vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Schools First Credit Union has been holding onto ~ {$50000.00} of my checking account for now 4 months. 

I have no clue when they will release the funds, much of which were previously cleared and available in my account. 

Time to release the funds into the available balance of my checking account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my frustration and dissatisfaction with the persistent challenges I have encountered in attempting to remove a charge-off account from my credit report. Despite multiple concerted efforts, the charge-off entry continues to negatively impact my credit standing, hindering my financial opportunities and causing significant distress. 

I initially became aware of the charge-off account. Since then, I have diligently followed the established dispute resolution procedures in an attempt to rectify this matter. 

This prolonged and unresolved situation not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has severe consequences on my creditworthiness. I am hereby formally requesting a thorough and immediate investigation into the charge-off account in question. 

A comprehensive review of the charge-off account on my credit report. 
Prompt removal of the inaccurate charge-off information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the charge-off account has been successfully removed from my credit report. I am asking for your assistance to remove this charge off in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my frustration and dissatisfaction with the persistent challenges I have encountered in attempting to remove a charge-off account from my credit report. Despite multiple concerted efforts, the charge-off entry continues to negatively impact my credit standing, hindering my financial opportunities and causing significant distress. 

I initially became aware of the charge-off account. Since then, I have diligently followed the established dispute resolution procedures in an attempt to rectify this matter. 

This prolonged and unresolved situation not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has severe consequences on my creditworthiness. I am hereby formally requesting a thorough and immediate investigation into the charge-off account in question. 

A comprehensive review of the charge-off account on my credit report. 
Prompt removal of the inaccurate charge-off information to restore the accuracy of my credit file. 
Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information. 
I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the charge-off account has been successfully removed from my credit report. I am asking for your assistance to remove this charge off in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: PA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts and inquiries from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have previously sent a letter directing NFCU to stop sharing and opt out of them sharing my information with non affiliated 3rd parties. Yet they are still sharing my Private information. I never received a disclosure or an opt out notice. Per 15 USC 6801 - 6805 requirements. I never gave NFCU permissions to share any of my private and transactional information to any non affiliated third parties! XXXX XXXX XXXX  is the company that has my transactional and private information provided by NFCU. Youve denied my right to opt out! Ive been denied access to a new bank account because of your willful ignorance, lack of care and communication. I was humiliated learning that I could not open a new account. XXXX XXXX XXXX is NOT an affiliate of NFCU. The federal definition of non-affiliated is companies not related by common ownership or control. They can be financially or non financial companies. According to your privacy notice you dont share with companies such as XXXX  XXXX XXXX and They are non-affiliate to your company. Youve been sharing my checking and savings account with this company without my written or verbal consent! This is a direct violation of my right to privacy and Violation of private policy. So unless youd rather settle this matter in court while I seek actual damages Id suggest you remove my information immediately and pay to my account {$1000.00} per violation of every MONTH you have shared my transactions and private non-public information! This complaint is my official invoice to you. 
Theres a total of 25 monthly reporting transactions as of : XX/XX/2023. 
25 monthly reportings is a total of {$25000.00}. 
The balance can be sent immediately via wire to Routing : XXXX Account : XXXX If you choose to willfully ignore my requests again this is my official notice of my intent to sue and I will seek damages for every SINGLE time you have violated and reported my information to this company up until present days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NC

Complaint narrative:
I am formally requesting this letter to fix the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$9200.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00}.

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 2023-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a HELOC with Band of America since XXXX. I have paid the installment on this loan upon until XX/XX/XXXX since I was laid off from my job. I requested a forbearance or 3 months. Then when I still didn't find a job I requested an extension while I am trying to sell the house. I was given the extension. Meanwhile I sold the house and will payoff the loan at close of escrow on XX/XX/XXXX. When I requested the payoff quote, I was told my loan is in foreclosure as of XX/XX/XXXXXXXX  and I was charged an additional XXXX for foreclosure lawyer. At any point I was not tole that my loan is going to be foreclosed and I had discussed the sale of my house and paying the loan off and the extension would be safe for me. I am .disputing the fee and having my loan in disclosure. BofA is not doing an honest business and even when a consumer does every effort to pay off the debt despite of the financial hardship they foreclosed and charged me additional fees.

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 2023-12-22 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: MO

Complaint narrative:
I am writing to bring to your attention the persistent challenges I have faced in attempting to remove fraudulent items from my credit report. Despite making several concerted efforts, these fraudulent entries continue to tarnish my credit history, negatively affecting my financial standing and causing undue stress. 

I first identified the fraudulent items on my credit report. Since then, I have diligently followed the established dispute resolution procedures, making numerous attempts to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional distress. I am formally requesting a thorough and immediate investigation into the fraudulent items on my credit report. 

I request the following actions : A comprehensive review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX  XXXX Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-22 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: MO

Complaint narrative:
I am writing to bring to your attention the persistent challenges I have faced in attempting to remove fraudulent items from my credit report. Despite making several concerted efforts, these fraudulent entries continue to tarnish my credit history, negatively affecting my financial standing and causing undue stress. 

I first identified the fraudulent items on my credit report. Since then, I have diligently followed the established dispute resolution procedures, making numerous attempts to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional distress. I am formally requesting a thorough and immediate investigation into the fraudulent items on my credit report. 

I request the following actions : A comprehensive review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I understand my rights under the FCRA and the importance of addressing and rectifying inaccuracies promptly. Failure to resolve this matter in a timely manner may compel me to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your immediate attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXXXXXX XXXX XXXX Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally requesting this letter to fix the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$9200.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00}.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally requesting this letter to fix the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$9200.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: LEXISNEXIS
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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

Company response to consumer: Closed with explanation