires immediate attention to prevent potential negative impacts on my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: MO

Complaint narrative:
I applied for a loan at Lendmark XX/XX/XXXX for {$1500.00}. I was approved and told to come up to the office to finish up the loan. When I got up there, I was told I could get up to {$3500.00} and I said no because I wanted to hurry up and pay off the loan. It took me two years to work on my credit and I did not want to mess it up. plus I'm a full time student on top of working. They told me I could get insurance if I lost my job and they told me about other options. Since I was working on my credit I went ahead and took the {$3500.00} since that would help me on my credit showing I can pay back loans. XXXX of XXXX I explained to them that I was no longer working and asked about the " insurance ''. I went through unemployment as well. They told me I couldn't use my insurance. I told them If I cant use my insurance then take it off! They so called canceled the insurance but did not remove the additional {$1000.00} or so they put on my account! I called multiple times to get it removed and kept getting the run around. I even asked for refinancing options and they did not want to work with me. I filed a dispute with the credit bureaus the amount on the loan was wrong. I told them if they can't work anything out with me stop calling since they didn't not remove the amount for the insurance! I found out in XXXX a week before a court date that I was being sued. I called the court to advised them that I was served improperly ( I have not lived at that address since XX/XX/XXXX ) and that I needed more time to handle it. I also sent a letter to the court as well. The court clerk gave me the information to the Law office that handled the case. I knew nothing about this Law office or received anything from this law office regarding the Lendmark account. I explained that to the lawyer and advised him that I did not live at the address and that I was in the process of filing bankruptcy. No demand letter was sent to me or anything through mail or even email. The last email sent to me was in XXXX of XXXX saying I can get another loan. Why would I get another loan when yall cant help with the one I have. Lendmark was very aware I did not live at that address! I called the credit bureau in XXXX and they told me that Lendmark reduced the amount due by a little over {$1200.00} which was the insurance amount I disputed. Lendmark only took it off because they sent it to court and they know having that amount would be a false claim! But they did not remove it when I they removed the insurance basically trying to get more money from me and not wanting to refinance the loan ( trying to make me pay for services I no longer had ). Lendmark is a predatorial company that needs to be investigated and looked into. I worked hard on my credit for XXXX years just to now have to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Colony Brands, Inc.
State: MD

Complaint narrative:
They're was 2 store credit cards opened in my name that I have know knowledge of.. Swiss colony, Seventh XXXX. I had ask to have then removed because they don't belong to me..I don't even shop at them kinds of places..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I PAD OFF MY MORTGAGE XX/XX/2024 XXXX COMPANY REFUSED TO REFUND MY ESCROW ACCOUNT CALLED MULTIPLE TIMES WAS TOLD THAT CHECK IS IN MAIL SEVERAL TIMES XXXX XXXX XXXX XXXX AND TWICE IN XXXX NO MONEY NO CHECK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

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 lagged 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 2025-01-29 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: MO

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 2025-01-29 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: MO

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 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IN

Complaint narrative:
There are quite a bit of accounts they have on my credit which do not match with the ones they sent me in the mail. At the time of the ones that are in my credit I was fully covered by XXXX and I have proof of that. 
XX/XX/XXXX {$540.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$580.00} The documents that Americollect sent me in the mail do not match these dates nor amounts the ones on the paper are XX/XX/XXXX {$580.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Someone got a payday loan n my name something I didnt do now they want me to pay it back I didnt do this in I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

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 non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/year> I made two online payments to capitol one. One for {$180.00} and one for {$25.00}. 

Before payments my available credit was {$390.00} and my balance was {$630.00}. After i made the online payment of {$180.00} and {$25.00}. Capitol one increased my available credit of {$550.00} I just paid {$200.00} and capitol one has not adjusted my Balance to reflect {$200.00} from {$630.00}, although the gave me available credit of {$550.00}, which makes it appear that I still owe {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This credit card company penalized me because I utilized more than my credit ratio when I have and have the funds to completely pay off the credit borrowed immediately. They also penalized me for missing one payment once and it was due to my bank account being frozen due to security purposes. Which was not my fault. I had submitted payments and they didnt go through and I was sent emails indicating that the payments went through and then later a few weeks later I received information indicating the payments did not go through. 

So Chase limited my credit line of funds due to this. Which made my credit score much worse and my credit access worse. This is completely unfair. Especially when I have paid the cards off in full and can absolutely continue to pay my cards in full. 

This is not okay!!!

Company response to consumer: Closed with explanation