vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: TN

Complaint narrative:
I recently submitted a report to Experian about an account that has been reporting inaccurate information also using procedural errors as well as XXXX XXXX XXXX XXXXXXXX description and it still came back as accurate. I am pasting the reason why the account should be removed off of my consumer 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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar Mortgage/ Mr Cooper has not addressed that the instrument that they have is forged. In addition to not addressing the forgery. The attempt to collect on this alleged debt causes many issues with integrity. It has been requested that Nationstar/Mr.Cooper provide a Certificate of Authenticity of the note and that the record does not have allongements in the form of blank endorsements. 

Then sends a notice that has been verified by the Department of Veteran Affiars to be a false notice. This notice was given via their internal communications system on mrcooper.com. The company has removed me from their internal communication system for making complaint with the CFPB this is seen as retaliation against a customer. 

This account is closed NYS UCC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: InvestiNet LLC
State: LA

Complaint narrative:
On XX/XX/year>, I reviewed my credit report when I saw an account on my credit report that was opened on XXXX from XXXX XXXX XXXX in the amount of {$1400.00}. This caught my attention because recently this has began to report late payments on my credit report affecting my credit. I reached out to XXXX XXXX about this alleged debt and asked for information along with a contact bearing my real true signature. I was told that this alleged debt was transferred to a third party named XXXX. On XXXX, I contacted an agent with Investinet named XXXX about this alleged debt and also asked for a contract with this company with my real signature along with a contract. XXXX stated that he could not give me any information on this alleged debt and that I should wait XXXX days to call back as he could not give me any information. That is against the law. I am requesting validation of the debt, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports from your company or any company that you may represent, for a debt that I dont owe, is violation of the FDCPA. Therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Please note that this is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-02 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX Chase Bank gave out my credit information without my authorization to the SBA for a fraud loan in the amount of XXXX PPE loan according to SBA fraud department. The SBA told me I was a victim of ID theft. As a result, this dropped my credit score by XXXX points, and locked my credit report, checking account, and anything associated with my name. I have evidence to back all this. I had XXXX XXXX and they did not stand behind their product and put the freeze on. Today, I can not get open my credit to buy a car or anything. I filed a complaint against XXXX to no aval. XXXX will be next. At this time Chase is fully to blame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: GA

Complaint narrative:
XX/XX/year> I entered detailed information regarding a vehicle that I intended to trade in. In the details submitted I noted that the car is in need of repair. Before wiring down payment funds I spoke with three Carvana representatives ( XXXX is the only name that I recall ) to ensure that the trade in would be acceptable. The representatives gave conflicting answers in regards to whether Carvana will accept the vehicle. Ultimately, they settled on " As long as you were 100 % honest regarding the cars condition, we will honor the appraised trade in value and accept the vehicle. However, Its ultimately the Field reps/delivery driver discretion on whether it will be accepted. '' With the response I wired the funds. The delivery driver did not accept the trade in ( based on the repairs I stated were needed in the Carvana appraisal ). So I never received delivery of the vehicle from Carvana. The purchase was restructured and I planned to move forward. Arranging to send the additional {$1600.00} to the already transferred amount of {$1400.00} for a total of {$3000.00}. The representative assisted with scheduling delivery the next morning. When I called the next morning I was informed by Carvana that the deliver could not be made and that an additional {$200.00} was needed to complete the transaction. When I inquired from XXXX XXXX ( he would not provide his full name ) why additional money is needed he mentioned its because my income was not calculated properly by his underwriting department. But yet Carvana had completed the transaction based on the same income just a day ago. I requested that XXXX XXXX cancel the transaction and refund ALL monies. He stated that he did and sent a confirmation email stating that it would take approximately 3-5 business days to post back to my account. I contacted Carvana XX/XX/XXXX and XXXX XXXX Carvana Presale Advocate stated that he does not see any request for a refund from XXXX XXXX although he had a few notes regarding the request to cancel- Which I found out that XXXX XXXX in fact did NOT honor my request to cancel the transaction and the refund was NOT pending. XXXX submitted a request and sent a similar email stating the request would be made. Now, I'm waiting an additional 3-5 days to receive the reimbursement of the {$1400.00}. This has created financial hardship due to the fact that Carvana did not honor the original transaction which included a trade in that the Carvana algorithm and advocates stated they would honor. Carvana model appears to prey on those that have credit challenges and restructuring loans at the final stages and/or not honoring an original contract where the consumer has provided and satisfies all of Carvanas request, only to have the transaction completely changed ( increased downpayment and interest/APR ) even after the purchase agreement has already been signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I was issued a Yard Card by TD Bank when I financed a snow blower. Have been trying to close the account now that it is paid in full. Only one number to call and hold times exceeding 90 minutes and still no answer. Many complaints online saying the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-02 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: IN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX Us Bank closed my account I have asked when will i receive the funds from the account they gave no response.They were supposed to send a check within XXXX XXXXs but it had elapsed to even longer and they still have not even responded to my request

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VALLEY NATIONAL BANCORP
State: WA

Complaint narrative:
Valley National Bank has suspended all fund transfers from my checking account because they could not verify my ownership of XXXX external account I had connected to my account. This is despite the fact that they had sent XXXX trial deposits to the external account and I had verified the amounts. 
There are multiple issues here : ( XXXX ) What is the purpose of trial deposits in the first place if you do not intend to use it for account/ownership verification? 

( XXXX ) Knowing that the trial deposits and any future transfer would not go through if my information ( like account holder name ) is not matching on your end and the destination bank 's end, why do you ask for additional information like bank statements for additional verification? 

( XXXX ) Assuming that you can not verify XXXX of my external accounts, what would give you the grounds to suspend all transfer features ( with ACH, XXXX, ... etc ), even for those external accounts and transfer mechanisms that you have already verified? 

If you can not verify XXXX of my external accounts, fine, do not transfer anything to/from that account. You can not hold my money XXXX forever because of that XXXX account. I need you to remove the transfer suspension from my account so I can transfer to/from other external accounts that you already verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
I recieved an unauthorized hard inquiry from an institution listed as " CB INDIGO '' on XX/XX/2024. 

I never had anything to do with this company and haven't applied for credit recently. 

I also recieved an email from Indigo Mastercard saying I wasn't approved. 

More info in the email : " Concora Credit Inc. services the Indigo Mastercard Program on behalf of XXXX XXXX, a Utah-Chartered Industrial Bank '' I called XXXX XXXX and XXXX -- numbers that were associated with the company -- they both claimed to be a debt collection company. I told them I never applied for the card and they said it would take XXXX days to investigate and get back to me. 

The same thing happened to two coworkers of mine on the same day and other people are talking about it on XXXX threads. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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 implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: TN

Complaint narrative:
on XX/XX/XXXX a check was sent to PNC bank for a pay-off amount for my XXXX Pathfinder. 

Address Check was sent to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount : {$22000.00} ( pay-off amount sent from PNC Bank ) The check was never cashed. On XX/XX/XXXX ( XXXX XXXX later ) a second check was sent through XXXX overnight. The check was received and signed for by PNC on XX/XX/XXXX at XXXX. 

XXXX XXXX # : XXXX Check # : XXXX This check still has not been processed I have an escalated claim on file with PNC Bank. They continue to call and harass me stating my account is " past-due ''. I am not going to send a third check. I need help with this resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
There were couple of ACH transfer happened last week ( end of XXXX ) from my savings account ( total amount approx {$18000.00} ). I have reported this to discover bank. They did initiate the dispute but mentioned that it may take 30-45 days. Now I can't access my funds due to this. I don't have any ATM/Debit card so I am not sure how someone could make ACH transaction on my account. I have not shared my account information with anyone so it has to be some sort of bank leak. Discover bank should act on it asap and return my money as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX XXXX XXXX XXXX ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief