vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: NE

Complaint narrative:
Kindly update my account and remove the inaccurate late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am extremely frustrated with Navy Federal Credit Union for their lack of responsiveness and transparency regarding my requests for specific documents. On XX/XX/2024, Navy Federal Credit Union received a detailed written request ( USPS tracking number XXXX ) seeking copies of the information they are reporting to consumer credit agencies about me. They acknowledged receipt of my letter but failed to provide the requested documents, simply stating that they had investigated my claim and found the information they reported to be accurate. Dissatisfied with their response, they received a second letter on XX/XX/2024 ( USPS tracking number XXXX ), yet I have still not received any response from them whatsoever. Their failure to provide the requested documentation violates the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit reporting agencies, upon request, provide consumers with all relevant information about their accounts being reported. This lack of action and accountability from Navy Federal is not only frustrating but also potentially damaging to my credit standing and financial health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc
State: TX

Complaint narrative:
Hello, my name is ( Blank ) and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We purchased a washing machine from Lowe 's on XX/XX/24 by opening a new Lowe 's credit card account.in order to receive a {$100.00} off discount. I was told the transaction would not be posted to the new account until I received the washer delivery which was delayed until XX/XX/24. Today, XX/XX/24, I received an email stating my Lowe 's credit card payment was past due. I have not received any statements in the mail as of yet. I registered my new account online, set up paperless statements, set up auto-pay and made my first payment on XX/XX/24. When I view my Statements online, it says, " No statements available. When available, you can view and download XXXX  statements from this page. '' Why am I being penalized for missing a payment ( {$30.00} late fee ) when there has not been a statement generated as of yet for this account? Is this not a regulation violation? I have already called and spoken to customer service who admitted on the recorded line that he apologized for the delayed statement and kindly waived my late fee and interest ; however, I want this matter looked into as I feel this is a regulatory violation as I was not provided a due date, minimum amount due or anything reflecting my balance. I also want to ensure my credit bureau report has not been impacted by this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Kindly remove these inquiries. I'm not informed about them, and they were made without my permission.

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 2024-04-24 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: TX

Complaint narrative:
I've reached out to transuniom via phone, and mail to dispute XXXX XXXX XXXX XXXX. Their investigation was less than 30 days and even after submitting proff from the company transunion will not remove this I'm accurate information that is causing problems with obtaining 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Got a copy of my credit report items on it that does not belong tome

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 2024-04-25 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: NE

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
The late payments in questions are associated with the following account Gold Star Finance XXXX XXXX Remove charge off -Remarks -Acc XXXX- No late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Closed XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX Dates open XXXX XX/XX/2023. 

Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TX

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 explanation
Consumer complaint received 2024-04-24 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: AZ

Complaint narrative:
To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Delete this account.

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 2024-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Dispute reference : XXXX I opened Citi savings account via the Miles Ahead Savings Program where a lump sum miles bonus is awarded to your XXXX XXXX account and a 25 % bonus miles for charges on a credit card I had under the same account after maintaining your balance of funds in the savings account for 90 days. I opened my account in the beginning of XX/XX/2023. I have received no lump sum bonus nor spending bonus after having satisfied all the requirements, and as of today we are 173 days after opening the account. I have attempted calling Citi nearly a dozen times to confirm my account status was correct and that my bonus would be paid out properly. It is now XXXX, and I have received nothing. 

Citi has had the benefit of a meaningful amount of my savings for 173 days, while I was expecting to earn the lump sum award, and spending bonus and have received neither. This is a sad example of the banking system that so many have come to resent. Citi 's failure to uphold the simple and basic end of an offer they extended to their customer base is shameful. Making the situation worse has been their grossly incompetent handling of any resolution. I have wasted multiple hours and calls to seek fair resolution. 

I have filed a Citi dispute 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Got a copy of my credit report there was items that were not mine. I am the victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-04-25 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-04-25 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: GA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
On XX/XX/2024 we applied for a first time home buyer loan with Amerisave mortgage and we were charged up front credit report charges of XXXX dollars with a guarantee certified approval after we were pre approved through Amerisave for our VA loan. After that we have had XXXX success in getting the lender to respond to our emails or phone calls after submitting even more documents with highly sensitive information. We were promised a locked in lower rate and certified mortgage approval which both were false and deceptive.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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:
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 2024-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
1. I called XXXX on XXXX, XX/XX/XXXX, regarding the return of my funds from a recently matured XXXX CD. I spoke with XXXX XXXX presumed spelling of XXXX ) indicating my desire to not renew and to return my funds plus interest to me via ACH. 

She administered what sounded like an XXXX  credit report XXXX  XXXX. This is unique. I have had many CDs mature in the past several months. This is the first bank to ask such questions. She prefaced by stating, " I can not repeat questions, '' On the final question, she interrupted with a personal comment about the sound quality. I asked about the question she just asked, about my age and five-something. She stated she could not repeat it. I exclaimed, " I am XXXX! You are on a speaker. If there were sound issues, it should have been mentioned before asking me questions! '' She then repeated the question and stated she had just emailed XXXX and to check my portal, making it sound imminent. I XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX There was no ACH. 

XXXX. I XXXX XXXX Webster Bank by logging into my CD on XX/XX/XXXX and XXXX. 

XXXX. I called for my final time on XX/XX/XXXX. It was not only after the deadline I had set by XXXX  of XXXX, and they moved to " end of day, '' ( XXXX ) but also referenced one of the messages I am quoting : me : ACCEPT -- - Original Message -- - From : Webster Bank, XXXX. 
Subject : XXXX ACH Transfer Request Received : XX/XX/XXXX Hello XXXX XXXX We are sending you this email as you requested an ACH transfer from your XXXX  account. 

Please review the information below for accuracy. 

Date- XX/XX/XXXX Account Name- XXXX XXXX  Debiting Account Number- XXXX Amount- {$520.00} plus any additional interest per diem Receiving Bank XXXX XXXX bank Routing Number to Credit- XXXX Account Number to Credit- XXXX Receiving Account Name- XXXX XXXX  Account Type- Checking By replying ACCEPT to this email, I authorize Webster Bank to initiate a one-time electronic debit from my Webster Bank account and credit the account listed above. I acknowledge the origination of electronic transactions to my account must comply with the provisions of XXXX law. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, for " end of day '' but before the call center closed at XXXX XXXX I called XXXX and was passed to XXXX in XXXX XXXX XXXX He said XXXX important things. 1. " I don't see a case ( to do the ACH ) submitted yet. 2. " 'Accept ' response not acknowledged.. I just did that. '' 3. Set another wobbly-seeming deadline of XXXX XXXX  on the XXXX to set up the ACH in light of his brief comment on the backlog transfers regarding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I received notice my credit score dropped by XXXX XXXX After logging in found I had a new collection reporting as of today XX/XX/24 for {$2000.00}. I was never contacted by the original debtor or the collection company at all in regards to this debt. I'm actually an employee with the original debtor for over 6 years and have free services. So, not only was I never contacted to dispute this debt, I've NEVER had any balance as all my services are FREE!!. I started a dispute with the 3 major CRAs as of today XX/XX/24. I just felt like this was wrong and after some research found more info about my rights and that is why I'm now filing this complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief