vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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 XXXX XXXX, XXXX XXXX XXXX AND DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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. 

XXXX XXXX, XXXX XXXX XXXX AND DEPT OF EDXXXX 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 XXXX and It was never provided. 

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

Delete 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 2024-12-16 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: CBC Companies, Inc.
State: MO

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( private ), Consumer Date of Birth : ( Private ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a BANKRUPTCY I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: GA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NC

Complaint narrative:
I requested Experian to Verify the total Completeness and Accuracy of the account being mine or remove the account from my credit file, they only Updated the account and kept it on my credit file. Experian isn't following the strict requirements and guidelines required in order to report true and accurate information. Nothing about this account has been VERFIED, as you can view on the attachments provided about my dispute results sent by Experian on XX/XX/year>. Experian understands the laws yet continue to Not Adhere to the Fair Reporting Guidelines, meaning to update this account without Full COMPLETION AND ACCURACY is not just wrong but illegal. The file that I'm attaching will Experian also has a copy of.

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 2024-12-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OR

Complaint narrative:
I retrieved a copy of my credit report ( insert credit report number ) and discovered an inquiry that I have no knowledge of. On XX/XX/year>, Nissan Motor Acceptance appear on my credit report as a hard inquiry that impacted on my credit score. I never authorized inquiry on my credit report for this company. Please launch an investigation into Nissan Motor Acceptance inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Nissan Motor Acceptance s able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: NH

Complaint narrative:
I am filing this complaint against Transunion due to its failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing fraudulent accounts on my credit report ( CFPB Complaint # XXXX ). Today, I spoke with a supervisor, XXXX ( XXXX # XXXX ), and was informed that my dispute was denied and that Transunion could not perform the block. My dispute concerns a fraudulent late payment on an auto loan account opened at XXXX XXXX on XX/XX/year>, under account number XXXX, with a late payment reported in XX/XX/year>. I provided Transunion with all required documentation, including a valid identity theft affidavit, proof of address, government-issued identification, and evidence linking me to a data breach. Despite fulfilling these requirements, Transunion failed to block the fraudulent accounts and late payment within the four-business-day timeframe mandated by FCRA 605B. Supervisors stated that a manual block would not be performed due to their " policy, '' which contradicts the FCRA 's legal obligations. Transunion 's lack of action and transparency violates both 605B and 611 of the FCRA, which require timely blocking of fraudulent information and a reasonable reinvestigation with disclosure of findings. I am resubmitting my documentation and request that the fraudulent accounts and associated late payment be blocked immediately. XXXX 's failure to comply undermines my rights to accurate credit reporting.

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CATHAY BANK
State: NY

Complaint narrative:
I am filing this complaint regarding inconsistent and potentially unfair practices I have encountered with Cathay Bank regarding the closure of my account. 

On XX/XX/year>, I followed instructions provided by Cathay Banks New York branch ( XXXX XXXX location ), which informed me that I could close my account online. After completing the steps as instructed, I received a call from the XXXX branch to confirm the closure of my account. During this call, I explicitly confirmed my request to close the account. 

However, as of 11 days later, I discovered that my account was still open, and I was charged an account maintenance fee. Upon contacting the XXXX branch, I was informed that online account closure is not permitted, and I must physically visit the branch in person to close my account. This directly contradicts the information provided to me by the New York branch. 

This inconsistency and lack of clarity between branches have resulted in my account remaining open despite my efforts to close it. As of now, my account is still open, and I am unable to close it without visiting the XXXX branch in persona requirement that was never initially disclosed to me and contradicts the New York branch 's guidance. 

I suspect that this practice may be a predatory move to continue charging account maintenance fees even after I made a clear request to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

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. 

XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Late payments have been incorrectly reported on my credit record, and my previous communications sent over 30 days ago remain unaddressed. Despite requesting validation, I have received no response regarding these disputed transactions, which require immediate investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Reference complaint XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NFCU in refusing to allow me access to all of NFCU services is illegal according to US Bankruptcy Code. 

In addition, in the bankruptcy action NFCU has referenced ( filed in XXXX  - discharged in XXXX  where they " suffered a loss '' as their reason they were not a party to, and suffered no loss. I would like for them to provide the bankruptcy documents they are using to state their case.. 

The bankruptcy they were included in occurred in XXXX and was discharged in XXXX. NFCU filed a claim and was paid out as a part of the the bankruptcy. When discharged, all accounts are considered settled. According to US Bankruptcy Law, NFCU did not suffer a loss as they claim. 

My attorney has recommeded legal action if I wish to do business with NFCU, but at this point I do not. 

I also thouoght the CFCB would also do more than basiscally pass information back and forth. Not much better than filing a complaint with the XXXX. 

This needs to be brought to the attention of NFCU 's legal department, as this could have severe reprecussions if they continue to violate the law and prevent customers access to services for discharged bankruptcies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
I have asked for method of verification because when I showed proof of inaccurate report everything comes back as verified and updated I asked that if they can not show me how the information they have is accurate please remove the items 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX - Balance XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I was contacted by Citi Bank Fraud Division to inform me that there appears to be 2 fraudulent transactions on my credit accounts. One Cash Withdrawal for {$1400.00}, and one for {$2500.00}. 
As I inquired about this, the person from CITI asked if I was referring to the wire transfer that same day in the amount of {$6600.00}. I immediately advised him I had not authorized such a transaction, nor was I called to verify that one the way they called about the credit cards. 
He advised the money is lost, and instructed me to contact my local Sheriff Department. 
I filed a report with the Sheriff, who directed me to file a complaint with the Federal Trade Commission and the FBI, which I also did. 
At this point, I believe it was negligent of CitiBank to verify transactions on my credit cards, but no attempt to verify on this wire transfer. 
I am asking assistance to recover this money. 
Citi apparently offers no protection against fraud, and is not too concerned about who they disperse a customer 's funds to.

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 2024-12-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-16 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: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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