vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

I looked at my report and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because. 
INQUIRY - XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY - 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 non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Applied for a Navy Federal Credit Union ( NFCU ) loan with XXXXcredit score without a high debt amount. 

The NFCU Loan officer reviewed saw in my paperwork that I outright owned a house ( without mortgage ) and was adamant that I explain why am I moving if I already have a house that I own. I explained that it was my personal choice, but this NFCU rep specifically wanted to know if I would sell or rent my house, as if I didn't have an option to simply 'keep " my paid off house. Any customer could be inclined to make a deliberate plan to sell or buy their home based on a loan officer 's statements about inability to move forward in another mortgage loan process. THIS WAS NOT RIGHT! 

This line of questioning was not appropriate, and would suggest that a customer can not be approved for their NFCU mortgage if a residential home is. She continued to threaten me with my mortgage rate increasing from 7 % to 15 % ( as an investment home ) if I did not submit her requested paperwork and my application package would not be sent to underwriting unless i complied with these explanatory demands. 

I felt I was being discriminated as a homeowner wanting a better home. I am an African-American woman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
According to the FCRA, all information on my credit report must be accurate, complete and verifiable. I believe the reporting of discharge off is in accurate and incomplete, for the following reasons charge is considered as income on the IRS rules a charge of may be considered income for tax purposes when the creditor writes off the debt and issues a form 1099C for the forgiving amount. This implies that the debt has been forgiven and should not continue to Impact my credit report negatively reporting this charge off without indicating that he has been forgiven, creates an incomplete and misleading picture of my credit worthiness. Section 611 of the FCRA, I am requested verification of accuracy of this charge off. Please provide documentation that confirms the legitimacy and accuracy of discharge off, including any form 1099-C issued by the creditor. If you are unable to verify the accuracy, incompleteness of this information, the charge off must be promptly deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 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 XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 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. 
XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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

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 2024-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX i got weird email from a weird company by the name of Sequim collection debt collector falsely stating that a debt was owes in the amount of {$54.00} saying that i must contact their office by XX/XX/XXXX XXXX also very weird. I then replied to their email XXXX and XXXX on XXXX XXXX requesting that a NOTICE OF CEASE AND DESIST FROM CONTACTING ME AGAIN ABOUT THIS DEBT IS NOW BEING DEMANDED AGAINST SEQUIM AND XXXX AND XXXX. A CEASE AND DESIST FROM CONTACTING ME AGAIN ABOUT THIS DEBT. THIS COMPANY NOW HAS BROKEN THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 ( a ) Abusive practices 15 USC 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692c- ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 USC 1692c- ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 USC 1692e-False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any
services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

THIS COLLECTION AGENCY THINKS IT IS ABOVE THE LAW, I HAVE ENCLOSED ALL THE EVIDENCE TO SUPPORT MY CLAIM AGAINST THIS COLLECTION AGENCY ( SEQUIM ) THERE IS NOTHING OWED YET THEY THINK I'M STUPID AND THINK A CAN NOT READ CFPB THIS AGENCY HAS 5 FDCPA VIOLATIONS {$900.00} PER VIOLATION FAIR DEBT COLLECTION PRACTICE ACT. A COMPENSATION IS A REMEDY FOR THESE VIOLATIONS THAT ARE PRESENTED HERE. CFPB PLEASE HELP WITH THIS FALSE, FAKE INTIMIDATING PRACTICES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried talking to a citibank fraud call center rep ... and again got nowhere very fast... i requested him to facilitate unlocking 'temporarily '' the old checking account ( the account ending in XXXX that has XXXX deposited on XX/XX/year> is the blocked acct ; refer to the attached image files ) to transfer my direct deposited XXXX XXXX  check to my new citibank XXXX XXXX acct... but he said he couldnt send a verification code to any of the personal phone numbers i gave him ... that they were not " verified '' or trusted (?? ) ..so i am unable transfer my direct deposit money unless i go to a local citibank branch to resolve this issue ORb ith the help of CFPB!! 
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 2024-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On before XX/XX/year> I never received my notice to cancel per XXXX  and a loan servicing never filled out XXXX form for foreclosure which makes foreclosure invalid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: OH

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS EMSNAVYFCU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.SXXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-06-05 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
This is very long story and I'm willing to share, however, after hundreds of efforts, my credit reports are only getting worse. I would like to sue all three credit reporting agencies so maybe they will listen to my complains in the court. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
This is very long story and I'm willing to share, however, after hundreds of efforts, my credit reports are only getting worse. I would like to sue all three credit reporting agencies so maybe they will listen to my complains in the court. Thank you

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 2024-06-05 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: NC

Complaint narrative:
Last week, I noticed a duplicate bogus account on my Equifax report, which is being reported to lenders and various credit reporting tools ( e.g., XXXX XXXX XXXX XXXX XXXX 

I have spent numerous hours trying to resolve this issue, but Equifax has refused to help, claiming it is not their problem. After investigating further, I discovered that the incorrect information is being reported to XXXX XXXXXXXX XXXX, and possibly many lenders. 

My report includes a closed, old account from XXXX XXXX, which was paid off when my husband wrecked the car. Despite numerous attempts to resolve this with Equifax, I found that they are still reporting the bogus account. Moreover, they are reporting it as two accounts to other agencies like XXXX XXXX and XXXX. 

The attached documents show that Equifax is reporting two bogus accounts and duplicating the same account to XXXX XXXXXXXX XXXX, and an unknown number of lenders. This is a violation of the FCRA. Despite my efforts, Equifax knowingly continues to report this incorrect information. If they do not correct it, I will have to pursue legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: MD

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Removal of XXXX XXXX doesn't exist Removal of XXXX {$XXXX} doesn't exist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing number:XXXX ; an account numberXXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-05 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: TX

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. 

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 the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-05 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I applied to open a credit card with Wells Fargo due to an advertisement with their partner, XXXX. I contacted Wells Fargo to close the account by phone call later that day, because the partner did not offer the services advertised, and I was not notified of XXXX not providing the offered services until I had already opened the credit card. When I contacted Wells Fargo, they refused to close the account because it was too new, and they needed 5-7 business days before they were willing to close the account. They refused to close the account when they were first able to, and instead insisted that I call back and close the account, rather than them closing the now unauthorized account. Their customer service was belligerent and rude after XXXX escalations, and refused to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation