vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
3 things showed up on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Ive disputed all of them to be removed but they havent went away. These are 3 parties and they shouldnt have my information. I would like them removed from 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
3 things showed up on my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Ive disputed all of them to be removed but they havent went away. These are 3 parties and they shouldnt have my information. I would like them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I wrote Acima asking for validation of debt no response. 

I wrote another letter on XX/XX/XXXX stating I might be a victim of identity theft. 

Acima wrote back XX/XX/XXXX, however, they didnt sent the documents to verify the account. 
Please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank in MN froze 3 of my accounts : my business checking, my personal savings and my personal credit card that had XXXX points. They refuse to allow me to use these points, even though I did not ask to close these accounts and they were all in great standings. I never missed a payment. I found this out on XX/XX/XXXX, from my clients. They could not deposit my monthly commissions into my account because my bank account was frozen. Also, XXXX XXXX was not able to process my payment. I questioned my local branch. They told me to call XXXX XXXX. They gave me no specific reason why they did except " US Bank was allowed to do so because I signed an agreement '' ( back in XXXX ) that said they could do so at any time without any notice. I have a good credit history. I have 15 clients that directly deposit money into my account. I run a payroll with XXXX other employees. I have a mortgage payment that was late. 

I can not understand what I did except that I'm a woman-owned small business.

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 2024-06-17 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: NV

Complaint narrative:
I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA an

d Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. In light of this deplorable situation, I formally d
emand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 



Your immediate attention to this matter is non-negotiable. Act swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX I signed an auto lease at XXXX XXXX XXXX XXXX stating that I would pay no more than {$550.00} per month for this lease. And this hand written paper is now missing. I left the dealership with NO paperwork, nor did the salesman go over the contract with me before I left the building. 
Ally is charging me {$550.00} per month as the lease payment. Not what I agreed to. 
Along with other disputes of this lease, I have contacted the Attorney Generals Office of the State of Pennsylvania and Maryland. 
And called XXXX to voice my complaint. 
I have contacted ALLY from the beginning that I am in dispute of this contract, along with writing this on the monthly check of {$550.00} that I have sent every month since XX/XX/year>. 
ALLY has now reported me to credit agencies of being in default, and is now charging me late fees. I never agreed to ALLY since I was already approved for XXXX XXXX being this is my fourth lease. 
I want ALL correspondence in writing, not ONLINE. 
Please help me.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX showed up on my credit report as late payment. This is incorrect and should not be 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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I have been trying for over a year to make a payment plan to my mortgage after I paid a very large lump sum. The mortgage company now says I have to pay {$100000.00}. in one payment. This is my home where my family and I live, the documents sent through the mail do not reflect the same information they give over the phone. Including a {$500.00} cashier check from wells fargo for overpayment- my mortgage is almost paid off and I do feel this is some kind of dishonest scam for them to try to keep my home. Please help me with this urgent matter as it is very confusing.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I started 2 disputes with Citi Card XX/XX/XXXX. 
Citi Cards Billing Dispute XXXX XXXX and XXXX {$3400.00} transaction date-XXXX XXXX XXXX {$3900.00} transaction XXXX XXXX, XXXX I received a letter in the mail XX/XX/XXXX from Citi cards informing me that the investigation was closed due to not receiving a response from me requesting additional information. I have called every time within 24 hrs that I received a letter and talked to a customer service representative who would put me on hold to check and then tell me it was a mistake and disregard. They should have recordings and notes in my file each time I've called. I've also sent emails and forwarded documents to XXXX multiple times. at least 37 plus emails. I had purchased 2 storage containers from a company named XXXX XXXX which I found on XXXX. I was told I had to pay for the items in full before I would get delivery because they were coming from California. I have never received the items and attempted delivery 3-4 times with no luck. I'm unable to reach the company by phone and I've been blocked on the company 's XXXX. The amounts were added back into my Citi card balance and interest is accruing on it. I did call about interest on statement, so the customer service representative reversed the interest but balance is still reflecting the full disputed amount.

I emailed another letter and documents to XXXX XX/XX/XXXX. 
I received an email from Citi Card XXXX XXXX that dispute has been received but have not heard anything else from them. The amount I'm disputing is still in my total balance. I have exhausted all avenues and sent all proof docs, emails, texts to Citi with no luck in a resolution. Citi has not and will not give me any information about what docs they received from XXXX XXXX  so I can see what was said. I haven't received the shipping containers at all. I don't understand why I have to pay for something I never received. Before I even did this I contacted Citi card and she assured me I was protected if I don't receive and if it was fraud.

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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MT

Complaint narrative:
Today is XX/XX/XXXX I got a call today from the US Bank about my overdraft I've been trying to figure a way to get that paid off at all screwed up on a XXXX XXXX and still trying to figure it out but with my hours getting cut at work going down 2 days a week I'm getting paid like XXXX bucks an hour and XXXX hours a day so it's only {$140.00} and I got like a {$250.00} to pay off by XX/XX/XXXX and are going to foreclose the account and report it to check

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 2024-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been doing business with an online bank, Bread Savings ( a division of Comenity Capital Bank ) for many years in which I have always maintained an account in good standing. 

On XX/XX/XXXX, Comenity Capital Bank sent me a letter claiming a review of my account " revealed potential security concerns and/or irregular account transations. '' Therefore, they are closing my account and forbidding me to do any future business with the bank. 

I have broken no rules and have done nothing at all to deserve this. The bank refuses to convey any questions or concerns, nor have they conveyed any suspected irregularities. In sum, they are doing this in a totally discriminatory way without providing me any opportunity to explain any issues they may have. 

This smacks of discrimination ... ..closing my account without explanation or reason. I can provide you with an entire history of my transactions over many years with this bank without ever a hint of problems. 

Therefore I request an investigation of this highly unusual and totally discriminatory action on the bank 's part. I have done nothing wrong and being treated like a common criminal. 

I look forward to to your reply. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Do to the data breach and my information being compromised showing inaccurate information. According to the FCRA Section 605b, Its illegal to report information to my credit report without my permission. Please remove this item from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One auto finance gave me a late payment for XXXX and XXXX when I already made a payment for XXXX I had a payment arrangement. Then they reported late payment for XXXX and its currently XX/XX/XXXX so how is it possible for me to be late in XXXX. I also sent proof and documentation of errors see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
After another complaint was filed ( XXXX ), Navient invited me to apply for a school misconduct discharge application and after I submitted this application with all evidence showing how the Federal Government and courts had found XXXX guilty of school misconduct, shut them down and was discharging all our federal loans on them, Navient denied my application stating that it didn't meet the criteria for a misconduct discharge but gave no indication, why or what the criteria was. 

When I called the customer Advocate phone number they provided to find out why it was denied and what process I could follow to appeal, I was told the customer advocate they told me to call for more information could not give me more information or explain why my case was denied despite it being a text book example of a school misconduct case. Not only was my school guilty of misconduct, but I have paid Navient back over {$54000.00} USD over the last 12 years on a total of {$18000.00} borrowed and so have WELL Paid them back the money I owed them plus interest, yet their system says I owe {$25000.00} still and won't have it paid off for 8 more years. This is blatant usury at this point and is a clearly exploiting and scamming citizen out of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the Metro 2 format.

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the Metro 2 compliance guidelines. 

The account in question is XXXX XXXX XXXX XXXX XXXX. The discharge of this debt was officially granted on XX/XX/year> and the XXXX was filed with the IRS on XX/XX/year>. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH THE IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY.

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation. 

I am enclosing copies of the discharge and the XXXX for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Previous investigation conducted by CFPB ( previous complaint # XXXX ). XXXX XXXX XXXX has once again claimed that I opened up an account with them some time in XX/XX/year> with an outstanding balance of {$250.00} which is now in collections. I have NEVER had an account of any sort with XXXX XXXX XXXX. I just disputed 2 separate accounts from XXXX XXXX XXXX about 2-3 months ago and CFPB was able to track down the information on the party who opened the accounts. XXXX & XXXX should be held liable for their failure to verify consumers and just arbitrarily add collections to consumers credit reports without fully investigating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm writing regarding an egregious hidden fee from my mortgage company, Everbank.

Everbank is the mortgage lender on my home. Everbank mailed me a notice this past XXXX from Everbank that my home insurance had lapsed, so I immediately called XXXX and signed up a new policy. I reached out to Everbank several times to submit and confirm my new policy, but without response of the part of Everbank. 

Now in mid XXXX, I received a mortgage statement from Everbank charging me {$1800.00} on top of my mortgage payment for insurance coverage. After reaching out to multiple points of contact at Everbank, I was finally told they were penalizing me for the period that my house was not covered.

This is patently unfair. The minute I learned that my coverage had lapsed I immediately fixed the issue. I have always paid my mortgage on time ; I work hard to maintain a good credit rating ; and I invest time and effort to maintain my home, which is the collateral for the Everbank loan. As a result, there has been no material damage to the house during any period of the loan.

Instead, Everbank is using this foot fault to gouge {$1800.00} from a timely and responsible borrower. I have a young child at home ; my wife is about to give birth to our second; and I have a full time job. It's terrible that a large company like Everbank seeks to take advantage of busy working families with large hidden fees.

Company response to consumer: Closed with explanation