vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account 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.

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 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 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime has what is called XXXX. Im now guessing it is a PayDay Loan type service because of my current experience. I had a limit of {$500.00} in XXXX. When your paycheck deposits it pays that back first. Yesterday ( XX/XX/year> ) my paycheck was deposited. Immediately I received an email that my XXXX had decreased from {$500.00} to {$200.00}. They essentially took {$300.00} from me. I called customer service and spoke with three different people. I was told that because two weeks previously I had a deposit of {$.00} that my XXXX had been reevaluated. Hence, the decrease. This is not ok. All three customer service reps were very rude. I was told they could not manually adjust the XXXX limit. So here I am trying to figure out how to pay my car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Complaint Details : Loan Number Ending In : XXXX Date of Issue : XX/XX/XXXX Product/Service Involved : Auto Loan Summary of Complaint : I am filing this complaint against Digital Federal Credit Union ( DCU ) for their handling of my auto loan account. After reviewing my account records and documentation, I have identified several issues : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : o The original loan agreement indicated an interest rate of 5.24 %, which was unilaterally increased to 18.00 % on XX/XX/XXXX, allegedly due to a missing vehicle title.

o This significant adjustment was applied without adequate notice or justification, leading to inaccuracies in credit reporting and financial harm.

2. Improper Adjustment of Interest Rate : o The unilateral interest rate increase to 18.00 % was unjustified, especially as it stemmed from an administrative issue ( missing title ) for which I was not at fault. The responsibility for ensuring lien compliance lies with DCU as the lienholder.

o This increase caused inflated interest charges and significant financial strain.

3. Impact on Credit Standing : o The increased interest rate led to financial difficulties, resulting in late payments.

o These late payments adversely affected my credit score, leading to canceled credit card accounts and further financial distress.

o The late payment annotations and associated debt have caused significant harm to my credit profile and financial stability.

4. Lack of Transparency and Documentation : o DCU has failed to provide adequate validation of the alleged debt.

o The unsigned loan agreement and transaction history provided do not justify the accrued balance of {$45000.00} as of the charge-off date.

o Payments have been inconsistently applied, with a disproportionate amount allocated to fees and interest.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BOA internal employee assisted fraud has affected my account since XXXX, the latter closed in XXXX due to it being used as a laundering through other non clients. Ive since contacted the FDIC and OCC that regulates banking institutions. Which introduced me to FDIC related fraud accounts with my social security number and or checks in them that have used fdic insurance in the past but never applied to the correct account. Furthermore, pos and in branch services occurring while Im on the phone with the banking institution in what is described as card less entries and deposits denial or being held/ turned back to sender. A host of large checks in my name sent through their verification phone process without being applied to correct account. Ive marked myself a vulnerable person since the beginning of these investigations due to excessive force by the police on FOIA who also use my accounts and have a saved money account with 365 days of XXXX as the file name, the department of justice kept monetary payment as well as the XXXX cant even get the AG to assist either employe life insurance theft from paid for benefits without a counter XXXX is only one example. My credit is affected as well as the IRS file that has been used to fund money to politicians. I pray this never happens to anyone else, Im former military personnel.

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 2025-01-14 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Immediate Correction of Consumer Report : If my nonpublic personal information has been shared with nonaffiliated third parties or inaccurately reported due to XXXX XXXX  non-compliance, I request that Equifax immediately correct any inaccuracies or remove any incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-01-14 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: TX

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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX Account number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
All is attached with Police Report I am submitting due to the police department not being able to obtain information to solve problem. At some point in XXXX, someone took over my mobile phone and even a man answered a call when my daughter called me. She called again and I answered, and this is when everything started to happen. This " hacker '' withdrawing funds from Bank of America, accessed our XXXX account I am submitting this complaint because, Bank of America refuses to replace my funds from the point of the first withdraw.

Even working with Bank of America to put methods in place to stop the withdraws they continued to allow more withdraws. See police report attached that include all the funds that have been stolen and I have not been able to have my funds restored and the banks are not cooperating.

When contacting CFPB on Complaint Number XXXX in XX/XX/year>, I had received calls from ( 2 ) different Bank of America executives speaking angrily that I put in this complaint and accused me of taking the funds, after everything was well documented and told me that they would not respond to CFPB.

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M1 Holdings Inc.
State: FL

Complaint narrative:
M1 received a levy from the state of Alabama for child support. They sent me an email to inform me that my account was frozen until they disperse the amount of the judgement. I contacted the state 3 months later they stated that it takes a while for them to process. I contacted the state again they stated that they never received a check from M1. I reached out to M1 and they cant provide me with any payment information after liquidating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX Greeting To Whom It May Concern, Please take a look at the information that I am disputing on my Credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts and inquires on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ). I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquires that are not mines and needs to be removed.

Please send me written confirmation, also included proof. That youve complied with section 623 ( a ) ( 4 ) of the fair Credit reporting Act for the National credit Bureaus.

Thank you for your cooperation. If you have any question concerning this matter, I can be reached at phone number above. 
XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX ) XXXX Thanks in Advance

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to address Navy Federal Credit Unions handling of my dispute regarding a charge of {$420.00} from XXXX XXXX, which was filed on XX/XX/XXXX. Despite clear evidence of merchant non-compliance and confirmation from Navy Federal representatives, my account has not yet been credited, and I have been incorrectly advised to wait an additional 30 days.

Key Points : Recorded Confirmation of Resolution Date : On XX/XX/XXXX, I recorded a conversation with a Navy Federal supervisor who confirmed that the coordinator handling my claim had advised me that my account would be credited on Wednesday, XX/XX/XXXX. This contradicts Navy Federals current stance suggesting further delays.

Policy Requirements Already Met : XXXX XXXX policy requires merchants to respond within 30 days of the dispute being filed. As of XX/XX/XXXX, the merchant, XXXX XXXX, has failed to comply with this requirement, making me eligible for a refund under the policy. This is not a case where additional time is warranted. 
Unnecessary Delays : The claim has been open since XX/XX/XXXX, far exceeding the 30-day timeframe. Further delays are unjustified and conflict with Navy Federals own policies.

Poor Investigation and Miscommunication : The case was previously closed due to an inadequate investigation, only to be reopened after my persistence. Despite this, Navy Federal has continued to delay resolution, causing undue stress and financial hardship.

I respectfully request that the CFPB ensure Navy Federal honors its policy and credits my account for the disputed amount of {$420.00} without further delay. The merchants non-compliance and the supervisors confirmation of a resolution date on XX/XX/XXXX, clearly demonstrate that I am entitled to a refund.

Thank you for your attention to this matter. I am happy to provide additional evidence, including the recorded conversation, upon request.

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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