vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The secured card that I have from XXXXXXXX XXXX  has stopped reporting my updated payment information for the month of XXXX to all 3 credit bureaus. I've provided documents showing statements of on time payments, and lack of updated 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The secured card that I have from XXXXXXXX XXXX has stopped reporting my updated payment information for the month of XXXX to all 3 credit bureaus. I've provided documents showing statements of on time payments, and lack of updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
Time and time again I have been ignored by the bureaus and I can no longer wait while they continue to fail at their job. The information hat they are reporting is incorrect and false information and I need them to remove the items listed at once. It is my right under federal law to enforce this action.

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out

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 2024-02-13 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: IL

Complaint narrative:
Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my XXXX  report. Now on my XXXX report it says I was late 2 times and they not the same months as XXXX report also trans union is reporting different months also

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 2024-02-13 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: IL

Complaint narrative:
Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my XXXX report. Now on my equfax report it says I was late 2 times and they not the same months as XXXX report also XXXX XXXX is reporting different months also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reported to the credit bureau that they are reporting wrong information on their credit report. After paying my monthly XXXX bill on time for approximately 14 years I notified XXXX on XX/XX/scrub>XX/XX/2023, I was moving out of state and requested my name be removed from my account. XXXX agreed to do this because my wife was remaining at the address, and she wanted to continue using XXXX and continue to pay the monthly bill. Although my name should have been removed on XX/XX/2023, XXXX failed to do this and continued to send my wife the monthly bills under my name. My wife contacted XXXX and they did not correct their error until XX/XX/2023XX/XX/year>. XXXX sent an email acknowledging their error and backdated the transfer date to XX/XX/2023. Included in my correspondence to you is a copy of the XXXX email acknowledging their mistake. My wife had enrolled in XXXX autopay and XXXX deducted each monthly payment from her checking account. XXXX even changed the account number. I have also included the monthly bills past the date when I was removed from the account. I have tried to correct the account with XXXX, but they do not allow me to talk to the person who will be conducting the investigation to explain the situation. You have to speak to a clerk who does not do the investigation and only says you are disputing the bill. I have also reported to the three major credit bureaus that I do not owe XXXX any money, but the credit bureaus has not corrected or removed the negative reporting. As a result of XXXX actions and the credit bureau my FICO score has been significantly reduced, probably raising the cost of my insurance and ability to obtain better interest rates. I am requesting your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: AL

Complaint narrative:
I am writing today because I found some new inaccurate information on my credit. From my understanding, you have XXXX days to investigate and correct the inaccurate information you are reporting. Time is of the essence here because i am trying to get health insurance and my credit score is so low because of your false reporting. I am a consumer and you have to investigate this matter because of me notifying you with this letter. This is my 4th attempt to get this stuff fixed! Remove inaccurate info or I will be forced to seek further legal action! Bceause of your inaccurate error I can't put a new roof on my home

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX, Experian are reporting on my credit file a address that I have never lived nor do not currently, I gave no consent of any type update on addresses and have previously sent my State Id to confirm 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
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: ID

Complaint narrative:
I have received zero letters or calls about this debt. I have no idea where this debt is coming from and I have not had a XXXX  account for 4 years. This debt showed up 2 months ago and the only way I knew about it was through my credit report. I am disputing because I have never owed that amount and if I had an outstanding payment it was not that much, my debt is being affected by false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TX

Complaint narrative:
Ive continued to raise concern with XXXX reporting of XXXX old derogatory trade on my reports. 

The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. 

There also continues to be report of late pay each month though the account has long been charged off

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Ive continued to raise concern with USAA reporting of XXXX old derogatory trade on my reports. 

The information is inconsistent across reports and date of delinquency isnt aligned. This account should be removed. 

There also continues to be report of late pay each month though the account has long been charged off

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened a checking account online at Citizens Bank on XXXX and transferred funds from another banking institution to Citizens Bank. On XXXX, I received 2 emails from Citizens Bank acknowledging that ( 1 ) bank account was opened ( 2 ) that funds have been successfully transferred to Citizens Bank. I could not log in nor access Citizens Bank checking account. On XXXX Citizens Bank sent me another email stating that my account could not be funded and that funded accounts are subject to closure. This was a blatant lie from Citizens Bank as funds were transferred and deposited into Citizens Bank as prior email sent to me from Citizens Bank stated funds were successfully transferred to Citizens Bank. On XXXX and XXXX I contacted customer service at Citizens Bank for assistance. Customer service nor claims department at Citizens Bank could access my account despite providing account number, name, address and social security number to them. Communications from customer service at Citizens Bank said I need to contact financial institution funds were withdrawn from as it is an issue on their end. Citizens Bank said they could not further assist me with the new checking account due to limited access to account. This is terrible customer service/client relationship communications. Customer service could not locate newly opened account from their computer as customer service stated account was under review and pending despite information communicated in this complaint. Citizens Bank opened account, sent debit card and received debit card, I deposited funds into account, yet Citizens Bank would not provide access nor any information regarding this account. I believe this is sub-par customer service and this is terrible for Citizens Bank to treat customers in such a manner. Citizens Bank needs to be sanctioned for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Received an email on XX/XX/XXXX by Portfolio Recovery Associates claiming a debt that does not exist. I have an XXXX XXXX and haven't charged off any such debt. Below is the opening statement. 

~~~ Portfolio Recovery Associates , LLC obtained a judgment against you on XX/XX/XXXX. 

This obligation has a balance of {$2700.00} and we remain interested in working with you to resolve this account. 
~~~ This is completely bogus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: IN

Complaint narrative:
I have written once before and now I am having to write for the second time as the first time around my requests were ignored. This is taking a toll and myself and my family and I need these errors to be addressed an corrected. At this point I need them to do their due diligence and ensure what they are reporting is totally correct and continue to do so moving forward to avoid these errors moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
A payment was made from my bank, XXXX XXXXXXXX to FNBO for {$1000.00}. on XX/XX/. This payment was made electronically. It has yet to be recorded. I called FNBO in XXXX and was told that they did not show the payment being received. I contacted my bank and they provided Proof of Payment to FNBO and I received a copy of this dated XX/XX/XXXX. Payment has not been credited to me and interest is accumulating. I don't feel like I should have to call them again to get this resolved. Additionally, I'm concerned that if they have made this mistake with me, it's likely they have done so with others either intentionally or not, and this should be looked into.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion is reporting that my XXXX account was late in XXXX which is inaccurate. Ive disputed this multiple times and they continue to say its verified but XXXX said that they didnt verify it. XXXX sent me an email stating the payment was reported on time. I filed a dispute with the proof of payment as well as the letter from XXXX and Transunion still says its correct as late.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one refuses to reissue a lost credit card. They refuse to provide an explanation as to why. The account has always been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CO

Complaint narrative:
About XXXX days ago, in an attempt to build my credit, I applied for a new secured credit card. In doing so, I found a bank called Chime through a series of online searches. After clicking through the appropriate prompts for a secured cc, it had me enter basic personal info. Then, it told me to download the app to continue. I found this odd but proceeded regardless. 

Allow to me to mention that I was indeed on their site and not a phishing site. Once I had downloaded their mobile app, the screen said congratulation on your new Chime checking account with a debit card. 

I should note that I was very diligent about what I clicked on. I NEVER clicked on create a checking account or I agree to open a new checking account. Rather all I clicked on that could have possibly created this situation were a series of XXXX " terms and conditions '' type boxes that were required, but never showed any fine print. Especially not that I would be opening a new checking account. 

After contacting their customer service, I was able to get the account closed and got multiple emails confirming such. 

Its rather concerning that this bank is opening checking accounts in a seemingly automatic manner for folks who wish to apply for credit cards. 

Then just yesterday, I received emails stating that my XXXX XXXX had dropped XXXX points due to a new account. This would have been the only new account for months that would have been opened. 

I asked repeatedly in the email that they send a letter to all three credit bureaus, cc'ing me, stating that this account was opened without my consent or authorization and that I promptly forced the closure. 

Of course they flatly refused as that would be an admission of guilt I'm near certain this is XXXX, but will allow you, the Fed XXXX, the be the arbiter of that question. 

I have multiple email threads containing most of the bank and forth, but I can not figure out how to download and attach them. I am happy to email them to whomever needs them. 

Lastly, when I called and asked for their mailing address in order to file this complaint, I was told that they " did not have a mailing address as they were a bank ''. I had to argue over and over with the agent in order to get a supervisor on who could supply this information. 

Also, I should note that in one of their first emails to me after I demanded they close the account, they said " Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2024. '' This was copied directly from their email. Note the way that was stated ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NVR INC.
State: PA

Complaint narrative:
NVR Settlement Company forgot to pay my insurance policy in XX/XX/year> XXXX. My policy was cancelled without my knowledge, and I had to pay a premium to get new coverage because of non-payment. Bill went from {$280.00} a year to the new bill {$620.00} a year. They did nothing to assist with this issue. They forced me to give money at settlement for this then did not pay the bill!

Company response to consumer: Closed with explanation