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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX contacted me about an unpaid medical debt from the XXXX XXXX XXXX XXXX system totaling {$130.00} in XXXX of 2024. This was a surprise to me, because correspondence had been spotty as XXXX XXXX  from California to North Carolina during XXXX of 2024 and also suffered credit fraud in the same period. 

I contacted XXXX XXXX to verify the debt, and checked with the XXXX XXXX XXXX XXXX system. I found I had a small balance, far less than {$130.00}, and paid it directly with the University of XXXX XXXX XXXX. However, XXXX XXXX did not respond to my request for verification and thus I can not validate their debt. 

Meanwhile, XXXX XXXX illegally reported this debt to all three credit agencies, impacting my credit. First, the debt has not been verified. Second, medical debt < {$500.00} is illegal to report to credit agencies.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX contacted me about an unpaid medical debt from the University XXXX California XXXX XXXX totaling {$130.00} in XXXX of 2024. This was a surprise to me, because correspondence had been spotty as I moved from California to North Carolina during XXXX of 2024 and also suffered credit fraud in the same period. 

I contacted XXXX XXXX to verify the debt, and checked with the University XXXX XXXX medical system. I found I had a small balance, far less than {$130.00}, and paid it directly with the University XXXX XXXX  XXXX system. However, XXXX XXXX did not respond to my request for verification and thus I can not validate their debt. 

Meanwhile, XXXX XXXX illegally reported this debt to all XXXX  credit agencies, impacting my credit. XXXX, the debt has not been verified. XXXX, medical debt < {$500.00} is illegal to report to credit agencies.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. XXXX stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID XXXX ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, XXXX reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of XXXX ( XXXX ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these 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 2025-01-22 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: FL

Complaint narrative:
I submitted a dispute to Experian regarding an incorrect 30 day late payment from XXXX. I sent documentation to prove that the payment was received on time. On XX/XX/XXXX, Experian sent me a vague response stating the following " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Experian do not consider the PROOF that was sent and provided no evidence to validate XXXX 's claim. 

I am beyond frustrated. My payment was made on time.

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 with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank denied my claim for unauthorized transaction on my checking account ending in XXXX from XXXX today XX/XX/year>. They stated a debit card was used and that was the only reason they denies it. Citibank fail to protect me as a consumer by not notifying me any of the transactions that was unauthorized by XXXX. Citibank allowed over XXXX plus unauthorized transactions from XXXX to go through my checking account with debit card ending in XXXX, costing me over XXXX dollars missing. 
XXXX  Unauthorized ACH transfer {$30000.00} dollars out of my checking account XXXX XXXX XXXX XXXX transactions over XXXX plus transaction totaling {$120000.00} dollar on card ending in XXXX. 

Citibank only honor the claim for the the XXXX XXXX dollar that was missing and is refusing to honor the claim on debit card transaction that was also from XXXX. 
Citibank negligence in not notifying me or stopping to verify any of the transaction from XXXX have caused me emotion pain, on top of that Citibank have closed my bank account with them when I raised the concern that it was they ( Citibank ) who failed to protect me and as to why was the XXXX XXXX dollar claim honor and not the XXXX dollars from the debit card? This is Citibank way of trying to get out of a claim knowing full well that they have failed to protect me as the consumer by denying my claim and closing my account with 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 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: MI

Complaint narrative:
see attached 15US Codes 1681A Definition rules of construction paragraph 2 titled exclusions state " that transactions do not report to the consumer report. '' Late payments are a form of transaction and late payments reporting to the consumer report is a violation of the Fair Credit Reporting Act. Hence, a breach of the late payment directly violates the Fair Credit Reporting Act. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report. The late payments reported for this account are incorrect. This account has always been paid in full and on time. I have never been late on this account and I request that the inaccurate late payment information be removed from my credit report immediately.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. XXXX action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that XXXX has filed a lawsuit against Experian. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. Experian, XXXX and XXXX have not attempted to remove, nor correct any information. Experian, XXXX and XXXX also failed to remove improper addresses/spelling of name

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously requested my late payments to be investigated and to update these payments to paid on time immediately. I am now requesting proof of the previous investigations. I am asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this accounts was late, if you can not provide me with this information in XXXX  days update the account to PAID/NEVER late and send me a copy of my updated credit report.

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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one recognized Dec 22,2023 Inside of XXXX  within Credit Report.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : 1681 0 ) I am writing to formally dispute the claim of civil liability for negligence referenced as 1681 0. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
THIS COMPANY IS BREAKING THE LAW BY FALLING TO PROVIDE PROPER VALIDATION AS REQUIRED UNDER 12 CFR 1006. 34 ( B ) ( 5 ) .DESPITE THIS, THEY " VE ADDEDA COLLECTION TO YOUR CREDIT REPORT. THESE ACCOUNT WAS OPENED DUE TO DATA BREACH OR IDENTY THEFT. 
I " VE ALREADY TRIED TO RESOLVE THESE ISSUES DIRECTLY WITH THEM, BUT THEY CONTINUE TO VIOLATE MY RIGHT. FOR EACH VIOLATION LISTED, I AM ENTITLED TO {$1000.00}. THEY MUST EITHER COMPENSATE ME OR REMOVED THESE ACCOUNTS IMMEDIATELY. 
1 : SUNRISE CREDIT SERVICES GROUP {$370.00}

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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in to be removed.

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! 

XXXX5 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 XXXX  days before the payment due date. 

XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
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: MI

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 XXXX XXXX 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: 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: CA

Complaint narrative:
I am filing this complaint with full awareness of the ongoing lawsuit between the Consumer Financial Protection Bureau ( CFPB ) and Equifax, which highlights Equifax 's systemic failure to comply with federal consumer protection laws. My experience is yet another example of XXXX blatant disregard for the Fair Credit Reporting Act ( FCRA ) and its obligations to consumers. 

I filed multiple disputes with Equifax to address fraudulent accounts and inquiries on my credit report, providing all required documentation, including a police report, identity theft affidavit, and proof of identity. These disputes were filed under FCRA Section 605B, which explicitly states that fraudulent accounts and inquiries must be blocked and removed within XXXX business days. Despite this clear legal requirement, Equifax has repeatedly failed to remove or correct the following fraudulent accounts and inquiries : XXXX XXXX  XXXX XXXX XXXX Balance : {>= $1,000,000} XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX ) XXXX Account XXXX Balance : {$130000.00} Equifaxs failure to act not only violates the FCRA but also demonstrates their negligence in protecting XXXX from the devastating consequences of identity theft. Instead of fulfilling their legal obligations, Equifax has either ignored my disputes, conducted inadequate investigations, or wrongly verified fraudulent accounts as accurate. This disregard for consumer rights is unacceptable and continues to cause me financial harm and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I went online to apply for the XXXX XXXX card with capital One and was denied despite the fact that my XXXX XXXX on XXXX was XXXX with an on-time payment of XXXX XXXX and a revolving credit of XXXX  years. My application ID was XXXX. I call Capital One today and spent XXXX hour with XXXX representatives and each of them transferred me to the next one and I was transferred XXXX  times and the last person name was XXXX and she was the supervisor. At the end, I was asked to re-apply and write to Capital One at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I told XXXX on the record that I spent XXXX hour with XXXX reps and nobody was able to give me a specific reason why I was denied this credit card. What was XXXX XXXX of re-apply for this card again or write to the XXXX XXXX XXXX I had no idea what to write since I could not rebut or appeal due to no specific reason was given. I was told that they could not tell me and that something did not match. In this situation, I could not think of any reason why Capital One denied my credit card application otehr than being an XXXX female and that I saw this as a discrimination on me for being denied despite my excellent credit report.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On Wednesday, XXXX XX/XX/year>. I tried to contact Experian ( Experian.com ) via ( XXXX ) phone calls. XXXX call assistance was slow and has limited options to obtain answers for a credit freeze and fraud hold on my account. 
You apparently are allowed XXXX options ; XXXX. Receive a text on a XXXX mobile phone. I was calling from my XXXX XXXX number which can receive text but could not receive any text from Experian for some reason. XXXX & XXXX are to go to the website and create an account to request information on a credit freeze or fraud hold. I could not even create a user account as the website sent an error message stating the XXXX address I am using was not allowed. I refreshed the website and tried a few times more to confirm and got the same response. 
A person living part-time in another country other than the XXXX, XXXX, should have the ability at a minimum to speak with a real person/representative and inquire on freezes or fraud holds on their account. The automated call system should be able to transfer these very important calls to a real person/representative. 
XXXX and XXXX were the other credit report companies that were called on the very same day ( Wed XXXX XX/XX/XXXX ) at approximately the same hour and took care of my request in seeking relief from any credit freezes or fraud holds. I had neither freeze or hold from either of these XXXX companies. So the XXXX company I could not speak to an actual representative,, possibly has a freeze or hold on my account?? 
Would really like to know so I can start a very important quality of life process to help my financial status for me and my family. Thank you 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