vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX, this is my credit reports ( all 3 Credit reporting bureaus ) story. 
Since XX/XX/XXXX All three credit bureaus had denied me be the XXXX XXXX XXXX  my credit report for 18 years now except for once in XXXX and when I tried to fix all the inaccuracies and lies on my credit report, They ( all 3 bureaus ) immediately shut me down and locked me out again and it's been since XXXX since I've been able to obtain any one of my three credit reports. Its like they are all working in concert with each other to prevent me from exceling in life. After I sent them copies of my state ID and Social Security card they keep telling me I'm not me I do believe that's 18 violations on top of all the other Inaccuracies on my credit reports. From what I saw in XXXX XXXX XXXX has my name in 100 different derivatives hell yes that would make a person look fraudulent Under 15 US Code Subsection 1681 n - civil liability for willful noncompliance. 

I was on the phone with XXXX just 5 minutes ago again ( XX/XX/XXXX XXXX XXXX  EST ), and the guy I was talking to ( XXXX ) told me I am not sending you your credit report. until after I send it to the maintenance department to fix the inaccuracies. Then it will be sent to you. 
That in itself, shows willful noncompliance. 

I wish I could attach files, but I can't. Because they haven't given me my credit report since XXXX was XXXX years before that in XXXX. Once again after multiple times of sending them copies of my ID and Social Security card 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 2024-04-12 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: TX

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
XX/XX/2024 I requested validation of the alleged debt that were reported to my credit report. Both the creditor and Credit reporting agency has failed to provide me with proper validation of the alleged debt. The credit reporting agency has yet to remove the alleged debt from my credit report. I have sent two letters prior to this one to have the alleged debt deleted from my credit report. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. In this case, the inclusion of the fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) The presence of the fraudulent accounts are severely impacting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2024, I got a call from navy federal stating that it was a fraudulent charge made with my debit card. They told me that they would have to cancel it and send me a new card. A week before my bills were due I made a XXXX  transfer, which usually takes minutes to receive, from my XXXX  account to my navy federal account to pay my bills. 5 days go by and I still have not received the funds. I call navy federal to ask why and they said that my my account was suspended because of the fraudulent charge on the debit card and the funds are being directed to my other checking account, but at this time navy federal had already charged me {$240.00} in returned check fees that they refuse to refund while I had over {$4000.00} pending in the wrong account for over 5 days when it usually available in my account in minutes. So I had no access to the money I needed to pay my bills and was charged fees for something that wasn't my fault and out of my control. This is bad practice and should be illegal. I definitely deserve a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I have items on my report that are still not removed after being requested

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 2024-04-12 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: FL

Complaint narrative:
I have items on my report that are still not removed after being requested

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MO

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
XX/XX/2024 I requested validation of the alleged debt that were reported to my credit report. Both the creditor and Credit reporting agency has failed to provide me with proper validation of the alleged debt. The credit reporting agency has yet to remove the alleged debt from my credit report. I have sent two letters prior to this one to have the alleged debt deleted from my credit report. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. In this case, the inclusion of the fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) The presence of the fraudulent accounts are severely impacting my ability to obtain credit

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 2024-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MO

Complaint narrative:
I don't recall having a contractual relationship with this collection company Lockhart , Morris & Montgomery , Inc . Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-12 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am trying to secure loan payoff on my deceased mother 's mortgage loan account with Freedom Mortgage Company. The process to gain access to her account was originally initiated on or about XXXX of XXXX. I spoke with XXXX XXXX, Specialist Escalations and at her requested emailed a copy of my DL, my mother death certificate and trust documents naming me as trustee. The next several months afterwards I was able to access her account her payment statements began coming to my address as requested. Sometime after that period I no longer had access and statements stop coming to my address. On or about XXXX of XXXX I spoke with XXXX XXXX and week later XXXX XXXX Escalation Teller XXXX and forward her requested documents in order to obtain the payoff of the loan. I received a letter date XX/XX/XXXX requesting Letters of Administration/Letters Testamentary or Personal Representative of Estimate. I called the mortgage company after receipt of the letter to explain that with the Trust their was not a requirement for probate proceedings and there is no executor/personal representative. I spoke with XXXX XXXX he requested to assist me any further or transfer me to a manager or a member of the escalation team stating " I am not their customer '' My mother house is under court order to be sold and is schedule to close on XX/XX/XXXX. The sale is begin held up because the mortgage will not provide the payoff and provide any additional info on what documents are need to obtain the payoff. Ironically the mortgage is past due and they have not problem sending a letter to my address advised that the mortgage is past due and the past due amount is disclosed in the letter.

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 2024-04-12 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
They continue to send robo calls, even after verbal and written request to stop

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 2024-04-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
A request for validation of debt was sent to Aldridge Pite , LLP the information received was invalid, inactive, and out of date. Collection harassment for a debt not owed continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PROSPERITY BANCSHARES, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX I submitted a dispute against XXXX for the charges of {$1800.00} because they did not provide the services they promised. I provided XXXX pages of proof showing how XXXX failed to provide a proper website, did not provide on page XXXX, did not put me in over XXXX directories including XXXX, XXXX, etc, did not provide addequate XXXX and XXXX XXXX, and several other areas they failed. I have this documentation if you need it. I received a letter from Prosperity bank dated XX/XX/XXXX advising they were denying my claim so I called and asked why. The rep stated that they received a document signed by me stating that I agree deposits are non refundable. The problem is I never signed any documents with XXXX and the terms and conditions paperwork I was sent has nothing stating that. I asked for proof to be emailed to me and the rep said it would be sent over. I never received anything. I have been calling weekly since then asking for this proof and for a supervisor to call me and nothing has been done and no one has called me back. I do not agree with the determination because XXXX. I never signed anything XXXX the terms I received have nothing in them stating deposits are non refundable and XXXX even if there was something in my paperwork stating this XXXX  did not provide the services they laid out in the agreement and I proved this. I have been rebuilding my business online presence since XXXX because XXXX almost destroyed my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a follow-up complaint regarding unresolved and exacerbated issues with my Chase checking and savings accounts, originally reported on XX/XX/2023 ( case # XXXX ). Since my last communication, the situation has deteriorated further, culminating in the unwarranted and permanent closure of my checking account. 

Despite undergoing further verification on XX/XX/2023, with a supervisor from the Chase Fraud Departmentwhere I answered senior security questions and provided the XXXX XXXX of my current Chase credit cardmy account issues were purportedly resolved. Contrary to these assurances, my checking account was abruptly closed. Today, I spent approximately XXXX minutes before speaking with another supervisor named XXXX, who informed me of the closure and continued to insist on additional verification steps that were not previously communicated.The explanation provided was a failure to satisfy credit card verification ; however, I was inaccurately asked to provide a CVV from a replacement card that I had not been informed was necessary. 

Moreover, my attempt to transfer funds from my XXXX XXXX to my Chase savings account on XX/XX/XXXX, after an initial transfer on XX/XX/XXXX, was rejected without explanation. This transfer was critical to meet the requirements for a promotional sign-up bonus. The necessity to log into my XXXX XXXX account to add it to Chase 's transfer list was a sufficient security measure, yet my efforts were disregarded. 

The cumulative effect of these issues is profoundly frustrating and has caused significant disruption to my financial planning, including impacting my federal tax return. The lack of clear communication and proper handling by Chase has only compounded the stress and inconvenience. 

Given these ongoing challenges and the bank 's apparent disregard for resolving them appropriately, I am seeking the CFPB 's intervention to facilitate a fair resolution. It is imperative that Chase addresses these failures in customer service and account management, especially for customers who are abroad and have limited options for in-person visits. 

Thank you for your attention to this urgent matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: GA

Complaint narrative:
The Credit reporting agency has not thoroughly investigated this account and been reporting damaging information to my credit report. The company has violated my consumer rights. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. The presence of this fraudulent account is severely impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
I called the company to attempt to close the account, but the representative was unhelpful and kept asking questions that do not matter because the account has a {$0.00} balance and just needs to be closed.

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