vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I use my debit card in my phone frequently. I realized my debit card was missing XX/XX/year> but didnt immediately report as I thought I just misplaced. On XX/XX/year> I got fraud alert and immediately cancelled my card and reported charges that I didnt make. The Truist employee said these charges were pending and could drop off. The charges didnt drop off so I then again reported the fraud. I was told the claims were all denied because I used the wallet in my phone around same time and place as charges. I do not feel as though my claims were properly investigated. The bank at first acted like it was all going to be ok so I didnt file police report but I obviously should have. I am currently trying to get the receipt from the restaurant the person who took my card went to. I just would have thought that would have been a part of the banks investigation but they denied everything based on me using my phone wallet around same area.

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 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
hello. hope this message finds you well. 
I am experiencing repeated credit freezes/locks. 
in XXXX of XXXX I was first unable to use my credit to sign for a vehicle agreement. 
I contacted all three credit reporting bureaus over the summer of XXXX to confirm that my credit was not frozen or locked. as some of the credit bureau interactions were through automated phone trees, I could confirm that all freezes or locks were removed without being able to confirm any information about any freezes or locks. 
today, XX/XX/XXXX, I was informed by the XXXX app that I was unable to use their services to make a purchase due to information from my credit report. 

please assist in clearing any locks and freezes, and please let me know how I can keep my credit clear from these in the future. thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
On XX/XX/XXXX I paid a fee of {$12.00}. There was no explanation and I wanted to get it clear at the end of the year. 

On XX/XX/XXXX my statement had no outstanding amount due. I paid my loan online and it was accepted. 

On XX/XX/XXXX I received an email that the next payment was due on XX/XX/XXXX. 
I also received an overdue notice of {$60.00} due on XX/XX/XXXX. 

I called and the supervisor said that there is a 'computer glitch '. But he said it could not be fixed, but it would be ok.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXXXXXX XXXX XXXX  XXXX. XXXX Dear [ Credit Bureau XXXX, I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX Mortgage account listed on my credit report. This account was in an active forbearance agreement, and as such, late payments should not have been reported during the forbearance period. 

Under the XXXX XXXX and related consumer protection laws, creditors and lenders are required to report accounts in forbearance as current if the borrower was current at the time the forbearance was initiated. Since my account was placed in forbearance during this time, any late payment notation is inaccurate and in violation of federal guidelines. 

The late payment notation on my credit report is misleading and is causing unnecessary harm to my credit profile. I am requesting that this inaccurate remark be promptly investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough reinvestigation of disputed information, per Section 1681i ( a ). I am asking that you verify the reporting accuracy of this account with XXXX XXXX  and ensure compliance with all relevant laws. 

To assist with your investigation, I have attached copies of the following : XXXX. The forbearance agreement from XXXX XXXX  ( if available ). 
XXXX. A copy of my most recent credit report highlighting the disputed late payment. 

Please provide written confirmation of the results of your investigation within XXXX  days of receipt of this letter. If this late payment is not removed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 

Thank you for your prompt attention to this matter. You XXXX contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if XXXX like to customize this further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: OH

Complaint narrative:
Re : Dispute of XXXX XXXX Account XXXX. XXXX Dear [ Credit Bureau XXXX, I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX Mortgage account listed on my credit report. This account was in an active forbearance agreement, and as such, late payments should not have been reported during the forbearance period. 

Under the XXXX XXXX and related consumer protection laws, creditors and lenders are required to report accounts in forbearance as current if the borrower was current at the time the forbearance was initiated. Since my account was placed in forbearance during this time, any late payment notation is inaccurate and in violation of federal guidelines. 

The late payment notation on my credit report is misleading and is causing unnecessary harm to my credit profile. I am requesting that this inaccurate remark be promptly investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough reinvestigation of disputed information, per Section 1681i ( a ). I am asking that you verify the reporting accuracy of this account with XXXX XXXX  and ensure compliance with all relevant laws. 

To assist with your investigation, I have attached copies of the following : XXXX. The forbearance agreement from XXXX XXXX  ( if available ). 
XXXX. A copy of my most recent credit report highlighting the disputed late payment. 

Please provide written confirmation of the results of your investigation within XXXX  days of receipt of this letter. If this late payment is not removed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 

Thank you for your prompt attention to this matter. You XXXX contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if XXXX like to customize this further.

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 2025-01-03 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: MD

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
RE : CFPB Complaint Against Citizens Bank - Dispute Claim XXXX I am filing this complaint against Citizens Bank regarding their improper handling of my dispute with XXXX Credit Experts, in violation of Regulation E and the Electronic Fund Transfer Act ( XXXX ). 
On XX/XX/2024, I filed a dispute for unauthorized charges from XXXX Credit Experts. Citizens Bank denied my claim, stating I " did not provide proof that services were not rendered. '' This denial violates federal regulations for several reasons : Citizens Bank 's requirement for me to prove non-receipt of services contradicts Regulation E, which places the burden of proof on the financial institution. 
The bank 's position is logically impossible to satisfy - one can not provide documentary evidence of something that did not occur. 
The promised service ( removal of collection accounts within 90 days ) has demonstrably not occurred, as evidenced by my unchanged credit report. 

The bank 's actions violate : XXXX Section 909 ( b ) regarding investigation requirements Regulation XXXX XXXX ( c ) concerning error resolution procedures CFPB guidelines on dispute investigation standards Requested Resolution : Full reversal of Citizens Bank 's dispute denial Refund of all charges from XXXX Credit Experts Review of Citizens Bank 's dispute resolution practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

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 2025-01-03 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: 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-03 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: CA

Complaint narrative:
I checked my credit profile and noticed that I had inquiries that didn't belong to me.

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 2025-01-03 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: GA

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> BALANCE : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Myself and my partner applied for a mortgage loan with XXXX XXXX of XXXX XXXX XXXX. We disclosed all information regarding our personal life and financial state including that my partner is separated but not legal divorced. We continued on through the process including putting {$10000.00} in escrow to close and received the final clear to close and congratulations messages on XX/XX/year>. I moved all of my belongings and children to Florida from Georgia on XX/XX/year> anticipating our close date of XX/XX/year>. Once I arrived in Florida the following day we received a call from XXXX XXXX stating that my partners wife would need to sign off on the mortgage this was approximately 36 hours before closing. We were not made aware that this would be needed prior to receiving the clear to close. Ultimately we were not able to close due to the acknowledgement paper not being signed which has now caused us to lose {$10000.00} due to his negligence. We are now left in a situation where I have moved my family to Florida and now we have nowhere to go and have lost {$10000.00}. The lender has not be apologetic or even sympathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am writing to formally request the method of verification used for the information listed on my credit report, as provided by your agency. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) entitle me to this information, particularly in regard to the accuracy and integrity of my credit profile. 

Dispute Information : Nissan Motor Acceptance Corporation ACCOUNT # XXXX This account was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! 

Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

In accordance with the FCRA, I am requesting that you provide me with the following : XXXX. The specific information that was used to verify the accuracy of the items in question. 
XXXX. The name and contact details of the entities that furnished this information to your agency. 
XXXX. Any documentation or records that substantiate the verification process.

Company response to consumer: Closed with explanation