vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> my accounts were closed. I went into the BMO office branch on XXXX XXXX XXXX in XXXX and spoke with XXXX XXXX about my account. He was sort of helpful, and he helped connect me with the " back office '' that was managing my account. The woman on the phone told me there is nothing I can do to regain the funds, and checks were already being mailed to my address. When I told her the address was incorrect she said there is nothing I could do as well. I know for a fact that IF those checks were ever sent out, they were not even sent until a week after I made contact with them, they have intentionally been holding onto my money ... basically months and months and months go by with tons of communication and no checks... I just barely got a check for around XXXX but they still owe me more. They are doing this on purpose. It has been over XXXX months and they still owe me XXXX ... they didn't even get my requested bank statements to me until this month. Completely unacceptable.

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 2024-11-21 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: TX

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 my 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 to be updated.

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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 XXXX 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 2024-11-21 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: SC

Complaint narrative:
I discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws that have directly impacted my credit and my rights as a consumer. These are the specific issues : Failure to Verify Accuracy The agency accepted and reported incorrect credit information about me without verifying its accuracy, which violates FCRA Section 616. This willful noncompliance carries civil liability of up to {$1000.00} per violation. 

Lack of Disclosure of Opt-Out Rights I was not informed of my right to opt out of sharing my personal information, which is required under FCRA Section 603 ( d ) ( 2 ) ( A ). This omission is deceptive and disregards my rights. 

Inaccurate Reporting Inquiries and accounts were added to my credit report without proper validation, violating FCRA Section 623 ( a ) ( 3 ). This has led to inaccuracies that harm my credit.

Unfair Debt Collection Practices Debt collectors reported inaccurate debts and accounts without my consent, causing me unnecessary distress and unwanted contact from creditors, in clear violation of the Debt Collection Practices Act. 

Unauthorized Disclosure of Information My personal and financial information was shared with third-party credit reporting agencies without my authorization, violating debt collection and privacy laws.

Misleading Late Payment Reporting Late payments were reported on my credit report without defining what qualifies as " late. '' This is both deceptive and inaccurate, failing to meet the standards set by FCRA Section 1681e ( b ). 

Errors in Finance Charges The agency failed to determine finance charges accurately, which is a responsibility they are legally required to fulfill. 

Reporting Without My Consent Information was included on my credit report without my written consent, violating the permissible purposes outlined in FCRA Section 604 ( 15 U.S.C. 1681b ). 

These violations have caused me significant distress, damaged my creditworthiness, and violated my rights as a consumer. I have taken steps to dispute these inaccuracies and demand that the agency take immediate corrective actions, including updating or removing specific accounts and inquiries. If these issues are not addressed promptly, I will have no choice but to pursue legal remedies as provided under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have been with Navy Federal Since XXXX as an out of state subscriber. I don't live near a branch  and have to conduct business online or over the phone. I feel that I have been discriminated against due to there bank processing fees, tricking me to pay on a credit card without telling me they closed the account, and recent learning that fees fees of XXXX  have been placed on my account since XXXX XXXX XXXX If I do not  call they wont make the adjustment/have not made the adjustment during this time of lawsuits pending concerning unfair banking practices, discrimination towards members which I feel I have been a victim of as well. As an out of state subscriber it has caused me a great deal of stress banking with this organization. i have a total of 23 fees totaling XXXX in the amount XXXX XXXX from the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
It has been my experience, especially since the pending class action suit depending who answers the phone to assist when you call, some are willing to make the corrections and some are not. The fees not listed which there have been more i have questioned about the process of funds available  prior to fees accessed and they have been adjusted(at least over 10 more)

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION XXXX XXXX AND XXXX XXXX reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, another personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; A COLLECTION with XXXX XXXX XXXX XXXX opened on XXXXunder the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I made my usual weekly recurring deposit of {$50.00} on XX/XX/year> which should result in XXXX reward points. It posts every week but this week it did not. I contacted customer service via chat who advised it would be credited by XX/XX/year> but it was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account with signatures from all parties. I have been contacted by XXXX other companies regarding the same debt, which raises serious concerns about its legitimacy. To resolve this matter, I am formally requesting that you provide a detailed chain of custody for this debt. This should include full documentation of its transfer or assignment, starting from the original creditor through any subsequent parties, including your company. If you can not provide the requested documentation to verify your legal right to collect this debt, you must delete this debt from my credit report. Failure to address this matter adequately will leave me no choice but to consider legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
KINDLY BLOCK AND REMOVE. Please promptly remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review and referencEe

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 2024-11-21 00:00:00
Product: Mortgage — FHA 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Originally began the process of taking assumption of my mortgage loan from my ex on XX/XX/year>. XXXX and forms requested were all sent over via email ( see attachments ) on XX/XX/XXXX. On XX/XX/XXXX, I was able to speak with a mortgage consultant, XXXX XXXX. She reviewed all my paperwork, talked me through my options which involved a XXXX, a couple remaining items ( more recent pay stubs, see email attachments ), which were all sent over on XX/XX/XXXX. Since this time, I have been unable to receive confirmation that any of these documents were received, unable to speak with XXXX XXXX after many unanswered calls, voicemails left, and unanswered emails. The next step in this process was supposed to be underwriting ( which was originally communicated in XXXX as taking XXXX days once in underwriting ), so I tried to be patient. I eventually reached out to the generic NewRez phone line ( see list of phone communications below ) and no one could provide me with an answer, and it was recommended to send an email ( of which I have been doing and getting no response, see email attachments ). This has been completely unacceptable. My ex and I are both trying to move on from this situation and this has gone on long enough with no resolution, updates or explanations for the delay and lack of communication. 

Phone communications : XX/XX/XXXX XXXX XXXX - outgoing, NewRez XX/XX/XXXX XXXX XXXX  - outgoing, NewRez XX/XX/XXXX XXXXXXXX XXXX  - outgoing, NewRez XX/XX/XXXX XXXXXXXX XXXX - outgoing, NewRez XX/XX/XXXX, XXXXXXXX XXXX - missed call, XXXX XXXX XX/XX/XXXX XXXX XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXXXXXX XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXX am - ougoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXX pm - incoming, XXXX XXXX, XXXX hour XXXX minutes review of all docs, XXXX app XX/XX/XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXXXXXX XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXX XXXX XXXX outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXXXXXX XXXX - outgoing, NewRez - spoke with someone, no update or explanation available

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 2024-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Experian, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( XXXX certified mail tracking number XXXX ), and I received a response dated XX/XX/year> via email. 
The second letter was mailed on XX/XX/year> ( XXXX certified mail tracking number XXXX ), highlighting the same inaccurate items in my credit report. On XX/XX/year>, I dispatched another dispute letter to Experian, highlighting the same inaccurate items in my credit report. However, the response from Experian, dated XX/XX/year>, via email, appeared identical to their initial reply. 
In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.

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 2024-11-21 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: FL

Complaint narrative:
I am sending this letter to formally contest multiple entries on my credit report that I feel were reported in violation of the regulations of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Based on the established legal decision in this particular case, I respectfully ask for the deletion of these accounts from my credit report or for them to be modified to accurately represent a neutral or positive status. By doing this, it would guarantee that my credit report is an impartial and precise depiction of my credit history. The following are the referenced accounts that require updating to reflect positive information or removal from my credit report. More precisely, I am contesting the following issues on my report.Upon receiving a copy of my credit report, I discovered several erroneous entries that are being inaccurately reported :

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