vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a new account with citizens bank as before I used to bank with them and they closed my account before not sure why I never once owed them money bd was a good customer.recently I called a customer service rep and asked if I would be able to open a new account and they told me I could after providing my ssn to them. I made a small transfer after opening the checking and savings account online and two days later now they closed my account. I would like for this to be resolved simply by allowing me to bank with them as its easy for me as my employer uses citizens and would be much easier for me if we could get this resolved please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am contacting NATIONAL CREDIT SYSTEMS regarding the complaint # XXXX. Again, this unit was not damaged and I have communication with the manager as well as photos of the unit on my end. I will not provide to you as you are not the direct contact. 

I expect NATIONAL CREDIT SYSTEMS to provide proof of a {$2000.00} damage to the unit and if you can not provide within 15 days I want the debt removed immediately as it is a violation of my FCRA rights to report inaccurate information OR to lie about charges. Again, I will be seeking damages if you can not provide proof of damages to the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-11-25 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:
NAVY FEDERAL LET MY ACCOUNT GO OVER XXXX DOLLARS IN FEE WHEN I HAD THE OOPS ACCOUNT MY LIMIT WAS XXXX. I ASK THEM WHY MY ACCOUNT WENT OVER SO HIGH THEY NEVER RESPONDENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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 writing to formally notify you that I am a victim of a data breach, and fraudulent information has been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$0.00} 2. Creditor Name : XXXX  o Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$140.00} 3. Creditor Name : XXXXXXXX XXXX o Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$1500.00} 4. Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. Creditor Name : XXXX XXXX XXXX  o Date of XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 writing to formally notify you that I am a victim of a data breach, and fraudulent information has been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} 2. Creditor Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX  Balance : {$140.00} 3. Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX Balance : {$1500.00} XXXX. Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : 1. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/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 2024-11-25 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: PA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-25 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: MI

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : 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 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 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 2024-11-25 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6.00} Late/Open XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX, CA 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 2024-11-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies reported on my credit file under the XXXX XXXX XXXX account XXXX XXXX XXXX ). I believe these errors violate the **Fair Credit Reporting Act ( FCRA ) ** and **U.S. Code 1666b**. Please investigate and correct the discrepancies listed below.

**Violations Identified : ** 1. **Payment Status Inconsistency : ** - XXXX lists the payment status as " 60 days past due, '' while XXXX reports " Past due 60 days, '' and Equifax states, " not more than three payments past due. '' This inconsistency is misleading and a potential breach of FCRA 611 ( a ) ( 1 ), requiring accurate and verifiable information. 

2. **Date Discrepancies : ** - The " Date Last Active '' for XXXX ( XX/XX/XXXX ) conflicts with XXXX and Equifax XXXX XX/XX/XXXX ). Such inconsistencies violate FCRA 623 ( a ) ( 1 ) ( B ), which mandates data furnishers report uniform and precise information.

3. **Ambiguous Comments Section : ** - XXXX provides vague commentary that does not align with the other bureaus. Comments such as these can negatively impact my creditworthiness and do not adhere to the FCRAs standards for clarity and precision. 

4. **Payment History Error : ** - XXXX inaccurately reports a late payment ( 60 days past due ) for XX/XX/XXXX, despite my records showing no such delinquency. This late payment notation breaches **15 U.S.C. 1666b**, which outlines creditor obligations to ensure accurate billing information before reporting to credit bureaus. 
**Requested Resolution : ** - Conduct a comprehensive investigation into this account and correct any inaccuracies. 
- Provide written confirmation of all updates to my credit file upon completion of your investigation. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information can not be verified, it must be promptly removed or corrected. 

Attachments : - Copy of the XXXXXXXX XXXX XXXXXXXX account screenshot. 
- Copy of my government-issued ID and proof of address ( for identity verification ). 

Thank you for your attention to this matter. Please notify me of the results of your investigation at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies reported on my credit file under the XXXX XXXX XXXX account XXXX XXXX XXXX ). I believe these errors violate the **Fair Credit Reporting Act ( FCRA ) ** and **U.S. Code 1666b**. Please investigate and correct the discrepancies listed below.

**Violations Identified : ** 1. **Payment Status Inconsistency : ** - XXXX lists the payment status as " 60 days past due, '' while XXXX reports " Past due 60 days, '' and Equifax states, " not more than three payments past due. '' This inconsistency is misleading and a potential breach of FCRA 611 ( a ) ( 1 ), requiring accurate and verifiable information. 

2. **Date Discrepancies : ** - The " Date Last Active '' for XXXX ( XX/XX/XXXX ) conflicts with XXXX and Equifax XXXX XX/XX/XXXX ). Such inconsistencies violate FCRA 623 ( a ) ( 1 ) ( B ), which mandates data furnishers report uniform and precise information. 

3. **Ambiguous Comments Section : ** - XXXX provides vague commentary that does not align with the other bureaus. Comments such as these can negatively impact my creditworthiness and do not adhere to the FCRAs standards for clarity and precision. 

4. **Payment History Error : ** - XXXX inaccurately reports a late payment ( 60 days past due ) for XX/XX/XXXX, despite my records showing no such delinquency. This late payment notation breaches **15 U.S.C. 1666b**, which outlines creditor obligations to ensure accurate billing information before reporting to credit bureaus.

**Requested Resolution : ** - Conduct a comprehensive investigation into this account and correct any inaccuracies. 
- Provide written confirmation of all updates to my credit file upon completion of your investigation. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information can not be verified, it must be promptly removed or corrected. 

Attachments : - Copy of the XXXXXXXX XXXX XXXXXXXX account screenshot. 
- XXXX of my government-issued ID and proof of address ( for identity verification ). 

Thank you for your attention to this matter. Please notify me of the results of your investigation at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Southeast Investment Corp
State: OK

Complaint narrative:
I had trouble making my payment so I made a payment arrangement and it was confirmed by the loan company when I would be making a payment. After making the payment arrangement and confirming, the company proceeded to call my employer and ask to verify my identity for garnishment of my wages. I have not even gone to collections and this company has no judgements against me, yet theyre telling my employer about garnishment.

Company response to consumer: Closed with explanation