vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Okay, so what happened was that I had an account with Citibank, One of my customers paid me with a personal check Which was made out to me and my business partner. I did a mobile deposit and everything was fine. The second one was only on your my name of course, everything was fine as well. Then I deposited the third one which was undermines and my business partner 's name again and they decided to close my account first of all. I do not understand why didn't they close my account the first time that I made the mobile deposit with a check that was undermines and my business partner 's name? Why wait until the third one? Second of all they have called my customer multiple times to confirm the check which my customer has actually confimed the check every time. Actually, my customer even called them directly to confirm the check. Now they are saying that I can not receive my funds and that they are going to keep my funds due to that. I can not verify that the check is good. The check is obviously good. It's been over 60 days. They took the money from my customer 's bank and without the check being confirmed or verified. How does that happen? How can they sit there and take money from another bank without it being verified? First second of all they're saying that the only way I can get my money is if I go into a branch. And take my business partner with me so she can identify herself which I would have no problem doing, but due to all this situation I couldn't start my new project which I lost it. I lost my house. I'm currently homeless literally homeless because of this. I do not have any money. I lost all of my clients. Because this gave me a really bad reputation. We have contracts we have to follow. Now I don't know what to do. They do not have a branch in Washington. State the closest one to me. It's all the way in California so how do I take my business partner 18 hours away when I have no money? The bank is going to keep my very earned money.

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 2025-01-07 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: UT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was involved in the XXXX data breach they did nothing I received no compensation even though I filed three separate claims I have disputed things on XXXX and Trans Union because my whole identity was stolen to the point that someone has filed income tax in my name they have used my health insurance they have open bank accounts I have asked experience XXXX and Trans Union all to open disputes Only to find out that none of them did anything

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was involved in the XXXX XXXX breach they did nothing I received no compensation even though I filed three separate claims I have disputed things on XXXX and XXXX XXXX because my whole identity was stolen to the point that someone has filed income tax in my name they have used my health insurance they have open bank accounts I have asked experience XXXX and XXXX XXXX all to open disputes Only to find out that none of them did anything

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was XXXX XXXX on XXXX when my last month of interest free occurred. By the time I made it back to XXXX  I realized the issue and paid the interest for some time while trying to work with Synchrony to resolve this issue. Last year XX/XX/year>, when they reached out to obtain information for my military service to receive XXXX civil relief act, I sent in my orders and the final contact is when they sent me a letter about closing my account. Once the closed account hit my credit, I called them to figure out how to remove the negative balance and they said I had to reach out to Credit Bureaus.

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 2025-01-07 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: GA

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 account listed without my expressed written consent.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I made a deposit into my navy federal account. They said the check was fraudulent. The money is still in my savings account 2 years later. They will not release my funds. The amount still in my savings account is {$910.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
Unfortunately, I fell behind in my mortgage payments towards the second half of XXXX. 
My expenses have increase over the past few years and my income has not been able to keep up. 

I have been going through a difficult divorce for the past several years. My ex does not work or contribute anything to the family. We have XXXX XXXX  who have been living with me full time for the past three years. During that time my savings and income were unable to keep up with rising inflation, expenses and unexpected life expenses- such as braces and medical fees for my children. 

All of us have had Covid several times which has been difficult as a self-employed individual to manage. 

I applied for a loan modification in XXXX. It was approved and I made the first payment in XXXX. When it was time to make the XXXX payment - at the end of XXXX - XXXX missed the date - and XXXX was the next day. The banks were closed for several days over this weekend. When I called to make the payment the first Monday after the holiday weekend, they would not accept it ; the calendar month had changed and they stated the program/modification was cancelled. They told me I needed to re-apply. 

I immediately re-applied within a day ( the first week of XXXX ). 
I then received a letter - within just a couple of days - dated XX/XX/XXXX, stating a " non-approval/denial '' - even though I had shown I could still make the payments. 
The foreclosure process immediately began on XX/XX/XXXX. 
On XX/XX/XXXX, I received another letter from the Loan Care dept stating my application was incomplete and that I had not sent in all of the required documentation ( which I had ). 

I immediately called and inquired about the new letter and also inquired what could be done to postpone or stop the sale. The man simply stated I could " try '' to resubmit a new application- but admitted that is taking 30 -45 days for review, and since my sale date was sooner it is likely a waste of time. The only other option is to make full payment of the debt I am behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-07 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-07 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: NJ

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
Received a letter from insurance ( XXXX ) claiming that no insurance premium payment had been received from Veterans United. Made contact with Veterans United and they said that a hold was put on the payment, the hold was then lifted. 3 weeks later I get an email that I have no homeowners insurance due to no payment from the mortgage company. Veterans United then claims that they dont know what happened and the only feasible option is to pay thousands out of pocket and hope to be reimbursed from the insurance company.

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 2025-01-07 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Experian regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5700.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4500.00} Payment Amount : {$170.00} XXXX XXXX : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXXXXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Experian showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Experian. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-07 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: FL

Complaint narrative:
The following are credit inquiries that were not authorized by me. I will list the name and the dates of such unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I realized the thousands of dollars were remove my account that I did remove. I asked for 2 investigations to be done and was told that somehow it was my fault.

Company response to consumer: Closed with explanation