vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding the handling of my credit report disputes and the inaccurate reporting of several credit card claims. These claims originated in 2018 and should adhere to the Fair Credit Reporting Act ( FCRA ) guidelines, which require negative information to be removed after seven years. However, my attempts to resolve these matters have been mishandled and met with unjust actions by the credit reporting agency and creditors involved.

Upon discovering the inaccuracies, I promptly disputed the claims with my credit card issuers and the credit bureau. Under FCRA Section 605 ( b ), it is illegal to report information on a consumers credit report without proper validation or authorization. Despite this, my disputes were denied without any substantiated evidence or documentation proving the accuracy of the reported information. Furthermore, instead of resolving the matter fairly, the credit bureau vindictively updated the reporting dates to extend the negative information on my credit report, with some accounts now set to remain until XXXX. 

Initially, many of these accounts were slated for removal according to the standard seven-year reporting rule. However, after I disputed them, the removal dates were unjustly extended, directly contradicting FCRA guidelines. This appears to be a punitive and retaliatory action intended to harm my credit standing further. 

I am respectfully requesting that the CFPB investigate this matter thoroughly and ensure compliance with the FCRA. Specifically, I ask for : 1. The immediate removal of the disputed accounts from my credit report due to their improper reporting and lack of substantiating evidence. 
XXXX. A review of the credit bureaus practices regarding the extension of reporting dates following consumer disputes. 
Thank you for your time and attention to this serious matter. I trust the CFPB will take appropriate action to ensure fairness and accountability. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MS

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Adresss : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Return Address : same as address XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX ] Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number - XXXX Source of dispute information : XXXX XXXX XXXX. XXXX XXXX Big XXXX XXXX, XXXX, Mi XXXX They are stating I am responsible for a credit account from syncing bank and is now in collections. 
Dates associated with item being disputed : XX/XX/XXXX and XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. My wallet was stolen with all my information, my social security cards as well as my childrens and credit cards, I have reached out to Experian more than once and they state the information is accurate when it is not. 
Dispute XXXX - account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX They are stating I am responsible for a credit account with a company I know nothing about. I have tried to dispute this more than once but they arent fully investigating anything. It is affecting me a great deal. 

Thank you for your assistance. 
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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I finally am getting last years tax refund. But my credit karma spend account was closed. I was in the hospital last year and recovered only to see they closed my account. 
My refund is being sent today it tomorrow. And I have been trying for a week to get some kind of help..every single support agent is completely untrained ill-informed and purposely trying to waste your time. And I wish I was exaggerating. I am a XXXXXXXX XXXX of XXXX  and I desperately need that money and yet a billion dollar corporation like credit karma and into it are thoroughly giving me the runaround. I have received a different " answer '' by every single agent I spoke with. And I find it hard to believe that in the year XXXX  when we have drones hovering in the sky, you're telling me you can't type in my new bank account information to redirect that check? I find that extremely hard to believe. 

My children and I have had a horrible year. We had to leave our abuser and ... anyway. 

So now I'm not sure what my address in file with credit karma is. It should be XXXX XXXX XXXX XXXX pa XXXX That's what it was when I opened the account. 

And then we lived at XXXX XXXX XXXX XXXX PA XXXX for a few months. 

But now my current address is XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
Subject : Request for Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I am writing to formally request the method of verification regarding the investigation of a disputed item on my credit report, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ).

While I may not have a complete list of accounts currently under dispute, I am aware of the following account ( s ) on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that this request applies to all disputed accounts, not just those listed above.

According to the FCRA, if a consumer requests the method by which the information was verified, the credit bureau is required to provide this information within 15 days of the request. I am exercising my right to request this documentation, including : 1. The name, address, and contact information of the entity that verified the disputed information.

2. A detailed description of the procedures used to verify the accuracy of the disputed item.

3. Copies of any documents obtained during the investigation that were used to verify the item. 

Please provide this information in writing within the required time frame. If you are unable to verify the accuracy of this information through independent documentation, I expect the disputed item ( s ) to be deleted from my credit report immediately, as required by the FCRA. 

I appreciate your prompt attention to this matter and look forward to your response. Please send your reply to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
Subject : Request for Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I am writing to formally request the method of verification regarding the investigation of a disputed item on my credit report, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ).

While I may not have a complete list of accounts currently under dispute, I am aware of the following account ( s ) on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that this request applies to all disputed accounts, not just those listed above.

According to the FCRA, if a consumer requests the method by which the information was verified, the credit bureau is required to provide this information within 15 days of the request. I am exercising my right to request this documentation, including : 1. The name, address, and contact information of the entity that verified the disputed information.

2. A detailed description of the procedures used to verify the accuracy of the disputed item.

3. Copies of any documents obtained during the investigation that were used to verify the item. 

Please provide this information in writing within the required time frame. If you are unable to verify the accuracy of this information through independent documentation, I expect the disputed item ( s ) to be deleted from my credit report immediately, as required by the FCRA. 

I appreciate your prompt attention to this matter and look forward to your response. Please send your reply to the address listed above. 

Sincerely, 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 2025-02-01 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: MI

Complaint narrative:
I am writing to formally dispute the inaccurate late payment entries and collection accounts reported by TransUnion on my credit report. Despite providing TransUnion with clear and sufficient proof that the payments were made on time, including payment confirmations and account statements, they have failed to remove these erroneous records from my credit report. Additionally, the collection accounts that are inaccurately reported remain unresolved. 

I have made multiple attempts to resolve this issue directly with TransUnion, but the incorrect information remains uncorrected. I respectfully request your assistance in addressing this matter and ensuring that TransUnion updates my credit report to reflect the accurate payment history and removes any erroneous collection accounts. 

Thank you for your attention to this issue.

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 2025-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
NationStar Mortgage ( XXXX Mr. Cooper ) has unfairly and unnecessarily damaged my credit score ( which was previously " Excellent '' and close to XXXX ) as a result of receiving federal loan forbearance and subsequent Payment Deferral. They have caused my credit score to drop XXXX points. This is unnecessary and overly punitive for borrowers already in financial distress. 

The " late payments '' reported by NationStar Mortgage were in fact part of a Fannie Mae federally-approved Loan Forbearance and Payment Deferral program. I was in full communication with the lender throughout my financial hardship ( unexpected loss of a job ), and followed all of their processes and rules. I have never found a mortgage company so difficult to work with. 

I am a college educated person, but even so, have struggled to navigate Mr. Cooper 's deliberately obuse processes, and have been given misinformation and contradictory information almost every time I have called their Customer Service line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to bring specific in consideration in my credit report to your attention, specifically pertaining to billing errors as outline in 15 U.S.code 1666 ( B ) under the billing error category the creditors failed to accurately reflect the payment made by obligator or credit issued to the obligator on a statement a compulsion error are similar accounting error made by a creditor on a statement. Its my knowledge that the creditor fail to furnish me with the statement 21 days prior, which ought to render any ramifications of late payments regarding the link accounts, I am in pursuit to concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in and erroneous designation as late a sign of invoicing error. therefore, I am request subsequent entries be promptly updated on my consumer report to reflect their current status as follows paid as agreed my total removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have a business savings and checking account at Huntington Bank. I had email alerts established so that If a transfer was made a received an email notification, if my accounts went below {$1000.00} I received a notification etc. 

My account was hacked. Someone transferred the money from my savings to the checking - I was not notified. They then sent {$46000.00} to a XXXX XXXX bank - I was not notified. My savings balance was low - I was not notified. I logged into my account saw the low amount and the transfer made. I immediately contacted the bank and they started an investigation. My accounts were then frozen. However at this point I started getting email notifications again. Per the banker someone was able to access my account and override the notifications. They should have been able to see who did this when they went and restored the notifications back to my email. Further proof of hacking. 

The bank has denied my claim for fraud. They say it comes from an Ip address that is common to me. I have never transferred sums of money like this in the history of my account. This should have been a huge alert for a sum of money like this going out of my account. The largest transfer ever from my account was a one time {$9500.00}, so this was way above normal activity. When I talked with the banker they said there is fraud all the time and this happens. I have not received the details. I feel they should have traced where the money went to, the account etc. There are no ties or relations ships that I have with XXXX XXXX. My account was hacked and this is fraud. The bank will do nothing to restore this. I am appalled at their lack of concern for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion is using deceptive practices to lure consumers into paying for credit reports rather than providing an annual free credit report as required by law. 
I attempted to request my free annual credit report from TransUnion ( XXXX ) on XX/XX/year> at approx XXXX EST but was unsuccessful. After submitting all required information the website displays a message that the request is successful and that the report is being generated however, the report never displayed. After XXXX minutes the TU website displays that there is an error " For your security, we ended your browsing session.Your report is no longer available on this site. You can return to annualcreditreport.com to request another TransUnion credit report after 7 days. Alternatively, you can visit our TransUnion XXXX XXXX website opens in a new tab to request a credit report from TransUnion. '' Attempts to reach customer support online were unsuccessful because the hyperlinks do not work. A phone call ( XXXX ) does not present an option to express the issue. 

The links displayed after this message redirects you to XXXX 's website to request a paid credit report and credit monitoring services- https : //annualcreditreport.transunion.com/dss/orderComplete.page A quick online search shows that this seems to be a common pattern with TU when requesting a free annual credit report ; using deceptive practices to lure consumers into paying for credit reports rather than providing an annual free credit report as required by law.

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 2025-02-01 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX a charge appeared on my bank statement for XXXX XXXX XXXX in XXXX XXXX. My bank PNC, verified that it was a card swipe with PIN usage. I never use my PIN. I was not in XXXX that day, or ever. I looked up the merchant and it appears, from a XXXX search, to be a retirement village in Indiana. I have never had contact with this company. Furthermore, my card was used XXXX minutes prior at a grocery store near my home. 

I disputed the charge and it was denied. I contacted PNC on XX/XX/XXXX upon receiving the denial and asked for the proof of the transaction being valid. They would not allow me to speak to someone in the Dispute Department, but said it was valid because the card was swiped and the PIN was used. I reviewed the timeline and the associate re-filed the dispute with the notes showing the card usage XXXX other times that day in PA. He also escalated it to their Customer Support Team. I was told I would get a phone call within XXXX hours. That did not occur. I called several times over the next few days trying to reach XXXX who was assigned to my case. Finally after XXXX days I received a call back from XXXX and we reviewed the activity again. She confirmed the timeline and that usage was impossible based on the geography of the purchase that day with the same card. She added additional notes to the new dispute. on XX/XX/XXXX I received another denial and still not proof of the charge being valid. This charge is only {$30.00}, but I clearly did not make it and would like some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I attempted to make an {$3800.00} ATM cash deposit at pnc bank on XX/XX/year> around XXXX XXXX XXXX  and The atm gave me an error message stating We're sorry. Your bills were not removed in the allotted time, and they have been retracted. 
Please contact your financial institution. I filed a dispute claim with my bank, I also included video and photo evidence of the PNC ATM error I received while attempting to make my {$3800.00} deposit was told I have to wait XXXX business days for them to investigate the issue. I called my bank back on Friday XX/XX/year> and was informed that my claim was denied and closed. Now Im at a lost of {$3800.00}, to be exact it was XXXX x XXXX dollar bill notes & XXXX x XXXX dollar bill notes totaling {$3800.00}. I also included the photos of the PNC Bank ATM error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/year> i requested a credit card from Citi bank. I was accepted and a card was sent. By the middle of XXXX nothing had arrived so i called and asked for a replacement which they obliged. Only problem is i have never received the replacement. I have paid Citi bank {$95.00} to open the card and now they will not even let me have the card. 

Additionally I have tried numerous ways to contact citi bank but i continue to get technical errors when trying to set up an appointment and customer service reps who tell me they can not help.

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 2025-02-01 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 formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Kikoff Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information on my XXXX credit report. I recently obtained a copy of my credit report and noticed the following incorrect items : Account Name : kick off lending Issue : This account is not mine, Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and correct or remove the inaccurate information. I have attached copies of supporting documents ( e.g., payment records, identity theft reports, correspondence with the creditor ) to substantiate my claim. 

Please provide a written response regarding your findings within 30 days, as required by the FCRA. If you determine that the information is correct, I request that you include a detailed explanation of your investigation process and provide proof of verification from the original creditor. 

Additionally, if the disputed information can not be verified, I request its immediate removal from my credit report. Please send me an updated copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation