vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.

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 2023-10-14 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: NY

Complaint narrative:
I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

Firstly, I tried to setup an autopay in my LoanDepot account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from LoanDepot to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from LoanDepot would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the LoanDepot website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with LoanDepot, we have been comeback customers for our home loans and have been loyal good standing customers with LoanDepot. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from LoanDepot as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from LoanDepot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied to Navy Fed Credit Union twice for a credit limit increase on my VISA SIGNATURE FLAGSHIP account and was denied. I applied in XXXX XXXX XXXX XXXX XXXX. Initially I was denied for insufficient income and I sent an adverse action letter to dispute their discrimination and no response was supplied by Navy Federal Credit Union. I applied again and was denied saying that I've reached the maximum unsecured credit limit, which is a blatant lie since the card goes up to {$80000.00}. Clearly, Navy Federal Credit Union is discriminating against me as a consumer since I have rights to credit. Navy Federal Credit Union is with holding my access to my securities, which is securities fraud. Navy Federal Credit Union is violating the ECOA & Consumer Credit Protection Act. NFCU is refusing to increase my credit limit per laws set forth by Congress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
Called the service number for XXXX XXXX and got a robot asking about a medical Device alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : AXXXX XXXX XXXX XXXX XXXXXXXX XXXX violated my rights. 

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.

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 2023-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was placed as an authorized user on a credit card without my knowledge, after going to that person and asked that they remove me they did. after 30 days of it still showing on my credit report. we called they " confirmed '' i was removed. after 90 days it was still showing, so i disputed with XXXX XXXX XXXX and XXXX XXXX. its now been 6 Months all disputes were denied. I called Capital One only to find out i was never removed as a authorized user. I requested to be removed and capital one said to call on Monday. This inaccurate information has caused me to miss opportunities, my own credit cards and other loans due the the users bad/inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc.
State: NY

Complaint narrative:
I reached out to Porsche Financial to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
NEED COPY OF APPROVED MODIFICATION XX/XX/2023. NEED TO TALK TO INVESTOR DIRECTLY OMBUDSMAN DEPARTMENT. NEED PHONE TO SEND IN XXXX XXXXXXXX INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have requested the XXXXXXXX XXXX  ACCOUNT REPORTED AS VLISED DUE TO ACCOUNT ABUSE BE REMOVED FROM CHEKSYSTEMS CONSUMER REPIRT THIS ACCOUNT WAS not INVESTIGATED PROPERLY Nor resolved TO IDENTY THEFT. I was told this would be resolved by XXXXXXXX XXXX they failed to stay in constant communication with me also did not communicate findings nor a resolution to my complaint.

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 2023-10-14 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: IL

Complaint narrative:
I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
Disputed this debt x2, wrote to company and received a basic letter with no identifying information, AGAIN. Ive been disputing this for months and I want it removed no indication this ever belonged to me at all! They refuse to provide what I asked for and wont remove this

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. 


Firstly, I tried to setup an autopay in my XXXX account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as Im expecting a new baby in early XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from XXXX to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from XXXX would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the XXXX website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with XXXX, we have been comeback customers for our home loans and have been loyal good standing customers with XXXX. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from XXXX as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from 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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. 


Firstly, I tried to setup an autopay in my XXXX account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as Im expecting a new baby in early XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from XXXX to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from XXXX would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the XXXX website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with XXXX, we have been comeback customers for our home loans and have been loyal good standing customers with XXXX. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from XXXX as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NY

Complaint narrative:
Im begging you please remove this to the credit report

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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
To whom this my concern, XXXX My name is XXXX XXXX my account is closed with Navy 's Federal credit union. You can get in contact with me I never received my refund from my bank account. You can give me a call at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
target td Usa/target credit XX/XX/XXXX XXXX XXXX$40.00} payment reported and mark as missed payment, my bank account and social was breeched. I called the credit specialist number and they noted account up to date. Being that the account was reported as a late payment it affects my credit and credibility to purchase a home. it also take so many years to remove from account. My account balance is XXXX In accordance with the fair credit reporting act this creditor violated my rights my rights under 15-USC 1681 sec 602 states I have the rights to my privacy.

15-USC 1681 sec 604-A sec 2 it also states consumer reporting agency Can Not furnish an account without my written instruction 15-USC 1666B A creditor may not treat a payment on credit card account under and open and consumer credit plan as late for any purpose. 

Thank you, for taking the time to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with non-monetary relief