vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-25 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a complaint against Regions Bank 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 region bank 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 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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from XXXX and 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 2025-02-25 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-25 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-25 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX CO XX/XX/XXXX XXXX  Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of XXXX : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-02-25 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: PA

Complaint narrative:
This account was closed on XX/XX/XXXX after I stopped working in XXXX and couldn't make any more payments. However, XXXX XXXX XXXX is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than XXXX years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.

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 2025-02-25 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: PA

Complaint narrative:
This account was closed on XX/XX/XXXX after I stopped working in XXXX and couldn't make any more payments. However, XXXX  XXXX XXXX is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than XXXX  years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
This account was closed on XX/XX/XXXX after I stopped working in XXXX and couldn't make any more payments. However, Bank XXXX XXXX is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than XXXX  years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.

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 2025-02-25 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Collection account is appearing on my credit report, reached out to the reporting agency, they provided the collection agency number, contacted the collection agency but they do not have the account. 
Debt collection is for XXXXcollection agency is XXXX  management company XXXX Acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Complaint first stated the XXXX XXXX XXXX was not honored and I expressed my concerns on the contract that's violated the XXXX XXXX the company wanted in details XXXX XXXX which in my opinion was a ploy to close my accounts unauthorized after paying to payments on both cards before retaliation of requesting mediation from there " XXXX XXXX XXXX, and there card member of fraud and customer relations department I was declined and decived I had cards with both Representatives Destiny, and indigo MasterCard I had services and made on time payments over a five year period never a late payment I had a flare up and I requested to utilize the insurance I paid for Incase emergency and they never honored it come to find out my accounts were just closed after I made double payments and the insurance would more than cove the amount one card had a {$500.00} on the one card and {$300.00} on the other well I recently moved and had to unfreeze my credit report in order to move to my new residence to not only did XXXX XXXX XXXX XXXX not value or render the insurance claim they hit my credit report and violated the fair credit act and also preform violations in chapter XXXX XXXX XXXX There unfair subscription and billing practices that had undisclosed charges " in my opinion is also violating and displaying '' cramming and slamming and negative options ultimately I was decived enough to make what payments would be needed and allow the two accounts to " due off '' it crashed my credit report over XXXX points and now I have not only wonderful and negative reports as well for never having a late payment in my whole life on my credit is very disappointing and it restricted the amount on a load to moving without it being governed I paid {$9.00} a month for the insurance for two months shy of 5 years though me for a loop in many ways.I also asked for a reasonable accommodations for my XXXX I have XXXX XXXX  and was told to call another department and to reference I had to take the same insurance XXXX XXXX and that was with XXXXXXXX XXXX at the same time and they did grant it to me and I didn't have to fill out paperwork that violated the XXXX XXXX  and next thing I know my accounts are close and they also violated the fair credit act and I believe it was complete retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX is incorrectly stating that the account is " open '' when it has been closed since late 2020, In violation of the fair debt collection practices act ( they are trying to claim that the account is in-statute, when it has been out of the 4 year statute for over a year ). They also incorrectly reported the amount due as over {$XXXX} originally, when it is {$XXXX}. 

They are falsely stating that the account is " open '' when it has been closed for 4 years, in an attempt to collect it when the account is out-of collection statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from XXXX and TransUnion.

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 2025-02-25 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:
To Whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian and XXXX asking them to reinvestigate these account : Oportun/progeso finan. On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. I looked at my report and notice everything is still the same and according to 15 USC 1681i ( 5 ) they are suppose to do this treatment of inaccurate or unverifiable information. In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has benn modified or delete from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accury of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximun possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this os suppose to happen ( a ) Reporting Information with actual knowledge of errors. A perdson 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. Experian really did not reinvestigation they lied on an official document saying they did something the did not do There is an inconsistency in the account owner and Experian has not investigated my request since it is not reflected in the other bureaus because XXXX and XXXX investigated and the account is not correct so it was removed from my credit report, I request that this also be removed from my Experian report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This is a follow-up to my original complaint ( Case # XXXX ). USAAs response is misleading and contradictory. I am requesting a further review due to new key information. 

This is a follow-up complaint regarding my original case ( Case # [ Your Original Case Number ] ). USAAs response contains contradictory reasoning and misleading information that needs further investigation. 

1. My Refund Request Was Made Within the 60-Day Window I overpaid my USAA credit card on XX/XX/year>. 
I requested a refund on XX/XX/year> ( only 21 days later ). 
USAA first denied my refund because it would have caused my account to exceed my available credit limit due to a credit limit reduction I made. 
Later, they falsely claimed I had exceeded the 60-day dispute windowwhich is incorrect, since I made my refund request within 21 days of the overpayment.

2. USAA Misled Me and Did Not Disclose Refund Limitations USAA never informed me that lowering my credit limit would prevent me from receiving a refund. Had I been properly informed, I would have handled my account differently.Their failure to disclose this information caused financial harm and prevented me from recovering my own money.

3. USAAs Changing Justifications Show Unfair Practices First, they denied my refund due to my credit limit decrease.

Later, they falsely claimed I had exceeded the 60-day refund windoweven though they admit I requested a refund just 21 days after my overpayment. 
These inconsistent explanations suggest USAA is unfairly withholding consumer funds.

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 2025-02-25 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Information that is being reflected from this company is inaccurate. I was in Forbearance and the Federal Loss Mitigation under the Federal Housing Administration. The Law states that during this process that credit reports are not to be changed during this process

Company response to consumer: Closed with explanation