vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$9500.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} -- / -- XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$290.00} -- / -- NOT PROVIDED XXXX {$75.00} -- / -- 15 U.S.C, 1681section 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 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 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 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 non-monetary relief
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
My personal information was lost/stolen during my tax preparers relocation in XXXX, and I was notified and advised to monitor my accounts going forward. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge of. I also see numerous credit inquiries where someone is attempting to access lines of credit in my name in addition to listing addresses I have never resided. I contacted the credit reporting agencies to advise them of the accounts that are not mine being reported on my credit profile, I requested verification and have yet to receive a formal response. I have the right to privacy and have not given any written consent for this information to be reported to my profile and doing so is in violation of 15 USC 1681B Also furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that addresses where I never resided being reported to my profile be removed. This is causing erroneous accounts to be inaccurately reported to my profile and impacting 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My account was broken into and fraudulent checks were used deposited inside to funnel out to outside accounts. I saw this well I thought I did bye submitting all these forms and going to the bank now this case that was supposed to be closed is now resurfacing and Im getting blamed for it now my account says - {$4000.00}. Please send this to Navy Federal please Please send this to the other bank thats accusing and please indicate for me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I just spoke with a person who said he was manger who called from XXXX ( XXXX ) XXXX After speaking I realized again that I was not going to get the issue resolved. The person told me there is no one else to speak to. Again I was told by a representative that once my monthly installment is paid all monies go toward the balance. This did not happen. Well a payment of XXXX and XXXX has been misapplied My wallet app shows the incorrect payment date. The person who called attempted to put another layer of explanation on top of what I have already been told He also stated there is no one else for me to speak with and he cant correct my payments. I find this impossible to understand. I have sent monies that have been misapplied to the wrong balance. I would like these corrected please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: IN

Complaint narrative:
I've consistently called Valon Mortgage INC, and I have been hung up on several times after I've asked to speak with a supervisor to obtain information that would assist me with filing a complaint with the federal government that overseas grievances that consumers have against their mortgage company practices and procedures... the company fails to provide this specific information to me.. 

I've consistently asked to have supervisor 's call me back from the escrow and PMI departments and to this day none have. I've paid the additional {$190.00} amount of money required to have procedural evaluation to remove PMI and after the home visit and evaluation no one has contacted me. 

I've consistently asked to have the escrow removed and after speaking to the insurance department on various accounts, I was hung up on once, told a supervisor would give me a call back another time, and told by another to send an email if I wanted to communicate with someone. No one has reached out to me nor attempted to contact me. 

I've also attempted several times to get information on why my monthly mortgage payment increased twice within a one month period..they refuse to give me a reasonable response... 

I've continuously asked for the opportunity to speak to a live human being in these departments and continuously told tickets are generated and call backs coming... that has been untrue and currently not occurring. 

I've tried again today..my attempts to informally resolve my grievances are fruitless. The inability to speak to a supervisor and management, and or provided the opportunity to speak with a live human being in specific departments is the core contribution to these unresolved issues. 

It is unrealistic, unacceptable and unprofessional for a mortgage loan company to deny a consumer the opportunity to interact with a live human being in specific departments to communicate and resolve problems considering they are paying the company for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my credit report, conducted by Equifax. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I have the right to request the deletion of any inaccurate or incomplete information from my credit file. The investigation has determined that the disputed items do not meet the necessary standards for inclusion in my credit report and should be removed immediately to ensure compliance with federal law. 

I am disputing the following personal information : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, OK, XXXX Employer : XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX  XXXX, OH, XXXX Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, OH, XXXX Additionally, I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am disputing the following collections : AXXXX XXXX XXXX XXXX XXXX  Finally, I am disputing the following inquiries : 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 non-monetary relief
Consumer complaint received 2024-02-27 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: MD

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my consumer file with Experian. The information in question pertains to late payments attributed to accounts listed on my consumer report. Pursuant to relevant federal statutes, including 15 U.S. Code 1666b, 5 U.S. Code 552a, 20 U.S. Code 1232g, and 15 U.S. Code 1681b, I assert that these late payments are in violation of my rights and federal regulations, and therefore, should be expunged from my consumer report without delay.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the necessary information required by law, is mailed or delivered to the consumer at least 21 days before the payment due date. Failure to comply with this requirement renders any late payment designation invalid. 

Moreover, the Privacy Act of 1974 ( 5 U.S. Code 552a ) stipulates strict conditions for the disclosure of records contained in a system of records, including the requirement for prior written consent from the individual to whom the record pertains. This extends to information related to a student 's application for or receipt of financial aid, as outlined in 20 U.S. Code 1232g.

Additionally, under 15 U.S. Code 1681b, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Without such authorization, any addition to the consumer report constitutes a violation of the Fair Credit Reporting Act.

Therefore, I demand the immediate removal of late payments attributed to the following account : Dept of Education/XXXX [ Account Number : XXXX ] Late payments in XXXX : XXXX, XXXX, XXXX, XXXX Late payments in 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened an account with XXXX XXXX aka XXXX. it is CURRENTLY OPEN & in good standing! TransUnion removed this account from my report. That is inaccurate because the account is open. it's also reporting to my XXXX and XXXX ( shown in the attachments ) accurately. tRANSuNION NEEDS TO PUT THIS BACK ON MY REPORT IN GOOD STANDING. Ive tried to fix this situation with TransUnion directly with no success. TransUnion had NO REASON TO REMOVE IT FROM MY REPORT. Attached : Proof that it is reporting accurately to my XXXX and XXXX Credit profile. TransUnion needs to update this account ASAP. If this doesn't get resolved like previously asked then I will proceed with legal actions.

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 2024-02-27 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:
Despite my persistent efforts, these concerns remain unaddressed. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as detailed in my previous certified mail, is overlooked, I will escalate the matter by filing a complaint with the Federal Trade Commission. It's imperative for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to do so will require the immediate removal of these disputed items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I looked up which banks were offering bonuses for opening a checking account and determined which bank to go with which was Wells Fargo.It was contingent on me opening a direct deposit of at least XXXX within 90 days. It was opened XX/XX/year>. I called them today and was told there was no record of my entering a number for the account. I really don't remember if I put a number in but it seems if there was a spot for it I would have done it. My question to you is can they offer something, you apply and then get approved and then told its by invitation only basically. I know I did get a offer through the mail about the bonus on the credit card I have with them and they fulfilled the bonus. I actually applied for a second one and was turned down with some lame excuse about not knowing if I was going to keep it paid. I have credit score in high XXXX 's and cards with XXXX for over XXXX worth of credit that I currently owe @ XXXX dollars. I only did it because it was the fourth one I had received from them. Please let me know what you hear from them. I did ask them how many people they had done this too

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2024-02-27 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I filed a complaint to the CFPB that American Express gift card on XX/XX/2024 that I am unable to use this gift card because it would always come up error. 
On XX/XX/2024 American express responded through CFPB with a solution of canceling my gift card and mailing me a check. I have never received a check. I have called American express 3 times and the answer is the same someone will get back to me in two business days. They have never gotten back to me at all. 
As of now my card is canceled and I have no check. As far as I am concered this is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 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: CORELOGIC INC
State: FL

Complaint narrative:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief