vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XXXX XXXX  sent a payment of {$50.00} to XXXX XXXX. I did not authorize that payment. I don't know that person. I have attached screenshot of my XXXX.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> Cash App negative my account for {$27.00} at XXXX for XXXX XXXX pizza I had already purchased for {$28.00} at XXXX. Not only did they negative my account but they also took the {$4.00} my daughter send me Thursday!? " Ive never been able to overdraft " Why would my money just vanish??? Where did it go and i want it back due to unprofessionalism

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America authorized a debt collection agency to offset {$3900.00} from my business checking account without authorization. Bank of America illegally, without a court order, stole funds to pay a debt. When I spoke with Bank of America, they transferred me from person to person without explaining. When I was finally assigned to their " collection agency, '' XXXX XXXX told me that by signing the credit card agreement, I was giving Bank Of America power of attorney to do whatever they pleased with my accounts. In XXXX, I tried to connect with their credit department to either settle or come up with a payment plan for those credit cards, but their customer service said, and I quote... if you don't pay us in full, there is nothing we can do to help you. So, they decided to violate my privacy, break into my checking account, and offset a payment without my permission or a court order.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

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: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello- my son was in an accident on XX/XX/XXXX. The vehicle was deemed a total lost and the finance company XXXX Regional Acceptance Corporation ) was issued a payment for the total loss on XX/XX/XXXX. There was a remaining balance and the XXXX claim was initiated. Regional informed me, initially that they would be starting the claim. I followed up weeks later to learn they had not and sent documents to the XXXX company. I sent documents only once. I made numerous calls to regional from XX/XX/XXXX- XX/XX/XXXX to inquire of the status. I continued to receive calls demanding payment. I did not understand why I would receive calls when there was XXXX  coverage. I requested for Regional to not call me to harass and demand payment. A printed out line by line statement shows that Regional continued to charge interest and late fees on this account. Regional then charged the account off on XX/XX/XXXX. They received the XXXX payment on XX/XX/XXXX and continue to insist that I pay the interest and late fees accrued. I have asked that they be fair about this. In total Regional received {$19000.00} for the vehicle. The accident was no fault of their customer ( my son and I ), yet, they have negatively reported us to the credit bureaus for late fees and interest they have charged. I ask that this be looked in to and resolved for fairness to the consumer. Thank you.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have never lived at these addresses or work for these companies

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: 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: FL

Complaint narrative:
Im reaching out because this account XXXX XXXX XXXX with number XXXX is showing up wrong on my credit report as CollectionOrChargeOff, and its really holding me back. You mentioned that this account was opened on XXXX, had a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I demand that you delete this account immediately. This inaccurate report is seriously affecting my ability to reach my financial goals, such as securing a loan or refinancing my mortgage. Under 15 U.S.C. 1681i, I have the right to request the methods and documentation used to verify this information. Additionally, I want you provide me with proof that I owe the {$1500.00}, as I am certain I do not owe this amount. 
Cases like Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) demonstrate that credit bureaus have a legal obligation to conduct thorough investigations. Please handle this matter promptly. 

Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.

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: 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: OH

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with non-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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: GA

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 Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX 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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX 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 non-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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been a victim of identity theft an trying to remove these fraud accounts from my report and the credit reporting agencies keep reporting it! Their response is because a payment was made on the fraud accounts. Im ready to take this legally

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed ch 7 bankruptcy in XXXX, XXXX in XX/XX/XXXX. I have repeatedly disputed the tradeline with XXXX XXXX XXXX XXXX as they should no longer be listed on my report after my bankruptcy discharged. The credit bureaus have failed to properly investIgate this matter and continue to allow the reporting. This is damaging my credit and hindering me from obtaining a mortgage or a new line of credit. Its causing unnecessary stress and wasting hours of my time having to keep following up. I demand this tradeline be removed from my credit immediately or my next step will be legal action against both XXXX XXXX XXXX XXXX and the credit bureaus. A creditor can not report a tradeline after a XXXX Chapter 7 bankruptcy as it is illegal for them to do so ; once a debt is discharged in bankruptcy, the creditor is prohibited from reporting any negative information about that debt on your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: VA

Complaint narrative:
I filed ch XXXX bankruptcy in XXXX, XXXX in XX/XX/XXXX. I have repeatedly disputed the tradeline with XXXX XXXX XXXX XXXX as they should no longer be listed on my report after my bankruptcy discharged. The credit bureaus have failed to properly investIgate this matter and continue to allow the reporting. This is damaging my credit and hindering me from obtaining a mortgage or a new line of credit. Its causing unnecessary stress and wasting hours of my time having to keep following up. I demand this tradeline be removed from my credit immediately or my next step will be legal action against both XXXX XXXX XXXX XXXX and the credit bureaus. A creditor can not report a tradeline after a discharged Chapter 7 bankruptcy as it is illegal for them to do so ; once a debt is discharged in bankruptcy, the creditor is prohibited from reporting any negative information about that debt on your credit report.

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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In trying to apply for a mortgage refinance, I learned that Equifax does not provide my credit report to consumers anymore. Not sure why, but they stopped. I then went online to see if I could get into my account and was stopped immediately and informed, I needed to call. Upon calling, Equifax had me provide information to identify who I was through a secure link. I provided my passport through the secure link, and then the representative validated other information on the phone, SS # to ensure my identity. The representative identified that I had not applied for credit in the past several years and that is why they needed to determine my correct information. This is incorrect as I have. The representative then informed me if I wanted to access my account online that I would need to send the documents through the mail. Confused, I stated I just provided you this information through a secure link ( including a current photo which I had to take with my phone ) why would I send it through the mail and risk my information being lost or stolen and being exposed to fraud? I am reporting this as I believe this practice is exposing people to possible information being stolen. I inquired if I could provide it through a secure link, as I just did, and the representative said they only allow that if you have an account. So, I am unable to gain access to my credit report as well as creditors ( I am trying to purchase a home ) unless I send them my social security card and driver 's license through the mail ( not through the secure link ) they will not release my credit report. I think this contributes to individuals ' information being stolen and fraud happening.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute Request Concerning Hard Inquiries Related to Identity Theft To Whom It May Concern, I am writing to formally dispute the refusal of Equifax Credit Reporting Agency to remove hard inquiries from my credit report that are a direct result of identity theft. I have provided them with my Federal Trade Commission ( FTC ) report as proof of the identity theft, which has been substantiated by multiple data breaches, including one involving Equifax itself. 

Background Information : On XX/XX/year>, I discovered that my personal information had been compromised due to identity theft. Following this discovery, I filed a report with the FTC and received an official document confirming the fraudulent activity associated with my identity. This report serves as evidence that the inquiries in question were not authorized by me and are therefore inaccurate representations on my credit file. 

Despite providing this documentation, Equifax has responded stating that inquiries are a factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry. This response is unacceptable and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute inaccuracies in their credit reports. 

Legal Basis for Dispute : According to Section 605 ( a ) of the FCRA, any information that is found to be inaccurate or can not be verified must be removed from a consumers credit report. The inquiries made without my consent due to identity theft fall under this category. Furthermore, Section 609 ( e ) allows consumers who have been victims of identity theft to request that fraudulent information be removed from their credit reports.

Equifaxs refusal to act upon my FTC report and remove these inquiries not only undermines my rights as a consumer but also perpetuates harm by negatively impacting my credit score and ability to secure loans or other financial products. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

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: Managing an account — Problem accessing account
Company: Block, Inc.
State: MA

Complaint narrative:
I found out that my information SS number address was online upon finding out that all my information was stolen cash app out of nowhere close my account why my account was closed I still have not received that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened an Everbank XXXX XXXX account in XX/XX/year>. I recently found out that they lowered my interest rate and offer a new, higher interest rate to new customers under the same product name. While I know that my account is a variable rate account, nowhere in the disclosures did they inform me that this would be a promotional rate. This is a plain and simple violation of UDAAP, and they need to be held accountable for their unscrupulous business practices. Ill be pulling my money immediately from this institution and suggest the CFPB consider enforcement action.

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 caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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