vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am writing to dispute the information reported by Navy Federal Credit Union regarding my closed credit card account. While I do not dispute the ownership of this account, I assert that it must be removed from my credit reports due to significant inconsistencies in reporting, which violate my rights under the Fair Credit Reporting Act ( FCRA ). 
The account in question has been reported differently across all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Specifically, the following information is inconsistent : Open date Close date Date of last payment Date of last activity High balance These discrepancies indicate a failure to maintain accurate and consistent records as required by law. The FCRA mandates that information reported to credit bureaus must be accurate, complete, and verifiable. The inconsistencies across reports demonstrate a clear violation of these requirements. 
Furthermore, these inaccuracies violate the Fair Debt Collection Practices Act ( FDCPA ) if any attempt to collect on this debt has occurred, as the inconsistent information could be considered false or misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

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 2024-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Their Explanation is that the interest is calculated daily so monthly statements minimum payment amounts vary which I understand. Ive tried to make additional payment to be applied to the principal but in several instances they apply the entire amount to interest, Ill give some examples : XXXX {$200.00} all interest XX/XX/XXXX {$1000.00} all interest XXXX {$1000.00} all interest XX/XX/XXXX {$1000.00} {$820.00} interest {$170.00} principal Missing statement XXXX {$1000.00} {$720.00} interest {$270.00} principal XX/XX/XXXX {$640.00} all interest XX/XX/XXXX {$770.00} all interest Ive called 3 times and keep getting conflicting answers

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 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: VA

Complaint narrative:
On XX/XX/year> I received an email from a company called, Mercantile Adjustment Bureau , LLC. They are stating I have a balance owed of {$1300.00} with XXXX. The creditor they are collecting for is XXXX XXXX XXXX which is a creditor I have previously had try to collect funds from me that were not owed. Mercantile Reference XXXX is XXXX. I have not been with XXXX in over 10 years and when I left their company, I did not owe them anything. This is a company trying to get funds that are not owed to them. Phone # for XXXX is XXXX. Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-16 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: 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank first informed me of fraudulent activity on my checking account via phone on the night of XX/XX/2024. On XX/XX/2024, I called the XXXX for US Bank again to find out what was going on. Both days, both agents informed me that I needed to go inside the nearest US Bank branch and fix the issue. I went to the branch in XXXXXXXX XXXX on XX/XX/2024. The bank informed me that my checking account was set for closure and that US Bank would mail me a statement and a cashiers check with my remaining balance. Today is XX/XX/2024. US Bank continues to tell me the account is open and I need to wait for a letter in the mail. THIS IS RIDICULOUS AND UNACCEPTABLE!!! I NEED HELP!!!

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I recently had a hotel stay in XXXX XXXX a temporary hold was placed on my card for the amount of {$150.00} on XX/XX/year> I subsequently ended my stay and on XX/XX/year> the Hotel released {$130.00} back to my card, I provided all the information to the card company ( cashapp ) and I waited the appropriate 7 days and the ( cashapp ) refuses to release the money saying that It will be released after 30 days ... I have attempted several times to reason with cashapp and I am being stone-walled, saying there is nothing that they can do when the funds have clearly been released and the hotel has done everything that is possible to release the funds back, I do believe cash app is keeping the funds to gain interest and not making them available to me the consumer the one who put the funds there. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-07-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
At approx XXXXXXXX XXXX XXXX XXXXXXXX, my cell number, account, and XXXX account were stolen. I watched it scroll across my cell, then it shut off. I immediately call Bank of America, and 2 other cards, from my landline XXXX, notified them, and froze accounts. BOA rep said " You're in plenty of time, it takes 1-3 business days ''. I had no access to cell phone until it was restored by provider on XXXX. ( They provided a theft letter to me ). A charge was made on a Bank of America credit card for {$1600.00} to a XXXX XXXX XXXX. On XXXX, I went to local XXXX BOA XXXX spoke to rep, she called fraud department, gave me case #. During the next few days, I forwarded all info to local rep who mediated with home office. Got resolution letter that denied claim of theft/fraud, accused me of having " an overdraft that money covered, in another account under my name. '' I dont bank with BOA. Have filed complaint with XXXX ( have case # ), Consumer Cellular ( have letter ), FTC ( have report ), Internet Crime XXXX ( have report ), Social Security, 3 credit bureaus ( all are frozen ), now CFPB. Next is local police, OIG, and my state AG. My name, SS # and overall well-being as a senior citizen has been violated, and BOA is treating me as a criminal. Any account they say I have with them or XXXX XXXX ( who I have never heard of ) is false and needs to be shut down as soon as possible. My personal bank in my town XXXX XXXX XXXX XXXX XXXX XXXX handled the theft/fraud professionally, and I continue to provide them with info as I obtain it. This ends my complaint. 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 monetary relief
Consumer complaint received 2024-07-16 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I'm filing this complaint against Navient, a previous student loan servicer. The account is now closed due to loan consolidation. In XX/XX/year>, Navient submitted a 90-day late payment notice to all three credit reporting bureaus. To the best of my knowledge, the loan was on deferment for years because of difficulty paying. Yearly, I would call to request a deferment. To the best of my knowledge, the deferment was good for a year. So, it was a surprise when XXXX notified me of negative information on my credit file. I had no information from Navient that the deferment had expired. 

Upon learning of the negative information reported on my credit file, first, I reached out to Navient about the negative information they had reported and requested they remove it. Customer service informed me they couldn't remove the information, only the credit bureaus could do so. I argued that was incorrect. Navient provided the information, therefore, Navient could contact the credit bureaus to have it removed. She refused to honor my request. 

Then, I contacted XXXX on XXXX occasions to dispute the negative information. Each time, XXXX simply forwarded my dispute to Navient and that was it. It did not show how it conducted its investigation. I even submitted an email showing the account was on deferment, to no avail. I have not had any success dealing with either institution. 

On XX/XX/XXXX, I contacted them about the loan since Navient sent me an email regarding the change of status of the account. Of course, they had no information to provide and told me to call back in XXXX. I followed up again in XXXX just to be told that the account was closed due to consolidation, there was no information to provide. So confusing responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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 hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a felony under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information 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 non-monetary relief
Consumer complaint received 2024-07-16 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 hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a felony under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information 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