vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 against 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 XXXX XXXX XXXX, XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I came across some discrepancies in the way accounts are listed on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
Money was taking out my account and i told cash app and they never did anything about it

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a XXXX XXXXXXXX XXXX XXXX and XXXX XXXX personal loan

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: TX

Complaint narrative:
I am filing a complaint against 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 evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's action XXXX also contravene the Consumer 's Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with the XXXX XXXX and provides consumers with the necessary proof of investigation. These are the accounts I mark inaccurate : XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-01-23 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: TX

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account was open was open without my consent, this is identify theft, and has been reported on my credit inaccurately. Please help me with removing from credit. 


Capital One - 3 missed payments Balance {$340.00} Closed Date Open : XX/XX/XXXX Closes XX/XX/XXXX past due 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX 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 - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The debt was reported on my credit report by another company and was paid off now its on my credit report for a higher amount with a different company

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding the closure of my accounts at Chase Bank without a clear explanation or due process. I believe this action has caused undue financial hardship and may not align with fair banking practices. 

All my checking and credit accounts where closed without letting me know why I have been a long-standing customer of Chase Bank for over 10 years, maintaining both personal and business accounts as well as credit card accounts, never even missed a payment on any of my loands. 

Recently, I obtained a loan secured by my home to fund a business I XXXX  in XXXX. Shortly after the loan funds were deposited into my Chase account, I received a letter from Chase informing me that all my accounts, including unrelated personal and business accounts, would be closed. 

Chase has not provided any detailed explanation for this decision, which has disrupted my ability to manage my finances. This includes the closure of credit card accounts and accounts that had no connection to the loan or business in XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, XX/XX/year> a clients that paid and split their rent for an existing lease frauduelently disputed his payment in the amount of {$730.00} each for rent due in XX/XX/year>. I have an active lease with them. And conversations of proof that the rent was paid legitmately. This has left my paypal balance in the negative {$2100.00} and this is money that is actual charges that this customer owes.

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: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc.
State: SC

Complaint narrative:
Account are not being properly investigated on my account I reached out serval times nothing is being done

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Account are not being properly investigated on my account I reached out serval times nothing is being done

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent several letters to credit monitoring companies such as XXXX also Experian they will not remove negative remarks on my credit 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 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Bank has reported late payments on my credit report, some of which are inaccurate or unverifiable. Even if certain payments were late, Santander Banks reporting practices violate federal laws, including XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ( Fair Credit Reporting Act ). 
Santander Bank has failed to demonstrate permissible purpose under the FCRA to report my account details or alleged late payments to the credit bureaus. According to XXXX XXXX XXXX XXXX, creditors must ensure they have proper authorization and follow strict guidelines when sharing consumer data. Failure to prove permissible purpose makes their reporting of late payments unlawful. 
Under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Santander Bank has also failed to investigate and resolve potential billing errors before reporting negative information. I was not properly notified of these alleged delinquencies, nor was I given an opportunity to dispute them before damaging entries were made on my credit report. 
The reported late payments are inaccurate, incomplete, and unverifiable. Santander Bank has not provided documentation to validate these claims and is therefore in direct violation of XXXX XXXX XXXX XXXX, which requires reporting agencies to remove unverified or disputed items within 30 days. 

This negligent and unlawful reporting has caused severe damage to my XXXX XXXX, financial standing, and personal opportunities. Santander Banks failure to follow permissible purpose guidelines and their disregard for my consumer rights under the FCRA.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called and sent in dispute letters to request for my name to be corrected and address on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX. 2024 I spoke with a Chase representative who advised me the lease end date was extended. She provided me with finance options to get into another vehicle. But did not mention the date I am required to return the to avoid repossion and charge off on my credit report. 

Additionally, I was current with the payments until the account was removed from my banking application, ( XXXX XXXX ) and Chase restricted me for making the XXXX payment. I received notice that the vehicle was in default when it was reported to my credit report on XXXX holiday week. XX/XX/year>, I immediately called to get the issue resolved and to advise that I was not aware I needed to bring the car back on a certain day. Additionally, I told the customer service agent that I spoke with XXXX different agents XXXX in XXXX and the other in XX/XX/year>, on the phone and was never provided a date of return, or written notice. The agent was extremely insensitive and advised I should look at my current lease agreement for theses details. I told I don't have access to it, and the was not aware of repossession or charge off, but I will pay the vehicle off or bring it to the dealership when I return to swap it for a new vehicle. 

Once I arrived back home, I went to the dealership to swap and I was denied instantly due to the charge off Chase placed on my credit report. Additionally, they refused to remove it or allow me to swap out the vehicle. The sale man assisting me advised that Chase has a history of placing clients in the position to take full access to the vehicle without leaving the clients an option. 

XXXX XXXX I arrange payment and sent the remaining balance of {$36000.00} directly to Chase XXXX fianance to satisfy the loan. XXXX XXXX I received a letter stating the loan was paid and not further action is required.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent a letter to Letter to XXXX XXXX and XXXX in XXXX and most recently on XX/XX/XXXX in regard to a public record on my consumer reports that XXXX, XXXX and Equifax is reporting. XXXX stated that they verified the account with XXXX XXXX, XXXX XXXX said they used a system called pacer to verify the account. I know my rights as a consumer, and I know that according to XXXX XXXX XXXX these companies have no permissible purpose to report this information on my consumer reports. I contacted PACER and US Bankruptcy courts and they both provided me with a letter stating they DO NOT provide any information to any of these companies. Just because an account is listed on a public website does not mean it is fair and accurate. There's no permissible purpose and the companies are violating my livelihood and my rights as a consumer. These companies are NOT doing an actual investigation. They are not even responding to my letters anymore. I demand these companies remove this information from my consumer reports for unfair practices. My rights have been violated.

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent a letter to Letter to XXXX XXXX and Experian in XXXX and most recently on XX/XX/XXXX in regard to a public record on my consumer reports that Experian, XXXX and XXXX is reporting. Experian stated that they verified the account with XXXX XXXX, XXXX XXXX said they used a system called pacer to verify the account. I know my rights as a consumer, and I know that according to XXXX XXXX XXXX these companies have no permissible purpose to report this information on my consumer reports. I contacted PACER and US Bankruptcy courts and they both provided me with a letter stating they DO NOT provide any information to any of these companies. Just because an account is listed on a public website does not mean it is fair and accurate. There's no permissible purpose and the companies are violating my livelihood and my rights as a consumer. These companies are NOT doing an actual investigation. They are not even responding to my letters anymore. I demand these companies remove this information from my consumer reports for unfair practices. My rights have been violated.

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: CA

Complaint narrative:
The incorrect account with XXXX XXXX XXXX  that starts with XXXX has not been changed and will remain on your credit report. 

Source : XXXX Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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