vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX {$1200.00} These collections are the results of identity theft and fraud.

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 2024-12-29 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:
With the attached screenshots you will see detailed messages and also the emails that were sent to me stating that I have a overdraft fee or there is a communication in the portal which also led me to view the overdraft documents. 

I called 3 times and was successful at getting 1 overdraft fee removed from my account and they advised that there was nothing else they could do about the others. 

All of my funds come through NFCU so I didn't understand why I could only get 1 removed when I know my account has overdraft coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
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 Experian 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  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


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 explanation
Consumer complaint received 2024-12-29 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: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
My Ford credit card through XXXX XXXX XXXX Credit card company was " LOCKED '', which was fraudulently used for a online purchase I did not make on XX/XX/year> to XXXX XXXX  reference on statement XXXX. Ford company credit card does not answer the fraud customer service line and also no way to report fraud on their website, so I emailed them directly. It was my understanding the Ford dealership XXXX was in a data breach, and this is part of it. I never received any documentation form Ford. This was just heard through the Ford dealership. I would like explanation from Ford on why this happened and to remove the XXXX charge on my credit card that was LOCKED!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my credit report at Experian and noticed that my name is not reported on account # XXXXXXXX XXXX XXXX I also noticed this account does not have a original or highest balance displayed, nor does this account display any payment history from XX/XX/XXXX to XX/XX/XXXX these matters are questions for concern with the CFPB and a violation of my rights under the FCRA.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC
State: MD

Complaint narrative:
XXXX XXXX is reporting an old debt that was resolved with the original creditor. They have filed litigation cases as a means to contact me. I contacted XXXX in XXXX and was advised that the debt was no longer active in their system. 

XXXX XXXX is reporting the exact debt from Pay tomorrow. Both companies are reporting the same debt. I reached out to XXXX XXXX to dispute because the original creditor is still reporting the outstanding balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hello I need your immediate help because XXXX XXXXXXXX XXXX XXXXXXXX is proceeding with the Forclosure process while they are supposed to be considering me for the XXXX XXXX under the presence of Financial Counseling for Mortgage Forclosure. They are not properly communicate between departments and my XXXX  XXXX XXXX and are delaying my approval and working at a glacier pace. I need your help to ensure that I can keep my home!! 

I have spoken with the servicer, and they have confirmed you are still on Foreclosure hold. 



Here are notes about being in contact with your servicer. 



They initially denied you for all loss mitigation options under the new XXXX  waterfall implemented by servicer of XX/XX/XXXX. I had them send over reason for denial on all loss mitigation. They stated the reason you were denied for XXXX is due to less than XXXX payments since origination. After review of your case, they miscalculated the payments made applying the Partial claim awarded in XXXX to the payments, when those were used to bring your loan current in XXXX. Due to this they miscalculated the months of payments in origination. I brought this to your servicers attention XX/XX/XXXX, stating to review for the XXXX XXXX  again since you have in fact made XXXX payments since last origination of loan. I was told XX/XX/XXXX that the information was given to the group that processes the XXXX cases. I followed up beginning of XXXX through a phone call where they stated they did not have a response from the team and then followed up again by email XX/XX/XXXX asking if they had an update on the case as well. After my phone call again today XX/XX/XXXX the servicer had stating they are pushing it for review, but no movement on the file has started now stating that it should start the review early next year. After the call they did send a follow up email stating that they are following up to see when the review will actually start and attached the letter and explained that the foreclosure is still on hold and letter given was for some sort of counseling. I did inquire more information about the letter and why it was sent and why counseling was needed based off you already being provided counseling on how to avoid XXXX and we are just waiting on them to process the loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my credit report From Experian as of XX/XX/year> and noticed non of the accounts that i recently disputed have been showing that they are under dispute, and further any investigation that has ensued or completed, the agency herein failed to notify me of such results in a clear and legal way in accordance with the laws of the FCRA section 611 ( c ) and 15 USC 1681.

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 2024-12-29 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: OH

Complaint narrative:
There was a data breach with Equifax where my social security number, birth date, addresses, and driver 's license number was exposed. 

I contacted Equifax on XX/XX/year> by the websiteXXXX XXXX XXXXequifaxXXXX  and entered my information. It was confirmed that I was indeed affected by the breach. Unfortunately I am too late to file a claim. The deadline was XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
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  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I recently submitted a request for investigation of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


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 2024-12-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 


I recently submitted a request for investigation of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I visited a spa/gym called XXXX XXXX XXXX XXXX I purchased a ( 3 ) membership for XXXX. The services that I was promised by the the person that signed me up ( XXXX ) were not provided. I made numerous complaints to him and the staff. I finally asked for my money back and refused to reenter the Facility. 
I provided proof of all of this : 1. Photos of the door being locked to the spa XXXX. Photos of my complaints to XXXX and him appolzing 3. Proof of requesting a return of my payment 4. Photos of XXXX trying to bribe me with a free membership to drop my dispute. 
What do I need to do. I have all the proof in the complaint. Chase credit services is faciliting extortion.

I even tried a compromise to charged we for the week I was there ( but didn't receive the services ) and was still got denied my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXXXXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I got a check for {$4500.00} from a rental company for my rental deposit funds return on XX/XX/year> and I deposited the check into my CITI BANK account on XX/XX/year>, it was verified by the bank as a legit payment after 5 business days and gave me the access to the funds for the check, but after two months they have deducted the check amount from my account without my knowledge, I am not sure how a cashier check can be returned after 2 months, as i deposited the check through citi online banking and i was told to destroy the check after 2 weeks of deposit, therefore, i threw away the physical check and i do not have any physical copy of the check to recover my funds. Now my citi bank account is in negative status. Citi bank must recover the funds from the check, as i deposited the check to them and they never informed me any issues with the check for 2 months.

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 2024-12-29 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: MO

Complaint narrative:
Can not recall all date but there has been times Ive had money for something, spent it and it didnt take it out but I end up getting hit with a fee later knowing I had the money. Navy federal has recently been sued for this and I was trying to find out if Im eligible for compensation from them. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Account : XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following ALLEGED collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$300.00}. This is a violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Sir/Madam, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information.

The specific item ( s ) in question are : Portfolio Recover Account # XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation