vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: AL

Complaint narrative:
I just submitted a previous claim for the equifax data breach in which I was told by equifax I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I attempt3d too dispute these items send innletters nothing has been done by equifax during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been charged {$15000.00} in over draft fees from truist bank since 2019. Is this legal?

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 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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:
On XXXX I requested XXXX to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from XXXX stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XX/XX/XXXX XXXX disputed items my credit report from XXXX. I also sent a current bill, driver 's license, and a social security card. My certified letter was received on XX/XX/XXXX and signed. On XX/XX/XXXX I received a response from XXXX stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XXXX I requested XXXX to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from XXXX stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

I also requested Transunion to Update my personal information providing the same information as I did with XXXX. Transunion also stated that I did not provide the correct information. Attached is all the information that I provided.

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 2023-12-09 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: GA

Complaint narrative:
On XXXX I requested Equifax to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XX/XX/XXXX XXXX disputed items my credit report from Equifax. I also sent a current bill, driver 's license, and a social security card. My certified letter was received on XX/XX/XXXX and signed. On XX/XX/XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XXXX I requested Equifax to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

I also requested XXXX to Update my personal information providing the same information as I did with Equifax. XXXX also stated that I did not provide the correct information. Attached is all the information that I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
The COVID-19 federal loan forbearance ended a couple of months ago. Prior to it ending, I updated and added " auto-pay '' to my Ed Financial Services account to ensure that my federal loans were paid ; in fact, I am paying monthly above and beyond the minimum requirement. On XX/XX/XXXX, I made the first payment ; on XX/XX/XXXX, I made the second payment ; on XX/XX/XXXX, I made the third payment. However, each time an auto-payment is made, Ed Financial Services reverses the payment, which allows interest to accrue. The issue, I have learned, is not with my bank, but is on Ed Financial Services ' end. It is an issue that hundreds ( at least according to numerous XXXX complaints similar to my issue ) of others have also experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Im XXXX yrs old and I was trying to help my kids financially. They thought my kids were taking advantage of me so they locked up my account and sent APS to my sons house where I live. We live far away from Navy Federal Credit Union so I cant go into a branch. My daughter in-law has tried to send what they are requesting in writing through fax, text and emails but they keep saying they arent receiving them. We only have our phones and laptop to work with and not that bright when it comes to a computer. Can you help us I have attempted to send these files to them 10 times from XXXX

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner keeps reporting a debt for Progressive car insurance for {$390.00} that I do not owe. The account was closed years ago. I have disputed this charge at least three times and it was removed. The debt collector just keeps adding it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My complaint is in reference to the immediate removal of late payment entries from my Experian credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

Experian has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer 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 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 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 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 explanation
Consumer complaint received 2023-12-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
It appears that there is an unauthorized inquiry on my report. I received a copy of my credit report and found the following item ( XXXX ) to be an error. The following inquiry is reporting incorrectly and must be removed immediately. 

Creditor Name : SYNCB/PAYPAL XXXX XXXX XXXXXX/XX/2023 I did submit the application for a new account on XX/XX/2023, however before I completed the application, I communication with PAYPAL credit . I was told the that application would only result in a soft inquiry and that the application would not affect my credit. I did indeed receive a hard inquiry from to my XXXX report after submitting the application even though I was told that it would not occur. 

I have communicated with SYNCB/PAYPAL as well as XXXX requesting to have this unauthorized inquiry removed.

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 2023-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I made a payment of {$900.00}. Mr. Cooper claims to have reversed {$810.00} of this on XX/XX/23 ( they did not -- they still have the money ) and also now claims I am 8 days late and owe an additional {$84.00}. 

This company has a long history of crooked and predatory practices under different names such as Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
fraudalent transaction that have cause me to suffer i have reachdd out to my bank to allow them its fraud they mentioned it was an ach payment and cant do nothing about it XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of {$1900.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX before in my life.

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 2023-12-09 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: TX

Complaint narrative:
XXXX tools was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. XXXX they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with ZERO PROOF AT ALL. 

It's OVER 7 years old, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TX

Complaint narrative:
XXXX XXXX  was issued a cease and desist letter because they repeatedly violated consumer laws. This was when it was already in collections. They only remain on my credit for SEVEN YEARS I habe NEVER made any payments to that fraudulent company, or ant of the loteral 25 collection agencies they illegally kept selling and uncollectabke debt to. I've never communicated with ANY of them either, ever. 

I keep reporting to transnion that it is past the 7 year mark and they keep illegally leaving it on my credit. Bow they have allowed XXXX to be on my credit report TWICE and one with a totally false date on it. I disrupted and they close sit stating it's valid with XXXX PROOF AT ALL. 

It's OVER 7 years old, everyone knows it and the same fake and fraudulent debt sure as heck can't be on there twice! It's like they aren't even doing their jobs anymore, just collecting our money to simply exist

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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I applied for SKYPASS Select Visa Signature Card, provided by US Bank, in XX/XX/XXXX  through their official website. ( https : //www.skypassvisa.comXXXX XXXX XXXX XXXX XXXX XXXX  ) and received the card in early XXXX. When I applied from the website, it clearly said " Earn XXXX Bonus Miles when you spend {$5000.00} in eligible purchases within the first 90 days '' and also there was even a news release from US Bank saying the same bonus ( https : //ir.usbank.comXXXX-XXXX-skypassXXXX ) It was not a personalized offer, but a public offer accessible from anyone from the website. 

I met the {$5000.00} spending criteria in the first month, but when I got the first statement in XX/XX/, it appeared that I only got XXXX bonus miles. On the statement, it says " XXXX Bonus Miles with {$3000.00} Spend ''. Not only the bonus miles, but also the spending criteria was incorrect. It was a totally different offer than what was advertised. 

Since then, I called them several times to fix the issue ( and at least to understand what exactly happened here ) and their response was always the same ; That's the offer you got and it could be different than what's advertised. It was very disappointing to hear that and nobody provided me WHY suddenly my offer was changed without any notice. I even felt like myself being a victim of scam.

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 2023-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Mr Cooper AKA Nation Star conducted an escrow analysis and advised of the shortage I was to pay in the amount of {$26.00} by the deadline to prevent my mortgage payment from increasing effective XX/XX/XXXX. However, despite paying the shortage on time the Mr. Cooper still increased my mortgage payment. I have already asked them to correct this error and instead of restoring my mortgage payment back to the original amount they justified the increase. This is extremely unethical, not to mention a bait and switch. In bringing this to light, it's my hope that regulatory entities will hold them accountable, make them correct their intentional error and investigate their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of {$1200.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX before in my life.

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 2023-12-09 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: WA

Complaint narrative:
my Information was sold and bought illegally because I was a victim of the Eqifax data breach. I want these Items Deleted from credit Reports Immediately. I am attaching Proof that Equifax has admitted that I was a victim of the data breach and Equifax has done little to nothing. Please Help me delete the illegal accounts as well as different variations of my name and different addresses. 
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 non-monetary relief