vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Peritus Portfolio Services II, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I did another complaint with Peritus Portfolio Services about the update on my vehicle sale because my car was repo on XX/XX/XXXX due to the lender not properly notifying me that my service was transffered to another company. My car was suppose to be sold on XX/XX/XXXX I did a follow up about the vehicle and was told that the car didnt sell. From the complaint response on XX/XX/XXXX Peritus reply back saying my car was sold on XX/XX/XXXX. I did some research On CFPB website and it states that the lender have to provide me update auction date for the vehicle to give me a chance to buy back the vehicle. But that didnt happen. I been putting complaints with this company since XX/XX/XXXX when my car was repo. I requested several times from the company the transfer of service letter, orignial contract, payment history, and the court order document showing Peritus is legally entitled to collect on my loan. Only thing I got from there is a bill collector letter which is not the same as the transfer of service letter. XXXX XXXX XXXX is out of business so I cant get any verification from my lender about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name 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

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 2025-01-26 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: TX

Complaint narrative:
I'm writing to formally file a complaint regarding multiple overdraft fees applied towards my account. These fees were assessed despite having sufficient funds available at the times my transactions were authorized. However due to delayed posting of charges and credits, I wasn't fairly charged overdraft fees. 
This issue appears consistent with the CFPB, which identifies 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 and would like to rectify this issue expeditiously thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: WA

Complaint narrative:
This letter constitutes a formal dispute of inaccurate and unverifiable information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that you maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following accounts are disputed : * XXXX, Account Number : XXXX ... ** * XXXX XXXX XXXX XXXX Account Number : XXXX ... ** * XXXX XXXX XXXX, Account Number : XXXX ... ** I contend that these accounts are either not mine, contain inaccurate information, or lack proper verification. I request immediate investigation into these accounts and demand that you provide verifiable proof of their validity.

As defined by 15 USC 1681a ( 5 ) ( a ), " credit '' is " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' I have no recollection of entering into any such agreements related to the disputed accounts. Therefore, their presence on my credit report is inaccurate and damaging. I am requesting the following actions : 1. **Complete Investigation : **
Conduct a thorough investigation into the disputed accounts.

2. **Verification of Debt : ** Provide me with complete and verifiable documentation proving the validity of these accounts, including original signed contracts, account statements, and any other relevant records.

3. **Immediate Deletion : ** If you can not provide sufficient verification within 30 days, I demand the immediate deletion of these accounts from my credit report.

**Notice of Legal Action : ** Please be advised that if these inaccuracies are not corrected within 30 days of the date of this letter, I will pursue legal action to protect my rights under the FCRA. I will seek damages for each inaccurate item, including but not limited to {$1000.00} per violation, as well as attorney fees and court costs. I have retained legal counsel to assist me in this matter. 

I expect your prompt attention to this serious matter. Please send all correspondence and documentation to the address listed above.

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 2025-01-26 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: WA

Complaint narrative:
This letter constitutes a formal dispute of inaccurate and unverifiable information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that you maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following accounts are disputed : * XXXX, Account Number : XXXX ... ** * XXXX XXXX XXXX XXXX Account Number : XXXX ... ** * XXXX XXXX XXXX, Account Number : XXXX ... ** I contend that these accounts are either not mine, contain inaccurate information, or lack proper verification. I request immediate investigation into these accounts and demand that you provide verifiable proof of their validity. 

As defined by 15 USC 1681a ( 5 ) ( a ), " credit '' is " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' I have no recollection of entering into any such agreements related to the disputed accounts. Therefore, their presence on my credit report is inaccurate and damaging.

I am requesting the following actions : 1. **Complete Investigation : ** Conduct a thorough investigation into the disputed accounts.

2. **Verification of Debt : ** Provide me with complete and verifiable documentation proving the validity of these accounts, including original signed contracts, account statements, and any other relevant records.

3. **Immediate Deletion : ** If you can not provide sufficient verification within 30 days, I demand the immediate deletion of these accounts from my credit report.

**Notice of Legal Action : ** Please be advised that if these inaccuracies are not corrected within 30 days of the date of this letter, I will pursue legal action to protect my rights under the FCRA. I will seek damages for each inaccurate item, including but not limited to {$1000.00} per violation, as well as attorney fees and court costs. I have retained legal counsel to assist me in this matter. 

I expect your prompt attention to this serious matter. Please send all correspondence and documentation to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I have asked to get written proof of debt, delete my collection account that has been paid/ closed to be removed/ I have asked to have inquiry not mine or I have no affiliation/open credit with them removed. I have paid/closed accounts over 5 years in report. I have asked multiple times to delete or rwmove

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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im Victim of identity theft and fraudulent use of my credit card. I was issued payment from Unemployment which I did not receive the funds and my card was used for unauthorized transactions not made by me, I have been fight for the past 2 years I have submitted police report, proof of address at the time of incident and 10 written explanations for reconsideration claim review. I need this escalated this has put me in severe financial hardship. In requesting that my claim be approved and my funds be returned immediately.

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 2025-01-26 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: SC

Complaint narrative:
Equifax has failed to fulfill it's 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 XXXX, 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 Equifax 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 Equifax inaction violates federal law and my rights as a consumer. 
These are the accounts that's inaccurate XXXX XXXX XXXX, Account Number : XXXX Amount : {$610.00} and XXXX XXXX XXXX, Account Number : XXXX Amount : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: WA

Complaint narrative:
This letter constitutes a formal dispute of inaccurate and unverifiable information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that you maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following accounts are disputed : * XXXX, Account Number : XXXX ... ** * XXXX XXXX XXXX XXXX Account Number : XXXX ... ** * XXXX XXXX XXXX, Account Number : XXXX ... ** I contend that these accounts are either not mine, contain inaccurate information, or lack proper verification. I request immediate investigation into these accounts and demand that you provide verifiable proof of their validity. 

As defined by 15 USC 1681a ( 5 ) ( a ), " credit '' is " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' I have no recollection of entering into any such agreements related to the disputed accounts. Therefore, their presence on my credit report is inaccurate and damaging.

I am requesting the following actions : 1. **Complete Investigation : ** Conduct a thorough investigation into the disputed accounts.

2. **Verification of Debt : ** Provide me with complete and verifiable documentation proving the validity of these accounts, including orig
inal signed contracts, account statements, and any other relevant records.

3. **Immediate Deletion : ** If you can not provide sufficient verification within 30 days, I demand the immediate deletion of these accounts from my credit report.

**Notice of Legal Action : ** Please be advised that if these inaccuracies are not corrected within 30 days of the date of this letter, I will pursue legal action to protect my rights under the FCRA. I will seek damages for each inaccurate item, including but not limited to {$1000.00} per violation, as well as attorney fees and court costs. I have retained legal counsel to assist me in this matter. 

I expect your prompt attention to this serious matter. Please send all correspondence and documentation to the address listed above.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
This loan has been paid with cash at the Advance America XXXX XXXX XXXX XXXX XXXX, Kansas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-01-26 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:
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. 

XXXX XXXX XXXX  XXXX XXXX : # XXXX, XXXX ( CLOSED ) : # XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) : # XXXX, XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA ) XXXX ( CLOSED ) : XXXX has violated my rights.

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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Date Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Account Number XXXX Dear XXXX XXXX XXXX, I am writing to formally file a complaint regarding an issue with account number XXXX from a previous complaint I submitted. Despite my efforts to resolve this matter directly with the creditor, the negative information associated with this account remains on my credit report, causing significant harm to my creditworthiness. 

The account in question has been closed, and I believe the reporting of negative marks related to it is inaccurate and/or unjustified. I have attempted to address this matter with the creditor, but I have not received a satisfactory resolution. Therefore, I am requesting that the CFPB assist in ensuring the removal of these negative items from my credit report.

I believe this issue violates my rights under the Fair Credit Reporting Act ( FCRA ) and may involve inaccurate, incomplete, or outdated information being reported. I respectfully request the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my financial history.

Enclosed with this letter are the following supporting documents for your review : 1. A copy of my credit report showing the negative items associated with this account.

2. Correspondence with the creditor regarding my request for resolution.

3. Any other relevant documentation related to this account.

Please let me know if additional information or documentation is required to expedite this process. I can be reached at XXXX or XXXX if needed. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report Relevant correspondence Supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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 2025-01-26 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: NY

Complaint narrative:
1 ) Theres inaccuracy data on my credit report theres a collection from XXXX XXXX XXXX for {$120.00} that I dont have no knowledge of. XXXX XXXX XXXX XXXX XXXX is reporting this debt as well that dont belongs to me. Original Amount Owed. Ive never rented or lease with this company or had any agreements.

It says original amount {$110.00} and now is {$120.00}? 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification RENTAL_OR_LEASING I need this account deleted from my file. 

2 ) XXXX  XXXX account charged off {$870.00} ; this account was closed and charged off and I never received a 1099c or validation letter. This account needs to be remove immediately. Account # XXXX XXXX ) XXXX # XXXX is showing charged off account but {$0.00} balance this needs to be off my credit report as well for incorrect reporting. 

4 ) XXXX XXXX # XXXX charged off for {$160.00} no knowledge of this account incorrect reporting no validation letter if 1099c.

Please investigate these accounts and delete from my credit file. 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 non-monetary relief
Consumer complaint received 2025-01-26 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:
1 ) Theres inaccuracy data on my credit report theres a collection from XXXX XXXX XXXX for {$120.00} that I dont have no knowledge of. XXXX XXXX XXXX XXXX XXXX is reporting this debt as well that dont belongs to me. Original Amount Owed. Ive never rented or lease with this company or had any agreements.

It says original amount {$110.00} and now is {$120.00}? 
Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING I need this account deleted from my file. 

2 ) XXXX  XXXX account charged off {$870.00} ; this account was closed and charged off and I never received a 1099c or validation letter. This account needs to be remove immediately. Account # XXXX XXXX ) XXXX # XXXX is showing charged off account but {$0.00} balance this needs to be off my credit report as well for incorrect reporting. 

4 ) XXXX XXXX # XXXX charged off for {$160.00} no knowledge of this account incorrect reporting no validation letter if 1099c.

Please investigate these accounts and delete from my credit file. Thank you

Company response to consumer: Closed with non-monetary relief