vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
First of all, i've been experiancing inaccuracies on my XXXX and transunion XXXX XXXX is not following the guildlines from the fair credit reporting act ... XXXX is allowing a late payment on my report due to regions bank errors and regions not followering procedures under the fair credit reporting acts... IT STIPULATE, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD OR A LINE OF CREDIT AS LATE FOR ANY PURPOSE, UNLESS THE CREDITOR, WHICH IS REGIONS BANK MAILED OUT TO CUSTOMER PROOF THAT THEY MAILED A LETTER OR STATEMENT 21 DAYS BEFORE THE PAYMENT WAS DUE, .. ( SECTION 1637 ( B ) 15 US CODE 1666B..THIS BANK AND XXXX IS BLATANTLY IGNORING THESE LAWS... I'VE EMAILED DOCUMENTATION TO SHOW THAT I WAS A VICTIM OF IDENITY THEFT WHICH STARTED THIS FIASCO, REGIONS BANK SAID IN XXXX OF THEIR RESPONSE, THAT I WAS NOT A VICTIM OF IDENITY THEFT NOR WERE THEY AWARE OF XXXX AND XXXX FRAUDULENTLY TOOK {$590.00} XXXX MY XXXX ACCOUNT ... THEY LIED ... .I EMAILED THE POLICE REPORT AND DOCUMENTATION TO PROVE THAT THIS IS WHAT TOOK PLACE AND THIS IS WHY MY LINE OF CREDIT WAS LATE BECAUSE THE BANK TELLER DID NOT ATTACHED MY LINE OF CREDIT TO MY NEW ACCOUNT AFTER THE FRAUD TOOK PLACE AT REGIONS BANK AGAIN ... IM PROVING THAT THS BANK OR WHOEVER IS RESPONDING TO MY CLAIMS ARE NOT REPUTABLE, MY INFORMATION THAT I SENT WILL PROVE THAT...

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 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against U.S. Bank Mortgage for repeated and systemic mismanagement of my mortgage account, resulting in significant personal and financial harm. 

Key Issues : Recurring False Delinquency Reporting For XXXX consecutive years, U.S. Bank has erroneously reported my mortgage account as delinquent in XXXX for an XXXX payment. Despite my proactive effortsincluding monthly calls to verify my account statusthese errors persist. U.S. Bank representatives have repeatedly assured me that my account is current, yet false delinquency reports continue to damage my credit and cause undue stress. 

Poor Communication and Limited Access My mortgage is XXXX XXXX XXXX XXXX XXXX XXXX, serviced exclusively by an office in Wisconsin with limited hours and no direct contact number. This severely restricts my ability to resolve issues in a timely manner. 

Failure to XXXX XXXX XXXX U.S. Bank failed to complete required forms for the XXXX XXXX XXXX, delaying the reissuance of a lost check. This caused unnecessary financial strain and disrupted my payment schedule, despite my diligent follow-up. 

Mismanagement of Payments U.S. Bank is currently refusing to apply my payments to my account, instead placing them in a suspense account. This action further exacerbates the situation, creating a false delinquency that harms my credit and my ability to maintain stable housing. 

Acknowledgment of Error Without Corrective Action Last year, U.S. Bank admitted their reporting error, yet the same issue has recurred. This demonstrates a pattern of negligence and an inability to adequately service my mortgage. 

Impact : These ongoing errors and false credit reports have caused severe damage to my XXXX XXXX, disrupted my financial stability, and negatively impacted my quality of life. Every holiday season, I am subjected to harassment through false delinquency reporting, ruining XXXX and XXXX with unnecessary stress and anxiety. 

Desired Resolution : I am requesting the following actions : XXXX correction of my credit reports for the erroneous delinquency entries. 
A full investigation into U.S. Banks servicing practices for specialized mortgages.

Implementation of safeguards to prevent future errors.

Compensation for the financial and emotional harm caused by these repeated errors. 
Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.

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 2024-12-05 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: IL

Complaint narrative:
Mixed information on my credit report is showing accounts that are not mine, and its harming my credit score. I have reached out several times with no action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Hello, I began banking with XXXX XXXX in 2017. Recently, I have noticed overdraft fees that seem unclear to me, particularly with ATM withdrawals and peer-to-peer transactions. While reviewing past bank statements, I discovered discrepancies that I overlooked previously as a loyal customer. I kindly request a thorough review for any mistaken charges and a possible refund. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: PA

Complaint narrative:
On XXXX 2024 an on line banking payment from my XXXX XXXX account was made.That transaction was rejected by American Express.I have a checking account with Key Bank XXXX The Key bank has let XXXX XXXX XXXX access my checking account and take funds from my checking account with out my permission. XXXX XXXX withdrew {$6400.00} from my personal checking account with Key Bank. I did not have that amount in my Key Bank checking account, leaving me with insufficient funds to cover my debit card and check writing ability No one in the Key Bank customer service dept can explain why I was not asked before taking my cash. My payment had nothing to do with XXXX XXXX you please looking into my problem? On XXXX XXXX I had {$4000.00} in my checking account on XX/XX/XXXX, I had minus- {$2300.00}, I was told the problem was fixed on XX/XX/year>. XXXX XXXX continues to process every few days looking for funds they have no right access in my Key Bank account. The funds were to come from my XXXX account not Key Bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
The collection agency did not notify me about the debt and refused to provide any information regarding the account during our phone call today. I have disputed the debt multiple times and requested verification. Additionally, I filed an ID theft complaint with the FTC and the local XXXX, and I received a police report. 

The collection agency seems to play games with consumers by ignoring my requests. The original creditor, AAFES, is also a collection agency under the XXXX XXXX XXXX They have resorted to retaliatory actions against me as a consumer. 

Just last week, I made a purchase at AAFES on the XXXX XXXX XXXX XXXX using my personal credit card. The following day, when I attempted to return the item, I was informed that my ability to make returns had been blocked by AAFES due to issues related to checks. However, I have never written a check to AAFES in the past.

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 2024-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This account was included in bankruptcy, and I have asked over and over again for it to be removed. I will not ask again, I will file a lawsuit next. There is no reason not to take this off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I was told due to me being a XXXX XXXX XXXX XXXX  I am eligible for student loan discharge which would delete these student loans off my report by XX/XX/year> by NelNet : DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> DEPT OF ED/NELNET : Account number : XXXX Open Date : XX/XX/year> It has not been removed and is now being reported inaccurately by the Credit reporting agencies. UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: VA

Complaint narrative:
Hi there, My name is XXXX XXXX. I was the victim of fraud when I was a chime account holder about XXXX XXXX XXXX  I worked tirelessly for nearly a year after my account was hacked to get my money back. I had just received my tax return in XXXXXXXX XXXX XXXX and the next day all of the money was drained from my account and so began the fight to prove that I was a victim of fraud. After many months of talking to people with a big XXXX XXXX, I was only able to get back {$2000.00} of the over {$5000.00} that was stolen from my account. Numerous charges in XXXX, XXXX, places Ive never had the pleasure of going to, nor would I have been able to purchase anything there as I was working in the XXXX when this occurred and I dont even have a passport. My chime card was locked during some of these purchases as I was trying to resolve and secure my account from XXXX to about XXXX of that year. I was told so many different things about the fraud and even at XXXX point a representative advised me Id need to get a new social security number?! Thats absolutely insane and not sure how to even do that. My name iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am requesting a final resolution for this fraud, I deserve to be able to have my hard earned money refunded to me as I more than proved this was Fraud and spent so much of my time and energy trying to fix this. And to think it was all because I was trying to build my credit as a single mother who struggles daily, only to have what little money I had, stolen within hours of its deposit. Only to fight and prove that it was my money, my account. I would really appreciate some follow up and resolution on this issue. Life happens, and as a single mom my focus needs to be on providing for my child, and people deserve the security of knowing their funds are safe and secure. Chime is all over social media and television guaranteeing how easy and safe their accounts are, yet theyve not resolved fraudulent activity and its nearly impossible to speak with someone who can truly help with no barriers. XXXX grateful and proud of people who can sXXXX XXXX XXXX, dont get me wrong, but in a situation where you are required to prove your identity and write statements as to why you should be refunded Your own MONEY for purchases that were proven fraudulent, it is very difficult. And chime can not claim to be safe or secure when this happened and Ive yet to get all of my money back. I am attaching just some of the communication about this fraud and how elaborate it was. It lasted for months. I want my money back once and for all. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no idea how they got there. I check my credit regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts were still there. Im begging for the documents Ive sent to be reviewed carefully so I can stop living with this constant anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-05 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: IL

Complaint narrative:
Mixed information on my credit report is showing accounts that are not mine, and its harming my XXXX XXXX. I have reached out several times with no action taken.

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 2024-12-05 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: TX

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history.If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX tried multiple disputes with this account i am unaware of this is identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX 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 XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief