vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have 2 disputes with 2 of my credit cards with Capital One, per regulation Z and ZZ of the fair credit act they chose not to follow and defend me with the requested documents they requested me to provide, I call and they are spinning there wheels which contradicts there own black and white letters. XXXX ) Case # XXXX for {$110.00} XXXXXXXX merchant voided a transaction and does not have a sign slip for the transaction on card XXXX. Case # XXXX for {$120.00} XX/XX/24 card ending XXXX, this transaction was voided by XXXX due to suspect of fraud, and they cancelled the purchase 8 times. But they charged me 1 time. I have asked for this items to be credited or redisputed to the merchant in good faith to me the cardholder. I pay capital one all the time I do not deserve this. Capital One is notorious for not doing the right thing in disputes and ignores important details with offshore agents that do not know how to dispute items in a attempt to wear people down so they do not persue the claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I answered a solicitation form XXXX XXXX ( XXXX ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, LexisNexis. No report shows me as deceased. I wrote back to XXXX XXXX to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue XXXX XXXX in order to find out who is misinformed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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 was reviewing my credit report with Transunion XXXX XXXX and discovered an inquiry from XXXX Bank that was done on XXXX XXXX. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.

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 2024-02-08 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
INDIGO is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. INDIGO does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I applied for a mortgage from XXXX Mortgage yesterday. Today I have received over XXXX text messages and over XXXX unsolicited calls in XXXX hours from other lenders and scammers. I contacted XXXX Mortgage regarding my concern and was told the credit bureaus sell your information to other lenders when you apply for certain types of loans. This is completely unacceptable in my view. I have no way to stop these calls and they just keep coming and it is impacting my ability to do my job. This process should be illegal. Most of the calls are from scammers as well. I know Experian was the credit bureau that XXXX used.

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 2024-02-08 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: CO

Complaint narrative:
My original disputes were opened on XX/XX/year>. Experian had until XX/XX/XXXX th, XXXX to investigate, they did not investigate. Evidence of this is in the credit report I printed off XXXX XXXX. The address for the alleged student loan debt has the wrong address. The address was not changed until my second dispute in XXXX, XXXX. These loans have been sold, and are no longer valid. The dept of Education has had plenty of correspondence with me, yet they have not responded to a physical letter. The other credit reporting agencies had the correct address, yet Experian didn't. Despite this, they will not remove the department of education student loans, that are no longer owed. Experian has a slew of violations against me. They were told that XXXX addresses are invalid and outdated, which I have a right to have deleted as well as they have an obligation to delete them. They haven't, they State it remains as history. In Colorado, we have the right to have it deleted. I requested the information that I started earlier, which they have not provided, they said it was frivolous and they aren't going to comply. I was denied credit as a result of a report sold by Experian. Experian is supposed to be fair and equitable yet they aren't. They haven't provided any method of verification, no investigative report, for XXXX I have disputed. They should have either changed the address by XXXX XXXX, or delete it due to their lack of investigation for the alleged student loans. They should have provided method of verification for XXXX XXXX  XXXX  and investigative report also, yet i have disputed 3 times, yet they haven't provided any of the information. The website is very difficult to navigate and to read, I have asked Experian 4 times now to send this information in writing. They failed to do provide in writing, they failed to provide via email, they failed to provide in their website.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I need help with transferring my existing credit line totaling {$32000.00} from my Citi XXXX XXXX XXXX credit card # XXXX to my other Citi XXXX XXXX credit card # XXXX making my revised total available credit on my Citi XXXX XXXX credit card {$37000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.

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 2024-02-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-08 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: WV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: IN

Complaint narrative:
I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 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 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that 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 2024-02-08 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:
This consumer reporting agency Equifax is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my Equifax report and notice 4 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting Equifax with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Equifax knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, Equifax must remove the XXXX inaccurate and incomplete accounts listed in my notice sent to them on XXXX or face legal action for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's XXXX XXXX Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I noticed that my recent credit report contains a late payment reported on XX/XX/2023 for my Truist Mortgage I want you to know that I understand my financial obligations, and if it were'nt for an oversight, I'd have an excellent repayment record. I believe I may have made a mistake when manually entering in the routing number used in making payment on my mortgage. I paid my mortgage on XX/XX/2023 for the month of XXXX. The mortgage payment was made using Truist 's automated payment system. It wasn't until XX/XX/2023 that I discovered that a 30-day delinquent notice had been applied to my credit score. I called Truist the same day, and was told that they were aware of the payment made on XX/XX/XXXX and that it was returned. I was also told by the payment associate that there may have been a number entered incorrectly which prevented the payment from going through. Through the life of the loan I have tried to make every payment on time to prevent any detriment to my credit score. The funds were readily available at the time of the XX/XX/XXXX payment. 

I have recently found out that the negative effects on my credit have already taken hold and have forced another institution to sever ties with me. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment in XX/XX/2023.

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 2024-02-08 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: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
The mortgage servicer of my mortgage received funds from the Federal Homeowner assistance program to reinstate my mortgage loan on my house XX/XX/XXXX. Received Letter Trustmark on their letterhead stating that I was approved for 3-month trial period plan XXXX XXXX. 1st payment XX/XX/XXXX was told to make payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay 1st trial payment for XXXX XXXX, XXXX. Trustmark Bank teller refused to take my payment she said her computer showed payment to be {$1500.00} she was rude began to argue with me. She told me her computer showed the mortgage payment was for a different amount from amount I was paying she could not accept my payment. Returned Trustmark Bank with Trustmark letter showing the trial amount was {$1400.00} XX/XX/XXXX, I was allowed to make the payment. Trustmark Bank has canceled my trial modification because they say I broke the promise didn't receive payment before XX/XX/XXXX I wasn't allowed to make payment. Resubmitted request for mortgage assistance with financials explanation for the payment they received. Received call from XXXX XX/XX/XXXX Trustmark bank collections she was rude, unwilling to assist me with saving my home from foreclosure.

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 2024-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
On XX/XX/XXXX I advised the Navy Federal Credit Union ( NFCU ) call center that my interest 1099 for taxes was still being mailed to an old address that was changed in XXXX of XXXX. I was advised by XXXX that it was a membership error and the XXXX Department would fix it. Due to other issues with NFCU in the past, I asked to speak to a supervisor, I was told I would be called back before the end of the day. I received no call and called back on XX/XX/XXXX and spoke to XXXX, who advised she was a call center supervisor, she ensured me that the error would be fixed but I could not speak to the XXXX Department. I additionally requested an updated 1099 sent to the correct address, this was never provided. I was assured that all of my other account information was updated. I had reviewed my account information online and could not find any place the old address remained. 
The XXXX tax year 1099 statement was again sent to the previous address, since this is a tax issue and has been incorrect since XXXX I am filing this complaint. The current owner of my old residence, who is a friend, forwarded my 1099 statement again. NFCU has failed to comply with federal law in providing mandatory tax documents.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that Citi Bank supplied to XXXX, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two Accounts ( XXXX open XXXX XXXX & 542418xxxxopen XXXX XXXX ) that I previously had with CitiBank. 


Prior to the Pandemic I had Impeccable Payment history XXXX  credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of  XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to CitiBank in reference to 2 Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that CitiBank remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXXXXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.

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