vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
I am filing a complaint against EdFinancial Services for failing to move my federal student loans from the SAVE ( Saving on a Valuable Education ) repayment plan to the Income-Based Repayment ( IBR ) plan, despite clear guidance from the U.S. Department of Education stating that borrowers are permitted to make this change upon request. I formally requested this change from EdFinancial on XX/XX/year> and have not received confirmation that my request has been processed. Instead, my loans remain in the SAVE plan, and I have not been provided with a valid reason for the delay or denial. Per the Department of Educations published guidance, servicers have resumed processing applications for IBR, ICR, and PAYE plans. If additional processing time is needed, borrowers should be placed in a processing forbearance that provides IDR and PSLF credit. However, EdFinancial has failed to comply with this guidance and has not moved my loans accordingly. This delay is negatively impacting my repayment plan selection, and I am concerned about the improper handling of my account. I request that EdFinancial immediately process my change from SAVE to IBR as required and ensure that my forbearance status, if necessary, aligns with Department of Education policy. I ask the Consumer Financial Protection Bureau to investigate this issue and ensure that EdFinancial follows the proper procedures for handling borrower requests. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Consumer Rights I am writing to formally dispute the inaccurate information reported on my credit file concerning accounts that have been charged off and subsequently paid through a third-party company. Despite the settlement of these debts, they continue to be reported in a manner that suggests I am still responsible, which is both misleading and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Reporting of Paid Charge-Off Accounts According to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 2 ), 15 U.S. CODE 1681 ( S ) 2, 15 U.S. code 1666, 15 U.S. 1666 ( b ), 15 U.S. code 1692 ( g ), 15 U.S. code1681 ( c ) 2, and 15 U.S.CODE 1681, furnishers of information to credit reporting agencies are obligated to update and correct information that is incomplete or inaccurate. The continued reporting of these accounts as unpaid charge-offs, despite their settlement, constitutes a failure to meet this obligation. This misrepresentation adversely affects my creditworthiness and is a direct violation of federal law. 
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 Improper Reporting of Late Payments Federal law mandates that a late payment can not be reported to the major credit bureaus until it is at least 30 days past due. Reporting a payment as late before this period violates the FCRA. Additionally, the FCRA requires that information furnished to credit reporting agencies be accurate and complete. Reporting a payment as late when it does not meet the definition of inaccurate information under the FCRA. 


3. Failure to Issue Form 1099-C and Continued Collection Efforts The Internal Revenue Service ( IRS ) requires creditors to file Form 1099-C when a debt of {$600.00} or more is canceled. The failure to issue this form, coupled with continued collection efforts or reporting the debt as active, maXXXX constitute a violation of IRS regulations and the FCRA. This practice can be deemed deceptive and unfair, infringing upon my rights as a consumer. 

Legal Precedents In XXXX XXXX  XXXX, the bank was ordered to pay nearly {$28.00} XXXX by the U.S. Consumer Financial Protection Bureau ( CFPB ) for misreporting consumer credit data, including inaccuracies related to delinquencies and account statuses. This case underscores the legal imperative for accurate credit reporting and the consequences of failing to adhere to FCRA requirements. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Consumer Rights I am writing to formally dispute the inaccurate information reported on my credit file concerning accounts that have been charged off and subsequently paid through a third-party company. Despite the settlement of these debts, they continue to be reported in a manner that suggests I am still responsible, which is both misleading and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Reporting of Paid Charge-Off Accounts According to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 2 ), 15 U.S. CODE 1681 ( S ) 2, 15 U.S. code 1666, 15 U.S. 1666 ( b ), 15 U.S. code 1692 ( g ), 15 U.S. code1681 ( c ) 2, and 15 U.S.CODE 1681, furnishers of information to credit reporting agencies are obligated to update and correct information that is incomplete or inaccurate. The continued reporting of these accounts as unpaid charge-offs, despite their settlement, constitutes a failure to meet this obligation. This misrepresentation adversely affects my creditworthiness and is a direct violation of federal law. 
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 Improper Reporting of Late Payments Federal law mandates that a late payment can not be reported to the major credit bureaus until it is at least 30 days past due. Reporting a payment as late before this period violates the FCRA. Additionally, the FCRA requires that information furnished to credit reporting agencies be accurate and complete. Reporting a payment as late when it does not meet the definition of inaccurate information under the FCRA. 


3. Failure to Issue Form 1099-C and Continued Collection Efforts The Internal Revenue Service ( IRS ) requires creditors to file Form 1099-C when a debt of {$600.00} or more is canceled. The failure to issue this form, coupled with continued collection efforts or reporting the debt as active, maXXXX constitute a violation of IRS regulations and the FCRA. This practice can be deemed deceptive and unfair, infringing upon my rights as a consumer. 

Legal Precedents In XXXX XXXX  XXXX, the bank was ordered to pay nearly {$28.00} XXXX by the U.S. Consumer Financial Protection Bureau ( CFPB ) for misreporting consumer credit data, including inaccuracies related to delinquencies and account statuses. This case underscores the legal imperative for accurate credit reporting and the consequences of failing to adhere to FCRA requirements. 
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 2025-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: PR

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX  ) as supporting evidence of my identity theft claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet XXXX XXXX has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I filed a fraud claim on XX/XX/XXXX that was denied in XX/XX/XXXX for no good valid reason. 



My car was stolen from my parking garage at XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXX I wan na say between XXXX and XXXX Im not certain the exact time because I was sleep and unfortunately my building has no cameras in the parking garage. 


My XXXX was also stolen to. 

my purse was in the car with all my personal information and belongings in it including my wallet with my debit cards and credit cards. 

The pin that Us bank mailed out to me was left inside of my vehicle in the dashboard thats how the suspects were able to get my pin. 

And It took the police XXXX hours to come to my house. 

My phone was left in the car. 

I had cash app on my phone with my us bank card linked to it so they were able to send themselves money repeatedly. 

I was just calling in to make sure they marked down all of the right transactions also I had a police report number. 

It was XXXX cash app transactions for XXXX $ each And it was XXXX ATM withdrawals for XXXX $ each. 

This all happened between XX/XX/XXXX - XX/XX/XXXX I have provided a police report and I provided a detectives phone number. 

Also my card was used at the ATM why wasnt the ATM cameras checked? 

I sent a picture of my ID so please check the ATM cameras I am a female that is paraplegic please check the ATM cameras its impossible for me to do these transactions that they are claiming I authorized. 

My claim was denied without good reasoning and I would like it reopened with a different case processor working on it because this feels illegal how my money was stolen and my bank cant even compensate me despite the evidence I have. 

XXXX a XXXX XXXX so I work from home and I have people that XXXX me money for their taxes Despite me providing all of this my claim was still denied and the only thing they said was we were able to determine the transactions was authorized really thats all? 

did they even check the ATM cameras? 

did they contact the detective on the case? 

This was improperly investigated. 

The XXXX processor was also rude on the phone with me and made me feel uncomfortable didnt provide any updates. 

The XXXX processor called me XXXX time in XXXX weeks and I called back over XXXX times after with no answer. 

Only time I spoke with the case processor she told me that she wasnt working the case which confused me then she had an attitude this is biased and I feel violated by my bank.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo froze my account permanently with {$340.00} in my account if my money and refuses to let me withdraw these funds and will not respond to my emails or answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
MY CREDIT HAS BEEN HACKED ANDI HAVE BEEN A VICTIM OF THE DATA BREACH AND THEFT THESE INQUIRIES ARE NOT MINE XXXXXXXX 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

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 2025-02-12 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:
MY CREDIT HAS BEEN HACKED ANDI HAVE BEEN A VICTIM OF THE DATA BREACH AND THEFT THESE INQUIRIES ARE NOT MINE XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I would like to request reconsideration regarding a XXXX late payment reported in XX/XX/XXXX and XX/XX/XXXX on my account with Barclays Bank Delaware XXXX These delays were due to unexpected health issues, which temporarily impacted my ability to make payments on time. 

I have since made sure my account remains in good standing and have set up automatic payments to prevent a similar occurrence in the future. My overall credit history reflects responsible financial behavior and these late payments were isolated incidents. 

For this reason, I contacted Barclays Bank Delaware to request that they consider removing these late payment records as a goodwill adjustment as they do not accurately represent my financial responsibility.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not authorize this inquiry and have had no communication with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Since XX/XX/year>, I have observed a recurring pattern with my Citizens Bank account in which my debit card transactions appear to be manipulated in order to extract and initiate overdraft fees every month. I have noticed that several transactions are listed on dates and times when I did not actually make any transactions. In an effort to resolve these discrepancies, I reached out to Citizens Bank and spoke with XXXX different representatives. 
Unfortunately, contacting customer service hasn't been helpful-one representative hung up on me after I requested to speak with a supervisor. These ongoing issues with my account raise serious concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I am disputing an UNAUTHORIZED ACCOUNT ( XXXX XXXX  XXXX XXXX ) that is being WRONGLY REPORTED on my credit file. At no point did I give WRITTEN AUTHORIZATION for this account to be included, making this a CLEAR VIOLATION of 15 USC 1681b ( 2 ). Reporting an account WITHOUT MY CONSENT is not just XXXX is UNLAWFUL. Furthermore, credit reporting agencies have a XXXX  XXXX  under 15 USC 1681e ( b ) to maintain MAXIMUM POSSIBLE ACCURACY, yet this account REMAINS INCORRECTLY REPORTED despite my disputes. I have already disputed this account, and it SHOULD NOT TAKE MULTIPLE DISPUTES to correct AN OBVIOUS ERROR. Continuing to report an UNAUTHORIZED ACCOUNT without verifying its legitimacy VIOLATES FEDERAL LAW. Under 15 USC 1681i, I have the RIGHT TO DISPUTE INACCURATE INFORMATION, and credit reporting agencies have the LEGAL DUTY to investigate and correct errors IMMEDIATELY. Ignoring these obligations EXPOSES THEM TO LIABILITY under 15 USC 1681n FOR WILLFUL NONCOMPLIANCE and 15 USC 1681o FOR NEGLIGENT NONCOMPLIANCE, with damages of at least {$1000.00} PER VIOLATION, plus ADDITIONAL PUNITIVE DAMAGES if this continues. This INCORRECT REPORTING has already caused UNNECESSARY HARM, including FINANCIAL DAMAGE and NEGATIVE IMPACTS TO MY CREDIT PROFILE. I expect the IMMEDIATE REMOVAL OF THIS ACCOUNT, WRITTEN CONFIRMATION OF THE CORRECTION, and AN UPDATED CREDIT REPORT reflecting these changes. THIS SHOULD NOT REQUIRE ANOTHER DISPUTE. If this issue is NOT RESOLVED IMMEDIATELY, I will ESCALATE THROUGH LEGAL AND REGULATORY CHANNELS to ensure FULL COMPLIANCE with the FAIR CREDIT REPORTING ACT.

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