vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-12 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: WA

Complaint narrative:
My XXXX XXXX was accessed by the credit company that has put this inquiry on my report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased an XXXX XXXX XXXX from XXXX about. I had to return it because the phone was getting warm when it gets charged and it was dying so quickly the battery was not functioning very well. I returned it using their label and Ive sent many request for them to refund the item Ive never received a refund. They kept pushing me and pushing me without any result, and then I had to dispute it with the company, Capital one, which handled my dispute even though I provided a tracking number and tracking confirmation that XXXX received the phone may also followed up with XXXX by email and I was able to send the email confirming the XXXX has received. The XXXX clearly states XXXX has received the XXXX and the email and it comes from an XXXX XXXX even with all this information, this Capital one is not wanting to refund my money for this return product. Please have them. Found my money because last time I called them, they said were not able to do anything because the 90 days has passed, but I have been sending the documents and a timely manner to them so this is just incorrect and you can look at the submissions. Ive sent them all the documents they requested in a timely manner please refund my money for this return product. they have a confirmation they need to refund this product immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX and XXXX XXXX XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my XXXX XXXX and financial standing, preventing me from obtaining legitimate credit. 

Details of Disputed Accounts : XXXX Credit Acceptance Account ( Charged-Off ) Amount : {$20000.00} Account Type : Charged-Off Account Status : Repossession Reason for Dispute : Fraudulent account due to identity theft XXXX. XXXX XXXX XXXX XXXX Account Amount : {$6600.00} Account Type : Repossession Account Status : Past Due Reason for Dispute : Fraudulent account due to identity theft I am attaching my FTC Identity Theft Report as supporting documentation. As a victim of identity theft, I am protected under several federal laws, and I request that both entries be removed from my credit report : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the FDCPA and should cease immediately. 

I respectfully request that the CFPB and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : This account was Paid. The payment status is wrong. 

XXXX XXXX Account Number : 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX XXXX. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX XXXX. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
FINANCIAL INSTITUTION IS : EVERBANK I have been a customer with EVERBANK for over 5 years This year in XXXX ( less than one year ) I opened a new account " high yield savings " the rate at the time was 5.15 %. the rate is variable and it has gone done. 
the last rate decreased was on XX/XX/year> and is curretnly showing on my account as 4.45 %. 

My issue is that the bank is currently advertizing a rate of 4.75 % for their high yield savings and is giving me less than this current advertise rate and would not honor. 
The only reason that I became aware of this is because I was shopping for rates and check my account. 

The solution the bank provided was to open a new high yield account so I can get the 4.75 % ( therefore is not just for new customer ). 
this is in my opinion unethical and is not my prior experience with other institutions,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/year> To Credit bureaus Re : Dispute of Collections Account # [ XXXX ]. Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( XXXX XXXX, date opened : XX/XX/year> {$1400.00} ). Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. Thank you for your attention to this urgent matter. 
Sincerely, 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 2024-11-12 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal have been charging overdraft fees and late fees for along time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phillips & Cohen Associates, Ltd.
State: VA

Complaint narrative:
Phillips & Cohen Associates, Ltd- {$1000.00} - XX/XX/year> - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report ( XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got involved in a scheme. Without my knowledge or verification money was transferred from my savings account {$50000.00} to my checking. I did not know the transfer occurred and was told I did something to cause this transfer and I must return the money. I returned {$25000.00} before I realized what was happening. I asked Chase bank how this transfer could happen. They sent me XXXX texts asking if I was making this transfer. It was a busy day for me and I did not see the verification requests. The transfer was made without me knowledge. I questioned how this could happen. 
I've received an update stating No action will be taken, this inquiry is now resolved from the customer claims department. How could this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/24, I tried withdrawing {$800.00} from local BOA ATM and the machine did not dispense the money. Screen popped up saying machine having trouble dispensing money this will credited back to your account no receipt no nothing. Then I check my account and it withdrew the {$800.00} out of my account! I called the bank immediately was told it will be credited back to my account in no less than XXXX business days. Told the representative this is very time sensitive because this is my rent money. XXXX business days later nothing credited to my account! Called BOA again and was told no later than XXXX business days!! Then was given another existing claims number to call to supposedly expedite getting the money back. Spoke to another representative who then told me it wont be in til the XXXX!!!!! but I can file another claim to expedite that with an underwriter and that can take XXXX!!!! Completely unacceptable!!! On XX/XX/24 called BOA again still the money is not in my account!! Was told again the XXXX and the claim to expedite sooner was shot down so the XXXX again completely unacceptable!!!! Now over XXXX weeks not paying my rent and XXXX week before XXXX holiday you want to tell I shld probably have it in my account? I am completely disgusted with the way BOA has chosen to handle this after being a customer for XXXX  years! I do not want to bank with BOA anymore!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION
State: AL

Complaint narrative:
I received a " Statement of Credit Denial, Termination or Change '' from Amerisave Mortgage Corporation in XX/XX/year>. This is apparently in response to my on line rate quote requested in XXXX of 2024. Apparently, I was assigned a loan number referenced on the denial which was dated XXXX XXXX, 2024. However, I DID NOT apply nor consent to allow my credit to be reviewed. I contacted Amerisave via phone XX/XX/year> and was referred to their compliance department which I have courtesy copied this complaint. The notice issued by Amerisave was NOT in compliance with Fair Credit Reporting Act in that NO APPLICATION was every submitted, merely a rate quote request AND the untimely issuance of such notification was clearly not in compliance with the 30 specified response time as required by the statute. Thank you in advance for your consideration.

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 2024-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I reported retaliation, a fraudulent website and cyber interference, to the company on XX/XX/XXXX. I requested call transcripts on XX/XX/XXXX. 

See summary of report below : XXXX  XXXX Website : Most recently on XX/XX/XXXX, I was directed to the loan service portal by one of the representatives. 

A web address mimicking the portal XXXX XXXX ) initialized an auto-forward to an external website with job postings. 

It is evident that this web address is being used to defraud and potentially collect personal and financial information customers. 

Please see attached photos. 

2Interruption of calls : The last 3-4 outreach attempts have involved several call interruptions on the dates XXXX ( approx. ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

3Interruption of payments via online portal and phone : Interruptions making payments via online portaXXXX XXXX in XX/XX/year>. 

XXXX On XX/XX/XXXX, the company notified me that the reported website did not belong to the company. They also stated that they could not provide the call transcripts.

Company response to consumer: Closed with explanation