vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV account XXXX amount of XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Ky XXXX Last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
For few months now I have reached out to the bureaus and to the mortgage company for the one time 30 day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under XXXX XXXX XXXX in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have zero debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the 1 time 30 day late from XXXX of 2022. Please as a good faith, as one time curtesy please remove the one time 30 day late, again this would have never happened if I was not in a comma. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
the company has been using the spelling of my name wrong and address that I never lived in there is also countless errors on my report that is inaccurate

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 2024-09-05 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: GA

Complaint narrative:
the company has been using the spelling of my name wrong and address that I never lived in there is also countless errors on my report that is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-05 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:
After looking over my credit report on XXXX. There were inquiries that I do not recognize and there is also personal information that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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. 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 2024-09-05 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: FL

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. 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 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I make " principal only '' payments often. On XX/XX/year> I made a " principal only '' payment of {$1000.00} On XX/XX/XXXX BOK applied a " misapplication reversal '' & removed the {$1000.00} principal payment. I called them & was assured that they would put it against my principal & that they would back date it to XX/XX/XXXX. My {$1000.00} was missing from XX/XX/XXXX- XX/XX/XXXX. It reappeared on the XXXX as a " principal only '' payment. This is the XXXX time something like this has occurred. 
If BOK is doing this to several people, then someone is getting rich off keeping our money instead of applying it promptly to the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union for their non-compliance with Regulation CC regarding the extended hold placed on a certified cashier 's check. The details of the issue are as follows : Check Details : The check in question is a certified cashier 's check in the approximate amount of {$1100.00}, issued by XXXX XXXX XXXX XXXX. It was deposited into my account on XX/XX/XXXX, via mobile deposit with XXXX ID XXXX. 
Regular Transactions : This check is part of a regular monthly transaction where my mother, the issuer, provides a partial payment of her rent in advance. Similar checks were successfully deposited and processed without issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of the same year. 

Regulation CC Violation : Under 12 C.F.R. Part 229, certified cashiers checks are considered " next-day '' items, and the funds should typically be made available by the next business day following the deposit. Despite this, Navy Federal has placed an extended hold on the check without providing a satisfactory explanation, which is a violation of the regulations outlined under the XXXX Funds Availability Act. 

Previous Issues : This is not an isolated incident. Navy Federal previously held a government-issued check beyond the permissible time frame, only releasing the funds after significant complaint and intervention by their executive team. This pattern indicates a systemic issue with Navy Federal 's handling of Regulation CC requirements. 

Member History and Impact : I have been a loyal member of Navy Federal since XX/XX/XXXX, and have no history of fraudulent activities or issues with deposits. These unwarranted holds have caused significant inconvenience and financial disruption, affecting my ability to manage personal financial responsibilities effectively. 
Given these circumstances, I urge the Consumer Financial Protection Bureau to investigate this matter promptly and enforce compliance with Regulation CC. Navy Federal 's repeated oversight in following federal regulations for fund availability not only disrupts my financial management but also suggests a broader non-compliance issue that could affect other consumers. 

I am seeking an immediate release of the funds associated with the aforementioned cashier 's check and assurance that such delays will not occur in the future. I have also filed a complaint directly with Navy Federal and have requested a detailed explanation for the hold.

Please find attached copies of the deposit receipt, correspondence with Navy Federal, and a timeline of events for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need my dispute claim Claim Reference Number : XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at XXXX Update to this please change the dispute type to fraudulent dispute because I didnt authorized the payment it is fraudulent and reopen it and investigate again please etc.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,

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 2024-09-05 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: CA

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: IL

Complaint narrative:
Postmarked XX/XX/year>. I received a letter from NES of Ohio debt collector requesting I pay {$860.00} and {$2100.00} from XXXX  XXXX XXXX. I am writing to dispute this debt that they claim that I owe. I have never heard from this collector before, and they have not provided me with any supporting information for verification. Under the Fair Debt Collection Practices Act ( FDCPA ), it is my right to request this verification via a written letter sent to NES within 30 days of receiving the notice. I did ; on XX/XX/year>, I sent a written Debt Verification letter via certified mail requesting the following information in writing only, at my mailing the address listed on my document : 1. The name and address of the original creditor.

2. The account number of the alleged debt.

3. The amount of the debt, including an itemized list of any fees or charges added.

4. The date the debt was incurred.

5. Documentation that verifies the debt is valid and that I am legally obligated to pay it. 
6. Proof that you are authorized to collect this debt on behalf of the original creditor.

7. Additionally, please provide me with a copy of any judgment, if applicable. 

As of today, XXXX, ( well past the 30 day window ) NES has not contacted me or verified any of this debt. This is in accordance with my legal rights under the Fair Debt Collection Practices Act ( FDCPA ) and the CFPB XXXX rights under federal law. This debt needs to be erased from my credit reports. I have documentation of my certified mail receipt as well as the XXXX postage receipt with the tracking information that shows NES received my letter on XX/XX/year> and neglected to verify these amounts owed.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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 2024-09-05 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-09-05 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:
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: WI

Complaint narrative:
I tried to open a new brokerage and checking account around XX/XX/year>, but I never received an update after XXXX business days so I submitted another application. XXXX XXXX sent me a letter saying they closed the account due to an alert from XXXX XXXX but there is still one account left open. I contact XXXX XXXX about the account, and they said it will be closed. It's been XXXX business days, and the account is still open. I want to make sure XXXX XXXX agreed to let the account remain open after closing the other account. If XXXX XXXX intend on closing the checking account, I will like for it to be closed immediately just to have the matter resolved.

Company response to consumer: Closed with explanation