vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pay annual fees to XXXX to keep my credit card open. 
XXXX states that I requested to close that account. I have never requested to close this account. Everything about this account remains open on the XXXX app. Moreover, I still use the card and I still paid annual fees without interruption, and promptly, to XXXX. There is no reason why this account should indicate closed. 
XXXX confirmed this mistake on their end and I requested that they update the Credit Bureaus. They have not updated the credit bureaus, which still indicates a closed account for them -- but no other accounts.

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 2023-09-07 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-07 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: DE

Complaint narrative:
Remove this fraudulent account from my credit report in 4 days you shall block and delete this fraudulent account. Transunion has done nothing to fix this problem.

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 2023-09-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your 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 2023-09-07 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: MI

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. 

has violated my rights. Or list of inquiries Account name : XXXX Account number : XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name XXXX XXXX  Account XXXX Account name : XXXX Account XXXX 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 2023-09-07 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: TN

Complaint narrative:
On XX/XX/2023 Someone logged into my account and disputed 3 charges XXXX {$1000.00} XXXX XXXX XXXX {$900.00} XXXXXXXX XXXX {$300.00} A member was added to my account to do a member to member transfer and I am not aware of who the person is. 
There was also a XXXX XXXX payment of {$920.00} to someone I don't know. 
I called the bank and notified them I didn't do that and noticed my account had been logged into by devices I don't own. 
However Navy Federal is making me pay those fees back which isn't right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I applied for a payment plan with both my Lowe 's and Amazon cards on XX/XX/23 with the understanding that I'm all caught up on any late fees/late payments. Synchrony, the company who issues the credit cards informed me multiple times over the phone ( recorded conversations ) informed me multiple times that there are no additional payments I need to make and I'm not considered late as long as I meet the minimum for the plan they put me on. I found out on XX/XX/XXXX that this was a lie after speaking with a supervisor and requested they investigate their conversations so this wouldn't reflect poorly on my credit report. They told me this would take 30 days and I never received any correspondence from them. They've abused my credit by reporting late payments that shouldn't have been considered late as they never informed me that I was behind when setting up this plan. They never sent the findings of the investigation even though they have recorded conversations.

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 2023-09-07 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: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate.

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future.

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC
State: NC

Complaint narrative:
Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...? 
So, my question is what can be done about this, I did call Yesterday XXXX, SKOPOS which was changed from XXXX at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for 7-10 years, what kind of craziness is this? 
We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name XXXX is what is being shown on our Credit Report, even through they have sold out to another company .... 

Thanks.

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 2023-09-07 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-09-07 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: Chime Financial Inc
State: NH

Complaint narrative:
Had my Chime credit builder credit card used for fraudulent purchases. I asked support to suspend the account. They closed it instead. Dispute was found in my favor and the refunded the amount into the closed account as per XXXX from Disputes on XX/XX/2023. But the account was closed XXXX or XX/XX/2023. Tried contacting support. In member services I spoke with Supervisor XXXX, agent XXXX, XXXX, XXXX, and XXXX, and agent XXXX from disputes. None were able to help me obtain the refunded amount that was deposited into a closed account. How can you deposit money into an account that is closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A company I've never heard of attempted to get XXXX out of my account I had no idea until I called to check my balance that one number that every one of those people told me to call directs me right back to fraud line, I go into BOA and try to explain my ID and phone were in the same phone cover when lost, all they kept saying over and over again, ,you need to go to XXXX and get another ID, well you have my money held XXXX and taking your XXXX dollar fee out while I have no access to it so until I get access to cash I can't pay for a ID, the company that tried to get my money we're denied but still locked my account for something I had nothing to do with so the only people taking my money is BOA, I have a very Aggressive stalker that has assaulted me, destroyed my property and had family to jump me for my phone that had ALL the proof of stalking me this was the second phone in XXXX months I desperately need to pay for audio XXXX calls to get these people out of my life and I can't, NO MONEY

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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
To whom it may concern, Our property taxes went up, we were never notified by Caliber home loans, we paid a mortgage payment {$160.00} short and they marked the whole payment late as they refused to apply the funds to our account which is predatory as they and reported it to the credit bureau 's and my and my wife 's credit went down XXXX points each- all over {$160.00}, they had over {$4000.00} unapplied on our account and chose to mark us late which is not accurate. We also have {$2500.00} in escrow. This is a gross misrepresentation and abuse of power by Caliber Home Loans We have never paid our mortgage late and we didn't pay the mortgage late, it was short and we rectified the issue, now they will not return our calls to have this fixed with the credit bureau 's as we are in the process of taking out a loan for legal fee 's in order to have my children removed from their mother who has lost my autistic daughter multiple times. 

I believe Caliber Home Loans made a false representation to the credit bureau 's, our mortgage was short an immaterial amount and they had the bulk of the mortgage payment in their account and falsely reported us late when we were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It was a fraud in my business checking account I notified the bank on XX/XX/2023 was {$63.00} in two business days they reverse amount of {$14.00} first they told me its gon na take 60 days for investigation after 60 days they told me its gon na take 90 days now its five months its still under investigation Im still missing amount of {$49.00} and its been over five months every time I contact them theyre telling me its on the investigation this is the claim number XXXX and this is the phone number I called ( XXXX ) XXXX its Bank of America bank

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Special Payment Instructions aren't being looked at it seems to me, XXXX is my payment start date and I set Special Payment Instructions to go 100 % to one loan and it's not even being followed, Phone hold times are over an hour at least, finally give up. Sent an email about this and no response. I would like my loan sent back to Great Lakes, they did all this with no problems. 

Also instead of mailing it the way I want they coerce you to send it via they pulling from your accounts at the bank. I don't like this option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
[ I am writing to dispute the status of certain closed accounts associated with my name. I recently obtained a copy of my credit report, and upon reviewing the information, I noticed that these accounts are inaccurately reported as closed. I kindly request your assistance in investigating and correcting these errors as soon as possible. 


Please note that these accounts have been closed for quite some time, and I have the necessary documentation to support this claim. It is crucial for my financial records to accurately reflect the status of these accounts, as they contribute significantly to my credit history and overall creditworthiness. 

I kindly request that you conduct a thorough investigation into these accounts and update the information on my credit report accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute any inaccurate information on my credit report, and I am exercising that right. 

Moreover, I kindly request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies within the time frame stipulated by the FCRA. This will enable me to keep track of the progress made in resolving this matter. 


I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this dispute. I trust that you will rectify the inaccuracies on my credit report and provide me with the necessary documentation to confirm the updates made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation