vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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:
I have two late payments reported on my credit report for XXXX and XXXX XXXX XXXX XXXX XXXX but those payments were made on time. I take my financial responsibilities very seriously, and it's crucial that accurate and correct information is reported. I am requesting a thorough investigation into this matter. Before updating my account, I ask that you provide me with proof of your findings and a detailed explanation of the steps taken to verify this informationrelying on hearsay is not acceptable. I request that these late payments be updated and corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This credit is from a rental company that I never lived in

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 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
We've been trying to get a loan modification since XXXX and they've come back 3 times asking for us to fill out the same paperwork over again. They sent someone to our home twice with a big yellow notification taped to our door to call them when I'm working with a law firm and have provided all the information they requested. This is M & T Bank! They are harassing us.

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 2024-08-22 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. 
i want file fruad alert on my credit since too, i didn't file or /apply for any credit line/card/loan XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXXXXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX. 
XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. 
i want file fruad alert on my credit since too, i didn't file or /apply for any credit line/card/loan XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX. 
XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX 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 2024-08-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I made over {$5000.00} in payments to Sally Mae then Navient. what happened was Sally Mae was banned from servicing student loans so they changed their name to Navient, from what i understand. I called Navient every month to make the payment and when i asked how much i needed to pay Navient told me I needed to pay an amount of {$61.00}. The problem I learned much later after making almost 10 years of payments was the payment I made didn't even cover the interest accruing on the loan. Navient never informed me of this or told me the payment I was making wasn't enough to even cover the interest. So an original loan of a little over {$8000.00} tht i had paid over {$5000.00} in payments was now over {$16000.00}. I then transferred my loan to the Department of Education because i was so upset with Navient and navient had the Department of " education purchase the loan for {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
l exercise my rights as a victim to use XXXX XXXX XXXX XXXX with Equifax. I submitted a letter stated which adverse items were to be blocked, I submitted a XXXX XXXX XXXX  confirmation letter from the XXXX. I submitted my state id Under section 605C of the Fair Credit Reporting Act my items was supposed to be blocked. Equifax stated they removed the adverse items they believe should be removed and kept what they believe should be kept on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/2024, Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-08-21 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/2024, Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I previously was a victim of identity theft so i had a fraud alert on my profile. While always monitoring my profile i have realized numerous inquiries that were not of my doing i have tried to take them of on line with the respestive bureaus with no sucess. i am in need of great help for thi is a hinder on improving my families quality of life.

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, {$12000.00} was debited from our business checking account without our authorization through an ACH ( XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). We promptly notified the bank the same evening and filled out the necessary paperwork to report the fraudulent debit and have our account credited the funds that were taken. We received the following information from the bank : XXXX XXXX of XXXX XXXX XXXX in XXXX, KY posed as a legal representative of our company, XXXX XXXX, and filled out an ACH debit form to have {$12000.00} transferred from our bank account to XXXX XXXX XXXX XXXX, XXXX in XXXX, VA. The funds are being held in their account in XXXX XXXX XXXX  and have yet to be returned or credited back to us. Neither Bank of America nor XXXX XXXX have been helpful in getting our money credited back to our 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 monetary relief
Consumer complaint received 2024-08-21 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I filed a claim with Navy Federal regarding a refund that I did not receive from XXXX. I provided screenshots to Navy Federal from XXXX customer service that confirmed I am due a {$260.00} refund. I also sent as many documents as were permitted to Navy Federal also confirming they canceled my refund request previously, which lead to the necessary refund of {$260.00}. Navy Federal provided me a provisional credit, but reversed it. Navy Federal has a XXXX liability policy for transactions that have been confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IA

Complaint narrative:
I processed a payment for {$1000.00} on my vehicle loan to be taken out of my chase checking account. This payment request was done on XX/XX/year>. Upon me checking my chase account this evening, I found they processed a payment for XXXX. I did not authorize that amount. I reached out to PNC to have them stop the payment, they could not. I called chase, and they can stop the payment but it would cost me {$38.00}. So I reached back out to PNC to see how quickly they can return the funds once it has cleared. They advised that the overpayment can only be sent via mail. Their error in payment processing is going to cost me at minimum 7 days of over draft fees on my account. Of which they do not care. They refuse to issue a refund in any other means then a check. Their systems issue is going to cause me XXXX  of dollars in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024, bank decided to close my both accounts when my claim # XXXX, about {$2900.00} is in process and now it's invisible 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 monetary relief
Consumer complaint received 2024-08-21 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:
I am writing to address an issue on my credit report regarding late payments reported for XXXX, XXXX, and XXXX on my XXXX XXXX account ( Account Number : XXXX ). As someone who takes financial responsibilities very seriously, it is essential that my credit report reflects accurate and truthful information. 

I request a comprehensive investigation into these reported late payments. It is important that, before any updates are made to my account, I receive concrete proof of your findings. Additionally, I expect a detailed explanation of the verification process that was followed to determine the accuracy of these reports. Relying solely on assumptions or hearsay is unacceptable. 

I ask that these late payments be corrected immediately to reflect the accurate payment history. Ensuring the integrity of this information is of utmost importance to me. 

As me the person who credit file this is, is providing you with proof these need to be removed 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 explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My husband and I are buying a house. We have the money for our deposit in an Ally savings account. Yesterday we found out we had an accepted offer for a house and submitted a request for XXXX $ XXXX wire transfers to our bank accounts at XXXX. We have XXXX days under contract to get the money. The wire transfers were supposed to go through today. XXXX of them went through this morning. We called at XXXX XXXX looking for a status update on the other wire and they said that they escalated our wire and that it would be done by XXXX. It was not. We called again and they said that it would have to be done tomorrow and there was nothing they could do. This is time sensitive and urgent, and they are not living up to what they said they would do for us.

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 2024-08-22 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: CA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-08-22 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: AL

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 non-monetary relief
Consumer complaint received 2024-08-21 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 company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that's belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To update my name to my current legal name and remove old last names/Incorrect spelling of names/old account/debt/information greater than 8 year 's old. I have provided them with the correct spelling of my legal name and address.

Company response to consumer: Closed with explanation