vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ADP Inc.
State: CO

Complaint narrative:
A fraudulent action on my wisely account occured and I filed a dispute in return they denied the action and claimed they went into a investigation with the XXXX XXXX XXXX. Which if they did they would have seen that I was not the one who took the money out of my account. I filed a police report and still had trouble finding anyone who would help me get my pay check back to me which was the amount of {$330.00}. It hurt me financially and had to struggle for months because I couldn't get my money I worked hard for returned. They claim as well to insure you in case of this incident through 5th party FDIC. Still I have not been approved to have my hard earned money back to me. I hope someone can give me help and answers to get this issue resolved and the rightfully earned money I worked for back into my pocket thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
I have provided all necessary information and expect the listed accounts to be deleted and blocked within four business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My accounts with NFCU were restricted and I was asked to submit identifying documents which I did via fax. The closest branch to me is over XXXX hours away and despite the fact that I am a XXXX Veteran and just spent XXXX months in the hospital having half my jaw removed- they are demanding I go into the branch. I have asked for my account to just be closed and my balance sent to my address on file. The customer service agent said she can send a request. She also insulted me many times by calling me maam when I explained my voice is strained from having a XXXX XXXX XXXX XXXX XXXX XXXX months. Very very rude. I was not told they will honor my request or not. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NQM Funding, LLC
State: FL

Complaint narrative:
I was in the process of buying a home. I had gotten a pre approval letter on XX/XX/XXXX from XXXX XXXX XXXX. XX/XX/XXXX I put an offer on a house. XX/XX/XXXX I received messages that my loan was approved. My closing date was set for the XXXX of XXXX. XXXX XXXX real estate agent asked if everything was on tracked hed say yes. Builder need more time closing was move for the XXXX he said the sooner the better everything was set. Closing amount was never disclosed to me. XXXX team lead told me it might be XXXX. Then XXXX  days before the I was told it would be in the XXXX XXXX. Then the day before closing I was told I was XXXX short to close. I told him I didnt have that. Then I was transferred to the manager XXXX XXXX who explained that without the XXXX or a gift receipt I wouldnt be able to close. My boyfriend offered to pay the which was okay with XXXX. Then suddenly he told me to refer to his manager XXXX due to the complexity of the loan and he refuse to help anymore and just gave me her number. XXXX was unreachable then I received an email stating that I needed XXXX gift receipt to cover necessary fund plus reserve which reserve is XXXX. Ive never seen so much unprofessionalism. Communication wasnt clear. They arent taking responsibility for anything. Blaming me stating I didnt give necessary documents requested by their teams many times when everything on their portal said caught up. Then it was a low credit issue which was never mentioned before. They even blame the real estate agent. The denial letter stated conditions not met was insufficient fun. Ive never seen so much negligence. I applied for FHA loan they gave me a conventional loan approval which made things difficult with seller. There are many time I couldve gotten out of the situation and get my XXXX deposit back but they waited till the day before. 
I received a loan denial email on closing date and that even had a different interest rate then what I originally had on file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies Equifax XXXX  and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. 

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus Equifax, XXXX and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. Addresses : The following are, Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize them. The inquiries Are also listed below XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be noted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Transunion, requesting an investigation into several inaccurate items listed on my credit report. In my dispute letter, I explicitly asked Transunion to provide specific information on how they verified the accuracy of the disputed items. The details I requested are as follows : The specific date on which Transunion initiated contact with the creditor regarding the disputed item. The complete contact information for the creditor, including their business name, address, and any available telephone numbers. The full name of the individual at the creditor 's end who verified the accuracy of the disputed information. Method of Communication Used to Verify Information : The method ( s ) through which Transunion communicated with the creditor/furnisher to verify the accuracy of the disputed item ( e.g., phone, email, mail ). Confirmation of whether the creditor/furnisher supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 

Despite my clear and detailed request for this information, I have not received an adequate response from TransUnion. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, consumers have the right to understand the process and basis upon which their disputes are resolved. 

The response I have received from Transunion dated XX/XX/year>, is a refusal to conduct an investigation and to provide the details being asked, the response stated We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.

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 2024-06-20 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: FL

Complaint narrative:
FCRA 605B appears to necessitate removing any incorrect accounts from my credit report. Can you look over the documents? Several accounts have inaccuracies in the reporting, amounts, and dates.

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 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We had an insurance claim as where XXXX sent the first check on XX/XX/XXXX and then another about a month later. Shell Point Servicing never contacted me or disbursed the funds. My insurance carrier ( XXXX ) and the contractors, XXXX XXXX XXXX XXXX XXXX XXXX, and Window World have all been calling to collect their money. 
Every time we call in they keep asking for additional information that was already sent. I have sent XXXX emails directly to the Protor who is : XXXX XXXX Loss Draft Associate o : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I have sent many email to the mail email ( XXXX ) sending them documentation from the contractors over and over again. 

Shell Point refuses to release funds for an unknown reason and they will not contact any of us back. 

This has been going on since XXXX of this year ( XXXX  ) and still no resolution. 

Please help us recover the funds that do not belong to them. They are exhibiting fraudulent activities by keeping the insurance carrier money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am writing to dispute an inaccurate collection account on my credit report. I cancelled my XXXX XXXX and moved due to XXXX, but was erroneously billed for an additional cycle. I also returned my equipment as I was supposed to and they say they didnt receive it and thats why im also charged additionally. This inaccurate information is damaging my credit score and should be removed from all three credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: VA

Complaint narrative:
I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of *I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to XXXX per month per illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of *I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to XXXX per month per illegal reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist Communication Regarding [ XXXX and XXXX ] Please Report to sender, I am writing to you regarding the above-referenced account. I request that you cease and desist all communication with me concerning this debt, effective immediately, as per my rights under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that any further contact from your agency regarding this matter will be considered a violation of the FDCPA, and I will be forced to take appropriate action to protect my rights. This includes, but is not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General 's office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have several unauthorized hard inquiries on my credit report, which are fraudulent and likely due to identity theft. Under 15 U.S. Code 1681c-2 of the FCRA, these inquiries should be blocked. Attached are my FTC Identity Theft Report, identification, and credit report highlighting these inquiries. I request their immediate removal.

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 2024-06-20 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:
I have several unauthorized hard inquiries on my credit report, which are fraudulent and likely due to identity theft. Under 15 U.S. Code 1681c-2 of the FCRA, these inquiries should be blocked. Attached are my FTC Identity Theft Report, identification, and credit report highlighting these inquiries. I request their immediate removal.

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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The terms were outrageous the amount of information was more than what is needed they XXXX  required access to my HIPA any and all devices SS, DL information and not just once for a year. Please tell me how to take action they are taking advantage of seniors and other vulnerable consumers

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