vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have informed " XXXX / XXXX XXXX '' on several occasions and complained that they have been reporting an old closed account status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on TransUnion, XXXX, and XXXX credit reports : 1. ) Last Activity - ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 2. ) Remarks - ( only one report states, Closed. ) 3. ) Month 's Reviewed - ( 0, 0, and also 7 ) 4. ) Terms Count - ( 0, 0, and also {$13.00} ) 5. ) Term Source Type ( states either nothing or Provided. ) 6. ) High Credit ( either {$0.00} or {$620.00} ) 7. ) Current Payment Status ( Late 60, Late 90, or As Agreed ) 8. ) Payment history ( Youve made 20 % of payments for this account on time, Youve made 92 % of payments for this account on time, or Youve made 43 % of payments for this account on time. ) On the telephone, the company agreed to remove this inaccurate account once I paid their {$620.00} balance owed in full in XX/XX/XXXX, but they violated this verbal agreement and ignored my request ( s ). Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.

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 2025-02-05 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: FL

Complaint narrative:
I have informed " XXXX / XXXX XXXX '' on several occasions and complained that they have been reporting an old closed account status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on XXXX, Equifax, and XXXX credit reports : 1. ) Last Activity - ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 2. ) Remarks - ( only one report states, Closed. ) 3. ) Month 's Reviewed - ( 0, 0, and also 7 ) 4. ) Terms Count - ( 0, 0, and also {$13.00} ) 5. ) Term Source Type ( states either nothing or Provided. ) 6. ) High Credit ( either {$0.00} or {$620.00} ) 7. ) Current Payment Status ( Late 60, Late 90, or As Agreed ) 8. ) Payment history ( Youve made 20 % of payments for this account on time, Youve made 92 % of payments for this account on time, or Youve made 43 % of payments for this account on time. ) On the telephone, the company agreed to remove this inaccurate account once I paid their {$620.00} balance owed in full in XX/XX/XXXX, but they violated this verbal agreement and ignored my request ( s ). Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have informed " XXXX / XXXX XXXX '' on several occasions and complained that they have been reporting an old closed account status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on XXXX, XXXX, and Experian credit reports : 1. ) Last Activity - ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) XXXX. ) Remarks - ( only one report states, Closed. ) 3. ) Month 's Reviewed - ( 0, 0, and also 7 ) 4. ) Terms Count - ( 0, 0, and also {$13.00} ) 5. ) Term Source Type ( states either nothing or Provided. ) 6. ) High Credit ( either {$0.00} or {$620.00} ) 7. ) Current Payment Status ( Late 60, Late 90, or As Agreed ) 8. ) Payment history ( Youve made 20 % of payments for this account on time, Youve made 92 % of payments for this account on time, or Youve made 43 % of payments for this account on time. ) On the telephone, the company agreed to remove this inaccurate account once I paid their {$620.00} balance owed in full in XX/XX/XXXX, but they violated this verbal agreement and ignored my request ( s ). Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.

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 2025-02-05 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: GA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed multiple lawsuits against TransUnion for violating its previous agreement with CFPB, failed to ensure accuracy for tenants, and failure to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as TransUnions 's inaction violates federal law and my rights as a consumer.

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 2025-02-05 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: CA

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 U.S.C 1681. 

Account name # XXXX, Account name # XXXX, Account name # XXXX, Account name # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section A section 2, states a consumer reporting agency can not furnish an account without my written authorization.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX, XXXX, I received a collection notice from a debt collector on behalf of PayPal Inc. for the amount of {$340.00} I have since submitted documents on XX/XX/XXXX via email and by mail according to the instructions provided by the collector to deny the claim subjected by PayPal Inc . 

History : I made a purchase online with a payment going through Paypal for the amount of {$340.00} back in XX/XX/XXXX. Within days, the merchant requested to cancel the order due to no inventory. I then called both PayPal and my XXXX XXXX to dispute the transaction to request for refund on XX/XX/XXXX and a temporary refund was made. On XX/XX/XXXX, I received an official notice from XXXX that the dispute has been settled and the refund I received on XX/XX/XXXX is now permanent. 

Some time in XXXX XXXX, I discovered that my PayPal account ( not my XXXX XXXX XXXX has XXXX debit balance of {$340.00} I then called PayPal at least 3 times but to no avail and without help they simply disregard this issue and even claiming that I was not supposed to call XXXX XXXX because it creates duplicate refund. I called XXXX XXXX and ran through all my statements to ensure I only received the refund amount once. The only reason I called XXXX XXXX is because my PayPal account is linked with XXXX XXXX card. PayPal representatives do not treat the consumers as their customers and their call centers are in XXXX and even told me that their clients are the merchants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Probably over a month I ago I asked for some credit limit increases on my two Capital One credit cards and they offered a measly {$100.00} on each card ; not enough based on my income and spending. I need more credit as I have too much in my checking to risk using my debit card in society. Therefore I applied for another Capital One card and was approved for a {$300.00} limit. Apparently its all they will do so I accepted it and the card was mailed to me. 

I activated and barely used it due to my small limit. I used about {$57.00} of available credit and paid in full shortly thereafter. Up until today the balance was {$0.00} with {$300.00} available and also {$300.00} cash advance available. 

I was at a casino earlier tonight ( As this is XXXX XXXX ) and attempted to draw {$240.00} from it via ATM. The pin was correct and I had the available credit. The ATM said the pin was wrong and I didn't feel like calling in so I canceled it. 

I checked my app to see if I can update my pin there and saw the account was " Restricted ''. I called the customer service line to inquire why and they rep did not give me a reason for the random Restriction. The rep said he has some questions for me and asked me thee most brainless question on the planet " Did you open this card sir? '' Meaning I had it for a month, used it, paid it off, had no issues but was asked that stupid question. Yes I told him. He then said he has some verification questions. Sure here we go again. ( Just went through this with XXXX XXXX and I am starting to see a pattern of credit card companies abusing consumers with frivolous account freezes. ) His next question was " We need you to send in your bank statements for the last 90 days. '' I will NEVER do that, that is insane. The data in my bank statements is protected under Federal Law and is of no business to Capital One. If they wanted proof of income they should have asked when applying for this huge {$300.00} limit credit card.

How magical that my other two cards are just fine through Capital One yet this one isn't? 

Here 's my theory ; these card issuers will open the card for you ; you use it... then the frivilously freeze your ability to use it and ask for a plethora of unneccessary documents KNOWING that 90 % of consumers will not send it in, nor have the abilities to send it in. Then they close your account, hurt your credit by damaging the account age, also hurt it with a Hard Inquiry. They do this to keep consumers from improving their credit so they can continue to prey on individuals with bad credit. 

This has to be illegal and a form of fraud by Capital One to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report, and noticed I have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 
The List accounts below : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer report. The following falsely reported inquiries are XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX RESIDENT VERIFY Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I have not initiated any transaction with them, Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
By certified mail I sent a Validation letter and the company responded with a bill statement, however when I requested for more information and Verification of the debt by another certified letter and to stop calls, company did not respond and later sent letter to threaten to sue. I will like for creditors name and full address and the original agreement with signature and it to include Name of debtor of record Full account number Amount of debt Due date of debt Original charge off or delinquency date Explanation of how the debt was calculated Evidence that the debt is within states applicable statute of limitations Name of collection agency or owner of debt Amount paid if debt was purchased Completed and executed agreement including signature pages for the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I contacted cash app about deposits and could not talk yo a live agent, instead its via message center

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit report is inaccurate I have been a victim of fraud and identity theft

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 2025-02-05 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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

Company response to consumer: Closed with non-monetary relief