vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I had opened a USAA checking account a while back to switch from my local bank and during my use with USAA they were continuously freezing my debit card for suspicious activity over normal purchases. I had contacted them multiple times and my card had gotten unlocked. Fast forward two weeks I am calling USAA to get my card unlocked for no apparent reason and they hit me with a sorry USAA will no longer be banking with you due to unknown reasons. You will receive a cashiers check or business check with the money that was in your account within the next 60 days, I tried to get more info on the scenario, and the lady that I was talking to was not very informal so I decided to give them a call the next day and they ended up giving me the same line that I would be receiving the money within the next 60 days fast-forward 60 days later, Ive contacted USAA And no no attempt of them giving my money back had been found. the customer service representative, that I had talked to had sent up some sort of form to have my account re-reviewed multiple weeks later. I attempted to contact them regarding the form that was sent up saying it was rejected again for unknown reasons, so I had them resubmit the account review and there has been no further progress with USAA and receiving my money back or closing my account because I do not have full access to it anymore. During my multiple calls with USAA they always reassure me that all calls are recorded for USAA and customer protection I wish I had access to these calls to file them with this bunch of information to show how much BS they put me through. but without legal help USAA was not willing to do so. There was also a little bit of XXXX XXXX I feel with USAA security department or whoever deals with their account reviewing being a non-over the phone company or even being branched off of USAA Especially with USAA, not being able to unlock my account using personal verification methods. and having their finance department send over paperwork with the chance of it, not even being reviewed because they deem it low priority overall, USA has still not paid me back the minimum XXXX dollars that is sitting in my frozen account

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-30 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing 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 non-monetary relief
Consumer complaint received 2024-05-30 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: WA

Complaint narrative:
There are several inaccuracies on my consumer report. 

PERSONAL INFORMATION NAMES : XXXX XXXX XXXX XXXX ACCOUNTS : XXXX. INQUIRY DATES : XX/XX/XXXXXXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX OPEN XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX XXXXNQUIRY DATES : XX/XX/XXXX XXXX XXXX  XXXX XXXX. INQUIRY DATES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX  XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF XXXX XXXX EMPLOYMENT INFO : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. STATE OF NEVADA XXXX. REMOVE CONSUMER STATEMENT DATE XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I just need another copy of the PDF file of all the interest and payments made to the account if possible. The recent one sent was not legible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-30 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I obtained a loan from Advance Financial on XX/XX/XXXX. The loan amount was {$2400.00}. The loan terms were highly unfavorable and included exorbitant interest rates and fees, making it nearly impossible to repay the loan without falling into a cycle of debt. 

Despite multiple attempts to negotiate a fair settlement or more manageable repayment terms, Advance Financial refused to offer any such options. On XX/XX/XXXX, I contacted their customer service by phone to request a settlement, but my request was denied. I followed up with emails on [ Dates of Emails ] and written correspondence on [ Date of Letter ], all of which were ignored or outright denied.

Before defaulting, I informed CC Flow that I was terminated from my job on XX/XX/XXXX Additionally, without attempting to resolve the issue with me, Advance Financial sold my loan to a collections agency on XXXX, further exacerbating my financial difficulties. This action has negatively impacted my credit report and caused significant financial and emotional distress. 

Desired Resolution : I seek the following resolutions : An investigation into Advance Financial 's lending practices Adjustment of my loan terms to fair and reasonable rates Implementation of better customer service and negotiation options for all borrowers Compensation for the financial and emotional distress caused by their practices Removal of all negative remarks from my credit report associated with this loan, as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which requires that credit reporting agencies ensure maximum possible accuracy of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I had a collections account show up on my credit profile from a company, XXXX XXXX XXXX for the amount of {$XXXX}. I have no knowledge of this account and chose to file a dispute through XXXX. I also called the number associated with the fraudulent collections account. 
XXXX provided a report stating the account was opened on XX/XX/XXXX and and the first delinquency was on XX/XX/XXXX. When I called XXXX XXXX XXXX, they could not provide any information regarding the supposed account. Instead they stated I could pay to have perform a soft pull on my credit. The conversation was one sided and I could not receive any information to verify this collection was legitimate. 
I have received harassing phone calls from this company asking for money but nobody is willing to provide any documentation of proof of ownership. 
Any research on this companys background pulls similar experiences of people being harassed and their credit affected by this company. Like others, I refuse to pay money for something that does not belong to me. I would like this account looked into and held responsible for falsifying accounts for their ill-gotten gains. 
Thank you for taking time to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I request that you investigate these accounts and correct any inaccuracies promptly. According to the Fair Credit Reporting Act, it is my right to have accurate information reflected on 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 2024-05-30 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:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a loan through Bank of America and have paid on it for 220 months out of XXXX total. I have never missed a payment. The original amount was {$99000.00} and the balance is {$70000.00}, meaning I am at a 70 % of loan value, significantly under the 78 %. I have repeatedly requested that the PMI be canceled. The bank initial said that there was a mandated time that the PMI had to remain per contract, even though the loan-to-value was under 78 %. Now that the time period has elapsed, the bank says that I must pay them to pay for an appraisal before they will cancel. Under this theory, the bank will NEVER be required to cancel the PMI. While I understand that informal valuations are not permitted, a XXXX estimate is {$140000.00}. It is disingenuous to hold the position that the loan-to-value on this mortgage is somehow less than 78 %. The bank should have to prove that the actual value of the house has decreased under $ XXXX which was the original mortgage. 

In summary 1. The PMI should have been canceled per the amount of time requiring it has passed 2. The current balance of $ XXXX is 70 % of the original mortgage XXXX. The current balance of $ XXXX is less than the actual value of the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-30 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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Account Type and Detail : The account type and detail differ among the three credit bureaus. TransUnion reports it as a " Mortgage account, '' XXXX as an " XXXX XXXX '' and XXXX again as a " Mortgage. '' This inconsistency may lead to confusion regarding the nature of the mortgage.

Payment Status : XXXX reports that the account was " Current, was past due XXXX  days or more '' in XX/XX/2023, while both TransUnion and XXXX indicate that the account was " Paid or paying as agreed '' during the same period. Such discrepancies in reporting the payment status raise concerns about the accuracy of the information provided.

Two-Year Payment History : Discrepancies exist in the reported payment history for various months and years among the three credit bureaus. These inconsistencies undermine the reliability of the credit report and may have adverse effects on my creditworthiness.

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 2024-05-30 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: PR

Complaint narrative:
Account Type and Detail : The account type and detail differ among the three credit bureaus. XXXX reports it as a " Mortgage account, '' XXXX as an " XXXX XXXX, '' and Equifax again as a " Mortgage. '' This inconsistency may lead to confusion regarding the nature of the mortgage. 

Payment Status : XXXX reports that the account was " Current, was past due XXXX  days or more '' in XX/XX/2023, while both XXXX and Equifax indicate that the account was " Paid or paying as agreed '' during the same period. Such discrepancies in reporting the payment status raise concerns about the accuracy of the information provided. 

Two-Year Payment History : Discrepancies exist in the reported payment history for various months and years among the three credit bureaus. These inconsistencies undermine the reliability of the credit report and may have adverse effects on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PR

Complaint narrative:
Account Type and Detail : The account type and detail differ among the three credit bureaus. XXXX reports it as a " Mortgage account, '' Experian as an " FHA Mortgage, '' and XXXX again as a " Mortgage. '' This inconsistency may lead to confusion regarding the nature of the mortgage. 

Payment Status : Experian reports that the account was " Current, was past due 180 days or more '' in XX/XX/year>, while both XXXX and XXXX indicate that the account was " Paid or paying as agreed '' during the same period. Such discrepancies in reporting the payment status raise concerns about the accuracy of the information provided. 

Two-Year Payment History : Discrepancies exist in the reported payment history for various months and years among the three credit bureaus. These inconsistencies undermine the reliability of the credit report and may have adverse effects on my creditworthiness.

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