vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
The account I opened with HSBC US in XX/XX/2023 was closed without any notice. In the message I received later, they said they could close my account with or without reason, but they After closing my account, I shared the information with other partners that I did not authorize and claimed that my account was closed due to financial crimes. However, I did not violate any account terms or U.S. laws and regulations.. They unilaterally closed my account without facts and reasons, and HSBC USA sent other banks or financial institutions the false information that I had committed a financial crime. This false information caused other banks to refuse to serve me and damage my reputation. became a huge influence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 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: TN

Complaint narrative:
I reviewed my credit report a few months ago, and noticed that it was so many inaccuracies on my report. I reached out to each credit bureau directly after sending the additional required documents nothing was resolved. Consumer reporting agencies have assumed such a vital role and have a responsibility to report Consumer information to th best of their ability with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed. Its been well over 60 days and I need a resolution soon.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I reviewed my credit report a few months ago, and noticed that it was so many inaccuracies on my report. I reached out to each credit bureau directly after sending the additional required documents nothing was resolved. Consumer reporting agencies have assumed such a vital role and have a responsibility to report Consumer information to th best of their ability with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed. Its been well over 60 days and I need a resolution soon.

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 2024-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
For the past two days I have been experiencing issue making payments to my credit card company XXXX XXXX for my XXXX XXXX. Apparently, XXXX XXXX uses Telecheck to assist them process check payments. I attempted to pay my entire balance on my credit card in the amount of {$500.00} but continuously got declined message. I contacted XXXX XXXX to inquire why my payment was being declined. I was advised that I would have to contact Telecheck to find out the exact reason as to why my payment was being declined. 

I contacted Telecheck and spoke to numerous representatives over the past XXXX or 4 days and never received acceptable reason as to why my payments or being declined. I made to payments in smaller amounts ; 1 for {$300.00} and another for {$200.00}. I received payment confirmation from XXXX XXXX that my payment was successfull. Payment confrimation are XXXX ( {$300.00} ) and confirmation number XXXX ( {$200.00} ). 

After making these payments I waited to see if they would be presented to my bank XXXX XXXX XXXX XXXX for processing. I waited but discovered that payments were never presented to my bank. I contacted XXXX XXXX to inquire why my payments were not processed. This issued has caused my balance on my credit card to me reported higher to credit reporting agencies which is totaling unfair.

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 2024-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In a letter dated XX/XX/year>XXXX  from XXXX XXXX, where I do not have a banking relationship, they received an online application to open a new deposit account using my personal information. Based on the information received, they were unable to successfully verify my identity and decline to open the account. They told me to contact the credit bureaus, which I have, and file a report with the XXXX. 

Between XX/XX/year>XXXX  and XX/XX/year>, an inquiry was made by Capital One Bank USA was added to my credit report. This was a hard inquiry from an institution where I have no banking or revolving credit relationship. This hard inquiry was reported on both my XXXX and XXXX credit file. 

I monitor my credit and was notified that I had two hard inquiries appear on my file and I noticed the coinciding credit score drop. I would like investigation, removal of hard inquiry notices on my accounts and restitution to my credit scores. 

I have not engaged directly with either XXXX XXXX or Capital One Bank USA, as I am not a current client with no form or recourse to my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: GA

Complaint narrative:
I contacted Experian and requested a Formal Request for Removal of Inaccurate Account Information. The Information is follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX, As allowed under FCRA 1681g, I requested a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. Section 1681s-2 mandates that furnishers of information ( creditors ) provide only complete and accurate data. I request that you verify with the data furnisher that each detail complies with these legal requirements. If the furnisher fails to provide full verification for the full-length term of this account starting on XX/XX/XXXX to XX/XX/XXXX, including proof of my legal and lawful signature and if the account was written off or paid, please also provide a copy of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  1099 form for tax reporting purposes please remove this entry from my credit report in adherence to the FCRAs accuracy standards. 

Nothing requested was received by Experian however Experian has continued to incorrectly report this account causing me issues with obtaining credit and housing. 

This account has several inaccuracies and I have requested more than 5. times for them to be fixed yet Experian has continuously reported than in error, severely damaging my credit. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 
Experian failed to provide accurate info of over 4 months, including the account listed as " Paid Off '' yet they are reporting it as a collection account. If the account was paid off, that would be a charge off, and if it was charged off, WHY haven't I received a 1099 for my tax reporting purposes?

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 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question are listed as follows : Creditor Name : XXXX XXXX  Synchrony Bank XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the monthly charge-off results in a misleading and inaccurate credit report, significantly harming my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and confirm these corrections for me. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-18 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: MD

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 non-monetary relief
Consumer complaint received 2024-11-18 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: IL

Complaint narrative:
I am writing to formally address my ongoing frustration with EXPERIANs blatant disregard for my prior requests and their failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ). Despite my previous communications, EXPERIAN has not removed the disputed items from my credit report as I requested. Not only has my request been ignored, but EXPERIAN has also failed to provide any response or explanation as to why the items have not been corrected or removed. This inaction directly contradicts the requirements set forth under Section 1681i of the FCRA, which mandates that credit reporting agencies conduct a timely and thorough investigation of any disputes and resolve the issue within 30 days. Their continued negligence in addressing these issues is both frustrating and unacceptable. 

As a result of this failure to act, I am once again requesting a formal reinvestigation of the disputed items, which I believe to be incorrect and in violation of the FCRA. The items in question have been found to be illegal and erroneous, and under Section 1681e ( b ) of the FCRA, EXPERIAN is obligated to maintain accurate and complete information in consumer credit reports. Therefore, I am requesting that these items be permanently blocked or deleted from my credit file. Failure to address this matter promptly may force me to take further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing other remedies available under the FCRA. I trust EXPERIAN will act swiftly to resolve this issue and comply with the law moving forward.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
this company has been harassing me saying I owe money the amount keeps changing I have never borrowed money from this company or gotten a loan from them my identity has been stolen from two different companies XXXX and XXXX I have used the company to provide me with proof I owe the alleged debt by providing a wet signature photo ID or SIGNED original documents or remove this item from my report per FCRA 605 ( b ) is U.S.C. 1681c -2 and they have not I have hired an attorney in this matter to sue to company credit acceptance corp. This company sent me paperwork with my name computer filled in no signature no photo ID no pen writing no signed documents just my name spelled WRONG... ..on a computer generated piece of paper. 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 2024-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint against my mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC ), for imposing force-placed insurance premiums significantly higher than market value. While I acknowledge a lapse in payment for my homeowners insurance between XX/XX/year>, and XX/XX/year>, due to personal reasons, the charges levied for the force-placed insurance are disproportionate and unreasonable. 

Details of the Issue Mortgage Account Number : XXXX Lender Name : Mr. Cooper ( Nationstar Mortgage LLC ) Lender Contact Information : Phone : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX Timeline : My original homeowners insurance policy lapsed on XX/XX/year>. 
I secured a new insurance policy effective XX/XX/year>, and promptly provided proof to the lender. During this lapse, the mortgage servicer imposed force-placed insurance. 
Charges : The cost of the force-placed insurance was {$1600.00}, covering approximately two months. This amount is disproportionately higher than comparable market rates. For reference : My current annual homeowners insurance policy through XXXX costs {$2000.00}. 
A comparable policy for the same period of force-placed insurance would have cost approximately {$400.00}. 
Complaint The excessive cost of the force-placed insurance, more than four times the market equivalent, appears unreasonable. I believe this charge does not reflect fair market value and violates consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : XXXX XXXX  Synchrony Bank XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-18 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: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-11-18 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: FL

Complaint narrative:
My credit score dropped by XXXX points on XXXX on transunion, while it improved on XXXX  and fico, as Ive improved my credit utilization. Transunion told me they cant find any reason why they dropped it, and they didnt know why. I was given no other explanation

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 2024-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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