vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: NJ

Complaint narrative:
There are 2 hard inquiries on my Transunion credit report. The 2 inquiries do not belong to me and are fraudulent inquiries. They are XXXX XXXX XXXX dated XX/XX/year> and the other XXXX dated XX/XX/year>. Both are fraudulent and do not belong to me. Nor did I apply for any credit and or loans from these companies.

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 2025-01-26 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: RI

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 2025-01-26 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: MD

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NJ

Complaint narrative:
I am filing a complaint against TransUnion for inaccurate information on my credit report. Despite filing disputes, the following errors remain unresolved : Old Addresses : My report includes outdated addresses. 

Closed Accounts : Several closed accounts are still listed as open.

Old Employers : Previous employers are still appearing on my report. 

Paid in Full Accounts : Accounts that have been paid in full are incorrectly marked as outstanding. 

Charge Offs and Collections : Resolved charge offs and collections are still showing as active. taxable income why does it appear on my report and who authorized it.

Credit Score Discrepancies : There is a significant discrepancy between my TransUnion credit score and scores from other credit reporting agencies, with TransUnion showing a lower score by [ number ] points.

Accessibility Issues : I have been unable to access my TransUnion credit report despite multiple attempts. 

I request the CFPB 's assistance in ensuring TransUnion complies with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates credit reporting agencies to correct inaccuracies.

My Rights under the FCRA : Access to Credit Report : Obtain a free copy of my report annually.

Dispute Inaccuracies : Right to dispute incorrect information. 

Notification of Adverse Actions : Right to be informed if credit is denied based on my report. I have never been informed of such actions yet things are recurring on my report Limit Access to Report : Right to control who accesses my report.

Privacy : Protection of my credit information. I OPT-OUT of all data sharing and reporting Correction of Inaccuracies : Right to have errors corrected. 

Reinvestigation : Right to a reinvestigation of disputed information. 

Fraud Alert : Right to place a fraud alert on my report.

Additionally, it is important to note that charge-offs are considered taxable income by the IRS. When a debt is canceled or forgiven, the forgiven amount is treated as income, and I am required to report it on my tax return. TransUnion 's failure to correctly report resolved charge-offs has financial implications and causes significant distress. 

Relevant FCRA Sections : 15 U.S. Code 1681a : Definitions and rules.

15 U.S. Code 1681b : Permissible purposes.

15 U.S. Code 1681c : Excluded information.

15 U.S. Code 1681d : Disclosures to consumers.

15 U.S. Code 1681e : Accurate information. 

TransUnion 's failure to correct these errors violates my rights under the FCRA and has caused me significant distress and financial inconvenience. Please help ensure TransUnion fulfills its legal obligations.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company has called several times from different number frequently before XXXX & after XXXX. Ive asked the company serval times to be removed for their call list due to no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
offer mailed, offer not executed, yet they keep sending me new applications. 

send the card OR cease and desist all mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I keep receiving emails from paypal about amounts of purchases and its not me I dont have a active paypal account and im not sure how this is happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
XXXXXXXX XXXX XXXX and Trans Union credit bureau is reporting inaccurate credit information pertaining to two accounts XXXX XXXX in the amount of XXXX this is not my account. XXXX, XXXX XXXX XXXX this is not my account.

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 2025-01-26 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: Experian Information Solutions Inc.
State: OH

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.

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 explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
This account is not mine. Ive disputed with original company and with credit bureaus. Ive sent over all documents stating my case and information to prove its not my account. This item keeps reappearing on credit file without proper verification. This account needs removal. 
This XXXX XXXX XXXX XXXX and XXXX XXXX  accounts needs removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
XXXXXXXX XXXX XXXX XXXX  account opened XX/XX/XXXX without my consent. Someone used my information to open a credit card account. The account was charged off with a balance of {$620.00} on XX/XX/XXXX. This has affected my credit score for years. After much effort in reaching out to XXXX XXXX Trans Union, XXXX, and XXXX, I have not gotten any results.

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 2025-01-26 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX account opened XX/XX/XXXXXXXX  without my consent. Someone used my information to open a credit card account. The account was charged off with a balance of {$620.00} on XX/XX/XXXX. This has affected my credit score for years. After much effort in reaching out to XXXX XXXX XXXX XXXX, Experian, and XXXX, I have not gotten any results.

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> a customer gave me a check for {$930.00} on a Bank of America check number XXXX on account number XXXX. I deposited this check by phone on XX/XX/year> to my business account at XXXX. On XX/XX/year>, XXXX withdrew {$930.00} with the following explanation : XX/XX/year> Debit For {$930.00}, An Item Was Processed More Than One Time. The Item Posted On XX/XX/year>, And Again On XX/XX/year>. Our Reference Number XXXX, Check Number XXXX, Deposit Location Number XXXX. 

My investigations into this withdrawal have been hampered at every stage by all participants : XXXX said to go to Bank of America because they told them to give back the money, Bank of America won't speak to me as I am not their customer ; and my customer who gave me the check doesn't want to do anything to help as he feels that I tried to defraud him. I have made a complaint through CFPB about XXXX but the CFPB would not do anything after XXXX provided their response ie that the check was presented twice so they had to return the money to Bank of America. 

However, the check has never left my possession, I did not deposit the check twice, and I certainly did not receive the funds twice. A perusal of my bank statements easily shows that this is true. Someone re-presented this check and received the funds and Bank of America will not investigate to see where the money went ; instead they have made me pay for their error.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GFS II, LLC
State: DC

Complaint narrative:
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit 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 2025-01-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
Affirm has reported that I have multiple accounts and will not remove the accounts I have disputed with XXXX and they will not correct it or show proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
For the XXXX property tax year, due XX/XX/XXXX, Flagstar Bank overpaid my property tax bill ( paid {$6200.00} but actual due was {$6000.00} ). Flagstar said that they dont have enough help to fix this - not sure how thats my problem or why such an easy fix issue would need more representatives. The property tax overpayment adds to my escrow account shortage twice since the XXXX tax year was over paid, & the estimated XXXX is over estimated. 
Also, Flagstar pulled two PMI payments, for {$110.00}, in XX/XX/XXXX for no reason - once again, adding to my escrow shortage. Now, my monthly payment will increase {$150.00} more a month. I can not afford that especially due to their errors & negligence. 
Flagstar admitted to it being a mistake but told me theyre not correcting it or providing a revised/corrected escrow analysis because theyre short staffed. 
Theyre selling my mortgage loan to XXXX XXXX XXXX & the transfer will be finalized for my account on XX/XX/XXXX. So, there is absolutely no customer service anymore, & they blatantly dont care. 
Ive attached my property tax bill.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash app ( block , Inc . ) Due to inadequate customer service and unfair practice, which violates the consumers financial protection act ( CFPA ). Specifically. Cash app. failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. their dispute resolved process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and regulations E. These actions have cause significance. inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Westlake Services, LLC
State: NC

Complaint narrative:
In accordance with the fair Credit Reporting Act ( Westlake Portfolio XXXX  ) Account Number ( XXXX ) has violated my rights. 15 U.S. C 1681 section 602A 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 Im requesting for this charge off to get removed off of my credit immediately!

And requesting a 1099-C immediately Westlake Portfolio XXXX  Account closed and chaged off My account number is XXXX It was charged off in XX/XX/202XXXX 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 2025-01-26 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:
My credit report shows a XXXXXXXX XXXX XXXX with XXXX XXXX I have never signed up for an XXXX XXXX credit card with XXXX and when I reached out to credit Bearu nothing was done it must be removed from my credit asap 15US code 1692c 15US code 1692g 15 US code 1681 ( e ) b hi

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 2025-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are multiple accounts on my credit report that were charged off/written off and sold both accounts are still on my report for years XXXX XXXX XXXX XXXX XXXX XXXX charged/ written off both accounts listed on my report for years. Multiple attempts to get them removed from my account. No XXXX ever provided. XXXX XXXX XXXX XXXX same thing debt written off and sold both on my credit report for tears multiple attempts to remove. No XXXX provided I believe their is IRS fraud and mismanagement by all three credit reporting agencies.

Company response to consumer: Closed with explanation