vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
First I sent a debt validation letter to the debt collector, who I '' m totally unaware of them and did not sign are authorized any of my personal information to be sent to them witch is against the law under 15 usc 1692g. in the letter sent to them I requested a debt assignment and the original contract that i sign from the original creditor. I also requested a payment history and dates from the original creditor. on XX/XX/year> i called and spoke to a XXXX XXXX from Synchrony bank and ask why are the debt collector reporting on my credit report on XXXX account Synchrony XXXX and Synchrony Room to go as past due balance I also told that these XXXX account on my report is showing as charge off as bad debt and profit and loss write off. I also told her i didn't receive a 1099c form the company all of this is inaccurate reporting.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have my wages being garnished about a debt that I know nothing about or ever received any information to dispute. The law firm said they sent out letters and I never responded, I informed them the address they have on file is not or ever was a place where I lived and thats why I had no knowledge of this debt. They got a judgment against me and I knew nothing about this to even attend court or dispute the actions. Financially they are hurting me with the amount there taking out my pay weekly and Im afraid I may loose my home or vehicle or be able to take care of my household expenses. Supposedly this account is going back to XXXX  with an amount of XXXX from a bank I have know dealing with. This debt was passed down to them from another Debt agency that had the account from what I was told..I have no idea who this money is owed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
XXXX XXXX XXXX  Account Reported Late Account Never Late XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint on XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). As highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations i request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation .The accounts as follow XXXX  Account Number XXXX XXXX Reported Balance {$440.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX  ( CLOSED )

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 2025-01-23 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: FL

Complaint narrative:
I am filing a complaint on XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). As highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations i request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation .The accounts as follow XXXX  Account Number XXXX XXXX Reported Balance {$440.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX XXXX ( CLOSED )

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 2025-01-24 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: MI

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees charged to my account. Despite having sufficient funds when transactions were authorized, I was assessed fees due to delays in posting charges and credits. This issue mirrors recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions settled with insufficient funds despite initially available balances. I believe these practices are unfair and request an investigation into the handling of my account transactions that caused my checking account to close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
Despite my previous dispute submissions and Transunions acknowledgment that the account was verified multiple times, they have failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ). The furnisher ( XXXX XXXX ) of this account has not provided a signed contract or any other verifiable documentation to substantiate the debt. As such, your continued reporting of this account is inaccurate and in violation of the FCRA. 

To date, TransUnion has failed to delete this account from my credit report, and their actions have caused significant harm to my creditworthiness, emotional distress, and financial well-being. I have made multiple attempts to resolve this matter, but TransUnions refusal to take corrective action leaves me with no choice but to take further steps to protect my right

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 2025-01-24 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: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-24 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: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make paym
ents A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-23 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: VA

Complaint narrative:
Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Links XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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 2025-01-23 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: VA

Complaint narrative:
Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX Consumer Protection Law 15 U.S.C. 1681-1681X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Date of closing XX/XX/XXXX We can provide the closing statement which clearly will show the error in loan amount. As for the escrow payment, the sale price is XXXX and if you simply use the county total mil rate which should have been used to calculate the estimated tax vs. what the lender, Lennar Mortgage, used is off tremendously. The county total mil rate in XXXX is XXXX which should have been used. 

XXXX / XXXX x XXXX = {$6100.00} This is I believe XXXX guideline to calculate. 

The lender used a number of XXXX. We asked on several phone calls with different individuals, asking how and where this number came from. Our actual tax is {$7000.00}. 

However, the state of Florida has two types of property tax, ad valorem and non-ad valorem. In my development that is very high, {$2000.00}. I have also learned that the county may not use a full assessment, and our current tax bill is using a value XXXX. This helped but by not using the correct information to calculate up front we have a shortage, and it is causing a payment increase of {$800.00}. This is a hardship, and it could have been avoided. I have spoken to several of the neighbors that closed at the same time, and we are all in this same place. 

I can provide the actual county total mil rates found online, copy of the closing disclosure showing this large error, a copy of my tax bill from a second county showing the two tax types, and the escrow analysis showing the impossible increase in payment.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alliance One, Inc.
State: AR

Complaint narrative:
Said company had bought my debt from another company without my consent and has place misinformation about it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I just wrote paragraphs of everything tht has happened to me and is a little better but my XXXX  are XXXX  XXXX in XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I had XXXX XXXX ( emergency ) XXXX XXXX cuz I was XXXX XXXX again frm XXXX much fluid building on my brain a XXXX XXXX was placed but also it had XXXX XXXX XXXX recall on it thts made my life worse including both XXXX. I was declared incompetent & my father was my payee for a while until I started to learn all over & was told I wld never work again. I have had home health agencies since then. I have a state brain waiver but now I'm not declared incompetent they just push for one of my family to be over me. All this is documented can be confirmed & I will now just wait to die. Another one of identity theft recovery just ended again last month. I have been scammed & not understood, I have been told & shown my info was on the Dark Web which I know nothing about except it's a bad place to be. I can barely handle XXXX XXXX XXXX let alone anything past tht. But i.didn do this but if it is still insisted I pay I can't pay more than XXXX XXXX a month due to my income of social security XXXX. U can get or have any document I have to explain my whole condition & I still have XXXX XXXX XXXX  a week XXXX a day.

Company response to consumer: Closed with explanation