vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
XXXX. Chex Systems shows a non-sufficient activity report from XXXX XXXX XXXX  that I have an unpaid balance of {$130.00}. 

XXXX. XXXX XXXX  denied my application to open a CD account based on this report.

2.This is not my account nor have I ever lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. This was my mother 's account who lived at that address. 

XXXX. After my mother ( XXXX XXXX ) became XXXX with XXXX, I administered payment and reimbursements of : medical expenses, assisted living expenses, geriatric care fees, and other living and personal expenses. This was funded by my mother 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that went into the account. 

XXXX. After my mother 's death on XX/XX/year>, XXXX XXXX  stopped. The account ceased to have a source of funds*. (. XXXX XXXX XXXX  continued to process account fees and other debits after the account funds were exhausted while tacking on NSF fees. 

XXXX. This adverse report from an account which is not mine has unfairly caused me to be denied services from a financial institution despite my XXXX XXXX XXXX. 


*Her house was sold on XXXX with all proceeds used to pay medical, assisted living, geriatric care, and other living and personal expenses

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 2024-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I submitted an application for student loan discharge based on school misconduct on XXXX. XXXX I have received a denial letter stating that I do not meet the requirements for discharge. The letter does not give any information as to what requirements that I do not qualify. I am requested to be supplied with the proper documentation and specifications to which I was denied XXXX. My misconduct application supplied Navient with more than sufficient information in a timely manner. I was even told that my school does qualify for discharge before even being presented with the application around XXXX. I requested more than a vague explanation. This letter does not give any reasons. I was told by a representative on XXXX that I could submit additional documentation. I have given an ample amount of documentaion that was submitted with my application. I am following up with a complaint to the CFPB to acquire this information because navient has failed to supply this information as these are my rights.The fair credit reporting act ( FCRA ) and equal credit reporting act ( ECOA ) require creditors to provide specific reasons for denying or not discharging a loan. I am requesting further clarification in order to address this matter. I also requested information on how to appeal this and was not supplied with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
Sirs, I have a " way2go '' card from the state of Nevada for unemployment benefits. They have 2 methods of transferring money to my bank account. Via phone and via their website. I have tried both and were charged for the transfers. Both were unsuccessful and the money bounced back to the way2go card. I called my bank and verified that they will accept the transfer and that the routing/account number is correct. I have screenshots of the online transfer if need be.I do not want them to upload the screenshot unless it is secure due to my bank info being visible.There is no way to get a representitive on the phone from way2go. The transfer charge does not get refunded. This is a known issue after doing a XXXX XXXX. They have intentionally made this to inflate fees and restrict money access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX -- -- INQUIRIES -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I believe I deposited the check on the XXXX or XXXX XXXX of 2024. The check is XXXX. After I deposited and it not available for 6 business day. On the 6 business day and I can't login my account anymore. So I try to calling the bank. And they told me I have to go to the branch for them to release my account back. I told them I'm not around town. I won't be back for another 2 months. They ask me to call the branch to figure out about that. Witch I did and they still want me to come in the branch and I explained to them that I can't for another 2 month. They say if I don't go in they close my account in 15 day. Well it's OK if they want to close because I'm not around. So I received a letter on XXXX XXXX 2024. On the letter say my account have been closed and the money have been withdraw. So I call and ask I didn't withdraw the money and they ask me did I withdraw I say no. My account been frozen almost 1 month ago how can I withdraw the money. And they told me to call different departments witch is recovering departments. I talk to them and they say the check have been withdraw to send out. But then I call again 2 week later they still say the check have been mail out to me. And I wait until today is XX/XX/2024. And call again and they say I don't have any money in my account because that check is fraudulent. But they already withdraw the money from other parties that signed me the check. So what I need to do now? I have no more patience with this bank. Please help me punish this bank and help me get my money back please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Acrisure Mortgage Partners, LLC
State: TX

Complaint narrative:
My wife and I applied for a mortgage with XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. On XXXX XX/XX/XXXX XXXX sent an email stating that they could not approve me and my wife as borrower and co-borrower. We asked XXXX to check if it would be possible to approve me on my own. 

Since starting the above mentioned process, I have been waiting for the formal denial letter. I have asked for it several times but XXXX refuses to issue it. Stating that I have been conditionally approved on my own. I reminded XXXX that I only wished to know if it was possible to get approved on my own not commit to a new application. 

I have reminded XXXX that 1st application is independent of exploring the possibility of approval with me as the sole borrower. I have also cited CFR Title 12, Part 1002, which states that they have 30 days to issue that letter and XXXX still refuses to acknowledge my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: GA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report under the account name " XXXX XXXX XXXX XXXX  '' ( Account Number : XXXX .... ). The status of this account is listed as " charged off '' with a recent balance of {$1200.00} as of XX/XX/2024, and it is reported that {$1200.00} was written off and is past due. However, this information is incorrect and should be removed from my credit report. First, the reporting of this account is incomplete and inconsistent. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information. The balance history reported does not accurately reflect the actual payment history, resulting in a misrepresentation of my financial standing. Second, I have previously requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and the response provided did not meet the necessary standards to validate the alleged debt. Without proper validation, the account should not be reported as a charge-off.

Finally, the account was updated following a dispute in XX/XX/2024, but the original inaccuracies were not corrected. According to the FCRA, if previously disputed information is reinserted into a credit report, the credit bureau must notify the consumer. I did not receive such notification, and the account continues to be reported inaccurately. I am formally requesting that this inaccurate and unverifiable information be removed from my credit report. Please conduct a reasonable investigation as required by law and provide me with an updated credit report reflecting these changes. Thank you for your prompt attention to 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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: MN

Complaint narrative:
XX/XX/XXXX, 2024- I received a debt collection notice from Lockhart Morris and Montgomery for the reference # XXXX for the amount of {$860.00} for a creditor by the name of XXXX . 

XX/XX/XXXX, 2024- I contacted Lockhart Morris and Montgomery via email at their email that was provided on their sent statement, XXXX, disputing the debt and requested original agreement for the debt. 

XX/XX/XXXX, 2024- I received notice that Lockhart Morris Montgomery has appeared on my credit Bureau report. 

XX/XX/XXXX 2024- I contacted Lockhart Morris Montgomery via phone at XXXX. I informed the first representative of this issue, he stated that he would have a manager call me regarding this matter in 15 minutes. I never received a call back so after 30 minutes went by, I called Lockhart back. Another representative informed me that she will be escalating my matter and someone will email me back or call back.

Lockhart Morris and Montgomery failed to provide me requested documentation of my original purchase agreement for the creditor XXXX within 30 days of my dispute and has now affected my credit report with inaccurate information going against my consumer rights and has caused triumph for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: VA

Complaint narrative:
XXXX loan is reporting to my XXXX, Experian, and XXXX credit reports late payments and foreclosure.

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 2024-08-09 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: CA

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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.
State: WI

Complaint narrative:
My account with XXXX XXXX XXXX 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 in 60 days to be removed.

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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports 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 2024-08-09 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:
I recently did a review of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, it's hurting my ability to obtain credit. I did not authorize this account.

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 2024-08-09 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: PA

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200000.00}

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 2024-08-09 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
From XX/XX/XXXX- XX/XX/XXXX of 2024, I was in a back-and forth with a supposed agent that claimed to be from an agency that was giving out large amounts of cash for student debt relief. The agent 's name was XXXX XXXX, and I was introduced to this agent by a person who claimed to be a college friend who assumed the name of XXXX XXXX, XXXX. XXXX XXXX kept pressing me to sent money to at least XXXX different accounts, sometimes in amounts of {$500.00}, and sometimes in amounts of {$1000.00}. Her phone number, by the way, is supposedly XXXX. She had me buy XXXX gift cards that totaled to {$3500.00}, and had me send money to at least XXXX different accounts through XXXX that totaled to {$8000.00}. I am writing to you to see if you can trace these transactions, and if there is any way you can help me recover any of the money. I have kept all of the transactions and receipts, and I have reported Agent XXXX XXXX and XXXX XXXX, XXXX to XXXX and the FTC for scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 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: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief