vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Request for debt validation was sent but no debt validation was ever received. No supporting documents were also received for claim of alleged debt so if the claims are indeed valid, then there should be no issue providing such documents. I already submitted plenty of documentation on why i don't owe the debt including XXXX XXXXXXXX XXXX XXXX - landlord failure to repair. I previously submitted documentation confirming there was mold via certified lab reports confirming the mold was there and never remediate, prompting necessity to vacate the premises under health hazard that is harmful to health i.e. mold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My chase login was compromised, and unauthorized transactions were made. 
I immediately called chase to get this resolved, they reported the transactions and said that since they are still pending that I have to wait and they can not be canceled. They then froze my account to deposits only. Since my account was compromised I requested that they freeze my brokerage accounts to limit withdrawals as the thief was moving money between accounts to transfer more funds out of the checking account. The brokerage sale was not stopped and went through. Once I flew back home and went in branch they verified my identity and reopened the unauthorized transaction case, a new account number was given, and I requested all statements for my old account since I was told I would be able to access it online anymore, and being provided the statements by paper and would take a long time, this is my primary account I have had for almost XXXX years, so there is a lot of information I would like to keep records of. Regarding he unauthorized transaction, I emailed a banker and scheduled a follow up meeting at the same branch since I was not getting any help with the reversal of the charges. They called and said an appointment would not be needed, and I have been stuck running in circles with no solution to the problem. I have followed everything told and find it odd that the resolution is taking months given that I have provided numerous amounts of evidence requested. To add to that I can not even access any statements or notices regarding this case any more as all documents related to the checking account this happened from is deleted from online account. I would like those letters in addition to the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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:
Subject : Request for Removal of Information from Credit Reports Account Number : N/A Dear XXXX XXXX  I am writing to formally request the removal of my information from all credit reporting agencies in accordance with 15 U.S.C. 6801 and 15 U.S.C. 6802, which pertain to the protection of nonpublic personal information and its unauthorized dissemination.

Under 15 U.S.C. 6801, financial institutions such as WORLD FINANCE are obligated to safeguard the privacy of nonpublic personal information and to implement measures to protect such data. Furthermore, 15 U.S.C. 6802 requires financial institutions to provide customers with the ability to opt out of the sharing of their nonpublic personal information with non-affiliated third parties, such as credit reporting agencies.

I have not given my express consent for the sharing of my nonpublic personal information with credit reporting agencies, nor do I wish for this information to continue being shared. As such, I am exercising my right to opt out of any further information sharing under the provisions of 15 U.S.C. 6802. 

Please take the following actions immediately : Remove all instances of my personal and financial information from any and all credit reporting agencies to which you may have provided my data.

Cease any future sharing of my nonpublic personal information with credit reporting agencies or any other third-party entities without my express consent.

I expect confirmation that my request has been processed within 30 days of receipt of this letter. Failure to comply may result in further action, including filing a formal complaint with the Federal Trade Commission and/or pursuing legal remedies under the Gramm-Leach-Bliley Act. 

Please send written confirmation of the removal of my information to the address listed above. 

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 2024-10-04 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:
Subject : Request for Removal of Information from Credit Reports Account Number : N/A Dear XXXX XXXX, I am writing to formally request the removal of my information from all credit reporting agencies in accordance with 15 U.S.C. 6801 and 15 U.S.C. 6802, which pertain to the protection of nonpublic personal information and its unauthorized dissemination.

Under 15 U.S.C. 6801, financial institutions such as WORLD FINANCE are obligated to safeguard the privacy of nonpublic personal information and to implement measures to protect such data. Furthermore, 15 U.S.C. 6802 requires financial institutions to provide customers with the ability to opt out of the sharing of their nonpublic personal information with non-affiliated third parties, such as credit reporting agencies.

I have not given my express consent for the sharing of my nonpublic personal information with credit reporting agencies, nor do I wish for this information to continue being shared. As such, I am exercising my right to opt out of any further information sharing under the provisions of 15 U.S.C. 6802.

Please take the following actions immediately : Remove all instances of my personal and financial information from any and all credit reporting agencies to which you may have provided my data.

Cease any future sharing of my nonpublic personal information with credit reporting agencies or any other third-party entities without my express consent.

I expect confirmation that my request has been processed within 30 days of receipt of this letter. Failure to comply may result in further action, including filing a formal complaint with the Federal Trade Commission and/or pursuing legal remedies under the Gramm-Leach-Bliley Act.

Please send written confirmation of the removal of my information to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: EQUIFAX, INC.
State: NJ

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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Before detailing the full scope of my situation with Navy Federal Credit Union ( NFCU ), : my XXXX funds, which are protected under federal law, have been wrongfully seized through a setoff by NFCU. 

The Situation : Last week, I received an email indicating an unspecified issue with a check deposit I made, leading to my account being restricted. Despite the lack of clarity on the issue, NFCU has since taken extreme measures that have dismantled my financial security and left me in a precarious situation with no regard for my well-being. All my automatic payments have been halted, and I have been left with no access to my funds. As a result, I was unable to pay my bills and could not move into the apartment I had secured for XX/XX/XXXX, leaving me on the verge of homelessness. 

I am now facing the loss of all my possessions in storage, imminent disconnection of my phone, and the complete inability to communicateespecially with NFCU. As a diabetic, I have been surviving on cheap snacks and fear that hospitalization is inevitable. This situation is a direct result of NFCUs failure to act with care or concern. 

Attempts to reach a resolution through NFCUs customer service have been met with cold indifference. Representatives have shielded the institution 's actions rather than facilitating any meaningful assistance. Despite having conveyed that I am the victim of fraud, their response has been to punish me further by removing my XXXX benefits from my account to cover a debt in another. I was instructed to fill out a form and wait XXXX to 45 days for a responsean unacceptably long time to be left financially crippled and in danger. 

Violation of Federal Law : 38 U.S. Code 5301 explicitly protects veterans XXXX benefits from assignment and seizure. These benefits were not lost due to an overdrawn account ; they were removed to cover a debt, which constitutes a setoff. This action directly violates federal law, as these benefits are designated solely for the support of veterans and their families. Given NFCUs roots in serving military members, one would expect a higher level of respect for these protections than from other financial institutions. 

The amount taken was XXXX and the date was XX/XX/XXXX 30th

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear ; Consumer Financial Protection Bureau XXXX Attorney General XXXX XXXX Ombudsman ; Complaint against- Equifax - XXXX & XXXX points Regarding - Paid off Loan my pledge loan paid it weekly never missed a payment and paid it completely off with XXXX XXXX Bank. 

I have attached below screenshots of my credit score dropping today XXXX and XXXX points because I paid OFF my pledge loan at XXXX XXXX Bank! 
When you pay off a loan your score goes up NOT down! 
It says XXXX XXXX  Account was closed, closing an account cant drop your score.. absolutely obserd! No one has a bank Loan for their entire life span just so that their credit score doesnt go down. My XXXX XXXX account was full paid in full not closed for the XXXX of it! Please rectify your MISTAKE immediately and put my XXXX points back up and give me extra points for being a good girl and paying my XXXX XXXX XXXX off fully. Unbelievable you are absolutely on purpose being malicious to try and destroy lives of good people doing the right thing by paying their bank loan off, I am absolutely disgusted by the way you do things instead of patting the person on the back for paying their pledge loan off you drop their pointsmake that make any sense at all please????! 
Ridiculous I expect my credit to be immediately repaired by you or I am seeking Legal action against the credit bureau Who obviously intentionally want people to fail when they do good I find that absurd and absolutely disgusting. Not even a XXXX XXXX country would do this, Nor would a XXXX XXXX country treat good people that pay their bills on time and pay them off on time this way. If you look at my XXXX page, it is called Sima_loves_life I have over XXXX K followers if this is not rectified, Im going live to my viewers, showing them all the proof and the information of how the credit bureau punish you when you pay off a loan dont come to XXXX XXXX they set you up for failure. How disgusting to say the lease, Im beyond disappointed. And the credit bureau should be embarrassed treating people this way!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

with FTC

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 2024-10-04 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 have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time 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 2024-10-04 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2024-10-04 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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-10-04 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: WA

Complaint narrative:
After checking my credit report, I noticed several billing discrepancies. The late payments do not reflect my typical payment history.

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 2024-10-04 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: PA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
Regarding my XXXX credit card account - XXXX, on XX/XX/year>, I spoke with XXXX at XXXX XXXX customer service department. I explained my account was never late and it had been paid in full and closed. I informed XXXX the account was showing as unpaid due to the continuing accrual of unpaid interest every month, but the account had been closed/paid and this was in error. XXXX reviewed the account and agreed that the monthly interest accrual was indeed in error. She corrected everything regarding the account, as far as the late fees and interest accrual along with updating the " Late '' status of the account in XXXX 's account computer system. XXXX said she would send an " Adverse Action Letter '' explaining the incorrect reporting status of this account to all 3 credit reporting bureaus. However, after XXXX days following this corrective action by XXXX XXXX and submitting the account status update letter to the XXXX reporting bureaus, all 3 of my credit reports are still showing as being either 120 days/150 days late for this account. Would you please contact the 3 reporting bureaus and have this late status corrected/deleted and then have the account status updated to paid-never late for all 3 reporting bureaus. Thank you or your help 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