vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024 Complaint of Inaccurate Credit Reporting Violations Under FCRA Section 1681 ( e ) ( b ) Dear CFPB Complaint Resolution Office, I am filing a formal complaint regarding inaccurate information on my credit reports from XXXX, XXXX, and XXXX. Despite my efforts to resolve these issues directly with the credit bureaus, I am experiencing ongoing and harmful inaccuracies on my credit history due to actions taken by XXXX XXXX XXXX and San Diego Credit Union, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( e ) ( b ).

Upon reviewing my credit reports, I noticed that both XXXXXXXX XXXX XXXX and San Diego Credit Union have repeatedly reported charge-offs that are inconsistent with my actual payment history. These charge-offs appear to extend the statute of limitations by adding new derogatory entries, which misrepresent my creditworthiness and negatively impact my credit score. These actions violate the FCRAs mandate to maintain accurate and fair reporting of consumer information. 

To summarize the issues : 1. XXXXXXXX XXXX XXXX Repeated charge-offs inaccurately listed, extending beyond the allowable reporting period, affecting my credit score and financial reputation.

2. San Diego Credit Union Re-aging of the account through inconsistent reporting dates, leading to an extended statute of limitations and unfairly portraying my account as delinquent. 

These practices not only harm my credit but also create confusion by making it appear as if these accounts are continuously delinquent. This inaccurate reporting by the credit bureaus violates FCRA standards and has a detrimental impact on my financial standing. 

I am providing all supporting documentation, including copies of my identification, my credit reports from XXXX, XXXX, and XXXX, and any relevant account statements, to aid in your investigation of these unfair practices. 

I respectfully request the CFPBs assistance in ensuring that the credit bureaus and these creditors adhere to FCRA guidelines, correct these inaccuracies, and prevent similar issues in the future. I look forward to your prompt investigation and response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Complaint of Inaccurate Credit Reporting Violations Under FCRA Section 1681 ( e ) ( b ) Dear CFPB Complaint Resolution Office, I am filing a formal complaint regarding inaccurate information on my credit reports from XXXX, Experian, and XXXX. Despite my efforts to resolve these issues directly with the credit bureaus, I am experiencing ongoing and harmful inaccuracies on my credit history due to actions taken by XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which I believe violate the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( e ) ( b ).

Upon reviewing my credit reports, I noticed that both XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX have repeatedly reported charge-offs that are inconsistent with my actual payment history. These charge-offs appear to extend the statute of limitations by adding new derogatory entries, which misrepresent my creditworthiness and negatively impact my credit score. These actions violate the FCRAs mandate to maintain accurate and fair reporting of consumer information. 

To summarize the issues : 1. XXXXXXXX XXXX XXXX Repeated charge-offs inaccurately listed, extending beyond the allowable reporting period, affecting my credit score and financial reputation. 

2. XXXX XXXX XXXX XXXX Re-aging of the account through inconsistent reporting dates, leading to an extended statute of limitations and unfairly portraying my account as delinquent. 

These practices not only harm my credit but also create confusion by making it appear as if these accounts are continuously delinquent. This inaccurate reporting by the credit bureaus violates FCRA standards and has a detrimental impact on my financial standing. 

I am providing all supporting documentation, including copies of my identification, my credit reports from XXXX, Experian, and XXXX, and any relevant account statements, to aid in your investigation of these unfair practices. 

I respectfully request the CFPBs assistance in ensuring that the credit bureaus and these creditors adhere to FCRA guidelines, correct these inaccuracies, and prevent similar issues in the future. I look forward to your prompt investigation and response. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Applied for Navy Federal CU checking and credit card on XX/XX/2024. 
The Bank approved the checking and credit card accounts and collected deposit fees the next day asked for information to Identify my Identity. I submitted my XXXX utility Bill and Drivers License and the bank Denied my submittion without explanation and closed the accounts and refused to refund account fees collected.

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 2024-11-05 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report.

The following accounts were not opened by me and should be blocked and deleted : XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4400.00} XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$820.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested.

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently.

Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security number is. I have reviewed my credit report and found an error that needs immediate correction. 

Account Information : Creditor : XXXX XXXX XXXX Account ID : Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Last Active : XXXX XXXX XXXX XXXX Date Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ) Current Status : Repossession Nature of Dispute : The account is inaccurately reported as a repossession. According to the attached " Notice of Proposal to Accept Collateral in Full Satisfaction of Obligation '' from XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the lender proposed to accept my vehicle ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX as full satisfaction of my debt. I accepted this proposal on XX/XX/XXXX, as evidenced by my signature on the document. The document clearly states that upon acceptance, I would have no further obligation to pay the remaining debt, and the vehicle would not be considered a repossession. Reporting this account as a repossession is inaccurate and misleading.

FCRA Violations : Inaccurate Reporting : The Fair Credit Reporting Act ( FCRA ) requires that only accurate information be reported. Reporting this account as a repossession violates FCRA provisions by misrepresenting the nature of the agreement ( 15 U.S.C. 1681e ( b ) ).

Failure to Correct Errors : If I dispute this error and it is not corrected, it further violates the FCRA, which mandates that credit reporting agencies correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Requested Action : I request that you : Correct the status of this account to reflect that the debt was fully satisfied without repossession.

Remove any negative marks associated with this incorrect repossession from my credit report.

All credit reporting agencies involved stated they did an investigation and found the provided evidence as insufficient, which is severely incorrect. The first letter was sent and then the second letter sent less than 30 days later, because I received a response from the credit reporting agencies. XXXX nor Transunion properly responded to method of verification, instead once again stating the information was accurate and that I needed to contact the original creditor directly.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security number is. I have reviewed my credit report and found an error that needs immediate correction. 

Account Information : Creditor XXXX XXXX XXXX XXXXXXXX Account ID : Date Opened : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ) Current Status : Repossession Nature of Dispute : The account is inaccurately reported as a repossession. According to the attached " Notice of Proposal to Accept Collateral in Full Satisfaction of Obligation '' from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the lender proposed to accept my vehicle ( XXXX XXXXXXXX XXXX XXXX VIN : XXXX as full satisfaction of my debt. I accepted this proposal on XX/XX/XXXX, as evidenced by my signature on the document. The document clearly states that upon acceptance, I would have no further obligation to pay the remaining debt, and the vehicle would not be considered a repossession. Reporting this account as a repossession is inaccurate and misleading. 


FCRA Violations : Inaccurate Reporting : The Fair Credit Reporting Act ( FCRA ) requires that only accurate information be reported. Reporting this account as a repossession violates FCRA provisions by misrepresenting the nature of the agreement ( 15 U.S.C. 1681e ( b ) ).

Failure to Correct Errors : If I dispute this error and it is not corrected, it further violates the FCRA, which mandates that credit reporting agencies correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Requested Action : I request that you : Correct the status of this account to reflect that the debt was fully satisfied without repossession.

Remove any negative marks associated with this incorrect repossession from my credit report. 

All credit reporting agencies involved stated they did an investigation and found the provided evidence as insufficient, which is severely incorrect. The first letter was sent and then the second letter sent less than 30 days later, because I received a response from the credit reporting agencies. XXXX nor XXXX properly responded to method of verification, instead once again stating the information was accurate and that I needed to contact the original creditor directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I received a number of emails from " XXXX ''. One said that my phone number had been successfully updated for my Care Credit card and another that said my phone number has been successfully updated for my Lowes card, both with Synchrony bank.

In the email it says " Didn't make this change? Let us know. '' I thought someone had access to my accounts so I clicked on the link, but I found out that it was a fraudulent email. I thought it was legit because the email address seems ok.

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 2024-11-05 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/24 my home in Florida was substantially damaged by Hurricane Helene. My mortgage balance is less than {$79000.00} and the value of the home pre-damage was well over {$300000.00} and post-damage well over {$150000.00} ( with no repairs ). The insurance company sent me a check for {$100000.00}. This check was sent to Chase Mortgage, current lienholder, and they in turn sent me a check for {$50000.00} still holding {$58000.00} in escrow ( only gaining .01 % interest ). A supplemental check in the amount of {$7200.00} was refused to be endorsed at the branch - having to send to Chase. This means Chase will hold ~ {$65000.00} which is 82 % of what I owe. Chase should be calculating the check back to me based on what I owe - not what the check ( s ) were for. I now have not enough funds for the deposit to start work - can not sign a contract until I have those funds and Chase is not willing to help unless I send the signed contract - they state " they will try '' without the signed document. Not to mention the amount of money in interest they are making and not providing back. I tried to explain how the funds should be calculated but it did not help. 

Also their number is listed as spam so any incoming calls can not be answered from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: ME

Complaint narrative:
I am in the process of refinancing my home. I was informed that because of a bad Transunion Credit report that the interest rate that I would qualify for would be {$100.00} higher per month than at the rate I was quoted using my credit scores from XXXX and XXXX. Over the life of the loan that amounts to over {$35000.00}. It also means that I can't qualify for a larger amount because my debt to income ratio would increase. The collection agency that is listed in Transunion 's adverse information section has no records in my name or any other corroborating information about the account that Transunion claims I am responsible for that are in collections. Neither of the other credit reporting agencies has a record of the collection or adverse information in their reports. Transunion is unable or unwilling to disclose where the information about the collection came from or how it is associated with 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 non-monetary relief