vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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:
just reviewed my cfredit for the first time and i have so many unauthorized inquiris that do not belong to me please help me they did not all fit in my report/ XX/XX/XXXXXXXX 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 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 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 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 2024-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: EdFinancial Services
State: SC

Complaint narrative:
This loan was taking at a trade school that was closed down due to fraudulent practices with financial ad I am not responsible for this loan or dont have any knowledge of it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/year> - applied for primary home mortgage refinance to Navy Federal. Submitted most of the required documents the same day. 
XX/XX/year> - submitted Notice of Intent to proceed with application. Received a loan estimated from Navy Federal. Additional documents requests were received and the requested documents were submitted promptly. 
XX/XX/year> to XX/XX/year> - numerous requests for additional documents were received. Each request was promptly satisfied. 
XX/XX/year>- received a call from the loan processor that the underwriter has denied the mortgage application on the ground that the borrower has a joint bank account with his son ( XXXX XXXX XXXX who jointly owns a house. The bank refuses to verify that the son 's mortgage is paid by the son himself from his own income and considers the son 's mortgage payment as borrower 's liability. As per Navy Federal Bank, this is the grounds for denial of borrower 's mortgage application. 
It has been almost 5 months since the application process began. The bank has found numerous ways to make it difficult for the borrower to proceed with the loan application. Everytime, the borrower satisfied the bank 's request for documentation, the bank came back with new questions and new requirements. The bank was provided the requested son 's bank statements on XX/XX/year>. However, the bank informed the borrower on XX/XX/year> that those statements are unacceptable.

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 2024-11-14 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:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX XXXX paid me XXXX USD to this account XXXXdays ago, the payment was confirmed successful on their side, I have proof of transfer and tried to contact them numerous time but they can not help When I called they can not even provide me the information they just simply say they don't know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
When I opened the account I was told NO INTEREST as long as I do auto pay and never miss a payment. XXXX of XXXX  I was charged interest without notification.

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 2024-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I submitted a complaint regarding Resurgent capital services reporting inaccurately on my credit report and requested debt validation of the alleged account along with the purchase order and chain of assignments as multiple collection agencies have contacted me about this alleged debt. They failed to provide requested documentation. This does not meet FDCPA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: MD

Complaint narrative:
I am filing a complaint regarding the Credit Reporting Agencys violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information and lack of proper notification on my credit report. These actions have impacted my credit score, causing a significant decrease, without prior notification or sufficient updates during an active dispute. 

Background : 1. Inaccurate Reporting ( FCRA Section 623 ( a ) ) : The credit reporting agency and furnisher added remarks to my report that caused a substantial drop in my credit score, without verifying accuracy. These changes were made without informing me, in violation of the FCRAs requirement to report only accurate information.

2. Lack of Notification and Timely Updates on Dispute Status ( FCRA Sections 611 ( a ) and 623 ( b ) ) : Despite having an active dispute regarding the specific account in which remarks have been added and changed, I have not received timely updates on the investigation status. FCRA Section 623 ( b ) requires that furnishers investigate disputes promptly and notify me of any updates or changes made as a result. Through a third party company, I have learned that My credit reported has been updated on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have not received any notifications from the Credit Reporting Agency regarding this dispute.

3. Ongoing Harm : This lack of transparency and accuracy has caused financial harm, affecting my creditworthiness and overall financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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 2024-11-14 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I had an Apple Card issued by Goldman Sachs Bank ( XXXX ) since 2019. I was always in good standing and throughout the entire time I maintained an excellent XXXX XXXX with the credit bureaus. Earlier this year, through no fault of my own, my XXXX ID was compromised and I had to change my XXXX ID. I called XXXX to change my email address and I was told that because of the way the Apple card is set up, I had to close my account and reapply. So I followed their instructions. In late XXXX. I reapplied for the card and was surprised that to learn that my identity couldnt be confirmed. This seemed strange, especially since I have other accounts with XXXX ( XXXX ). I was told repeatedly to take another picture of my drivers license and make sure that it had a black background On about the XXXX  try, an agent asked me if I had a credit freeze. I said no, but I have a fraud alert ; she said thats probably the problem. Remove the fraud alert wait a couple days and apply again.. I did so, to no avail, same result- my identity couldnt be confirmed. About this time my calls started to be referred to the back office and subsequently elevated to senior management. On the next several calls, I got conflicting information, like I had applied too many times and needed to wait a week, another agent told me I need to wait until after Christmas. I was unable to get a date certain when I could apply again, even though I didnt think this time limit should apply to me since I was applying repeatedly because they instructed me to do so. I was told on XXXX call to add my middle name to the application and try again. I was subsequently told that wouldnt make any difference.On XX/XX/XXXX, I was told that the problem had been resolved, I should reapply and my application should go through. As soon as I hung up I tried again, same result - application was denied. I have repeatedly received emails stating that they tried to reach me by phone, yet I had no voicemail messages or missed calls in my call log. I dont know if Im dealing with sheer incompetence or whether Im being discriminated on the basis of age ( XXXX ) or red lined because I live in a predominantly XXXX XXXX, ( XXXX XXXX Maryland XXXX. I dont make that last allegation lightly, but if you look at a map of the national Capitol area, there is a definite absence of financial institutions, national grocery chains, etc. in XXXX XXXX, despite the fact the County being XXXX of the wealthier counties in the entire country. Personally, I would prefer to never deal with XXXX again after this experience, but I know that XXXX is changing their credit card partner, I want to purchase XXXX products for the holidays. It upsets me that I will not get the 3 % cash rebate at the XXXX XXXX because of incompetence or/or discrimination by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: IL

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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/year> at XXXX XXXX I made a cash deposit at Huntington Bank ATM XXXX at XXXX XXXX XXXX, XXXX OH XXXX In the amount of {$1400.00} dollars. I filed a dispute over the phone and had been told they would look into my case and I would receive credit to my account in what I had deposited. I never received the credit they said would be on my account while they look through this issue. Today XX/XX/year> at XXXX XXXX I went into the branch I made the deposit with and they had seen that the ATM was over by what I made my claim. They said a similar situation had happened the same day and that customer claimed their lost funds already a day prior. Not only has my case been put on the back burner but I have not seen the promised credit to my account that was a CASH deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Violation of FCRA Rights Dear XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX I am formally requesting the immediate deletion of my account with Current from my credit report, operated by XXXX XXXX , as previously requested on XXXX, XXXX XXXX. They have refused to close my account which violates my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from unfair practices and ensures our right to control our financial accounts. 

Additionally, Current is not reporting this account accurately to all three credit bureaus. Under the FCRA ( 15 U.S. Code 1681 ), credit reports must be XXXX % accurate. I therefore request that this account be closed and deleted from my credit reports to comply with federal law. 
If this issue is not resolved, I will consider further legal action. 

Please confirm my account closure and deletion immediately.

Company response to consumer: Closed with explanation