vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: IN

Complaint narrative:
In XXXX, my information was involved in a data breach. Since then credit cards have been used in my name and my credit report is ridiculous. I should not have to pay debt that I did not accrue. I can no longer pay for this debt. I did not know what to do I thought I had to just pay it to regain my credit but I need help. 

XXXX XXXX says {$2900.00} and {$2100.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$610.00} and {$1000.00} XXXX XXXX XXXX {$890.00} and {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: VA

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. CXXXXe XXXXe ( b ) and 15 U.S. CXXXXe XXXXi ( XXXX ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America withdrew money from my account while a fraud claim is in progress

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously disputed the bankruptcy reporting on my credit file, and the bureau has verified it as accurate. However, I am submitting this follow-up request for further clarification on the verification process.

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 2025-02-27 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with XXXX XXXX, I formally request their removal within XXXX days. Enclosed are supporting documents for your review.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously disputed the bankruptcy reporting on my credit file, and the bureau has verified it as accurate. However, I am submitting this follow-up request for further clarification on the verification process.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate addresses from my credit report. As a consumer, I have the legal right under 15 U.S. CXXXXe XXXXi to dispute and have inaccurate, incomplete, or unverifiable information removed from my credit file. 

The inaccurate addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX # XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX I have formally disputed the incorrect addresses with TransUnion and provided supporting documentation verifying my correct and current address. Despite my request, the bureau has failed to correct or remove these inaccuracies within the XXXX  day timeframe required by the FCRA. Their failure to take corrective action is a direct violation of my rights and is causing undue harm to my credit profile. 

I request the CFPBs immediate intervention to enforce compliance with federal law and ensure that these incorrect addresses are permanently removed from my credit report. I also ask that the credit bureau be held accountable for their failure to uphold consumer protection regulations.

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 2025-02-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Credit Bureau Name ( Experian, Equifax, or TransUnion ) Subject : Dispute of Incorrect Debt Reporting XXXX  Account XXXX To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report. The account in question is a collection account from XXXX ( Account XXXX XXXX XXXX XXXX  originally owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX with a current balance of {$1600.00}. 

This debt is being incorrectly reported as my responsibility. However, this charge is related to an industrial accident that occurred while I was at work, and the full balance was covered and paid by Workers ' Compensation. Since this debt was not my personal financial obligation and has been settled by the appropriate insurance, it should not be reflected on my credit report as a derogatory mark.

I kindly request that you remove this inaccurate information from my credit report immediately. Please investigate this matter and update my report accordingly. Attached, you will find supporting documentation, including any relevant Workers Compensation records and payment confirmations, to verify that this debt should not be associated with my personal credit history.

In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. If you need any further information, please contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Credit Bureau Name ( Experian, Equifax, or TransUnion ) Subject : Dispute of Incorrect Debt Reporting XXXX  Account XXXX To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report. The account in question is a collection account from XXXX ( Account XXXX XXXX XXXX XXXX  originally owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX with a current balance of {$1600.00}. 

This debt is being incorrectly reported as my responsibility. However, this charge is related to an industrial accident that occurred while I was at work, and the full balance was covered and paid by Workers ' Compensation. Since this debt was not my personal financial obligation and has been settled by the appropriate insurance, it should not be reflected on my credit report as a derogatory mark.

I kindly request that you remove this inaccurate information from my credit report immediately. Please investigate this matter and update my report accordingly. Attached, you will find supporting documentation, including any relevant Workers Compensation records and payment confirmations, to verify that this debt should not be associated with my personal credit history.

In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. If you need any further information, please contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Someone that claimed to be from Chase Bank called and told me that someone applied for a credit card in my name from XXXX Texas. I did not authorize it. They told me that it was denied, and transferred me to what they claim is the CFPB. This person wanted verification details, which I refused to provide them and I asked if they would provide me a phone number to call back, since I was not sure that it was the CFPB I was talking to. They hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/year> Carvana LLC XXXX XXXX XXXX XXXX, XXXX, PA XXXX Dear XXXX XXXX I purchased a vehicle from Carvana on XX/XX/year>. The full amount was deducted from my account, and I have proof of payment. I provided my banking information for account verification purposes but was not informed that the payment would be immediately deducted. 

On XX/XX/year>, I received an email stating that the sale was canceled due to potentially false, misleading, or unverifiable documents. I had provided a Power of Attorney ( POA ), UCC Filing Statement, my state national ID, an affidavit stating that I do not need to register the vehicle for personal use, and a lien on the vehicle. This was a consumer credit transaction, not a commercial transaction. My application served as my Bill of Exchange. 

Despite the deduction of funds from my account, the transaction was canceled, and the vehicle was sold, leaving me without a vehicle or the money I paid. The Federal Reserve Act sections 16 part 1 and 2, along with 15 U.S. Code 1662, 15 U.S. Code 1638, and 15 U.S. Code 1605, outline the legal framework governing consumer credit transactions and associated rights.

As a consumer, I have the right to fair treatment, transparency, and clear communication in my financial transactions. The Truth in Lending Act ( TILA ) protects consumers from inaccurate and unfair credit practices, while the Consumer Credit Protection Act ( CCPA ) ensures that consumers receive accurate information about credit transactions. 

I request that Carvana address this matter promptly and provide a resolution that restores the deducted funds or fulfills the initial agreement by providing a vehicle of similar value. I expect clear communication and fair treatment throughout this process, in accordance with my consumer rights and the relevant laws mentioned above.

I look forward to your response and a satisfactory resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-02-27 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-27 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: PA

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. 
ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 2025-02-27 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: PA

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. 
ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 non-monetary relief
Consumer complaint received 2025-02-27 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:
XXXX of my credit cards limit increased I sent equifax the information to update the account, on XX/XX/year>2025 I received an email stating my credit score change and the status of my account changed. When I logged in my credit score dropped XXXX points and my account was closed. I called equifax and they stated that the account is open I let them know I can see on my online account that the account is closed, I let them know that since they are reporting my account is closed that my score dropped. They keep telling me the account is open and they can't do anything further. Equifax is the only bureau that is reporting this account closed when it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXXe XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXXe XXXXb - Timing of Payments ( 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

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 2025-02-27 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: TX

Complaint narrative:
I am filing a complaint against XXXX, EXPERIAN, AND XXXX for failure to report information in compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ). Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards. 

Despite my dispute, the information remains unchanged, and the furnisher has failed to provide proper verification. Under 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and correct errors within 30 days. This failure to comply directly impacts my creditworthiness and financial stability.

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