vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-17 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
My loan payments were set to auto-pay {$2700.00}. Near XXXX, I was notified my " set payment '' was returned for being a few dollars short. " XXXX increased, '' a check was mailed back. It takes nearly XXXX  days to XXXX for the late fee. Instead of me paying the shortage, they sent back the whole check and then stacked late fees. I was told I could add to my escrow to bring the monthly payment back due to the original payment. I made XXXX $ to escrow ( told XXXX $ ). XXXX checked for escrow. Next bill original payment sent. I was told the check was returned due to being short again. I was then told I could make a XXXX $ escrow payment. I made an XXXX $ payment to bring the payment back down near the original. Submitted for escrow, the bill was rechecked for escrow. Submitted for original payment. Again, I was told the check was returned due to being short again. I paid on the main website {$2800.00}. It then notified me of a late few near {$120.00}. He says to contact the company to get that canceled. I contacted the citizens manager to cancel that. I told them they would contact me if this gets canceled. Never got called back. I just got a notification that my {$2800.00} was returned for not paying the late fee that I was asking to have removed, and I am waiting for an answer, too. Now I have to wait again for my check to arrive and pay another late fee as I never knew it was again late. I sent all payments on time, but this bank 's practices hurt my credit and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I disputed the inaccurate information on my consumer report on XX/XX/year> and the investigation was completed on XX/XX/year>. I called Equifax fraud department and spoke with a rep. The rep told me that the information was accurate and will not be removed or updated. I asked what steps were taken to verify the accuracy of the incorrect information. The rep stated that the creditor is responsible for reporting the information and that the information was verified accurately by the creditor. It is not possible for the creditor to verify any inaccurate information and also the information could have not been verified in XXXX hours. I informed the rep that Equifax is willingly and knowingly violating my consumer rights and the Federal law by reporting inaccurate and incomplete information on my consumer report. I know that the information was not verified by anyone and Equifax failed to update my consumer report with accurate and complete information. I demand that my consumer report be updated with complete and accurate information. The inaccurate information is hard inquiries that I have no knowledge of or did not authorize. The inquiries that I demand to be removed immediately are as follows : XXXX. XXXX national bank/Tmn ( inquiry ) XXXX XXXX  XXXX  ( inquiry ) XXXX XXXX XXXX XXXX  ( inquiry XXXX XXXX XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX XXXX ( inquiry ) I did not authorize these companies to request a copy of my consumer report nor did I authorize anyone else to use my personal information to obtain credit. Therefore this information is inaccurate and incomplete and must be removed immediately from my consumer report. All consumer reporting agencies must report XXXX  % accurate and complete information at all times. I demand the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Unverifiable Debt from Credit Report Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of a disputed account from my XXXX credit report. The account in question was a charge-off of {$700.00} from XXXX XXXX XXXX that I disputed, and as of XX/XX/year>, XXXX has completed their investigation and removed the account entirely from my report. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since XXXX has deleted this account due to its unverifiability, I am requesting that you also remove this account from my credit report. The deletion by XXXX indicates that the account is no longer verified, and thus, under Section 607 ( b ) of the FCRA, you are required to ensure that the information you report is accurate and complete. Also Fair Credit Reporting Act ( 15 U.S.C. 1681.

I encourage you to take action within 30 days to remove this unverifiable account from my credit report. Failure to do so may violate the FCRA and could result in legal action. Under Section 616 of the FCRA, I have the right to seek damages if you willfully fail to comply with the law. 
Please confirm the removal of this account in writing, and let me know if you require any further information to assist in this matter. 
Thank you for your prompt attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX Consumer Laws- Fair Credit Reporting Act ( FCRA ) - Section 607 ( b ) - Mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they report.

- Section 616 - Provides consumers the right to sue for damages if a credit reporting agency willfully fails to comply with the FCRA. Make sure to fill in your personal information and the name and address of the credit reporting agency ( CRA ) you are addressing this letter to.

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 2024-12-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX  XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX  Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX  Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. Equifax has inaccurate data with addresses that I am not associated with, Has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. C 168Tc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C.

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MO

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-17 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: MO

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 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: IL

Complaint narrative:
Up reviewing my consumer credit report I discovered some late payments on my accounts which I have always maintained timely payments. Consumer reporting agencies play a major role in reporting accurately consumer information. According with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sky XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. I demand that these payments be updated to reflect their true status as paid on time.

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 2024-12-17 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: IL

Complaint narrative:
Up reviewing my consumer credit report I discovered some late payments on my accounts which I have always maintained timely payments. Consumer reporting agencies play a major role in reporting accurately consumer information. According with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. I demand that these payments be updated to reflect their true status as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Skrill USA, Inc.
State: WA

Complaint narrative:
They locked my account after attempting to withdraw funds I deposited. Please help me get my account unlocked so I can deposit and withdraw funds again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
What happened : On XX/XX/year>, I received a letter from Capital One stating that my account was being closed due to a violation of their Customer Agreement. After multiple calls to their customer service, I was told the closure was because I missed XXXX payment in XX/XX/year>. However, I paid off the balance in full immediately after the recieving the notice, and my account has been current since then. 

Despite my efforts to resolve the matter, Capital One has failed to provide sufficient justification for the account closure. This action is disproportionate to a resolved late payment and has caused unnecessary disruption to my finances. I request a thorough investigation and reinstatement of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: EdFinancial Services
State: ND

Complaint narrative:
On XX/XX/XXXX, I received an XXXX alert stating that I opened two student loan accounts in the amounts of {$750.00} and {$430.00} via EdFinancial Services on XX/XX/XXXX. However, I am not in school, nor would I ever voluntarily put myself in student loan debt. 

That same morning ( XX/XX/XXXX ), I called the company twice and was able to speak with a representative on the second attempt. I explained the situation and the representative stated that someone in Indiana had filed in my name using my information. She collected my information and stated that she would send me documents via email and carrier mail to correct the issue.

However, this has not occurred. 

I've called back several times ( since there is no customer service email ), but was unable to successfully reach another representative. I then filed a dispute via XXXX twice, but both times they claimed that the original lender has " verified '' that the information they received in correct and the loan is valid -- - which, of course, it would be, seeing how the person who secured the loan was succesful in doing so by using my information. I have since had my credit line frozen. 

I have also filed an Identity Theft Report via Identity theft.gov, the XXXX, and an online Police Report but as of XX/XX/XXXX, EdFinancial Services have yet to correct their illegal mishap. 

I'm a resident of North Dakota, but I have been working at XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXXince XX/XX/XXXX. I have never lived in Indiana, nor would I ever. I have also never traveled there, nor have I ever passed through it. I would never put myself in student loan debt, but it seems that someone has, and because they have my information, I'm afraid that they will be able to do so again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
Opened account with US bank on XX/XX/year> ( checking and savings ). Deposited {$600.00} check same time as opening the account. Had downloaded the app and there was {$250.00} available in checking and {$150.00} available in savings that day. The next day and for 4 days after there was a {$0.00} balance in both accounts. Eventually the {$450.00} in checking and {$150.00} in savings was available in the app. I went to a local branch to pull {$100.00} out for gas since I still didnt have my card and was able to do so. I made an online payment to my attorney on XX/XX/XXXX of {$380.00}. After that and even still today it still says my available balance in checking is {$450.00} and {$150.00} in savings. ( I have it set up that my saving roll over to my checking if the checking funds werent enough to cover an expense ). I finally received my debit card today ( XX/XX/XXXX ) in the mail. It would not show a debit card to activate on the app so I called the toll free number and it sent me to a customer service representative because it could not activate the card. The woman I spoke with could not activate the card either and looked through the account to see what was happening, she stated that US bank had closed the account but had no other information on why. There was no communication with US bank that they were closing the account and I have not received a check in the mail with my money. I have no idea when they closed the account or why nor if my money is still in that account or if there is a check sent via mail.

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