vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
TRANSUNION XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the XXXX XXXX guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this XXXX Account off my report Immediately. 


XXXX-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX TransUnion : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$27.00} TransUnion : {$27.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year> Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : XX/XX/year> TransUnion : XX/XX/year> Closed Date : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year>

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 2025-01-25 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: TN

Complaint narrative:
I was charged overdraft fees thinking I had the funds in my account but they delayed processing purchases which would later lead to overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I filed a dispute with the XXXX credut bureaus on XX/XX/XXXX because this debt with XXXX was XXXX through a XXXX XXXX XXXX in XXXX. 

On XX/XX/XXXX and XXXX I received emails from the company and I have since received several telephone calls and voicemails from the company asking me to verify a debt that they provided the financing for. 

On XX/XX/XXXX I sent a dispute directly to the company requesting that their entry be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi XXXX XXXX reported me late over a two month period. When I moved, I updated my address and the company put the wrong address. I called over five times to get my bill and they told me to just wait, its coming. I waited and waited, no bills. So I called the company to ask them where my bill was, and they finally asked to confirm my mailing address and they had wrong address. They informed me it was being returned. This is their error. They never once tried contacting me to tell me my mail was being returned. They didnt inform me of the returned mail when I called several times to check on my statement delivery. Ive been with them since XXXX  never missed a payment. They reported me late and significantly reduced my credit score over XXXX points. There are several FCRA and Reg Z violations they are violating with my account. I was so angry, I just had my wife cancel the account. This is so unfair and I ask the CFPB to make this right.

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 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FREEDOM FINANCIAL NETWORK
State: NJ

Complaint narrative:
I saw on my credit report that Achieve charged off, written off or profit and loss written off the account. I know that when they put that on the credit report they filed a 1099-c on their taxes as a write off. I want a 1099-c so I know that they can't sell it to collections and it will be removed from my credit reports. I mailed them a letter asking for the 1099-c and they have not provided me with anything. I certified, return receipt the mail on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
I applied for a capital one credit and was denied. I contacted them via the phone regarding the declination and was told that they were unable to locate any previous account. I did have one account, over 20 years ago, but I can not remember the basis on that account closure. My credit has tremendously improved as well as my income since then. So I am unsure as to why I am being declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I have been paying on my student loan since 2008 and Mohela stated they can not provide documentation of inception of loan of my payments. I paid off both my XXXX XXXX and XXXX loan and have been actively making payments over the years. On the Federal Student Aid site, my XXXX  for PSLF is showing XXXX but XXXX is only XXXX and that has been for several months with updated information sent several times. I have provided proof of employment and just submitted a request for reconsideration. I would like an accurate information regarding my PSLF status because customer service gives varying information. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
This discover account is not mines and I want it to be removed off my credit report. I have been reaching out to both Discover, XXXX, XXXX, and XXXX to get this account removed. They have removed the account off my credit report THREE times and inserted back on my credit report. This account needs to permanently be removed off my credit report as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-01-25 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: MD

Complaint narrative:
I want reported accounts removed 
XXXX XXXX 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 explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
I want reported accounts removed 
XXXX XXXX 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 explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I cant stress enough how frustrated I am with the errors on my report. These inaccuracies are dragging my score down and costing me real opportunities. Ive worked hard to manage my finances, and its completely unfair to see my efforts undone by someone elses mistakes.

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 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I paid off my mortgage with Rocket Mortgage late XX/XX/XXXX. Included in the final payment were additional escrow and other charges totaling {$2500.00}. I called to see why to pay those additional charges and was told that after everything clears, the difference would be refunded. At some point in that process, I was asked online if I wanted a check mailed out or a direct deposit. I selected direct deposit into the back account from which I had been paying my mortgage payment for five years or more. I was notified about XX/XX/XXXX that a check had been mailed in the amount of {$2300.00}. I was really angry that Rocket had used over {$2000.00} of my money for 20 days for no reason. Additionally, they had ignored my request for direct deposit. 

I called on XX/XX/XXXX o ask why a check was mailed instead of direct deposited as requested. After a rather frustrating conversation when the agent saw no record of my request for direct deposit, she asked if I would like to have the payment changed to direct deposit and the check canceled and I said, " yes. '' She said the deposit would take 4-5 business days to clear. On XX/XX/XXXX ( more than 5 business days ), I called the company to ask why the deposit had not showed up. The agent finally told me that the company was UNABLE TO DIRECT DEPOSIT THE amount and they had cut a second check and mailed it out. NEVER did they contact me to tell me that they were unable to deposit the amount. NEVER did they reach out to explain WHY they were rewriting and remailing a check. In addition to keeping my money, their lack of communication is infuriating. Now they will have used my money for an additional 15-20 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor ( Capital One Bank ) has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CT

Complaint narrative:
Victim of identity, theft, and for years, my credit reports have all had incorrect names, incorrect addresses, and incorrect phone numbers. I had multiple accounts opened fraudulently,, and while those have been rectified on my report, it still shows all the personal information is wrong.

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 2025-01-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been getting charges to my business checking account at wells fargo, the charges are from XXXX XXXX and XXXXXX/XX/XXXXwhich are not authorized and are payment to someone elses credit card accounts. I have filed claims with wells fargo and have not received back the money fraudulently charged to my account. the fraud prevention texts recieved which asked if the charges were authorized were responded to as not authorized but the charges were still processed. even after filing the first claim on XX/XX/scrub>/25, there has been 2 more charges processed by wells fargo for fraudulent charges overdrafting my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I requested a check be sent on XX/XX/year>24 through Bank of America Bill Pay. On XX/XX/XXXX the check had not been received so it was cancelled and a new one sent. They indicated they were depositing a {$490.00} late fee charge into my account and it would be there in 3-5 days. It is now XX/XX/XXXX and the money still isnt there. I have sent 4-5 emails, faxed information as requested and all they do is send form letters in return. 

The original check was finally received on XXXX XXXX. The date on it shows it was even written until XXXX XXXX. The replacement check wasnt written until XX/XX/XXXX even though they told me they sent it on the XXXX. 

So the original payment of {$4900.00} has finally been received but the 10 % late charge has not been deposited so I cant pay the person. I have been continually lied to when I call and they tell me it was deposited. 

Obviously they do not send checks on the day requested and hold the money for 5 days even though they remove it from my account. They are not following procedures like any other bankI have ever done business with. 

If you could get the {$490.00} deposited I will be all set and will no longer use their service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 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: 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 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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.

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 2025-01-25 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: GA

Complaint narrative:
I am a victim of the equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant ton15 USC 1681c-2 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation