vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Acct. # XXXX XXXX XXXXXXXX : Acct. # 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 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 a account without my written instructions 15 U.S.C 1681c. ( 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 seven 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 theperson knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: TX

Complaint narrative:
Transunion failed to validate how they were reporting information for a collection agency on my credit report. I contacted the original creditor and they stated that they collection agency is not the same company that Transunion is reporting for account XXXX. The balance on this account is inaccurate. My XXXX report showed the balance at {$5300.00}, and now the XXXX report shows {$5300.00}. A collection agency is not allowed to charge interest, or any new fees so why is this balance incorrect? I will be seeking legal action if the account is not removed from my credit report. I have also attached an invoice for the number of violations from your company. This account is to be removed and payment remitted to the address on the invoice within XXXX business 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 explanation
Consumer complaint received 2024-07-07 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: IL

Complaint narrative:
I recently received a copy of my credit report and notice I had some fraudulent accounts on my report. Please remove these fraudulent accounts of my credit report, these accounts are preventing me from obtaining credit and buying a home.

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 2024-07-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX  acct # XXXX, XXXXXXXX XXXX XXXXXXXX acct # XXXX, and XXXX  XXXX XXXX acct XXXX XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.

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 2024-07-07 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: IL

Complaint narrative:
I recently received a copy of my credit report and notice I had some fraudulent accounts on my report. Please remove these fraudulent accounts of my credit report, these accounts are preventing me from obtaining credit and buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
There were multiple transactions on my XXXX XXXX and XXXX XXXX cards with Navy Federal Credit union over the course of several months from a vendor named XXXX. I have never been in contact nor done business with this merchant. They had a recurring transaction on both of my credit card over the course of the end of last year XXXX to XXXX XX/XX/XXXX where I reported the transactions. They had gone unnoticed because I regularly max out my credit cards each month and pay them off in full. Upon opening the fraud dispute with Navy Federal Credit Union, I was given a credit for the disputed amounts of {$6000.00} and {$10000.00} for both credit cards. Later this credit was removed and the charges were said to be found as valid. I reopened my dispute several times and included the communication from XXXX support with them verifying that I, XXXX XXXX, had never done business with them or signed any contract. I had gotten them to send me the associated contract for the charges they pushed onto my card which was signed by a XXXX XXXX. When I confronted them that the contract had no attachment to me, but that my card was fraudulently used to pay it, XXXX informed me that they would need to contact their legal team. They Then asked me to dispute the charges with my credit card as they could not communicate with me any longer or offer support. I forwarded all this information to XXXX XXXX whom still refused to open a dispute even with the correlating evidence/documentation. 

Dispute Numbers : XXXX {$6000.00} XXXX {$10000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank became unavailable today on XX/XX/XXXX. I was unable to log in from the mobile app or the website for many hours. I was unable to call Truist because they decided they were going to close the call center on weekends, but at the same time, do maintenance that would prevent account access on that weekend. It's my XXXX money, don't stop me from accessing it. 

After the outage was resolved, I logged into the app. For some reason Truist thinks it's okay to let me log in. But they blocked my access to XXXX. My XXXX access has been suspended for " too many verification attempts ''. 

The entire app was down. So every time I tried to log in, with the CORRECT password, it counted as a FAILED VERIFICATION. And I can't call anyone for help. I have bills to pay today with XXXX. What the actual XXXX. Truist is the worst bank I've ever dealt with. Truist should be fined for blocking my access to funds.

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 2024-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am writing to formally file a complaint against my mortgage company, HomeLoanServ, regarding their handling of my mortgage payment for XX/XX/2024. 

On XX/XX/2024, I notified HomeLoanServ that my payment would be posting late due to significant damages to my property in a XXXX disaster zone caused by a tornado in XX/XX/2024. Given these extraordinary circumstances, I requested a waiver for the late fee and asked that my late payment not be reported to the credit bureaus. My request was based on advice from the Department XXXX XXXX XXXX XXXX VA ), which recommended seeking forgiveness for this month due to the XXXX disaster area designation. 

Despite my situation and the VA 's guidance, I was informed by a representative of HomeLoanServ that my payment would be reported as late regardless of the circumstances. This response is deeply concerning, as it fails to consider the impact of the natural disaster on my ability to meet my financial obligations promptly. 

I believe that HomeLoanServ 's refusal to accommodate my reasonable request for a late fee waiver and protection from negative credit reporting in light of the disaster is both unfair and unjust. As a responsible homeowner facing unforeseen challenges due to the tornado, I have made every effort to manage my obligations during this difficult time. 

I am seeking the CFPB 's assistance in ensuring that HomeLoanServ : Waive and refund the late fee for my XXXX 2024 mortgage payment. 
Does not report the late payment to the credit bureaus, considering the extenuating circumstances related to the XXXX disaster zone. 
Furthermore, I request that the CFPB review HomeLoanServ 's policies and practices regarding customers affected by natural disasters to ensure they are compliant with applicable laws and regulations and that they provide appropriate support to their customers during such times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX  XXXX acct # XXXX, and XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to XXXX per month per illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.

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 2024-07-07 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: TN

Complaint narrative:
Experian refuses to report my correct name. I have disputed over and over. They are posting my father 's name. Have been doing so for years. I only have one name, XXXX XXXX XXXX XXXX. The inability to post accurate information has caused me severe problems with loans, housing even eating. Doesn't the fcra state that if a CRA knowingly posts inaccurate information they can be held liable? DO YOUR JOB CFPB. I want those fines paid to me post haste. After receiving this dispute they have only 30 days to delete, update or verify. Unless they file in writing for an extension, and then no longer that 45 days. XXXX, no 46 days and no 60 days. If an extension is granted I want a copy of the application. Report my correct name and pay me my damages. NOW

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 2024-07-07 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: AZ

Complaint narrative:
Unauthorized account open in my name with XXXX XXXX that is reporting as a charge off on my report for {$590.00}.

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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
XX/XX/XXXX - An online purchase was made on the Best Buy website for two open-box items. The next day I received two emails stating the products ' unavailability and subsequent cancellation of my order. Typically, a charge for a cancelled order is removed from the customer 's account. However, this one never was. I brought it to Citi bank 's attention and they instructed me to file a dispute after the charge fully posted. 
XXXX XXXX I filed a dispute per the instructions I received, expecting a swift resolution since the product was never shipped or made available for pickup. 
XXXX XXXX The dispute was declined. Within the evidence packet there was a surveillance photo of the product somewhere in the store with an attached note stating, " Store associate forgot to scan out product ''. I fail to understand how this is sufficient evidence as I was never notified that the product was ready for pickup, so there would not have been any logic for me to be physically at the store. Additionally, there was no evidence of me being in a store that is XXXX minutes away from my home address. 
XXXX XXXX XX/XX/XXXX : Citi has instructed me to handle the resolution with the merchant themselves, Best Buy. I have made dozens of calls to the Best Buy support line where they have acknowledged a refund was supposedly submitted to my card on file in XX/XX/XXXX. There is no evidence of this refund within my card statements and Best Buy has steadfastly refused to provide any more context on this refund or attempted to reconciliate what happened to those funds. 
XX/XX/XXXX- I submitted more evidence of the dispute to both Best Buy and CitiBank and it has yet to be acknowledged. I finally was able to get in contact with a dispute XXXX at Best Buy, however he refuses to take any action regarding my case and has actively discouraged me filing cases with the BBB and CFPB. I feel like I have exhausted all of my options as a consumer so I am hoping that this complaint will lead to a fair resolution so that I can move forward with becoming a first-time father this fall.

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 2024-07-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have my personal statements on my XXXX such as experian, XXXX and XXXX that are reflecting that affects any newly applied credits of mine to any Financial Institutions and also, my old phone number is the XXXX listed for fraud alerts indicated on the personal statements or consumer statements on each Federal credit monitoring Bureau 's which precisely incorrect and I am requesting for a removal of all the personal statements on every Credit Bureaus its all made available and reflecting. And also, update my phone number from XXXX to XXXX as it is my updated, new contact cell phone number i basically have and using now already from XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my Transunion credit report. 
XXXX. XXXX XXXX SERVICES ( Bank ) XX/XX/year> XXXX. XXXX XXXX SERVICES ( Bank ) XX/XX/year> These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act :

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 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I got notification that my Sofi checking account was placed in restricted mode and to call customer service for more information. When I called the bank they told me there was no information they could give me, no reason for the restriction, and my money in my account was not accessible to me. When asked how long it would be this way, they said they could not provide any information. That is just plain horrible and malicious behavior for a bank to hold someones funds who barely lives paycheck to paycheck. The funds in my account may not be much to them but to me every penny matters when you are trying to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The amount XXXX was an unauthorized charge on my chase checking account on XX/XX/year> for guerlain.com. I file dispute with chase bank and chase ask me to contact merchant. Merchant provide information shows shipping address and billing address both are not match my bank account. But the transaction is still go through. And chase told me they wont able to assist me with this fraud transction. Billing address is wrong the transaction supposed to be denied. Isnt it?

Company response to consumer: Closed with monetary relief