vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
On XX/XX/2021 a XXXX XXXX  with a balance of {$860.00} was reported on my credit report. The current status is Account Charged Off.

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 2024-11-09 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: SC

Complaint narrative:
I received a loan on XX/XX/XXXX that I needed for debt consolidation. As soon as the money hit my account, they took it from me and called it an adjustment. I needed that money and I understand Im behind but that was money I was going to start making things right. Highway robbery!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XX/XX/. Trying to unfreeze credit with TransUnion. Tried their website but it doesn't work. I get an error message and a phone number to call. Then I tried the phone number, and again it said it could not do it. I am unable to get them to unfreeze my credit. I just need it temporarily unfrozen.

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 2024-11-09 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:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, w
hich protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX  Account Number : -- - Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Credit Central Holdings, LLC
State: GA

Complaint narrative:
Greetings Agent, This COMMUNICATIONS is with Reference to the Alleged Contractual relationship, I have a right to an authenticated RECORD OF THE ACCOUNTING. I am not Paying anything, that I was not GIVEN the proper documentation for this DEBT. 
You REPORTED TO THE CREDIT AGENCY, THAT YOU HAVE WRITTEN ON THIS DEBT. BUT NEVER SENT ANYTHING TO PROVE YOU LOSS THE INCOME. You have a DUTY and or OBLIGATION to respond with appropriate information within the time frame allotted and or permitted by XXXX. Because this is associated with my rights applies respectively, The Fair Credit Reporting Act, The Fair DEBT Collection Act, The Truth In Lending Act, Penalties and Assessments and or Failure to Act or Failure to COMPLY with the STATUTORY Requirements, Please Be Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Colony Brands, Inc.
State: GA

Complaint narrative:
Greetings Agent, This COMMUNICATIONS is with Reference to the Alleged Contractual relationship, I have a right to an authenticated RECORD OF THE ACCOUNTING. I am not Paying anything, that I was not GIVEN the proper documentation for this DEBT. 
You REPORTED TO THE CREDIT AGENCY, THAT YOU HAVE WRITTEN ON THIS DEBT. BUT NEVER SENT ANYTHING TO PROVE YOU LOSS THE INCOME. You have a DUTY and or OBLIGATION to respond with appropriate information within the time frame allotted and or permitted by Law. Because this is associated with my rights applies respectively, The Fair Credit Reporting Act, The Fair DEBT Collection Act, The Truth In Lending Act, Penalties and Assessments and or Failure to Act or Failure to COMPLY with the STATUTORY Requirements, Please Be Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Please refer my previous CFPB complaint # XXXX Till now, this issue is not straightened. 
I can not see the full balance. I can not make the payments. I can not setup automated payments. 
Even my {$750.00} cash back bonus is missing which us bank is stating got deposited on XXXX XX/XX/year>. 

What's going on? 

why this credit card is so so complex? 
Why this company US bank simply don't close their operations and outsource the work to somebody who is capable enough?

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 2024-11-09 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:
Ive requested ( SEVERAL ) times ( TRANSUNION ) remove the negative & inaccurate account from XXXX XXXX XXXX Which the company has provided information that they dont have an account for me. 

But ( TRANSUNION ) has violated 1681n willfull non-compliance by not removing this item and repeatedly stating they dont have a consumer report for me. Which is inaccurate I have attached the consumer report to this COMPLAINT

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 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: AZ

Complaint narrative:
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ) and I am again requesting validation of the debt associated with account number ending in XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. To refresh your memory on what constitutes legal debt validation, I am provinding you a list of the required documentation. 

Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to purse collection activity until the debt is validated. You should be made aware the XXXX XXXX, Plaintiff, v. XXXX XXXX, NO. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the court ruled that reporting a collection account indeed is considered collection activity. 


While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA, as this will be one of many attempts in the past few years to amicably resolve this continuted greavance towards me by Sequoia XXXX XXXX I look forward to a speedy resolution of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for multiple violations of federal consumer protection laws. 

Specifically, XXXX XXXX has : Failed to Provide Validation Information : The agency has reported a closed collection account to a consumer reporting agency without providing the required validation information as outlined in 12 CFR 1005.34 ( b ) ( 5 ).

Disregarded Dispute Rights : Despite my attempts to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), the agency has continued to report inaccurate information.

Engaged in Deceptive and Misleading Practices : The agency has used false, misleading, and deceptive means in its collection efforts, violating federal consumer protection laws.

Furnished Information Without Proper Authority : The agency has furnished information to consumer reporting agencies without complying with the disclosure requirements of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have attached a screenshot of the credit reports to substantiate my claims. 
I request that the CFPB investigate these allegations and take appropriate action against XXXX to ensure compliance with federal consumer protection laws. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries on my credit report is the result of identity theft and should be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

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 2024-11-09 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: TX

Complaint narrative:
I requested a copy of my credit report and seen accounts that wasnt mine so I contacted m bank to have them to freeze all my accounts until further noice

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 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2024-11-09 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: FL

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 2024-11-09 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:
This CFPB complaint has been filed to request too pursuant to FCRA sub section 650B ( 15 USC sub section 1681c-2 ) that you Equifax, the consumer reporting agency, block information appearing on my consumer report that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> acct # XXXX and an auto loan account opened at XXXX XXXX on XX/XX/year> acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX charged my card the deposit of {$150.00} on XXXX XXXX XXXX then when I return the truck the same night there's a charge for {$190.00} and change from XXXX XXXX XXXX  and now I can not seem to get anybody to release the deposit money back into my account. The bank is denying their issue because they say their policy is XXXX days for a car rental but I've never had this issue before with any other vehicle I've rented and now try missing that they can not do anything until XXXX releases the funds so I have XXXX saying they can't do anything and the other XXXX saying they don't know what I'm talking about and I'm getting the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
I requested a copy of my credit report and seen accounts that wasnt mine so I contacted m bank to have them to freeze all my accounts until further noice

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested a copy of my credit report and seen accounts that wasnt mine so I contacted m bank to have them to freeze all my accounts until further noice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>, I received ( 2 ) delinquencies on my credit report from USSA Federal Savings Bank in the amount of {$310.00} twice per month. One in XXXX, and one in XXXX, which I called USAA and notified them that I was in between of finding a job and doing car services to pay them that monthly fee. I notified them in the month of XXXX, but they continued to call me about the same issue in the same month and again in XXXX. When I received the money, I paid USAA off the full amount plus the late fee charges that we're added. I'm currently waiting for the credit card company to remove my delinquencies on my credit report because before I lost the job, I made all my payments on time. I bin with USAA XXXX XXXX for ( XXXX ) years now and haven't missed a payment with the other car loans I had on my account. I want to get this derogatory marks removed off my credit report because it's not allowing me to maximize my credit opportunities the way I want too.

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