vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Flagstar Bank regarding their refusal to close my accounts, despite my adherence to their prescribed procedures. 

On XX/XX/year>, I sent a written request to close both my checking account and MBD high yield savings account to the following address provided by the bank : XXXX XXXX XXXX, XXXX, NY XXXX, Attn : Bank by Mail. The letter was returned to me, despite ensuring that the address was correct. To confirm this, I paid an additional {$6.00} for a tracking number, as evidenced by the attached receipt. You can verify the tracking details via this link : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have confirmed this address multiple times with a Flagstar Bank representative, who assured me it was the only available address for account closure requests. Despite following these instructions precisely, my request remains unfulfilled. 

The alternative provided by the bank is to visit a branch in person to close the accounts. As I reside in XXXX, FL, and the nearest branch is 235 miles away, this solution is impractical and unreasonable. 

I believe the bank 's refusal to close my accounts and the requirement to visit a distant branch constitutes predatory behavior. This situation is causing undue stress and inconvenience, and I am now at risk of incurring fees for maintaining a low balance. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and assist in facilitating the closure of my accounts without further inconvenience or financial penalty. 

Thank you for your attention to this serious 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 explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I recently check my account and noticed that 2 late incorrect payments on my account. 
XXXX XXXX XXXX XXXX XXXXXXXX days late in which account was closed XXXX and XXXX had already sold my account to Dept of EDXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I have called so many times over the past 6 years to have this corrected and reviewed by someone. They refused to do it. I have 2 cards on my account listed, one a credit card and one a store card. I sent in all the paperwork to dispute. It was during the time of my very ugly divorce, so I decided to just settle and move on. We agreed to settle as paid as agreed. This was XXXX. Now in XXXX, all of a sudden they put me on CHARGE OFF. This is not what we agreed too. I am trying to buy a house and right after I got my preapproval, I got notification of this change on my credit report. I looked at it and sure enough it shows as CHARGED OFF rather than settled and paid as agreed. This took my credit score down almost XXXX points. This is causing me to not be able to buy my house! I called them and XXXX said it is what it is and I can continue to write in but they will not fix it. She then hung up on mew when I asked to speak with a manager. This was not my purchase. I believe one of the balances was like XXXX bucks or something small like that the other was around XXXX. I settled it. I paid what they asked for even though it was not mine and years later they change it to charge off. I also can not have charge offs on my credit as a bank manager which is why I settled it in the first place, even though it was not mine. I need this updated. It is set to fall off in a year but I am set to close on a house next month!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-22 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: MI

Complaint narrative:
This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. 

That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.

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 2024-07-22 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: MN

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C.1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.

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 2024-07-22 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: IL

Complaint narrative:
My account with Update the late payment to paid as agreed 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 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 those account 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.

Update the late payment to paid as agreed 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
I recently investigated my Experian credit report and noticed the account listed directly below has a " Potentially Negative '' designation, when it is in good standing, and verified by the credit card company as paid on time. 

XXXX  XXXX XXXX # XXXX Under 15 USC 1681 ( e ) ( b ) Accuracy of report : when a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In accordance with the Fair Credit Reporting Act, this error on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove the " Potentially Negative '' designation on this account, from my credit report, 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 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've had my AMEX card opened for ~10-15 years ago. ~1.5 years ago, I opened a new checking account and tried to switch autopay, since that time I am unable to get autopay configured. I've escalated to support several times and they just keep saying they've " escalated '' the ticket with no resolution for almost a year. I've had to call in every other month, to their credit everytime I forgot to manually submit my monthly payment, they have reversed the late fee and interest charge. I typically get an email/push notification when the late fee hits my account and I immediately pay the bill the same day. 

The other issue is that I've asked for them to contact me with routine status updates around this issue, and everytime they fully agree to contacting me ; however, they never do. I've gotten to no email, voicemail, etc regarding this issue. I don't believe I was even given the " IT Ticket number '' with some other department that they always transfer me to. Back in XXXX, I even emailed AMEX IT support a screenshot of what I was seeing. This was after several months of back and forth and someone finally escalating me to I have to attempt to login every month and pay my bill unlock every other credit card I have. The other irony is that I have two ( 2 ) credit cards with AMEX, the other one had no issue with setting up autopay with the new bank account or any other bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I requested information on how to apply for the cancellation of my private student loans on the basis of fraud and/or misrepresentation by my school. The servicer replied & stated there are no options available for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hey my CHIME, account was closed and I requested a appeal they still havent reached out and I have money left in my CHIME account please get back with me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I bought Bedroom from XXXX XXXX XXXX through XXXX  i have XXXX credit card with Synchrony Bank credit with this Bank {$1500.00} Every Month minimum payment {$64.00} Payment Due Date every month of Date XXXX Auto pay set up from my checking Account. 
First payment was XX/XX/year> But i did not get on time Account details or credit card from Bank. 
2. unnecessary late fee charging. every month. 
called Bank Representative they can not refund 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 2024-07-22 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer.

NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company has called numerous times between the hours of XXXX everyday including Saturdays and Sundays. They also call after XXXX. The amount of calls they in one day has become so overwhelming my mental health has taken such a toll with this ordeal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-23 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
On my credit report theres an inquiry from XXXX XXXX on XX/XX/year>. I called Experian about this to get it removed, I was told I had to call the company and they would send out the information to Experian to have them remove the inquiry. I called the company, they could not find any information about me. I gave the representative my name and full SSN. After searching their database and finding nothing I was told we dont send out information to the credit agencies. I informed them that an agent from Experian told me to call them to resolve the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally complain about the inaccurate and incomplete information being reported on my credit report. Specifically, the notation of the following late payment is inaccurate : Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> I respectfully request that you investigate and verify that all data for this account is reporting accurately, including every notation date and balance, whether reported or not. 

Furthermore, I request to be provided with proof of this alleged late payment. Under consumer protection laws, I demand that if unable to provide proof of these payments being late, my payment history be updated to " XXXX '' status ( PAID as agreed, never late ). Additionally, please supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting information regarding the procedure used to determine the accuracy and completeness of the information. According to federal law, I understand that a completion of investigation is due within 30 days, and verification of accuracy must be provided within 15 days of completion. 

Please update any information that can not be verified and ensure that my credit report is accurately reported. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation