vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, {$250.00} in overdraft fees has been taken out of my already negative account by Regions rather than return payments that they made on my behalf for bills that caused me to go into the negative ( had a death occur on XX/XX/year> where I had to pay a large sum to get them XXXX so it was the last thing on my mind to cancel my upcoming automatic payments to come out of my account ). 

Additionally, I had an open case with Regions regarding a business not refunding me nor responding to requests for said refund ( granted it was only for {$70.00} but it could have covered some of the negative items appearing on my account ). I also had a credit of {$120.00} for plans I had this Saturday that I canceled due to the above death. So I should have had {$190.00} to cover some of my negative 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 2025-03-14 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-14 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I requested an accounting of the alleged debt multiple times under RESPA, UCC 9-210, its state law equivalent, TILA ( 15 U.S.C. 1639 ), and FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), but the lender refused to provide it, violating federal and state law, GAAP, and their duty of good faith, while failing to prove consideration which is mandatory in contract law meaning they can not legally collect, report the account, or enforce a security interest while the account remains in dispute and unverified and i have explained that to them and they are refusing to comply.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-14 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: PA

Complaint narrative:
This is my 5th dispute you claim the late payment was accurate but u still have not provided accurate information u updated the inaccuracies in my last dispute but there still have all wrong and incomplete and inconsistent dates across the report please reverse the account to paid as never late or delete from my file or I will be suing u in court this is the screen shot of inaccuracies u still have on there after u updated it XXXX every thing must be accurate or deleted from my file or corrected please delete late payment accout name XXXX account number XXXX Also after any reinvestagation any inaccuracies must be deleted so. Please delete the late payment this is the 5th dispute

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
I would like to formally request a comprehensive review of my student loan records due to potential violations of the Family Educational Rights and Privacy Act ( FERPA ) that may have impacted my loan eligibility and terms. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies and potential misuse of my educational information, including but not limited to my personal and financial information being compromised without my authorization. These violations have had a significant effect on my financial obligations and the management of my student loan debt.

In accordance with FERPA regulations and applicable consumer protection laws, I am requesting the following actions : A full review of my student loan records to identify and correct any errors or unauthorized actions. 
A complete copy of my student loan file, including all related communications, disbursement records, and account adjustments. 
Immediate cancellation and full discharge of my student loan debt as a remedial measure for the breach of my data privacy rights.

I expect a prompt response outlining the steps you will take to investigate and resolve this matter. If I do not receive a satisfactory response, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

Please confirm receipt of this letter and provide a timeline for addressing my concerns.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBILIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE OR UNVERIFIABLE ACCOUNT UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO NOTIFY CONSUMERS OF DISPUTE OUTCOMES ADEQUATELY. 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 EXPERIANS ' 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 2025-03-14 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-14 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: MO

Complaint narrative:
Equifax & TransUnion 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. Equifax & TransUnion 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 & TransUnion inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments ) be updated to paid bossamccording to these U.S. In addition my balance and last payments are not reported correctly.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments ) be updated to paid bossamccording to these U.S. In addition my balance and last payments are not reported correctly.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments ) be updated to paid bossamccording to these U.S. In addition my balance and last payments are not reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Our property loan was refyed to JP Morgan Chase again in XXXX 2018. 
We had refyed originally with Chase just years after we acquired the loan with XXXX XXXX. Verbally, our loan with Chase was to mimic the loan with XXXX. It did not. Chase put a balloon payment on the property. I will take credit for this as I did not read all of the documents. I just trusted my banker that the terms would remain the same. 
We renewed the loan again. XXXX years later, it is time to renew again. Our banker was on paternity leave and missed contacting us at the XXXX months out mark. He waited until just days before the loan was due. He assured me that it was ok, we would get it renewed and to make payments as usual. I did. 
Just days after making my XXXX payment on time as usual, JP Chase called the loan. It was in excess of {$320000.00}. owed. I was caught off guard. I guess I just trusted my banker to help me with this. If that is not bad enough, Chase wanted an appraisal of the property to give me a 90 day note to secure a refy thru another bank. I did not want to pay the thousands of dollars to do that, so they gave me until the end of XXXX to pay it off. That gave me XXXX days to find a bank to refy. XXXX day later, my banker informed me that I needed to pay if off by the XXXX to avoid fees. Now I am down to 17 days. NO ONE can refy in that time frame. I asked for a payoff, did not receive that. I short paid it, based on what my online profile said I owed. Then JP Morgan Chase slapped a {$250.00} late fee for not paying if off by XXXX XXXX. I asked for grace to waive that under the circumstances. But they would not. I am not one to complain but I find this just devastating because we had to liquid our retirement investments to pay the loan. In talking with other banks, they feel that it was called because me interest rate was pretty low. Chase said it was because it was an investment property. My husband and I are out here XXXX hours a week running XXXX companies. I know that a big bank like Chase could care less, but others should know this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-14 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: NJ

Complaint narrative:
I am disputing the inaccurate addresses on my credit report. My accurate address is XXXX XXXX XXXX, XXXX, NJ XXXX, and not XXXX XXXX XXXX XXXX XXXX, NJ XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX -these addresses are not mine. My correct employer is XXXX XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX. These errors must be corrected and updated to their record and ensure compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. TransUnion 's failure to correct these inaccuracies constitutes negligent non-compliance under FCRA 15 U.S.C. 1681o and willful non-compliance under FCRA 1681n. These errors have negatively impacted my credit prole and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and employer information to reect accurate records.

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 2025-03-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
Subject : Appeal for Restoration of Full Account Features- XXXX Dear Cash App Support, I am writing to appeal the restriction of my Cash App account, XXXX XXXX which I understand was placed due to a violation of the Terms of Service related to disputed transactions. I received the notification of these restrictions on XX/XX/year>, at XXXX XXXX 
In response to your request for information : * I generally use my Cash App account for : School-related expenses and general personal purchases. 
* Additional context about my account activity : I recently disputed several charges for products I purchased from online merchants that I never received. I understand that Cash App believes I violated their Terms of Service by continuously disputing these transactions. However, I only disputed charges for legitimate cases where I did not receive the goods I paid for. 
* The best email address to reach me is : XXXX I have reviewed the Cash App Terms of Service, specifically the sections related to dispute resolution. I understand that excessive disputes can be flagged as a violation. However, I want to emphasize that all of my disputes were genuine and based on actual instances where I did not receive the products I ordered. 
I respectfully request the restoration of all features of my Cash App account, including the Cash App Card. I rely on Cash App for school-related expenses and daily purchases, and the restrictions are significantly impacting my ability to manage my finances. I am committed to using Cash App responsibly and in accordance with your Terms of Service in the future. I am also willing to provide any additional documentation or information to support my claims regarding the disputed transactions. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief