vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
someone opened several accounts using my information and I filed a police report and submitted it to all 3 credit bureaus and nothing has been done the accounts are still sitting on my 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 2025-02-11 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:
I am writing to formally request a reinvestigation of the inaccurate information you have reported to the credit bureaus regarding the following account : Inquiry is in accurate and wasn't pulled with my permission. I was made aware companies can only obtain credit report legitimate reasons, permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), a creditor is required to provide verification of the disputed account within a reasonable timeframe. Since you have failed to provide adequate proof validating this accounts accuracy, you are in violation of your legal obligation. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) ( 15 U.S.C. 1692g ), if a debt can not be verified, it must be removed from all credit reporting agencies immediately. Your continued reporting of this unverified account constitutes inaccurate and unfair credit reporting, which is a direct violation of my consumer rights. 

As a result, I demand the immediate removal of this inaccurate information from my credit report. If this account is not removed within 30 days of receiving this letter, I will have no choice but to escalate this matter with moving forward with lawsuit. Additionally, I reserve the right to pursue legal action for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ). 

Please confirm in writing that this account has been deleted from my credit file. I expect a response 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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal charging additional overdraft fees having me have to call several times. In violation under 1053 and 1055 of the consumer Financial protection Act of 2010, 12 U.S.C 5563,5565 section 1063 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C 5536 ( a ) ( 1 ) ( B ) which they have admitted these violations via the Consent Order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-11 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: WI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
SPRING OAKS CAPITAL LLC is reporting and trying to collect on an insurance claim that has been settled. My XXXX XXXX XXXX XXXX  was totaled. The insurance and XXXX XXXX paid the claim. SPRING OAKS CAPITAL LLC is trying to collect on a debt that's already settled and continues to reappear. Has not provided detail list of payments on this account. provided orignal signature on orighinal contract. Has not informed or provided me on any insurance claim found on this debt. We have not seen any chain of title collected on this debt. No 1099C present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I contacted XXXX to dispute an account that is open my profile. They responded to me saying the account is not listed on my credit report. XXXX account number XXXX amount owed is {$0.00} Yet they sent me a copy of my credit report and it is clearly listed on my credit profile. I have provided a FTC theft report to them and will attach again. I will proceed with litigation under the FCRA if this is not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/XXXX my card number was used in XXXX Ohio for several transactions. I don't know anyone in XXXX Ohio, never traveled to XXXX Ohio nor given permission to anyone, anywhere to use my card. Several transactions were made, money from my bank account was taken from my bank accounts paying the bill on the credit card as well as two other bank accounts to XXXX themselves cash. There were transactions made after I called credit card company regarding the issue as well as going to police department to file a report. The card number was changed and a new card was mailed to me but there were additional charges made after the card number was changed. I had not even received the card in the mail yet. This credit card company require your banking information ( routing and account numbers ) in order for you to pay your bill online which explains how they were able to get into two other bank accounts. I tried to log into my account on XX/XX/XXXX to make a payment but was locked out of the account. I discovered that the email address and phone number was not the same information that I gave long ago when the account was opened. I called the card company on XX/XX/XXXX to make a payment on the account because it was due on the XXXX and spoke to a representative. They had the account number and I also gave them a debit card number so that the payment could be made. Now they are saying that the payment was not received but I have an email thanking me for my payment. Went back online to check and the payment had posted and showed the next payment for the month of XX/XX/XXXX. I believe that this was all done by an employee from the company because of how everything has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX my husband sent an overnight XXXX Mail from the Postal Service to Driveway Finance Corporation located at XXXX XXXX XXXX XXXX XXXX Oregon XXXX in the amount of {$34000.00} for a Payoff of a vehicle financed through the company mentioned. Acct # XXXX On XX/XX/XXXX it was received at the XXXX XXXX in XXXX Oregon and picked up by a Representative of *XXXX* which is the parent company of Driveway Finance Corp . The envelope was received and signed for by XXXX XXXX as my receipt states. 

My husband then contacted the company in my name to verify receipt of Cashier 's Check. They could not verify receipt in their system on XX/XX/XXXX. Was told that give it a few days for it to show in the system. My husband called Tuesday XXXX and Wednesday XXXX and they still could not produce any information regarding the payment. 

My husband then informed them to check with their Supervisors to find out where the check was. The Rep asked for my tracking number which we provided immediately and they were able to verify that someone had signed for it from their company. My husband works at the Postal Service and he did his own investigating. He was able to retrieve the whole tracking history and copy of the person who signed for it which he informed them about. 

On Thursday XXXX after several calls that day they asked for the serial number of the check which we provided at that time. By now we have called this company more than XXXX times and they could not provide us with any information on the location of our money. We were told to call back on Friday XXXX which my husband and was told to give it until Monday XX/XX/XXXX. By now we had already lost all confidence in them finding our money. 

My husband called early on XX/XX/XXXX and talked to a lead Supervisor named XXXX and he told my husband that he would be doing all he could to locate the check. By then my husband informed them that he needed an answer by the end of business day. My husband also informed them that he would be taking action with Gov Agencies and was contemplating legal action. All we were told was OK. 
We have had many dealings with other Financial Institutions and by far this is the worse experience we ever had. This vehicle was purchased in XX/XX/XXXX and were already paying it off. This Company has shown no regard for customers hard earn money. I need help in this matter, I appreciate all that can provide XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
Experian needs to fix the inaccurate reporting on my credit file regarding my XXXX XXXX XXXX account ( Account # XXXX ). Experian falsely reporting my payment status as Paid, was past due 30 days two or three times, while both XXXX and XXXX correctly report the status as Paid or Paying as Agreed. Experian 's version is wrong, misleading, and needs to be corrected immediately. Additionally, you are showing late payments for XXXX and XX/XX/year>. This needs to be corrected. Under 15 USC 1681e ( b ), Experian is required to maintain accurate reporting, yet you continue to misrepresent my payment history. Under 15 USC 1681i, I have the right to dispute errors, and you are obligated to investigate and correct them.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXX/XX/year> the inaccurate reporting of the student loan account referenced above under my credit file according to the fcra reporting act you are required to ensure accuracy and completeness of the information you report pursuing to fcra section 623 A6 15usc 16 81s2 that you verify the accounts and details specifically time frame and negative payments history reportings second the verify the account details comply with the requirements under the FCra 615 f and section 605 b which addresses the handling and dispute accounts and protection against reporting of fraudulent or unverifiable information if this information can not be fully verified I requested immediately deletion from my credit report as required under the fcra section 605d

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:
XXXX XXXXXX/XX/year> the inaccurate reporting of the student loan account referenced above under my credit file according to the fcra reporting act you are required to ensure accuracy and completeness of the information you report pursuing to fcra section 623 A6 15usc 16 81s2 that you verify the accounts and details specifically time frame and negative payments history reportings second the verify the account details comply with the requirements under the FCra 615 f and section 605 b which addresses the handling and dispute accounts and protection against reporting of fraudulent or unverifiable information if this information can not be fully verified I requested immediately deletion from my credit report as required under the fcra section 605d

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: FL

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

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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received pre-selected mailings from my bank, PNC, for a personal loan. I intended to use for Credit Card debt consolidation and to assist with an impending tax bill. I had been a customer of PNC for 12 years and applied online but was denied the loan. I wasn't given any counter offer, so I was convinced I had done something wrong because at the time my credit score was XXXX. So the next week I went to my branch and applied in person. They informed me they would be required to do another hard pull on my credit in order to file the application. I agreed because of my impeccable credit payment history, high credit score, length of relationship with PNC, and requesting a much lower loan amount that it was nearly impossible that I would be denied any amount of a loan. I was again denied any loan amount. If that was PNC 's decision to not lend me money, that was their decision. But this time I was given a reason, and it was because of overdrafts from the previous three months. I was aware I had had them and I was forgiven them by PNC because they were all a result of delays in transfers that had come in within the next 24-48 hours. 

My big problem is that my credit score dropped XXXX pints as a result of their inquiries and PNC never had to pull my credit information if they were going to deny me for the overdrafts. Their decision was apparently going to be unchanged due to my overwhelmingly positive credit history. That circumstance was the lone reason. And yet they did hard pulls on my credit when their information disqualified me. There was no warning from the institution beforehand that this was going to impact the decision and I remain baffled at the severity it impacted their decision. 

But knowing they could have prevented this situation by not marketing to me that I had been selected to receive their loan when, again, they provided the disqualifying fact. Or at any point when I was working with the banker that they should have disclosed this information before doing a hard credit pull. 

If that wasn't bad enough, they sent me another mailer last week, for my pre-selection for a credit card debt consolidation loan. It's a textbook salt-in-the-wound example. PNC seems pathetic and predatory at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I was told that Lexington law would fix my credit and I would start seeing a difference I made two payments and nothing changed.

Company response to consumer: Closed with explanation