vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The XXXX account on there is a overdraft protection account my XXXX account been closed since the data breach my card no longer works meaning I can't have a credit account getting marked late if I don't have an existing XXXX account anymore it need to be removed my debit card as a credit card the debit card is 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX account on there is a overdraft protection account my XXXX account been closed since the data breach my card no longer works meaning I can't have a credit account getting marked late if I don't have an existing XXXX account anymore it need to be removed my debit card as a credit card the debit card is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have an account with Navy Federal that I have been trying to access for about XXXX  years. My sister reposted her check into my Navy Federal account. It was a legit check with legit money on it. The checked cleared and I purchased some hair from a vendor and then navy federal closed my account. I have not been able to get help with this since then. I still have the Navy Federal card. I still receive emails directing me to log in but I am blocked out. I have been to several branches that say that they can not help me but they see where the check was deposited and cleared. I have only been reaching the run around about this matter. I have proof that she needed to use my account to deposit the check because she did not have an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Depositing {$180.00} back into my joint account. 
XXXX withdrew these funds from my account and I never owed TD bank any funds for any opened accounts or previously closed account. The branch needs to be under further investigation to figure out who is doing what to my account. I am requesting for the branch to look up team members employee # 's and backoffice employees # and last but not least tellers, personal bankers and branch managers from the XXXX XXXX  XXXX. This is the second time they deducted funds from my account and it's unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
During summer of XXXX, Bank of America had a promo deal for people who signed up for their travel credit card. The promo was that if you spent XXXX dollars within the first 90 days, you would receive a XXXX dollar cash back bonus. I signed up in XX/XX/XXXX, and when I spent the XXXX dollars, the XXXX dollar cash back was soon added to my account. I didn't spend the XXXX dollars because I was not yet sure how I wanted to receive it or redeem it. I'm not sure when the bonus disappeared from my account, but when I checked recently in XXXX of XXXX, it was gone. It said I have XXXX dollar in reward points, so I redeemed that on XX/XX/XXXX, and I should be receiving the check in a few weeks. When I was able to contact a Bank of America representative on XX/XX/XXXX, he had to research the promo deal, but said that the deal was XXXX reward points not cash back. The points may be true, but when I try to find this deal again online on the Bank of America website, I can find a deal for my card that states " XXXX online bonus points offer ( a {$250.00} value ) ''. I am attaching a screenshot below. I am not sure if this was misleading advertising, but even if it was just XXXX bonus points, I believe that I should still be receiving XXXX dollars cash back, as this is what the site states is the equivalent of XXXX points.

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 monetary relief
Consumer complaint received 2025-01-07 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: VA

Complaint narrative:
I have asked to validate the reports on multiple file from the original creditor and asked that they remove it because I didn't give 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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year> I sent this company a letter requesting they validate that Im am the actual owner of this debt via a contract with my signature. This company failed to respond then once I reported with your bureau they replied with a stall letter and no proof that this account belongs to me.

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 2025-01-07 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-07 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-07 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:
1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 
US 15 USC 6802 US 1692 XXXX had a data breach and my information was leaked. 

XXXX XXXX XXXX XXXX XXXXXXXX NEEDS TO BE REMOVED FROM EQUALFAX AND XXXX UPDATED ON XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Regarding Charge-Off and Missing Form 1099-C Dear CFPB, I am writing to formally file a dispute related to a charge-off on my credit report and the absence of a Form 1099-C for the charged-off debt. The account in question is with and is identified by the Capital One Auto Finance Account XXXX XXXX Despite the account being charged off on XX/XX/year>, I have not received a Form 1099-C indicating that this debt has been canceled. According to IRS regulations, a creditor is required to issue a 1099-C if they forgive or cancel a debt of {$600.00} or more. The lack of this documentation has left me uncertain about my tax liabilities and my rights regarding this account. Additionally, I would like to express my concerns regarding the accuracy of the charge-off itself. The account was charged off XXXX of XXXX  as it appears on my Consumer Reports it shows that Capital One and all XXXX reporting agencies have been reporting it every month after the actual charge off date the account can only be charged off once, and have failed to provide the necessary information required. I kindly request your assistance in resolving this matter by investigating the following : 1. The absence of the Form 1099-C for the canceled debt. 2. The accuracy of the charge-off information reported by Capital One Auto Finance . I am also aware of the FCRA violation of 1681 ( e ) ( b ) Accuracy of Report.

I appreciate your attention to this important matter and look forward to your prompt response. 
Thank you for your help in ensuring that my rights are protected. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-07 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: MS

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

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 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
They charge the full amount of interest on this loan which was XXXX with principal for XXXX  months scheduled but I paid it off in XXXX  months and they still charge me the full amount of interest it should have been XXXX they owe me a refund or you do of 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 2025-01-07 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the continued reporting of XXXX XXXX XXXX accounts ( XXXX XXXX XXXX and XXXX ) on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the terms of a pay-to-delete agreement. The first account in question XXXX was opened in 2015 and, per FCRA regulations, should no longer appear on my credit report as it is beyond the seven-year reporting period for derogatory information. Additionally, a payment was made after the account was charged off, which further confirms its ineligibility for reporting. I have attached a letter to this complaint, dated and time-stamped, which was sent to XXXX XXXX confirming the terms of a pay-to-delete agreement. Despite their acknowledgment, XXXX has failed to remove this account from my credit report, continuing to report it inaccurately and in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the continued reporting of XXXX XXXX XXXX accounts ( XXXX XXXX XXXX and XXXX ) on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the terms of a pay-to-delete agreement. The first account in question XXXX was opened in 2015 and, per FCRA regulations, should no longer appear on my credit report as it is beyond the seven-year reporting period for derogatory information. Additionally, a payment was made after the account was charged off, which further confirms its ineligibility for reporting. I have attached a letter to this complaint, dated and time-stamped, which was sent to XXXX XXXX confirming the terms of a pay-to-delete agreement. Despite their acknowledgment, Experian has failed to remove this account from my credit report, continuing to report it inaccurately and in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
XX/XX/year> Amount : {$6800.00} I had to move out the apartment because there was a bad leak in the ceiling that cause mold and flooding.I did also move out before the 90 days and they still charged my credit. I told them I can not pay because I have a lot going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IA

Complaint narrative:
My name is XXXX XXXX and I am formally disputing the inaccurate information listed on my credit repair in accordance with 15 U.S.C. Section 1681b and U.S.C. section 1681c. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report, and I did not initiate which constitutes a case of identity theft, pursuant of 18 U.S.C. section 8 I do not owe any debt to these entities, and I demand the immediate deletions of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-01-07 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: IA

Complaint narrative:
My name is XXXX XXXX and I am formally disputing the inaccurate information listed on my credit repair in accordance with 15 U.S.C. Section 1681b and U.S.C. section 1681c. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report, and I did not initiate which constitutes a case of identity theft, pursuant of 18 U.S.C. section 8 I do not owe any debt to these entities, and I demand the immediate deletions of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-01-07 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Santander consumer USA RE : Intent to file lawsuit, no response for Validation documentation. 


Account # XXXX Balance {$20000.00} To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-07 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:
XX/XX/year> A loan by XXXXXXXX XXXX XXXX XXXXXXXX that I did not authorize or consent to is on the XXXX, TRANSUNION, and XXXX credit reports, the current reported amount is {$20000.00}. I contacted XXXX XXXX  XXXX XXXX representative and they informed that they do not report to Credit bureaus. I did not consent to reporting A loan by XXXXXXXX XXXX XXXXXXXX XXXX the credit 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