vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
XXXX XXXX has been negligent in a Short Sale. 
They requested documents that were sent to them. It wasnt until after 10 days and our party reaching out to them to see what was going on that they canceled the short sale. When asked why they said insufficient documents. Not once after documents were submitted did they say the documents were not sufficient. This is negligent, seems intentional. Any time you asked to speak to a manager they tell you to call there number. 
A supervisor reached out to me at XXXX EST. Said he would call me back tomorrow during the day. He called me today at XXXX EST. After not getting anywhere. After I explained to him multiple times to explain to me how someone is suppose to know thedocuments are not sufficient if they never tell you theyare insufficient. If I was trying to get a mortgage fromthem they would tell me instantly these arent the correct documents. They wouldnt just deny the mortgage. Anytime you asked him a question it was either silence or something completely off topic and no actual response to question. When I asked to speak to his manager he replied I will call you tomorrow and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: KS

Complaint narrative:
This is XXXX attempt to resolve issue. This is new information and complaint. I am cosigner of daughters Sallie Mae student loan which was inadvertently sent to collections in XX/XX/XXXX. At that the loan was in good standing with.no missed payments for 3 years The loan was on lower payment program beginning jan. XXXX due to my daughters loss of employment in XX/XX/XXXX. Sallie Mae states loan sent to collections due to nonpayment for XX/XX/XXXX payment. Payment due date was XX/XX/XXXX by autopay which rejected due to bank error. Sallie Mae refused phone calls and payment on XX/XX/XXXX and XX/XX/XXXX. The loan charged off on XX/XX/XXXX with no notification. Sallie Mae states loan charged off because XX/XX/XXXX payment was not made BUT Sallie Mae refused to take that payment. I now have a payment missed on my credit reports and want it removed. Im also sending this to attorney general

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal Complaint Against Equifax for Account Restriction I am filing a formal complaint against Equifax for unfair and unlawful restrictions on my account. Despite complying with their request to upload my identification documents, they have continued to deny me access to my credit file, effectively blocking me from reviewing and managing my credit report. agent name XXXX ID number XXXX Details of the Issue : Equifax restricted my account, citing the need for identity verification. 
I provided all requested identification documents through their portal as instructed. 
Despite my compliance, Equifax has failed to restore my access, violating my consumer rights. 
Their failure to act has caused me unnecessary stress and inconvenience, preventing me from monitoring my credit properly. 
Violations of Federal Laws : Equifaxs actions constitute violations of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 : Section 1681g : Requires consumer reporting agencies to provide consumers with their credit file upon request.

Section 1681i : Mandates a proper reinvestigation process when disputes arise. 
Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531 : Prohibits unfair, deceptive, or abusive acts and practices by consumer financial institutions.

Federal Trade Commission ( FTC ) Act Unfair Business Practices : Restricting my credit file access without justification or due process could be considered an unfair trade practice. 
Relevant Legal Case : Equifax has previously faced legal action for similar misconduct. Notably : Federal Trade Commission, CFPB v. Equifax ( 2019 ) Resulted in a {$700.00} XXXX settlement over failure to protect consumer data and mishandling credit report issues. 
Requested Resolution : I demand immediate action from Equifax to : Restore my access to my account and credit file without further delay. 
Cease their unfair practices of restricting consumer access without justification. 
Provide written confirmation that my account is fully reinstated. 
If Equifax fails to comply, I request the CFPB to intervene and take appropriate enforcement action against them. 

I appreciate your prompt attention to this matter. Please confirm receipt of my complaint and inform me of any further steps needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: IL

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 2025-01-30 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: MD

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was never informed of a collection of {$800.00}. I wasnt given the chance to ask for verification or validation, but its reporting on my credit report as late and has caused serious personal harm to my every day life when needing to apply for a car, car insurance, a credit card and a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
A company XXXX, Collection Management Company ( formerly shown on my report as XXXX XXXX ) are showing the same account and balance on my credit report twice. This is even after Ive disputed the information as such. It has been rendered inaccurate by them yet still appears on my credit report twice. This is a violation of the FCRA laws and gives potential lenders the impression that my collections are more than they are, which could hinder me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called and reached out to Transunion about the fraudulent accounts on credit report due to the XXXX XXXX breach and the company keeps stalling saying my letters and documents are not mine and I am working with a credit repair company which is totally false. I am attaching my FTC report as well as my truth and facts affidavit which were notarized. I am a victim of identity theft and these fraudulent accounts are causing me financial stress and hindering me from my first home owner purchase. The following accounts and inquires are not mine : 1. XXXX XXXX BankruptcyCase Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> and remove from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>. 
XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX Account Number : XXXX XXXX WORLD FINANCE COMPANY OF XXXX Account Number : XXXX XXXX. XXXX XXXX VEHICLE PROP IN CO Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXXccount Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Closed Account Still Impacting Credit Score The account is marked as " Closed at credit grantors request, " despite never having any late payments. This could mislead lenders and impact my creditworthiness unfairly, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

2. Unverified Account Closure Reason There is no documented proof that this account was closed at the credit grantors request rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

1. 3. 


Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime allowed my debit card to be hacked. A strange person in XXXX XXXX has been taking small portions of money from my card without physically having the card. How is this happening if they dont have my card? Chime should have a more secure banking system. Why wasnt I notified with a text message when they have texted me before about other transactions? Also, I keep my card locked within the Chime app. Most of the time my cards are locked so I dont understand how they scammed me. There were 9 transactions that were unauthorized. Starting XX/XX/XXXX, XXXX XXXX, 2024 totaling out to {$430.00}. I am requesting my money back from Chime, who shouldve protected my account but did not. Chime has refused to refund me my money. They are allowing someone to get into my account without authorization. They did not send me a text like other times asking did I make this transaction. I didnt get that text when someone was scamming me. Im starting to wonder if its an in house job and if they need to be looking into their own employees. Not sure but its very odd that this is happening when they dont even have my card AND I always have my card on locked. I want Chime to refund me my {$430.00} due to their negligence in keeping my account safe. I also have the address to the location this scam is happening at XXXX XXXX XXXX XXXX XXXX. I called owner he says he has no idea but the atm machine is outside the store. I dont know whats going on but I want Chime to refund me my hard earned money I worked for. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
I have sent multiple letters and disputes regarding this matter I have yet to receive information and updates regarding my request to have these inquiries removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My account has been frozen at XXXX. They are holding roughly {$4000.00} in funds for what they call " loss prevention '' for up to 180 days. There is no possibility of losses for them as I have only used the account to buy and sell crypto. There is no possibility that someone will dispute charges or take money back. As a result, they are lying about the reason they are holding onto my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had made purchase from a seller on XX/XX/year>. I used PayPal Goods and services, PayPal claims to protect against fraudulent transactions. I also used my visa and PayPal Mastercard to pay the several transactions. On XX/XX/year>, I contacted PayPal immediately and they opened a case for me because the seller did not provide any tracking information and when I contacted her she said there was no items and no tracking and for me to open a dispute with PayPal. PayPal then opens the cases and asked for seller to provide tracking. She did not and I escalated the case. I spoke to PayPal and they said if she doesnt respond we will refund the entire amount. After 8 business days, after the ongoing case, PayPal closes my account and said they are no longer protecting me, after the fact. They should have said that from beginning I would not be protected using PayPal goods and services and also paying the their fee to be protected. I have all the proof that I was scammed by this person, I have contacted PayPal many times. I will have to seek an attorney if this isnt resolved. I am under a lot of stress causing me lose sleep and XXXX XXXX. I was fooled by PayPal. 
There were several tractions and they are as follows : I won one case for {$2000.00} the same seller and same situation and lost the other 4 because PayPal decided to close my account and they wont protect me in the other transactions. After I showed all the proof. 
{$6500.00} {$5000.00} {$2000.00} {$2100.00} {$3000.00} I called PayPal and they said because my account is closed even though I filed an appeal, they will still deny my case because PayPal closed my account. 

I have over {$20000.00} in my PayPal and they will not release my funds for six months

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
Every week Id have XXXX or XXXX random charges that wasnt me. XXXX and other random charges would hit my account in the middle of the night. I never could get any of the money back, the most they would do is block any future charges. I had to close my account. My wife had similar problems with her account too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
( Block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) SPECIFICALLY Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
somebody opened a comenity bank/XXXXXXXX XXXX credit card in my name and maxed it out, i received the credit card in the mail. I was confused so i activated it and created a XXXX XXXX account to log in, then i seen the card was maxed out and had a delivery to XXXX, New jersey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: AL

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 2025-01-30 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-30 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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