vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment history remarks on my credit report. Despite previous attempts to address this issue, these remarks remain on my report without correction. The information is incorrect and does not accurately reflect my payment history.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure that all information on my credit report is complete and accurate. By failing to update or remove these erroneous late payment remarks, your agency is not meeting its legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello I have been trying to reopen a checking account with Bank of America and XXXX XXXX 
Both the banks had closed my account, due to suspicious transactions and my account were banned by XXXX XXXX XXXX XXXX XXXX XXXX.I had discussed with XXXX XXXX XXXX and there are no pending remarks against me. The XXXX XXXX  XXXX then asked me to get a report from Cfpb that allows me to open accounts effectively lifting out the ban on me. Please help with this as I am unable to open accounts. Thank you.

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 2024-11-11 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was charged overdraft fees when I had insufficient funds in my 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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Someone stole my debit card a couple months back and made several transactions before I realized it was being done and when I finally realized my card had been being used I immediately called navy federal and reported it they canceled my card right then and issued me a new one and opened up a fraud claim at the time then as we waited for the investigation they temporarily put the money back in my account as I waited as was uneasy as through my phone navy federal app I could only see that months worth of transactions so I called back and asked could they send me the last 6 months worth of transactions so I could look over them months to make sure I didnt have any fraud on those months and sure enough I found more fraudulent transactions on those months as well when they arrived I called back in and reported those months as well. They totaled up how much was taken from me and put it back in my account until the investigations was over. And then after all of that they told me they saw no error in my accounts and took all my money back out of my account and gave me no time frame. I did everything I was supposed to do on my end and someone got away with stealing thousands of dollars from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Im in Navy Federals Oops program, but theyre overdrafting me twice, sometimes XXXX  times in less than a week!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
This is a repeat complaint regarding an account on my credit report that remains inaccurately reported. I have submitted multiple disputes, each time providing clear documentation that shows the information is incorrect, yet no corrections have been made, and the same inaccuracies persist. 

Your ongoing failure to address these errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies ensure 100 % accuracy in reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-11 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, ( XXXX ) XXXX. 
15 U.S.C. 1681 Section 602 A. States I have the right of privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Credit Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, ( XXXX ) XXXX. 
15 U.S.C. 1681 Section 602 A. States I have the right of privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Credit Reporting Agency can not furnish a account without my written instructions.

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 2024-11-11 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: KY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2024-11-11 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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:
Due to the financial impact of the XXXX pandemic, I faced significant hardships that temporarily affected my ability to make timely payments on my XXXX XXXX XXXX XXXX XXXX account # XXXX ). As a result, I was unable to make payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. These missed payments were a direct result of the pandemic 's impact on my finances, and I have worked diligently to regain stability since that time. 

In addition to catching up on payments, I ultimately paid off the auto loan early, demonstrating my commitment to fulfilling my financial responsibilities. I have contacted XXXX XXXX XXXX to request a reconsideration of these late payment entries, as many lenders offered accommodations for pandemic-related hardships. Unfortunately, I have not yet received a resolution that would allow for the removal of these late payment entries from my credit report. 

Given the extenuating circumstances surrounding the XXXX pandemic, I am seeking assistance from the CFPB to encourage XXXX XXXX XXXX and the credit bureaus to remove these late payments from my report. I believe this adjustment would be a fair response to the unprecedented challenges I faced during that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
This company has reached out in pursuit of payment but when requesting information refuse to provide more details. This leads me to believe they are violating my consumer rights under 12CFR 1006.34 ( b ) ( 5 ) yet there is a collection recently added on my consumer report. Due to them avoiding to provide info after numerous attempts, I am now due for {$1000.00} for each violation listed by this company on my consumer report. They have the option to delete these accounts or pay me for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/XXXX Dear agency I am writing to formally dispute the presence of tenants listed on my credit report who I do not recognize and did not authorize. These unrecognized tenants are having a negative impact on my credit report, and I believe they constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to the FCRA, credit reporting agencies are required to maintain accurate records and to promptly investigate and correct any inaccuracies. In this case, the inclusion of unauthorized tenants is both inaccurate and harmful to my credit standing. I request that you take the necessary actions to investigate and remove these entries from my credit report immediately. I expect this matter to be handled swiftly to prevent further damage to my credit profile. 


Inquiry details XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
The debt of {$400.00} from the company Huntington bank was added to my report XX/XX/year>. This credit line was not opened by me. I did have an account with the bank but a credit line was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX - All Late payments Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between the company and myself

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 2024-11-11 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: TX

Complaint narrative:
These companies violated my rights to privacy and have not showed me proof of the original agreement and has negative items on my credit report. I gave NO permission to or signed any contracts for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX, XXXX XXXX BANK 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 2024-11-11 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
This agency is violating your consumer rights by using false misleading, misrepresentation, and deceptive means. I have made multiple attempts to fix these issues directly through this company and they are violating my rights and i am aware that i am entitled to {$1000.00} for every violation Ive listed. Either they can pay or delete these accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am complaining because ( 1 ) a payment was taken out of my bank account after my loans were fully forgiven and ( 2 ) the Department of Education / MOHELA ( a ) indicate that I made additional payments after the 120 required for PSLF forgiveness but ( b ) are not indicating that I am due a refund. It has been many months. I would like to know when my refund will be issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My uncle was sending me money into my account and they froze the account and then closed it talking about suspicious activity! And now I cant get my account back dont think its fair especially knowing somebody else was using my account and had an account under my information for years and they held that against me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
On XXXX XXXX I mailed a letter to the courts inquiring information about the reporting of information on my credit report which they stated they did not report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
On XXXX XXXX I mailed a letter to the courts inquiring information about the reporting of information on my credit report which they stated they did not 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Account was open fraudulent online but company says I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Overdraft fees, increase in interest rate from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation