vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: Paramount Capital Group, Inc.
State: TX

Complaint narrative:
This is in reference to CFPB complaint XXXX ; to verify the accuracy of your reporting, I request the following documents : Payment History Statement A full transaction history for the account, including due dates, payment dates, and amounts paid. Billing Statements Copies of the billing statements for the months in question, showing whether a payment was missed or made on time. Loan Agreement A copy of the original loan or financing agreement outlining the payment terms and conditions. Correspondence Logs Any letters, emails, or system notes showing that I was notified of a late payment or delinquency. Internal Investigation Report Documentation proving how they determined the account was 30 days late and their communication with the CRA 's. If you can not provide verifiable proof of ALL requested documentation, your failure to substantiate the claim will result in the demand of a correction or deletion of the late payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-14 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:
On XX/XX/year>, TransUnion was notified via dispute letter that the account XXXX XXXX XXXX is inaccurately reporting a 30-day late payment status, despite no such delinquency being reflected in the payment history. This account was never late, and TransUnion has failed to verify this information. Furthermore, XXXX and XXXX do not report any late payment status for this account, further proving the inaccuracy of TransUnions reporting. 

It is contradictory to claim that the account was 30 days late while failing to show any corresponding month in the payment history reflecting this delinquency. This is a clear and erroneous reporting error that must be corrected immediately. Failure to do so will result in this matter being escalated to the Attorney General for further action. 

I am fully aware of my consumer rights under the FCRA, and I understand that each violation carries a statutory penalty of {$1000.00} should I choose to pursue monetary relief. I have attached my dispute letter ( dated and time-stamped ) along with supporting documentation demonstrating this erroneous reporting. I urge you to reference TransUnion vs. Cushman and promptly correct this error before further legal action is necessary.

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 2025-02-14 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite me having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MS

Complaint narrative:
I have previously disputed these items with Experian and they did not resolve the issue. I relation to the recent judgment by the CFPB against Experian and their negligence to investigate and correct inaccuracies, I am demanding they remove the negative account from my credit report. I have enclosed my identification and lettter.

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 2025-02-14 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Urgent Assistance Required Unauthorized Transactions on My Bank of America Account Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance regarding unauthorized transactions that occurred on my Bank of America accounts. 

On XX/XX/XXXX at approximately XXXX XXXX, I noticed an unauthorized transfer of {$50000.00} from my savings account to my checking account. I immediately contacted Bank of America to report this issue. However, I was informed that I needed to call back at XXXX XXXX  when online banking support would be available. 

At XXXX XXXX, I contacted Bank of America 's online banking department, and they informed me that {$41000.00} had been used for purchases on " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within a span of just 30 minutes. I immediately informed them that I had no knowledge of these transactions and did not authorize them. Shockingly, they claimed that I had verified these transactions. In response, I rushed to my local branch to present evidence, including text messages showing that I had been responding to fraud alerts with HELP. 

Bank of America subsequently opened a case ( XXXX XXXX : XXXX ). However, despite my repeated follow-ups, no action has been taken to recover my stolen funds. This money was intended to be used as a down payment for my home, and its loss has caused significant distress. 

Given the banks inaction, I also filed a police report, and the case has been assigned the following number : XXXX. 

Prior to this incident, my credit card with same Bank of America on XX/XX/XXXX I was charge {$1800.00} and I reported that immediately and no action was taken and no action has been taken other than sending me a new card when I was stilll in possession of my old card. I want this addressed too. I do have other account and credit card with another bank and I DID NOT have any issue with it. So this is an issue with Bank of America. 

What is most concerning is that Bank of America typically verifies even minor transactionsfor instance, they have previously called me for authorization when making a {$200.00} payment. However, in this case, where a substantial sum was transferred and spent within a short period, no hold was placed on the transactions. This suggests a serious failure in their fraud prevention system, and I firmly believe they must take responsibility for this lapse and refund my money. 

I am seeking the CFPBs intervention to ensure that Bank of America thoroughly investigates this matter and returns my funds as soon as possible. I appreciate your urgent attention to this issue. 

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 2025-02-14 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: NV

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 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 2025-02-14 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: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-14 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2025-02-14 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with Equifax improperly removing XXXX of my legitimate credit accounts from my credit report. These accounts were not disputed or reported as fraudulent, and I was not informed of any investigation prior to their removal. 

Details of the Issue XXXX XXXX Account ( XXXX ) This is an active account in good standing. I have continued making payments, and my current balance is {$XXXX}. Despite this, Equifax removed it from my credit file between XX/XX/year>, and XX/XX/year> without cause. The account remains visible on my statements and with the lender. 

XXXX  & XXXX XXXX Card ( XXXX ) This account is also mine and has not been disputed or reported as fraud. My statement dated XX/XX/year>, confirms that the account was active. Equifax removed this account as well without notifying me of an investigation. 

Why This Is a Problem Equifax 's decision to remove these accounts negatively impacts my credit history, utilization, and score. If Equifax had conducted a proper investigation, they would have verified that these accounts belong to me and are in good standing. I was not notified of any dispute process or investigation before the removal, and I was not given an opportunity to provide supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Excessive calls from multiple numbers for a debt that is not owed at all hours of the day during the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
I am filing this complaint regarding improper investigation into my credit report, which continues to negatively impact my credit. You have failed to remove and have reinserted errors on my credit profile. As per the FCRA 611 ( 15 U.S.C., 1681i, you have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act.

Given the CFPBs findings and your previous handling of my dispute, you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Delete or correct any unverified, inaccurate, or incomplete information 2. Provide me with detailed explanation of the investigation process and furnish supporting evidence to verify the information in question.

3. Send me an updated copy of my credit report reflecting any changes.

Under FCRA 611 ( A ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file.

Failure to comply with the FCRA will leave with no choice but to escalate this matter further by filing a complaint to CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

I trust that you will take immediate action, corrective action and provide a response within the 30 days required by 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 explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-14 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: NY

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. 

Account Name : XX/XX/XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

Company response to consumer: Closed with non-monetary relief