vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: MD

Complaint narrative:
I am writing to file a formal complaint against First Progress Credit Card Company due to inaccurate information being reported on my XXXX credit report. Despite numerous attempts to resolve the issue directly with the company, the information on my credit report remains incorrect and has not been updated to reflect the most recent, accurate status of my account. 

Here are the details of the issue : Account Status : My First Progress account has been closed since XX/XX/year>. However, my XXXX credit report continues to show a past due status and a remaining balance of {$190.00}, which has already been paid in full with no settlement. 

Late Payment Reporting : The account also inaccurately shows that it is two months late, which is untrue. There have been no late payments or delinquencies on my part. 

Communication with First Progress : I have sent multiple letters ( via fax ) to First Progress, requesting that they correct the information being reported to all credit bureaus. These letters were sent on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Each time, I have been assured that my request was received and approved, and that updates would be made when the account reported on the XXXX of the month. However, no updates have been made to reflect the accurate information. 

Customer Service Experience : I have followed up consistently with First Progress, requesting to speak with a manager or supervisor over the past six months. However, I am only transferred to a lead representative who advises me to send another letter due to the lack of response. This ongoing cycle has been frustrating and has hindered my ability to resolve the issue. 

When I initially became a customer with First Progress, their customer service was timely, and their credit reporting was accurate. However, after they outsourced customer service to offshore call centers and altered their operating procedures, it has become increasingly difficult to get consistent, accurate information or assistance. 

The inaccurate reporting on my credit report has had a negative impact on my ability to move forward with my credit rating and financial goals. I am requesting your assistance in ensuring that First Progress corrects this erroneous information and that all credit bureaus are reporting the same, accurate details regarding my closed account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-14 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: MI

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax Consumer Services , I am writing to formally request the blocking and permanent deletion of all fraudulent accounts and inquiries listed on my credit report, as I am a victim of identity theft following a recent data breach. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I am requesting the removal of these accounts to protect my credit standing and prevent further unauthorized use of my personal information. 
The accounts in question are as follows : Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-14 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Acquisitions Group
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Debt Validation and Collection Practices Dear Sir/Madam, I am writing to formally file a complaint against Foster and Monroe  regarding their attempts to collect an old debt that I believe they have failed to validate properly. I am concerned that their actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and wish to seek your assistance in resolving this matter. 

Details of the Complaint : Creditor Information : Foster and Monroe XXXX XXXX XXXX XXXX XXXX  NY XXXX Account Information : Account Number : [ Your Account Number ] Debt Amount : XXXX Nature of the Complaint : Failure to Validate Debt : On approx XX/XX/2024. I requested written validation of the debt, including details on the original creditor and the amount owed. To date, Foster and Monroe have not provided any documentation to substantiate the legitimacy of this debt. 
Right to Sue : Additionally, I have concerns regarding their right to initiate legal action against me for this debt, especially given that it is an old debt. I am unsure whether this debt is still enforceable in my state based on the statute of limitations for debt collection. I live in Arkansas and incurred this debt over 16 years ago while I was still in service. I believe that Foster and Monroe 's lack of communication regarding my validation request indicates a disregard for my rights as a consumer. Their actions have caused me unnecessary distress and confusion. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and provide guidance on the appropriate steps I can take to protect myself against potential legal action related to this debt. Additionally, I would appreciate any assistance in ensuring that Foster and Monroe comply with the debt validation requirements established by federal law and remove this from all three of my credit files. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-11-14 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-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 am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX  Account number : XXXX 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 2024-11-14 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute Regarding Violation of Consumer Law - Section 605 ( b ) Dear Consumer Financial Protection Bureau , I am writing to formally dispute a violation of consumer law as outlined in Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). This section pertains to the accuracy of information contained in consumer reports, and I believe my rights have been violated in this regard.

Santander Consumer USA whom have a tract record of violating consumer law, and also intentionally misleading consumers have done so to my accounts The inaccurate information on my credit report has had a detrimental impact on my creditworthiness and has hindered my ability to secure credit. Under the FCRA, I am entitled to dispute inaccurate information and request that it be investigated and corrected.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights as a consumer are upheld. Attached to this letter, you will find copies of relevant documents, including my credit report and any correspondence related to this dispute.

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have made multiple transactions where money wasnt taken out right away or reflected in the account. I went to eat at XXXX  on the XXXX and the amount wasnt reflected in my account until the XXXX. On the XXXX I checked my account and had over {$600.00}, when I checked today I only had a little over {$200.00}. This is one of several transactions that were taken out all at once on the XXXX. I would also like to add that cashing checks takes up to 5 days for it to be fully deposited with only {$200.00} available next day which had also caused financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently showing inaccurately on my report filed with your credit bureau. Pursuant to 5 U.S.C 552a ( i ) ( 3 ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. As your agency has failed to send me proof of verification these accounts belong to me violating my rights. If not resolved as requested I will file a lawsuit against your Agency. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act.

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 2024-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/year> I went to a gas station to put gas in my car. The credit card I have is for gas, tires and brakes. However, I tried to charge the card, but it kept declining. so I check my app with the company and it states that my account is closed. im a bit confused and disgruntled simply because I just made a {$200.00} payment not even two weeks ago. I then gave them a call immediately after i noticed ( XX/XX/year> ) trying to see if Im able to dispute the closure or see if theyll be able to reinstated it but they said it was no option to do so. they stated that the closure happened due to returned payments. I had a returned payment of {$200.00} on XX/XX/year> however once i noticed it didnt go through i made another payment on XX/XX/year> for {$200.00} that posted! i had another returned payment on XX/XX/year> for {$99.00}, again i saw it didnt go through so i made another payment on XX/XX/year> for {$200.00} on XX/XX/year>. I then asked them to pinpoint where in my agreement does it say that my account would be closed due to returned payments, they couldnt do that. i asked is there any possibility of reinstating it or if we could come to an agreement, they recommended to send a letter to the head of the company but there was nothing they could do. im a loyal paying consumer and i havent even had this card for a year. i havent received any notice of this closure when the first returned payment happened. i feel as if there was definitely a lack of communication on their part and they are making me pay the price for it!

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and XXXX XXXX  have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.

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 2024-11-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and XXXXXXXX XXXX have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Self Financial Inc.
State: FL

Complaint narrative:
XXXX and Self/Lead Bank have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX Balance : {$6900.00}

Company response to consumer: Closed with explanation