vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Subject : Dispute of Incorrect Late/Missed Payments Reporting on My Credit Report XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Dispute of Incorrect Late Payments on My Credit Report Mr. Cooper Mortgage Accounts Dear Consumer, Financial Protection Bureau , I am submitting a formal dispute regarding inaccurate information on my credit report related to XXXX mortgage accounts with Mr. Cooper ( Nationstar Mortgage ). These accounts have been incorrectly reported as late/missed payments while they were under an approved forbearance agreement. 

Details of the Disputed Accounts : Account Number Property Address Issue XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late payments reported during forbearance XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Late payments reported during forbearance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late payments reported during forbearance As per federal guidelines under the CARES Act and standard forbearance policies, lenders are prohibited from reporting missed payments for accounts that are in an active forbearance status. Since my accounts were officially in forbearance, they should have been reported as current or deferred, not delinquent. 

I am requesting that the CFPB investigate this matter with Mr. Cooper and instruct them to correct my credit report by removing the incorrect late payment entries. As per the Fair Credit Reporting Act ( FCRA ), I expect a resolution within 30 days. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and inform me of any necessary next steps. I can be reached at XXXX or XXXX for further clarification. 
Thank you for your assistance. 
Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XX/XX/XXXX, my online access was denied to my Citibank accelerated savings account. 

I called the bank and they stated, first I did not have access to this account. I contacted them again in XXXX of XXXX and requested they find another way to access my account. When I was able to discuss my account status, they would not provide me with any information and said to " wait for a letter in the mail '' I called again in XXXX and XXXX with the same response. 

In XXXX of this year, I finally received a letter dated XX/XX/XXXX stating " The account was not closed. The account was restricted status which prohibits debits and credits from the account. Our records reflect your account balance is {$0.00}. You will receive a final statement in accordance with your statement cycle '' Please note : I have only had ONLINE access to my account, I have NEVER received a physical statement. I am not even sure I will see a statement. 

Please note : my account balance was not {$0.00}. It was in the neighborhood of {$6000.00} however I do not have access to my account nor a physical statement. 

There are many reports online about this same issue and XXXX reported on this just in XXXX of this year! 

Please help 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 monetary relief
Consumer complaint received 2025-02-20 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-20 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: Self Financial Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, SELFINC/LEAD XXXX. 

I looked at my XXXX, XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-20 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: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Upon reviewing my consumer report, I noticed an account on my report that does not belong to me. I have investigated the creditor who put the account into collections, and they have a history of putting consumers into debt without validating the debt. I am a victim of this situation with Caine & Weiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My submission is to urgently request your assistance regarding a 30 day late reporting credit entry that has recently appeared on my credit report by Chase Auto LoanXXXX. This matter is of critical importance, as it has the potential to disrupt the business credit lines I rely on to rebuild and recover from the devastating fires in XXXX XXXX. 
In XXXX, as the fires were ravaging the XXXX XXXX area, where I live and work, I reached out to a Chase representative via phone and written correspondence to explain the fire situation happening in XXXX XXXX and the evacuation notices : both my home and business were significantly impacted by the recent fires. At that time, I was assured that my account would not be reported as late due to the disaster, and I was granted additional time to manage my payments. Following this communication, I did not receive any further calls or notifications from Chase regarding my account status or any potential delinquency so I would not have suspected my account to be heading into delinquency. It was recently discovered that Chase 's internal system did not match the phone number that reflected under my profile information which explained the issue with no phone calls. On XX/XX/year>, I received a credit monitoring alert notifying me of a XXXX point drop in my XXXX XXXX. I immediately submitted full payment for all amounts due through XX/XX/year> and frantically made calls to Chase to find out how this happened. Despite the daily efforts regarding this urgent matter, the late reporting remains on my credit report, which could severely jeopardize my ability to access the credit necessary to restore my business operations and continue my recovery efforts after the LA fires. 
I kindly and urgently request your assistance in having this late reporting removed from my credit report as soon as possible. Your prompt attention to this matter is crucial, as it directly impacts my ability to rebuild my business and move forward from this challenging period. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
My ex wife maxed out my credit card before we got divorced and the credit card company shut off my card so I stopped making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Experians failure to provide proof of reinvestigation in response to a dispute I filed concerning inaccurate information on my consumer credit report. To substantiate my claim, I provided proper identification documents, including my [ insert type of ID ] and proof of address. However, Experian has failed to make the necessary corrections, and my personal information remains incorrect on my credit report. 

The continued misreporting of my personal information has caused significant distress, as outlined below : Failure to Correct Personal Information : Despite providing proper documentation to Experian, my name and address are still incorrect on my credit report. This negligence by Experian has further compounded the issues I am facing with my consumer report. 

The failure to update and protect my personal details on Experians report indicates a serious breach of privacy and may suggest mishandling or unauthorized use of my personal information. Experians lack of action raises concerns that my identity may be at risk due to their inability to maintain the confidentiality and security of my private data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Experians failure to provide proof of reinvestigation in response to a dispute I filed concerning inaccurate information on my consumer credit report. To substantiate my claim, I provided proper identification documents, including my [ insert type of ID ] and proof of address. However, Experian has failed to make the necessary corrections, and my personal information remains incorrect on my credit report. 

The continued misreporting of my personal information has caused significant distress, as outlined below : Failure to Correct Personal Information : Despite providing proper documentation to Experian, my name and address are still incorrect on my credit report. This negligence by Experian has further compounded the issues I am facing with my consumer report. 

The failure to update and protect my personal details on Experians report indicates a serious breach of privacy and may suggest mishandling or unauthorized use of my personal information. Experians lack of action raises concerns that my identity may be at risk due to their inability to maintain the confidentiality and security of my private data.

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 2025-02-20 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.

I have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.

I am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.

I have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.

I am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I closed the account and the pay XXXX dollar check. They reported false information on chex system and need removed.

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