vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-26 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We went to XXXX ( merchant ) on XX/XX/year> to purchase groceries. While checking out, we used our debit card from Ally Bank and 'rounded up ' our order total on the pin pad to donate to charity. Doing this caused the XXXX payment system to freeze which XXXX stated the transaction did not go through on their end from our debit card and they asked us to pay again. We observed our Ally bank account had a pending charge from XXXX so we paid again with a credit card from XXXX XXXX  for the same total of {$160.00}. XXXX stated the charge should drop off our Ally account. Attached below are both charges on the same date from the same merchant on both our accounts for reference. 

The charge ended up posting to our Ally Bank account. We contacted XXXX who stated they will refund our Ally Bank account which they provided documentation ( attached below ) saying this refund went through. This refund never posted to our debit card. 

We disputed the XX/XX/year> transaction for {$160.00} through Ally bank as we never received a product for this charge on our account. They denied the disputed transaction and stated their reasons for denying which had nothing to do with the reason why I submitted the disputed transaction. We re-submitted another dispute which is ongoing with Ally Bank.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Credit Report Account Dear Equifax, I am writing to formally dispute an error on my Equifax credit report regarding my [ XXXX XXXX ] account. As of [ XXXX ], my report does not reflect my on-time payments for the months of XXXXXXXX and XXXX XXXX This is causing my credit score to inaccurately reflect my financial behavior. 

I have attached the following documents to support my dispute : 1. A copy of my recent account statement from XXXX, showing my on-time payments. 


2. Screenshots of my payment history directly from the account portal, indicating a " good standing '' status. 



Based on the evidence provided, I request that Equifax promptly update my credit report to reflect my accurate payment history and ensure my credit score reflects this adjustment. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: FL

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 2024-12-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have notified the credit reporting agencies of this misinformation that they are reporting.and well as those several violations that they are committing by reporting inaccurate information on my report. And they have chose to ignore me. 
At this point I must demand that all those attached accounts be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MO

Complaint narrative:
I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I submitted a dispute to Equifax for a inquiry that was on my credit report for XXXX XXXX. I reported an identity theft to all three credit bureaus and Equifax stated they did receive this information from the credit bureaus, but they do not handle business like they do for disputes. The direction I was given to remove this inquiry from my credit report is very suspicious. I was directed to fill out an application for ftc.gov for this to be removed and send this information by mail to them with a copy of a picture of my Social Security card and a picture of my drivers license. They said they will not remove until they receive these documents. I have called XXXX XXXX. They have told me that they will work with Equifax to try to get this removed as well because this was a fraud and I spoke with a XXXX, who is the supervisor. He even agreed that sending these documents to Equifax by mail should not be what I am doing because those are sensitive pieces of information and I agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the NPB report showing my information being exposed in a national database and a Validation of debt Letter.

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 2024-12-26 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: TX

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On the morning of XX/XX/year>, I walked into US Bank located in XXXX  ( XXXX XXXX  XXXX XXXX  XXXX ) and spoke with teller/Branch Manager XXXX XXXX to assist me with my account. After realizing who I was XXXX  began to cite a script to me stating that my account was being closed without explanation. I asked for a reason and recent bank statements for the account and yet again she repeated her script of the US Bank policy & procedures about closing accounts upon their discretion with no explanation required. She then followed up with asking me for my identification to pull up the account to proceed to close the account ( with an available credit balance of {$9000.00} ) and issue me a check for the funds available, I declined. After about 10 minutes of pleading for an explanation and how I feel violated and discriminated concerning the matter, XXXX then dismissed herself from the counter to her office and closed the door. Since then, ALL account information from the checking account in question has been scrubbed from my customer profile leaving no evidence of its existence. To-date, my funds have NOT been returned to me neither was I properly informed of any suspicious activity on the account to report to XXXX for a XXXX report .

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 2024-12-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Update Credit Report Account Dear TransUnion, I am writing to formally dispute an error on my TransUnion credit report regarding my [ XXXX XXXX ] account. As of [ XX/XX/XXXX ], my report does not reflect my on-time payments for the months of XXXX and XX/XX/XXXX. This is causing my credit score to inaccurately reflect my financial behavior. 

I have attached the following documents to support my dispute : 1. A copy of my recent account statement from XXXX, showing my on-time payments. 


2. Screenshots of my payment history directly from the account portal, indicating a " good standing '' status. 



Based on the evidence provided, I request that TransUnion promptly update my credit report to reflect my accurate payment history and ensure my credit score reflects this adjustment. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Request for Review and Removal of Late Payment for I hope this message finds you well. I am writing to formally dispute a late payment that has been reported on my credit report. I believe this late payment was recorded in error due to circumstances beyond my control. ( Regarding capital one account year 2020 ) In year 2020, in the months ( XXXX, XXXX, XXXX ) encountered numerous instances as I made a payment on time and a unexpected situation that reported my payment to the agency late and wrongfully has been reporting on credit account and falsified my ability to make the payment on time, such as an a banking error. I have since rectified the situation and ensured that all subsequent payments have been made promptly. 

Given these circumstances, I kindly request that you review my account and consider removing the late payment from my credit report. I believe this adjustment will more accurately reflect my creditworthiness and responsible payment history. 

Thank you for your attention to this matter. I appreciate your understanding and look forward to your prompt response. 


Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage was purchased by PHH. It was determined that flood insurance was required on the property after a FEMA reclassification. PHH has continued to charge me for unnecessary flood insurance since the homeowners association obtained coverage in XX/XX/year>. I have uploaded, emailed, sent hard copies and pictures of this coverage with verification to PHH. Their customer service people have not been helpful after promising to fix this several times. They ignore my evidence and add fees each month. I suspect that I have been stonewalled and overbilled by more than {$1000.00} over the last 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: OR

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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 2024-12-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have notified the credit reporting agencies of this misinformation that they are reporting.and well as those several violations that they are committing by reporting inaccurate information on my report. And they have chose to ignore me. 
At this point I must demand that all those attached accounts be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have notified the credit reporting agencies of this misinformation that they are reporting.and well as those several violations that they are committing by reporting inaccurate information on my report. And they have chose to ignore me. 
At this point I must demand that all those attached accounts be removed immediately.

Company response to consumer: Closed with non-monetary relief