vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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:
Transactions are being reported on my consumer report by XXXX XXXX that are excluded by Federal law. The law clearly states its illegal to report transaction history.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There are several transactions being reported in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ), which states that transactions between the consumer and the person/CORPORATION making the report is not included on the consumer reports however they are still being reported by First Premier.

Also, 15 USC 1666b ( a ) a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Reporting such information non public personal information on my reports is a violation of the PRIVACT ACT of 1974 ( 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency including but not limited to, his education, ,financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

I never gave anyone written consent to provide my non public personal information including but not limited to transaction history, utilization, payment history, credit limit, ect.. to a non affiliated 3rd party.

The reporting of this information was strictly without my consent and as a violation of my right to privacy that is afforded to me as a federally protected consumer 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLSOURES OF PERSONAL 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXXAssignment of debt letter from third party debt collector XXXX XXXX XXXX XXXX assigned debt from Navy Federal Credit Union acct XXXX XXXX XXXX-Sent XXXX XXXX XXXX XXXX Debt Validation Dispute via usps return receipt requested XXXX 

XXXX-Retained counsel who sent XXXX XXXX XXXX  debt collector to cease all communication with myself and to only communicate through HELPS LAW FIRM. 

XXXX-Credit Bureaus XXXX, XXXX and XXXX reporting incorrect information . Sent Original Creditor Navy Federal Credit Union notice of reporting errors and requested they investigate and correct errors. 

XXXX XXXX, XXXX and XXXX all three credit bureau 's first dispute letter informing credit bureaus were reporting innacuracies . Request investigation. 

XXXX XXXX, XXXX and XXXX 2nd dispute letter requesting investigation into wrong information across all three credit reports. 

XXXXXXXXSent third and final dispute letter to XXXX, XXXX and XXXX disputing continued false information on my credit reports. 

XXXXawaiting word on.third dispute request from XXXX, XXXX and XXXX while they continue to report false information after indicating all three bureaus found no innacuracies yet at the same time added several more false and innacurate data per the first two dispute resolution notifications to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On XXXX it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO and XXXX have consistently lied to the CFPB about their shocking accounting irregularities, XXXX " customer '' service, XXXX XXXX, XXXX XXXX running their show, and ruination of a once-proud institution, Bank of the West. They were supposed to offer a seamless transition in service, maybe a change of account numbers, we could sit back and let their pro 's do a XXXX XXXX  concierge-type hand-off behind the scenes. According to the puff pieces they mailed us en masse. 

Reality is they started blowing it from day XXXX in early XXXX. They claim to the CFPB they started servicing this loan in late XXXX, 2023. No, they started blowing up the train tracks in early XXXX, as shown on our HELOC worksheet record of our payments, drawn from our bank account records. 

BMO and XXXX have conspired to defraud XXXX and myself of at least {$1000.00} remitted in principal payments in 2023. Both organizations have submitted fraudulent Form 1098 accounting to the IRS, and to the CFPB.

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 2024-06-26 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: CA

Complaint narrative:
I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX : XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX Balance : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX  XXXX  ) XXXX Balance : {$3400.00} XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the 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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I mailed out XXXX checks in XXXX envelope. 
XXXX of the XXXX checks were stolen, washed and altered paid out to unknown people for {$2000.00} each. I saw my account had a negative checking status and I didn't understand. 

The checks were mobile deposit to an institution named XXXX. I had to XXXX to find out that it was a virtual bank. No one at Provident saw it important to do it. 
I went to Provident bank to file a fraudulent activity and forgery affidavit for both checks, asked to change my account and put a hold on withdrawals, as there was still a check missing from the XXXX mailed out. I went to the police to have a report claimed. 
I provided Provident with proof of the original checks and the forgery ones. 
Clearly the signatures were different, and then I didn't have enough funds, and the overdraft I had was not enough to cover the XXXX check of {$2000.00} but it was paid. 

I had to repeatedly go and find out the status of this robbery. Then on XX/XX/XXXX I was told that it would take XXXX months or more to get this resolved. I insisted they need to give me temporary credit back since the account was over drafted and I was sent letters that threaten if I didn't have funds back into the account I would be sent to collections. I received letters charging me fees. 
I know these letters are automated but it's a big bank that should have communication across the board. 
I finally was approved by a supervisor to allow the XXXX at my branch to give my temporary credit for {$2000.00} on XX/XX/XXXX. I was told it was a courtesy. I'd like to see the policy on that. 
I felt that Provident is too busy with their merger with XXXX bank that they didn't care about these things happening simultaneously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
This is not a request for a reinvestigation. The following account has been repeatedly disputed with no resolution that is consistent with the FCRA. 

I reviewed my credit report for accuracy and asked Experian to investigate the XXXX Account # XXXX because the account has XXXX separate charge offs that were inserted with no payment history that would justify or explain the charge offs. In fact, the information provided to me by Experian clearly shows the account as being incomplete and inaccurate, because of missing data and a payment history not supported by facts. ( see attached from Experian ) XXXX Account XXXX The Fair Credit Reporting Act affords me the right to a complete and accurate report. The Act clearly outlines steps In Cases of Disputed Accuracy ( see attached, FCRA Sect 611 ) Experian claims they have verified this information without conducting the appropriate and legally required investigation. ( e-Oscar is not considered an independent investigation ) I disputed his account for inaccuracy, because of the unexplained charge offs. On XX/XX/XXXX, I received a dispute investigation result which explained that the account was verified as accurate. However, the account was not properly verified, nor was it updated. The last status update, according to Experian, was XX/XX/XXXX. How can this account be verified and updated in XX/XX/XXXX with the last status update XX/XX/XXXX. The account was not investigated and updated. 

Experian is reporting XXXX separate charge offs and ND, no data as a payment history for this account, which makes it inaccurate and eligible for deletion. This is a violation that needs fixed.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received notification with my Talbots credit card that beginning XX/XX/XXXX if we do not go to paperless billing, we will be charged {$2.00} monthly for paper billing. This seems to me to be excessive and onerous particularly for people who do not wish to do their financial transactions online. 

This was in the notification : A fee of {$2.00} per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. 

This is the link to view the notification online : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Since XX/XX/2023, I have been disputing the information on my credit report, as public records as well as a couple of accounts included in bankruptcy were being reported as mine. I have been requesting how they were validating and recording that data on my report. I have sent various letters requesting the removal of these items, but their responses have been crude. Therefore, I am applying for an investigation by the CFPB ( Consumer Financial Protection Bureau )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX  reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On XXXX it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my 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 explanation
Consumer complaint received 2024-06-26 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: NJ

Complaint narrative:
XXXX XXXX  reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On Equifax it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Between XXXX XXXX XXXX, my account received fraudulent charges. By XXXX, Citibank had resolved the issue. 

In XXXX, I received an alert that my account was overdue by 30 days for {$2.00}, and my XXXX XXXX dropped on all XXXX bureaus. Additionally, I received a letter stating that my {$10000.00} credit limit was decreased to {$350.00} due to my account being delinquent. However, my account became delinquent due to an interest charge that Citibank issued me on a fraudulent charge. 

After over XXXX XXXX minute phone calls, over XXXX transfers to different departments and people, and contacting them every way I can other than by mail, the charges have been removed, but my credit report still shows a late payment and my credit limit is still {$350.00}. 

They have done nothing to own up to the mistake or to even help me reach a resolution. This is my final step before filing a civil lawsuit for the damages that have been caused by Citibank to myself and my credit. Ive

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 2024-06-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am exercising my right to challenge questionable information that I have found on my consumer report. EQUIFAX IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRIES ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EQUIFAX BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED. 

Delete : XXXX ) XXXX XX/XX/XXXX, XXXX ) XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2024-06-26 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: CA

Complaint narrative:
I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX XXXX : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original creditor : XXXX XXXX XXXX M ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditoXXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the 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 2024-06-26 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:
I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at XXXX : XXXX. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX : XXXX MOUNTAIN XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX ( Original creditor : SXXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX : XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX XXXX : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.

Company response to consumer: Closed with non-monetary relief