vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: OH

Complaint narrative:
In accordance to 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. 

XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX accounts XXXX and XXXX, XXXX XXXX XXXX accounts XXXX and XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of innacurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be innacurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of that investigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is innacurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: Skopos Financial, LLC
State: TX

Complaint narrative:
Ive noticed I had inquiries on my report that I dont recognize and I havent authorized them to run my credit and I want them deleted ASAP- i already filed identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute an item on my credit report related to my account with XXXX XXXX XXXX. My Experian report indicates that this account is still being reported as unpaid, which is incorrect. 

I have received a letter from XXXX XXXX XXXX confirming that my account was paid in full. Additionally, I received a 1099-C form from the company, which indicates that any remaining debt was canceled. This documentation clearly shows that the account should not reflect any negative information on my credit report. 

Please find copies of the letter from XXXX XXXX XXXX and the 1099-C form attached to this letter for your review. 

I kindly request that you investigate this matter and update my credit report accordingly. I look forward to your prompt response regarding this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 1099-C Form

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TranUnion, XXXX, XXXX these bureaus are reporting unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX on XX/XX/XXXX. 
XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/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 2024-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I received a letter from TD Bank in connection to my XXXX XXXX Account being closed on XX/XX/year>. The letter is dated the 2nd and reached my XXXX XXXX XXXX. I called to see how TD Bank/ XXXX will be compensating customers for their closing of the line of credit which will effect customer 's credit reports negatively. TD Bank said the account will remain open until it is closed or paid off and that the reported available line of credit would not be usable for XXXX XXXX or anything outside of XXXX. So effectively from what I understand the line of credit would be reported without actually being able to be used. If I had known their business arrangement was on such shakey ground and that no subsitutions for the line of credit would be offered then I would have not entered into such a contract which would damage my credit score. As it was advertised as a revolving line of credit and not a loan I believe customer 's have a right to be angry about the rugpull.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
Experian is resulting to legal jargon in response to my request for a re-investigation of my disputes of account # XXXX as of today nothing in the reports have been changed even though you say they are updated in your latest communication. if your re-investigations and evidence into these disputes led you to believe all the information in XXXX XXXX  account reports herein are verified and accurate then please publish this as your response to my disputes. 15 USC 1681. Furthermore i formally request herein that i be made Privy pursuant to law ( FCRA } of any information that was filed by the XXXX XXXX to Experian in response to my disputes, please publish this info with the CFPB and mail a true copy to me at my address herein : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Responding to a request for a re-investigation by merely saying an account is updated and that you've contacted the XXXX XXXX XXXX, then publishing a copy of the process rules and definitions in your dispute center response page does not satisfy the requirements of 15 USC 1681 herein. Updating an account to no end is futile.

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 2024-12-24 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: PA

Complaint narrative:
Investigated on my credit report and found items on there to be inaccurate disputed numerous time for accuracy of report and inaccurate or unverifiable information which violates laws under the 15 US code 1681e b and 1681 ( 5 ) and asked to remove or delete the following items 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 2024-12-24 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX on fraudulent attempt to secure credit was attempted. 

JP Chase has identified it as fraud, promised to remove this inaccurate information from my credit file, yet almost a year later it still remains JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My consumer report contains some factual errors which is creating a materially misleading impression. This inaccurate reporting is misleading in such a way and to such extent that it can expect to have an adverse effect against my creditworthiness. Therefore, Im disputing the completeness and accuracy of the specific items of information identified in my attached dispute. Ive attached my consumer report, with the discrepancies highlighted.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank closed my checking account, without notice, due to a {$100.00} XXXX transaction which occurred a month prior to the closure on XX/XX/XXXX One Truist agent referred to the reason for the closure was my high risk behavior! 

There was neither fraud nor high risk behavior involved that led to this closure What happened was that I purchased a XXXX  from a person l know on XX/XX/XXXX for {$100.00} When his friend delivered it, it was rusty so l refused delivery as said l wanted the {$100.00} refunded.

The seller did not respond to my refund request via texts messages for 4 days, so l opened up a dispute with XXXX All financial institutions have dispute departments. And if l open a dispute it is never held against me or my status with the financial institution. Either they agree or disagree with the dispute.

However, in this case, the seller, voluntarily, returned the {$100.00} on XX/XX/XXXX. XXXX and l did not pursuit the claim with XXXX any further The unexpected Truist closure letter was dated a month later, XX/XX/XXXX. 

It was very clear that a {$100.00} payment was made and refunded. It's recorded on my Truist XXXX account And there was no risky activity. 
Certainly nothing to raise red flags However I receive my monthly XXXX XXXX XXXX through direct deposit, to Truist Bank, on the XXXX XXXX XXXX XXXX  I can't change my direct deposit in one week to another bank, so it will be returned to the XXXX and could cause a red flag and problems with the XXXX and jeopardize future checks I know it takes the XXXX a minimum of 2 months to change my direct deposit to a different bank, so I will not have check for XXXX and likely XXXXXXXX XXXX XXXXXXXX This is my sole source of income l am also concerned that l may be put on the XXXX XXXX XXXX for fraudulent activity and not be able to open a bank account anywhere I have contacted Truist Bank 's fraud department and XXXXXXXX XXXX fraud department and there is no appeal process. The decision was made and is final Im boggled that my account, direct deposit and financial integrity are now all in jeopardy for buying a candleholder and paying for it with XXXX and requesting a refund. 

It's been a nightmare and individuals at both companies agree there is no valid reason to have closed my Truist account but nobody can stop the closure of my Truist account There is no appeal process once the account is blocked and reviewed Although my credit history is perfect, if placed on the XXXX, that decision lasts for 5 years I do not know what to do. I was totally blindsided

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 2024-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I setup a debt management plan with navy federal. The dmp is set to pull on the XXXX and then goes to navy federal after its been pulled. 

Navy federal closed my accounts upon accepting the dmp so they should be very aware of how this works.

Navy federal has been telling me for two weeks my payments are past due. Ive submitted multiple messages to navy federal informing them of this mistake and requesting they update the payment date to the XXXX XXXX XXXX XXXX as was reflected on the dmp.

Navy federal did not respond, they had an AI chat bot say it couldnt help me a day after I submitted my first message.

My dmp pulled the payment for navy federal on XX/XX/2024. It should pay my accounts at navy federal  on XX/XX/2024. 


Today, XXXX XXXX, XX/XX/2024, navy federal took all of the money from my savings account and applied it to my loan as a partial payment.

So now navy federal took my savings, and will get their full payment on the XXXX as my dmp says they will. This causes me to not only lose XXXX dollars on this paycheck, but also very much impacts my XXXX  XXXX. I would like for navy federal to fix my due date issue and refund me the over payment they decided to collect despite my efforts to inform them of their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
In XXXX I paid approximately XXXX. I asked the guy prior to making the payment will my monthly payment go down if I pay {$5000.00} towards my escrow he stated yes. I checked the portal days later my payment did not go down as he stated. It was left in my escrow acct the house payment was the same. I called and asked is the call recorded the guy stated yes. I told him the problem he stated your escrow analysis isnt until XXXX or XXXX. I said I was told that previously. I requested the {$5000.00} be put towards six payments. He said ok you will not have a payment until around XXXX or XXXX. I checked again days later the problem still is not solved. I called again spoke to a lady. I asked are the calls recorded she stated yes. I told her the problem she stated she fixed it and apologized. I received a letter stating XXXX  XXXX XXXX own my loan. My loan was supposedly bought out by Shellpoint in XXXX and Shellpoint is the company I have been paying. Theres no record of Shellpoint on my credit report and XXXX XXXX XXXXXXXX has me owing XXXX. This is stressing me out causing me to under perform on my job. I feel as though my acct is fraudulent and will like a complete paid in full acct with the clean deeds sent to me mental distress compensation from which company is playing whatever games. I have the letter at home where Shellpoint stated XXXX  own my loan but Ive been paying Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: AL

Complaint narrative:
Republic Finance is reporting the incorrect amount on my credit reports. My account is up to date and should not be showing behind. I have requested to have the information updated. Please update or remove from my credit report immediately. The amount is {$210.00} per month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
My account with XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH 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 my 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 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 AND XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief