vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of XXXX I reached out to Experian and attempted to dispute several items that were being reported on my credit report inaccurately and many were the result of identity theft. I was told that I would need to submit everything in writing. In XXXX, I submitted the dispute in writing and attached my ID which shows my current address and my social security card. I got no response. In XXXX I submitted ANOTHER DISPUTE and again I attached to the letter of dispute, copies of my identification, social security card, and even my identity theft affidavits. To date there has been NO RESPONSE and NO CHANGE to my credit report. Experian is intentionally ignoring my letters. They are ignoring the consumer laws that protect me. They are causing me a tremendous amount of stress and anguish, not to mention financial hardship, in not resolving this. The items listed on my credit do not belong to me. There was a family member living at my address who shares the same name as me as well. Experian is doing nothing to investigate the items and they are not even responding to me. I also requested that they send proof of the investigation results BUT they haven't even done the actual investigation. It's been far too long since I initiated my disputes. They only had 30 days to respond or delete the information disputed and it has been well over 30 days now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding ongoing issues with my account and the handling of my disputes. 
I have experienced the following issues with Equifax : XXXX. Account Login Issues : Despite multiple attempts, I have been unable to log in to my Equifax account successfully. This has severely impacted my ability to monitor my credit report and status. 
XXXX. Lack of Follow-up on Disputes : I have submitted several disputes regarding inaccuracies on my credit report. However, I have not received any follow-up letters or detailed information about these disputes. The only information available on my Equifax portal is my credit score and the disputed results, with no information on submission or completion dates. 
XXXX. Inadequate Investigation Time : The disputes I have filed have been marked as completed within a few days. Upon contacting an Equifax agent, I was informed that the investigation was expedited because Equifax retrieves information directly from XXXX. This raises concerns about the thoroughness and accuracy of the investigation process. 
The lack of transparency, inadequate follow-up, and the difficulty accessing my account are unacceptable. I believe these issues violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct a reasonable investigation of disputes and provide consumers with timely updates. 
I kindly request the CFPB to investigate these matters and ensure that Equifax : I have attached relevant documentation, including correspondence with Equifax and screenshots of my account portal, to support my complaint. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
The engine exploded a month after purchasing the vehicle. I had a XXXX year warranty on the vehicle however the warranty company did not want to fix the vehicle. I reached out to the loan company asking could they do anything or could they even put me an another vehicle for the same loan being that I only had the vehicle for a month. All payments on the vehicle were up to date. The loan place ask me what repair shop was the vehicle at, I told them, they also ask me when did the vehicle arrive to the shop. The vehicle broke down XXXX XXXX and was towed to the repair shop on the XXXX of XXXX. And credit acceptance is the loan holder they illegally repossessed my vehicle without my knowledge or consent. When I called them to inquire why my vehicle was taken they gave me a number and told me I had to speak to another department for answer. The vehicle is being sold at an auction on XXXX XXXX purchased the vehicle on XXXX XXXX. I still have not been giving any answers to why the vehicle was taken. The vehicle is a XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
Please help me with this erroneous account reflected on my credit report. It's affecting my reputation, and I seek your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Back in XXXX, my mortgage bounced because of improper information that was relayed by the customer service team when I escalated that they told me that they reviewed the call and that they were correct and that there was nothing that was going to be done further. In the call itself, they literally said that the money would go through for my mortgage payment given that there was a deposit however because the deposit didn't clear they were incorrect and they put a hold on it. Because of that they went ahead and refunded some fees, but they never said that that was going to be the only courtesy that I would receive for their mistake for an an entire year. Now that I'm actually having issues where my payroll is not coming through properly and there's been a few issues for the past couple of months my account has been back-and-forth to positive and negative and I had escalated this back on the XXXX and which I was told it would be XXXX8 hours before someone can review whether or not I would receive {$500.00} in fees because I never got a call back my account continuously overdrew, and it added even more to the fees and now I'm at risk of not only having my mortgage bounce like last time but now my car insurance canceling. I find it ironic that I also continuously get hung up on by their escalations team and never got a call.

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 2024-07-27 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance corporation XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX XXXX # XXXX 15 U.S. Code 1692c Debt collectors can't contact consumers without their consent or a court order. They also can't contact consumers at unusual times or places, or at times or places that the consumer might find inconvenient. Debt collectors are generally assumed to find it convenient to contact consumers between XXXX XXXX and XXXX XXXX local time. Debt collectors also can't contact a consumer 's attorney unless the attorney doesn't respond within a reasonable time or agrees to direct communication.

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 2024-07-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX Case ID : XXXX The review of your dispute has been completed Hi, XXXX. Since you've accepted responsibility for the {$100.00} transaction with XXXX XXXX XXXX the credit we issued to your account, along with any related fees and interest charges, if applicable, will be reversed. Please note, it'll be reversed in the next XXXX business days - you'll see it listed with your account activity on your next statement or by logging into Citi XXXX or the Citi XXXX XXXX. 
As a result of this decision, {$3.00} is now due by XX/XX/XXXX. This amount due is separate from, and in addition to, the Minimum Payment Due from your most recent statement. If you already included this amount in your payment disregard this request. 
Please note, per federal regulations we may report your account as past due to the consumer reporting agencies listed below if we don't receive payment when due. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We included the below transaction details for the dispute ( s ) on account ending in XXXX for your reference. 
Date XX/XX/XXXX Amount {$100.00} XXXX XXXX XXXX XXXX XXXX  Your Citi Team XXXX Citibank , N.A . Citi, Citibank, Citi with Arc Design and Citi XXXX are registered service marks of Citigroup Inc . 
Citibank , N.A . is the issuer of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX licensed to Citigroup Inc

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 2024-07-27 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: FL

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/XXXX I filed a dispute over the phone and over the phone I told the agent that I did not have my card, but she put I did have my card and I got denied funds. I got a letter thru paperless on mobile banking, so I called again XX/XX/XXXX and filed the same dispute and while over the phone I specifically said I did not have the card. Agent heard me this time and he said, ur dudipite will be under review and if you don't hear nothing back from us in XXXX  days then you will be given credit. 

So I waited the XXXX  days and I didn't receive nothing, so I called back asking where my credit is like XXXX times the days after the XXXX  days came up and they all said they will put a note on my account, a note to let the investors know. So a week pass I called again and another representative told me that it was only supposed to be XXXX  days and he said same thing about the note... so I waited still nothing. And now they just closed my account. It was over XXXX I lost.

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 2024-07-27 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: VA

Complaint narrative:
I sent a formal letter stating how they were including the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws, specifically, Section 607 of the Fair Credit Reporting Act, Compliance procedures [ 15 U.S.C. 1681e ], ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. I respectfully asked the following accounts be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

XXXX. XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-07-27 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: FL

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report this morning and I don't understand why. My usual credit report check revealed unexpected discrepancies this time. I tried refreshing my browser, hoping it was a technical error, but the inaccuracies remained. I request a thorough examination of the documents I provided to ensure this issue is resolved and I can stop worrying.

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 2024-07-27 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: VA

Complaint narrative:
I sent a formal letter stating how they were including the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws, specifically, Section 607 of the Fair Credit Reporting Act, Compliance procedures [ 15 U.S.C. 1681e ], ensure that bureaus report only XXXX % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Pursuant Section 611 in the Fair Credit Reporting Act, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], inaccurate or unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. I respectfully asked the following accounts be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature ; or be removed from my report. 

XXXX. XXXX XXXX I Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account XXXX. XXXX Inaccurate or Unverified Account XXXX. XXXX XXXX Inaccurate or Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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 need your assistance with this incorrect account listed on my credit report. This issue is harming my reputation, and I require your support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: MA

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within XXXX days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting XXXX  % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.

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 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was bullied at closing due to no information on XXXX  fee until closing. It was an extra {$250.00}, when I barely was able to obtain a mortgage. 

Due to the XXXX fees going up an extra {$50.00} and my mortgage going up {$300.00} dollars over night, I needed the account reviewed. I uncovered a can of worms. 

The title search on my property was done prior to my purchase. The title was presumed to be free and clear before it could be transferred to me, as owner. XXXX years into my mortgage, my XXXX XXXX XXXX presents a Master Deed before me in court. That Master Deed is a lien over the entire complex including the condo I thought I was purchasing. The Master Deed was not presented at the closing table, nor was i instructed that there was in fact a lien on this property dating back to 1985. Navy Federal Credit Union cleared this title search. When questioned about the Master Deed and lien, XXXX from Navy Federal Branch XXXX XXXX XXXX # XXXX, XXXX, South Carolina, XXXX, said " they knew about the Master Deed and that I signed the contract so there was nothing I could do. '' I was instructed to contact my title insurance company by Navy Federal Credit Union. 

I also requested that Navy Federal open my brokerage account in order to redeem securities sent to me by them. I was denied, when their duty is to redeem any coupons they send out. 

Navy Federal instructs me to pay the same amount they send me in securities every month. When I ask what do with the remittance coupon, I get no response. 

Its almost criminal to send someone unredeemable coupons. 

It is criminal to intentional deceive a consumer. 

It is criminal to steal someone's credit. 

There was more but I do not want to overwhelm the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation