vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to show old information and credit score after corrections were made by XXXX creditors. Both XXXX XXXX and XXXX have already made corrections and my credit scores have risen significantly as a result. 

On XX/XX/year>, I mailed a written personal statement to Experian to be added to my credit report which is still not being reflected.

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 2024-08-15 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: FL

Complaint narrative:
I looked at my credit report and noticed several inquiries I did not authorize. Please see the following inquiries showing on my credit report : XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Equifax 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed that XXXX dollars were withdrawn from my XXXX business account to USAA account. I had the accounts linked to make it easier to pay bills. However, when I reported this situation to USAA they told me they were going to investigate. They did not offer to freeze that account. The next day I saw another attempt to withdraw XXXX from my XXXX business account. I called USAA, but I also called XXXX. XXXX froze my account and put a stop to the transaction. According to XXXX, USAA confirmed being fraud. USAA when I called them about the XXXX withdrawal, they stated they were going to investigate and freeze my account. I did not have any access to it. A week later, I called the bank and they told me my money was bank in my account, which it was for a day. Then the following day I had a negative XXXX. I called many many times, spoke to the CEO relation department to be informed that the fraud was my fault. That I allowed someone to have access to my account. I challenged them by asking, " why would I still from myself ... .that does not make sense ''. Now my accounts have been closed with USAA and they never resolved my problem... .it shows that I have a negative XXXX dollars. I need help please...

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My recent credit report shows the following : XXXX days late for XXXX XXXX XXXX days late for XXXX XXXX XXXX days late for XX/XX/year> and XXXX days late for XX/XX/year>. This information is NOT accurate. I have had many issues with this account, and it seems to be getting worse. The information on my credit report has changed. It was removed and then placed back on. It used to say XXXX  days late not it has been changed to XXXX and XXXX days. I have tried to resolve this through XXXX team asking them to assist me. We did have some financial issues arise but not to this extent. I requested account history to be mailed to me, including payment history with amount and dates, account notes, documentation of any " promises to pay ''. I also requested that all calls be verified, as I voiced concern over payment posting due to the changing of some cards to capital one vs some staying with Kohls. I was informed at the time that it caused a lot of confusion between accounts. I could not longer access my card through the kohls app as I had done before. My account was reverted back to my old email, that I no longer have access to. From my end, it appears that the transition contributed to some of these " late pays '' and I do not feel the information is accurate. On top of that, no response to my numerous attempts to get information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX referred my Account to XXXX XXXX XXXX and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX XXXX XXXX XXXX I tried to resolve this with all XXXX companies to no avail. I was taken to civil court twice by XXXX XXXX XXXX XXXX representing XXXX XXXXXXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. XXXX was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said judgment. I spent XXXX days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it. I have explained this via certified mail to XXXX XXXX, XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am seeking to have the XXXX XXXX account in the amount of {$2300.00} removed from my credit report. I disputed this and advised XXXX XXXX that I do not owe this debt. XXXX XXXX  referred my Account to XXXX XXXX XXXX  and due to jurisdiction issues XXXX XXXX XXXX brokered this to XXXX XXXX XXXX XXXX. I tried to resolve this with all XXXX companies to no avail. I was taken to civil court twice by XXXX XXXX XXXX XXXX representing XXXX XXXXXXXX. The first court date was postponed allowing time for XXXX XXXX to return with proof of the debt. At our final court date ( a trial ), XXXX XXXX did not provided any evidence that I owed this debt. XXXX was ordered in my favor and the cased dismissed with prejudice. Please find included a copy of said judgment. I spent XXXX days missing work to attend these court dates. I have sent multiple letters, emails and made many phone calls attempting to get this item removed from my credit report. 
Please remove this account from my credit report as I do not owe it. I have explained this via certified mail to XXXX XXXX, XXXX, XXXX and Experian.

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 2024-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My mom passed away on XX/XX/2024. I managed to sell her home, pay off some remaining bills and, currently, I am attempting to close her last remaining bank account with Webster Bank in XXXX The account has approximately {$17000.00} in it. I want to close it but Webster Bank has denied the closing and the release of the funds in it. All of my mom 's XXXX XXXX and XXXX so I thought, were notified of her death the day after she passed. However, the XXXX fund did not close her account as I requested and approximately {$500.00} was direct-deposited into her account for, I believe, XXXX, XXXX, XXXX and probably XXXX. As a result of this error by the pension fund, XXXX, Webster Bank will not release any of her money in the account due to the pension fund 's error of not ending the payments which I will gladly return to them. The pension fund, XXXX has stopped responding to the emails I have sent them asking, more like begging, them to take my mom 's pension money back. This has gone on for a now ridiculous XXXX months. I will state again that it is my FULL intention to reimburse the XXXX Pension Fund the monies they direct-deposited into my mom 's account via its error. 
Thanking you in advance for whatever assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX ( 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 XXXX 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 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My statements for XXXX and XXXX have something suspense credit unapplied credit un applied payment reversal credit I have a bunch of them in several statements, for which the customer service does not have an explanation. 
Now my loan has been transferred to another company and this new company doesnt have access to that I need SLS to call me to provide explanation and also to send me explanation in writing for all those mentioned from XX/XX/XXXX to this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-15 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 non-monetary relief
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/year> there was an unauthorized ACH transfer out of my personal checking account for over {$13000.00} to an account with XXXX XXXX that was fraudulently set up using my information. I notified both banks and submitted claims on XX/XX/year>, and closed both accounts to prevent further fraudulent charges. Also on XX/XX/XXXX, XXXX XXXX froze the funds and told me they will only be released to US Bank to go back in my account. It is now XX/XX/XXXX and they still have not done so, and as of XX/XX/XXXX, still have not requested the funds from XXXX XXXX They also have not given me any provisional credit for this amount until it is returned, which I believe they are supposed to do within XXXX  days.

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 2024-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I checked my consumer reports and found that there was inaccurate information being reported. Contained in the letter attached to this description of my case is a thorough explanation of my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2024 I checked my consumer reports and found that there was inaccurate information being reported. Contained in the letter attached to this description of my case is a thorough explanation of my situation.

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 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My account with XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Violations of FCRA : Right to Privacy ( 15 U.S.C. 1681a ) : I am concerned that my personal credit information has been mishandled by these entities. Specifically, I believe there has been unauthorized disclosure or mishandling of my credit data, which breaches my right to privacy as protected under the FCRA. The act mandates that credit information be handled securely and only disclosed under permissible circumstances.

Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : I have discovered that these entities may have reported my credit information without obtaining written consent from me, as required by this section of the FCRA. This is a clear violation of my rights, and I request that an immediate investigation be conducted to determine the extent of these unauthorized disclosures. 

I request that you provide a detailed explanation of how my credit information has been used, disclosed, or reported, including the parties involved and the basis for any actions taken without my written consent. Furthermore, I ask that any inaccuracies or unauthorized disclosures be promptly corrected, and that you confirm to me in writing that these violations have been addressed. Please also ensure that any negative information resulting from these violations is removed from my credit reports immediately. 

I trust that you will treat this matter with the seriousness it deserves and will take swift action to resolve these issues in compliance with the FCRA. Please respond within 30 days of receipt of this letter to confirm the steps taken. 

Thank you for your prompt attention to this important matter. 

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 explanation
Consumer complaint received 2024-08-15 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: WI

Complaint narrative:
These inquiries do not belong to me, and I have no relationship with the listed creditors. I urgently request that they be taken off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
according to law 15. U.S.6802.Law FRCA Section 605B its is it illegal to report information on my credit report without my permission, thank you please remove this from my credit report now., I ask Equifax to provide proof of Contract with my signature on it, And some kind of copy of passport or identification.this Debt is not mine, belong to someone is. 
XXXX XXXX XXXX is reporting unauthorized medical debt on my credit report, XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
XXXX to XXXX XXXX XXXX this morning asking for the email acct associated with the XXXX XXXX acct that the collections letter is regarding. XXXX XXXX told me I needed to file a fraud/dispute claim before they will begin to look into the issue. 

I spoke to XXXX XXXX before speaking to XXXX XXXX, XXXX XXXX collections told me to get the email acct attached to this dispute. Currently XXXX XXXX stated I had no balance outstanding with my email acct

Company response to consumer: Closed with explanation