vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Account name, XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX, XXXX. 
Status updated XX/XX/XXXX. 

XXXXXXXX XXXX Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, These accounts listed above with the above information is listed on my credit report as delinquent. XXXX XXXX and Santander has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it to my credit report specially XXXX, I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. This negative information and fraudulent information has impacted my credit significant and has cause my current creditor to lower my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account name, XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX, XXXX. 
Status updated XX/XX/XXXX. 

XXXXXXXX XXXX Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, These accounts listed above with the above information is listed on my credit report as delinquent. XXXX XXXX and XXXX has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it to my credit report specially experian, I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. This negative information and fraudulent information has impacted my credit significant and has cause my current creditor to lower my 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My recent credit report contains information that does not align with the records I have kept, which has raised concerns for me. Accurate credit reporting is critical, and I believe this error needs immediate attention to prevent any further issues. I would appreciate it if you could carefully review the report and correct any inaccuracies found. Thank you for taking the time to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Money was sent from my chase account and I never sent it when I reported they said theres nothing that could be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
It has been 2 months sin i sent all required documents in reference to my moms passing and ownership of her home to PHH Mortgage. Instead of responding properly the are constantly sending correspondences to my mother to include a payoff amount that's expected 10 days ( XX/XX/XXXX ) from the date I received it. The amount of {$19000.00} which is {$9200.00} over the actual principal amount of the loan. {$3400.00} in assessed expenses. What assessed expenses? Expenses that they added even though they were told repeatedly for over a year that there was not money coming into the household and they were supposed to send paperwork but instead they have denied that I even asked for assistance. Or the fact that they refused any amount of money I tried to pay while the foreclosure was on hold. PHH has done absolutely nothing to assist. They are constantly sending emails claiming they have been trying to reach yet I have not received any phone calls only letters stating they are still researching. What exactly are the researching and while they are " researching '' they continue to add fees and finance charges. PHH is trying to over charge me. Added escrow even though they were told in writing years ago by my mother not to pay the taxes on the property and remove escrow but instead in XXXX the paid the the taxes and added escrow back, in XXXX I paid the taxes and they were informed of this in XXXX. They paid the taxes anyway and added it to the amount owed, for over a year I received monthly statements for {$20.00} about an inspect fee that eventually went up to {$30.00} a month. What were they inspecting? Why are they still adding late fees? After I sent the paperwork PHH sent the papers to a collection agency which turned around 6 days later and filed for foreclosure which PHH is trying to charge me for the expenses. 
.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App. XXXX XXXX XXXX ) Due to? 
Inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX XXXX  Account Number : 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby assert my right to have these items thoroughly investigated and promptly removed from my report. It is my understanding that you are required to verify these items with the respective creditor responsible for their inclusion. Consequently, I kindly request the elimination of any information that the creditor is unable to substantiate. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Please ensure that an updated copy of my credit report is sent to the aforementioned address. As stipulated by the act, no fee should be charged for this updated report. Furthermore, I request that notices of any corrections made be sent to all parties who have obtained a copy of my credit report within the last XXXX months. 
Thank you for your attention and assistance in addressing this matter. Yours 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 2025-01-22 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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 2025-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: FourLeaf Federal Credit Union
State: NJ

Complaint narrative:
I applied for a heloc, but before application we discuss the requirements for the application. They denied my application based on the debt- ratio percentage even thou such was said will NOT be part of the application and only the credit score which at the moment was XXXX, will be take into account. 
After they denied they told me to apply for a personal loan as to decrease the debt- ratio part out BUT it got denied as well for " many applications '' ... incidentally they created those applications! Damage my credit score and denied a claim based on their own mistakes!

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX {$32.00} OPEN BAL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SAVING {$64.00} BILLING ERROR AS DEFINED IN 15 U.S CODE 1666 B FAILURE TO FURNISH WITH A STATEMENT 21 DAY PRIOR WHICH OUGHT TO RENDER ANYRAMIFICATION OF LATE PAYMENTS REGARDING THE LINKED ACCOUNTS ( 4 ) THE CREDITOR FAILIRE TO REFLECT A PAYMENT MADE BY THEOBLIGOR OR A CREDIT ISSUED TO OBLIOGOR ON A STATEMENT. ( XXXX ) A COMPUTION ERROR OR SIMMAR ACCOUNTTING ERROR MADE BY THECREDITOR O A STATEMENT FOR ACCOUNTS LISTED

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX {$32.00} OPEN BAL XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  {$64.00} BILLING ERROR AS DEFINED IN 15 U.S CODE 1666 B FAILURE TO FURNISH WITH A STATEMENT 21 DAY PRIOR WHICH OUGHT TO RENDER ANYRAMIFICATION OF LATE PAYMENTS REGARDING THE LINKED ACCOUNTS ( 4 ) THE CREDITOR FAILIRE TO REFLECT A PAYMENT MADE BY THEOBLIGOR OR A CREDIT ISSUED TO OBLIOGOR ON A STATEMENT. ( 5 ) A COMPUTION ERROR OR SIMMAR ACCOUNTTING ERROR MADE BY THECREDITOR O A STATEMENT FOR ACCOUNTS LISTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$64.00} BILLING ERROR AS DEFINED IN 15 U.S CODE 1666 B FAILURE TO FURNISH WITH A STATEMENT 21 DAY PRIOR WHICH OUGHT TO RENDER ANYRAMIFICATION OF LATE PAYMENTS REGARDING THE LINKED ACCOUNTS ( 4 ) THE CREDITOR FAILIRE TO REFLECT A PAYMENT MADE BY THEOBLIGOR OR A CREDIT ISSUED TO OBLIOGOR ON A STATEMENT. ( 5 ) A COMPUTION ERROR OR SIMMAR ACCOUNTTING ERROR MADE BY THECREDITOR O A STATEMENT FOR ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic fund transfer act ( efta ) And regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 XXXXBalance : {$0.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief