vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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 writing to formally file a complaint and request the removal of inaccurate and unverifiable information from my credit report. The following accounts have been reported as charge-offs on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that these accounts were reported inaccurately. I exercised my right under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i to dispute the completeness and accuracy of these accounts with the credit bureaus. However, the dispute results indicated that the accounts were " verified '' without providing any tangible evidence of the investigative process or proper validation of the debts. 

The failure of the credit bureaus and furnishers to provide sufficient evidence of the investigation or their procedures for verification constitutes a violation of my rights under the FCRA. Specifically : Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), a credit reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the information if requested by the consumer. 

Under FCRA 1681s-2 ( b ), furnishers of information must conduct a thorough and reasonable investigation when a dispute is filed.

Under the Truth in Lending Act ( TILA ) 15 U.S.C. 1666, creditors are required to provide accurate billing and reporting practices, and failure to do so constitutes a violation of the Act. 

Due to the lack of evidence proving that a proper investigation was conducted and the absence of documentation supporting the validity of these accounts, I formally request that the charge-offs be deleted from my credit report immediately. 

I kindly ask for your intervention in ensuring that the credit bureaus and furnishers comply with their legal obligations and remove the inaccurate information. If necessary, I am prepared to escalate this matter further, including seeking legal recourse for non-compliance with federal regulations. 

Please provide a written response regarding the steps that will be taken to address this matter. I appreciate your time and prompt attention to this urgent issue. 

Sincerely, 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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy ADA options for someone who is XXXX, struggling with XXXX XXXX XXXX XXXX and who also fall under protected class. Each of the business expects a person with bad health to spend countless hours with each of them and I barely have the ability to live, barely can move some days and yet when I am able to call I am verbally attacked. I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my car since I was denied many loans or if my credit card does work is when I have access to wifi. it would be great if some company allowed me to live and focus on my health. you can stop sending mail as I can barely move and going to a mailbox isn't top priority my life is. thanks similar letter was mailed to social security, illinois, VA, and 3 credit bureaus also this company refused to allow me to update my data when it was clear that my someone was trying to steal my identity. my only options to prevent further fraud was to just close the account as they are a hassle and my health can not take dealing with non life threatening task.

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 2025-02-15 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. Thank you for your prompt attention to this matter. I look forward to your timely response. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: KS

Complaint narrative:
XXXX XXXX told me my password was leaked in a data breach. 

When I went to renew my XXXX account with XXXX they discontinued my XXXX XXXX XXXX account and made a new one without my consent or briefing me. 

I swapped my insurance a few years ago and XXXX  fraudulently put my account in collections via credit coll. My insurance doubled so I switched companies for half the rate

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 2025-02-15 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: VA

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/year> -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
On XX/XX/year>, I discovered through news reports that XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) disclosed student loan records, including mine, to an unauthorized third party without my consent. The disclosure involved personally identifiable information ( PII ), including loan balances, repayment status, and possibly my Social Security Number. 

I was never informed by XXXX about this breach. Instead, I learned about it from news articles reporting that unauthorized access to student loan data had occurred. Upon seeing these reports, I immediately contacted XXXX FERPA Compliance Office and Financial Aid Department to ask why my records were disclosed, who accessed my loan information, what corrective actions were being taken, and whether any of my past student loan records were also improperly shared. 

XXXX  response was vague and failed to provide clear accountability or explanation. They did not confirm who accessed my records or what steps were being taken to secure my information moving forward. 

This is a serious violation of the Family Educational Rights and Privacy Act ( FERPA ) and other privacy laws protecting student loan borrowers. Since XXXX failed to provide answers or take responsibility, I am requesting a formal investigation into this unauthorized disclosure.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I didnt get my u.s bank reliacard I feel someone stole 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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying to get Equifax to remove a duplicate XXXX XXXX XXXX collection for {$1300.00} from my consumer credit report since it showed up on my XX/XX/XXXX Equifax report! I have done at least complaints directly with Equifax and keep getting results claiming verified as correct. Please see the attachments to show my 3rd round complaint letter sent to Equifax which included the issue about Equifax reporting a XXXX XXXX XXXX collection showing twice on my report. I have included XXXX credit reports from Annual Credit Report for Equifax. On the credit report from XX/XX/XXXX, I had XXXX collection from XXXX and XXXX duplicate collections from XXXX. I sent a dispute letter certified mail XX/XX/XXXX. On the consumer report from XX/XX/XXXX, I then had XXXX duplicate collections from XXXX and XXXX duplicate collections from XXXX. On the report from XX/XX/XXXX, Equifax removed the duplicate XXXX XXXX but the XXXX is still showing twice with same exact account number and same exact amount. One shows an open date of XX/XX/XXXX and one shows an open date of XX/XX/XXXX. I feel Equifax blatantly violated my rights under 15 USC 1681 to have a accurate report and were not doing their investigations as they claimed. Otherwise, this duplicate would have been fixed long ago since my disputes of it have been going on since XX/XX/XXXX. Please see the attachment that clearly shows the original creditor XXXXXXXX XXXX XXXX XXXXe WAS NOT CHARGED OFF and PURCHASED BY XXXX UNTIL XX/XX/XXXX. This shows that Equifax has an inaccurate entry for XXXX on my report with a DATE OPENED XX/XX/XXXX which is before XXXX owned the debt!!!!!! 

I want Equifax to get that duplicate XXXX XXXX XXXX with a " Date Opened '' of XX/XX/XXXX DELETED off of my report. I have spent hours and hours trying to get this resolved with them since XX/XX/XXXX. I am beyond disgusted with their lack of actually verifying this information. It just shows this is what they do according to : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors. I am definitely going to seek advice on the legal aspect of them violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXXXXXX XXXX XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-15 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXXXXXX XXXX XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Issue Description : I receive an inheritance payment every few month to my PayPal account and this time they froze my account and wont let me access my funds until XXXX XXXX. I live off of this money it is my only income and I had a check deposited before in the same account and they didnt have a problem with it. I even called and talked to someone and told them that I was having an inheritance check deposited and told them how much it was {$50000.00}. They told me no problem. But they lied to me! I they froze my account and wont let me access my funds! I live off of this money! And they decline any transactions that try to go through and I pay my bills out of this account. All my payments are bouncing!! I dont know what to do! I may get evicted because of this too! I had one payment deposited last XXXX and they didnt have a problem with that one. Plz help me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
XXXX XXXX XXXX have denied my person a 1099c for an account that was charged off over 4 years ago. I keep asking them to send a 1099c and the representative keep saying they dont send them out. This account was sold to a debt collector who tried to collect on that debt but failed to provide accurate information to myself. XXXX XXXX bank post to my credit file ( Transunions ) but will not send me a 1099c for that debt they in fact charged off. Charged off/written off debt are considered income and thus is a violation of my consumer rights. This is account is over XXXX send my 1099c

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have been experiencing financial hardship and reached out to Apple Card ( Goldman Sachs ) multiple times to request assistance, such as a temporary reduction in my interest rate, an extended payment deferral, or a structured repayment plan to help me stay on track with my payments and avoid default. 

Each time, I was told that no hardship programs were available for me, despite the fact that Goldman Sachs advertises customer assistance programs. I have spoken with multiple representatives, but they have refused to offer any real options beyond stating that no help is available. 

I am not asking for debt forgivenessI am simply requesting reasonable assistance to manage my payments, as many other credit card issuers provide. Instead of working with me, Apple Card representatives have repeatedly denied any hardship support without offering alternatives. 

I am requesting the CFPB to investigate why no assistance is being provided and require Goldman Sachs to offer a fair resolution. I am willing to provide all necessary documentation to verify my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have Direct and Direct Plus loans in the SAVE plan that are serviced by Aidvantage. Since summer XXXX, these loans have been in the 0 % interest forbearance due to SAVE plan litigation. On XX/XX/XXXX, Aidvantage sent me a document titled " Change In Loan Terms '' which charged an interest payment and resulted in an increase of {$160.00} to my total loan balance. 

On XX/XX/XXXX, I spoke to an Aidvantage representative who confirmed the interest charge was improper and submitted a dispute to reverse the accrued interest. The dispute was to be completed by XX/XX/XXXX. On XX/XX/XXXX, I spoke to a second Aidvantage representative who said that the outcome of the dispute was not available. On XX/XX/XXXX, I spoke to a third Aidvantage representative who said the dispute was still not resolved and confirmed that I should not have been charged interest. This representative took more information and submitted a detailed explanation to the dispute team ( ticket # XXXX ). 

On XX/XX/XXXX, I received 3 emails from Aidvantage. The first email is titled " FFELP 3rd Delinquency Notice ''. It stated : " Your account became past due after you missed your payment on XX/XX/XXXX. The amount past due is {$340.00}. '' I am not now and never was on the FFEL program, nor is any amount past due. The other 2 emails are titled " Monthly Statement '' and request payments.

Aidvantage has improperly added interest to my loan balance, falsely stated I am in FFEL program loans, and apparently is improperly attempting to collect payments while I remain on the SAVE plan which is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 posting 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