vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: Synovus Bank
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of Fair Credit Reporting Act by First Progress Card To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by First Progress Card. According to the FCRA, specifically Section A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Additionally, under Section B, it states that a person shall not furnish information to any consumer reporting agency if they have been notified by the consumer that specific information is inaccurate, and the information is indeed inaccurate. 

I contacted First Progress Card regarding inaccuracies in my credit reporting. Unfortunately, the representative I spoke with was unhelpful and did not address my concerns adequately. I emphasized that credit card accounts remain on a credit report for seven years and that I have maintained this account in good standing for over a year. Despite this, First Progress Card has not updated my information with all three credit bureaus without correcting the inaccuracies.

I kindly request that your offices investigate this matter and take appropriate action against First Progress Card for their non-compliance with the FCRA. It is essential for consumers to be protected from inaccurate reporting that can negatively impact their creditworthiness.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-14 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: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Have NOT RECEIVED A 1099c from Either Company Santander Consumer US A out of XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The OTHER is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE # XXXX. These COMPANIES have Charged the DEBT OFF AS A PROFIT OR LOSS AS PER MY CREDIT BUREAUS. SANTANDER CONSUMER USA {$19000.00} & ADVANCIAL FCU {$35000.00}. Under the IRS Utilizing Form 2111 FAILING to SEND THE CONSUMER A 1099c for CANCELLATION OF DEBT. Please REMOVE THESE FROM MY CREDIT BUREAUS IMMEDIATELY, otherwise Im ABOUT TO SUE THESE COMPANIES FOR STATUTORY DAMAGES under the FCRA While STILL CLAIMING I OWE THIS DEBT this is FRAUD. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I did not authorize those following credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My saving account with Citibank had {$430000.00} and on XX/XX/year> a person was added to my account without my authorization and the person transfer all my money to his account online with Citibank, the bank blocked my account, I went to the bank on XX/XX/year> and opened a dispute about my situation and now the bank closed the case and is closing my account without returning my money back to my account. The person that was added to my account in a branch in another estate ( some one that I dont know ) has my money and his account and the bank also blocked the account after he spend {$30000.00} at several stores, the bank is holding my money on his account and I dont see a way to get my money back because the bank is not working the way they supposed to work with me, XXXX filing very bad and I dont know what to do to get my money back.Help please!!!!

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
LVNV Funding LLC is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.

I have made previous attempts to fix these issues directly with them and they are continuously violating my rights. I'm entitled to {$1000.00} for every violation I listed, therefore I'm demanding they either pay me or delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
For context, the mortgage company " SLS Servicing '' / " NewRez '' / " Shellpoint Mortgage '' is all the same holder of my mortgage- they have changed their brand name three times in three years. After seeing a XXXX rating average review of below XXXX stars of about XXXX reviews, I can understand why they keep changing their name. Reading those reviews, my experience has been consistent with thousands of others who mortgages have unfortunately been acquired by this company. 

In short, I have a traditional mortgage on my home that I purchased about three years ago. 

I have made every single payment on time or early in the exact monthly amount due. Just to make it extra clear, I have never paid a principle-only payment of any kind. They only options the mortgage company provides online are " principal payment '' or " one-time payment '', so of course I always select " one-time payment ''. 

In XXXX of 2024, they took my monthly payment but did not apply it to the principal. Then, we get in this trap cycle each month : -then they say I am late -they add a late fee -they require an additional {$3500.00} payment of my own cash to be " on time '' and not harm my credit -they finally reverse the transaction about 30 days later -they admit it was their fault and waive the fee ( on my recorded line ), they say the problem is fixed, that my payment has been applied as a mortgage payment, and that I do not need to pay the next month 's payment since it is already paid -they do not refund my cash to me -then, starting with the new month, they say I am behind again, as if that {$3500.00} is not applied as a payment after all -they add a late fee... rinse and repeat I finally checked with the company that originated the loan and then sold it. My original loan officer ( who is also the branch manager ) of the original company prior spent many hours reviewing each mortgage transaction line and verified that I had paid an extra payment correctly and should be ahead on payments. 

Even after a month of basic communication where she and I have emailed and communicated with the mortgage company by phone, the mortgage company still has not fixed the issue and has not replied to us. 

At this point, the CFPB and legal recourse are all that remain as potential solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Ive tried to acquire a loan with Navy federal on XX/XX/24. They proceeded to tell me they got my Credit information From XXXX XXXX. which is considered a third-Party non affiliate. Seeing as how that is a breach of our contract agreement I would like the CFPB to help me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
Experian is impacting my credit score by reporting an account that is not mines on my credit report The Account name is : XXXX XXXX XXXXXXXX. The Account number is : 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit report and discovered I was a victim of identity theft I found an account on my credit report that I did not open.This has been a problem for me as I am in the process of shopping for a home for my family. Please remove these fraudulent accounts reporting on my credit report 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
Consumer complaint received 2024-12-14 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: NJ

Complaint narrative:
I recently reviewed my credit report and discovered I was a victim of identity theft I found an account on my credit report that I did not open.This has been a problem for me as I am in the process of shopping for a home for my family. Please remove these fraudulent accounts reporting on my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I recently reviewed my credit report and discovered I was a victim of identity theft I found an account on my credit report that I did not open.This has been a problem for me as I am in the process of shopping for a home for my family. Please remove these fraudulent accounts reporting on my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, this XXXX bank told me they were closing the account an gave me a confirmation number for the closure. XXXX XXXX XXXX # XXXX. There was a {$53.00} balance and I was told a check would be mailed to me. I never received a check after over 3 weeks. I called in again on XX/XX/year> and asked them why I haven't received a check for my {$53.00} and was told they hadn't closed my account. I said, I have a close confirmation so why is that? They made up some excuse. Now when I try to close it they are giving me the runaround. They are going to charge me another monthly fee in XXXX despite having told me the account was closed in 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 2024-12-14 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: UT

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-14 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: UT

Complaint narrative:
I am requesting the information regarding the method of verification XXXX  by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Second complaint on Equafax 's failure to send my credit report and freeze credit. Problem not addressed. Received a 3rd letter asking for the same information I have already sent 2 times. This was after my 1st complaint to XXXX. I was never informed my info was breeched, which it obviously was. What legal action can I take against Equafax? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: OR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-12-14 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: OR

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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