vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I bank with XXXXXXXX XXXX XXXX XXXX XXXX, TX. I use their online bill payer service to pay monthly bills. On XX/XX/XXXX I scheduled a payment of {$17000.00} to be paid to XXXXXXXX XXXX XXXX XXXX XXXXXXXX credit card bill, to arrive by XX/XX/XXXX. On XX/XX/XXXX, my bank activity showed that the payment had been made, but the money was not taken out of my account. I assumed the payment was made electronically as both XXXX and XXXX are large banks, and would have the ability to perform XXXX transfers. I called XXXX and was told that this payment was made by a paper draft check sent via XXXX, not electronically. I asked how the determination is made as to electronic payment vs. paper check. and I was told that a third party, a company called XXXX, which provides the bill payer service makes that determination. I explained that as a consumer, I need to know which form of payment will be used, so I can avoid late fees and interest charges. XXXX said XXXX will not tell them the determining factors for that decision. I obtained a phone number for the Consumer affairs at XXXX and called them and they refused to tell me how that decision is made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: ECMC GROUP, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, ECMC promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion ECMC plainly stated to XXXX  that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, ECMC and US Dept of Edu. reported to the XXXX back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also ECMC, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by ECMC, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. ECMC stated that loans were PURCHASED from US Dept. Edu and XXXX. There are 3 different lines of false credit reporting remains on my credit. ECMC promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. ECMC and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I looked into my Navy Federal Credit Union account and seen that Navy Federal took out {$120.00} out of my share savings account to pay a debt allegedly owed by my niece whose campus checking account is ( still ) linked to mine. I asked for the accounts to be closed back in XXXX when the XXXX  was returned to her mother. The account still remains active and open and reporting a negative balance. 

I called navy federal XX/XX/XXXX, to inquire about getting my money back. When I told her about what I found on the CFPB website about them being sued for deceptive practices with their debt collection practices, the woman became irate and was very rude to me. She told me no, she would not be returning my money and then hung up on me. Now I'm unable to log into my online account. I'm afraid me asking questions and asking for my money back, they will use my money to satisfy my nieces remaining debts and close all my existing account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NM

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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 hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. 
Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
I have about {$22000.00} in federal student loan debt which was initially serviced by XXXX. The balance was transferred to XXXX because I enrolled in XXXX. 

I recently completed an Experian background check which showed about {$44000.00} in federal student loan debt. Experian is counting my loan balance twice, once with XXXX and once with XXXX. I submitted a dispute with Experian for each XXXX loan on the credit report. Im unsure if this is an error by Experian, or by XXXX or XXXX. 

I am in the process of applying for rental housing, and will be trying to finance a car in the near future. I am worried that my credit reports showing twice the amount of debt that I actually have will hurt me in one or both of these processes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Failed to implement adequate procedures to ensure the highest level of accuracy in the credit reports you publish. According to credit reporting laws, it is essential that bureaus only report credit information that is 100 % accurate, and all necessary measures should be taken to guarantee the complete accuracy and correctness of the reported information. 


Under 15 U.S.C. 1681i Paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. 

XXXX XXXX FAILURE TO VALIDATE AND INVESTIGATE, PLEASE DELETE 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 2024-04-30 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: NM

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I purchased a new van from Mercedes Benz approximately 36 months ago with an XXXX  % interest loan for 36 months. I set the loan on auto draft to make sure all payments posted on time, and they did. Well, almost did. Apparently they required the last payment be made via invoice. Unfortunately, I was not aware of this and missed the last timely payment. this was reported to the credit bureaus lowering my score over XXXX points. 

I of course gave them a call and the explication I received was that they were unable to draft the last payment. Not sure why, funds were available? this final payment was XXXX XXXX  more then other payments. Assuming they could have drafted the amount less XXXX? 

In speaking with there customer service person she flat out said Mercedes Financial does not retract, remove, or send correction letters as a policy and there was nobody else to talk to. 

She did say should would send me information as to where I can dispute this and would send me my transaction history. 

30 days later i have yet to receive. I have worked extremely hard to maintain an excellent XXXX XXXX, tha affords me the ability to take advantage of XXXX to lower % loans, only to have it dropped for in my opinion no reason. 

I appreciate your assistance in this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company NCB MANAGEMENT SERVICE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: OH

Complaint narrative:
I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX, and upon reviewing my credit report from XXXX, TransUnion, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/24 XXXX XXXX  Dated XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted TransUnion to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 

I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information i am reporting to you my correct personal information. 
This is my correct personal information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # XXXX The following are incorrect and need to be deleted : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX  XXXX XXXX XXXX Employers : XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone numbers listed are old and no longer belong to me. I have no home phone, please delete these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I consistently make timely payments. I'm certain of this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't happen. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I submitted complaints to both CFPB and Citi when they opened 3 CD accounts without my consent. They never responded my complaints directly filed with them, but they did allow me to close 2 CDs out of the 3 without penalty. I continue to think its a UDAAP violation that they opened the accounts without my knowledge/awareness/consent, and also at a rate much lower than the market rate. I reached out to Citi again but they never responded to me. I am requesting a review of my outstanding CD that was opened without my consent, and also redress for loss of use of my funds in the past month ish. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: OH

Complaint narrative:
I have recently look at my credit report and noticed that I have an account on my credit report that I have no knowledge of nor have it been verified. I have attached a letter along with my proof of identity.

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