vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: CA

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My XXXX and I have a joint checking account that we have had open since she was in high school. With her now working and using XXXX for her checks and banking needs she barely uses her Navy Federal account. I she her balances when I log in to my own account and when I see things are not right, I usually speak with her about it. I noticed that she was in the negative back in XXXX. She told me that she didn't have access to her account. She moved during the month of XXXX and was without her old cell phone and debit card and was not aware until I made mention of it. Upon her calling into Navy Federal they reset her account access, changed her address, and sent her a new card. Looking over the transactions, it looks like someone had her debit card and account number, was sending money to her account then going to the atm to remove the same money they sent to her account. You can see that whoever had the card, also knew her PIN number because it was a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. They would do an inquiry then withdraw the money. They used a XXXX XXXX XXXX she would only use Navy Federal banks or banks in conjunction with them so that she wouldn't receive fees. She literally has only been using this account for quick bill payments and/or family business. The bank has not been helpful with this matter at all, they reversed her temporary credit then deducted the funds from my account to make up for her account being in the negative. They recently sent her a letter saying that this claim was denied because they " feel '' she " benefited '' from these transactions. I have been calling them, going to the bank, and trying to get this resolved as we do not live together and she is young and not really sure of what to do. This has not only put a strain on our relationship, but it's driving a wedge between her and I. Additionally, I am behind on several bills and unable to get mandatory XXXX because the bank is continuing to jerk us around.

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 2024-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: OK

Complaint narrative:
I received a Cashapp XXXX card in the mail. I have never created an account with them. I have never downloaded their app. I called to close the account, they asked me to verify more information, at which I have already given them my legal name, my phone #, my mailing address, my email. They still will not close the fraudulent account. They have disconnected the call 3 times stating they have done everything they can for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I requested that the third party debt collector supply the needed documents to validate this debt of {$530.00} for rental of a storage unit. I received a Notice of Lien Sale dated XX/XX/XXXX and on this document there was a write sales date of XX/XX/XXXX. I did not receive the actual notice of sales with the amount that the storage unit was sold for on XX/XX/XXXX. 
The third part debt collector also supply a detail list of charges totaling {$530.00}, this issue with this list of charges is if the storage unit was sold on XX/XX/XXXX why was I charge for storage for XX/XX/XXXX and XX/XX/XXXX. I was change for two month worth of rent for the storage unit after the stated sale date of XX/XX/XXXX. 
The other issue with this list of charges is that the actual amount of the sale is not mention, this amount should have been deducted from the total owed, per Pennsylvania 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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Letter was sent to transunion on XX/XX/XXXX, No response was given Second letter was mailed out XX/XX/XXXX No response was given. XXXX XXXX  XXXX  account is being reported inaccurately. XXXX has already removed the collection due to inaccuracies. TransUnion will not respond or do proper investigation into the collection account. Account was also disputed online and was under dispute for 3 months with no information or updates and was found verified but no verification was given to me.

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: 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: TX

Complaint narrative:
My account with XXXX XXXXXXXX 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 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 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
There are several accounts reporting on my credit report, that are a result of identity theft. I have filed a complaint with the Federal Trade Commission on or around XX/XX/2024. I have also mailed out dispute letters regarding the matter in early XXXX. I have not obtained the proper information verifying that these are my accounts, indeed. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

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: AZ

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I requested a copy of my credit reports and saw an incorrect payment history on an XXXX auto loan. I tried to contact XXXX regarding this incorrect payment history, but I found that XXXX is no longer in business. I contacted the credit bureaus and I ask them to investigate and correct the payment history, but XXXX and Equifax came back to me saying the information had been verified, I then requested how the information was verified, and my request was ignored, by both bureaus. It is the law that they provide detailed method of verification, but my request was ignored. 
XXXX XXXXXXXX XXXX  was purchased by XXXXXXXX XXXX and XXXX was verifying the credit information under the XXXX account on my credit bureau. My account was opened and paid off under XXXX and not XXXX and it is not accurate information on my credit report to have XXXX reporting information on the behalf of a bank that no longer exist. The bank that is reporting the information is not the bank where the account originated or who was paid the payments. I do not believe it is correct to have one bank verifying information and reporting for a defunct bank under another name. I'm legally intitled to have a 100 % accurate credit report and since the original creditor can not verify the information The bureaus must correct my payment history since they can't verify with the original creditor.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I've asked Barclay Credit Cards to close my account and they refuse. I open the account under false advertisement ( attached false advertisement ad that Barclay Credit Card refuse to honor ) causing damage to my credit score and because of that reason I want nothing to do with this horrible credit card company and I want the account closed ASAP. Ive never used the card and never plan to do so.

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: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: NC

Complaint narrative:
This collection is on my credit report but I never received a 1099C for this charged off debt. provide me with 1099C to accurately reflect this as a charge off for tax purposes and update or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

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: AL

Complaint narrative:
There are several accounts reporting on my credit report, that are a result of identity theft. I have filed a complaint with the Federal Trade Commission on or around XX/XX/year>. I have also mailed out dispute letters regarding the matter in early XXXX. I have not obtained the proper information verifying that these are my accounts, indeed. Since my information was impacted by the Equifax data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is inaccurately reporting a late payment into my credit profile. This is causing my credit to suffer preventing me from employment opportunities. I have attempted to resolve this matter with no response from the Transunion reporting agency.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation started on XX/XX/year> and ended XX/XX/year>. I request an immediate re investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( public Law 91-506 ), Title VI, Section 611, Subsection 1-D, Please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly.Additionally, please send me a updated copy of credit report after completing your investigation. 
XXXX name : XXXXXXXX XXXX XXXX  Account number 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 2024-07-16 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: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report I noticed unauthorized accounts : ( XXXX ) DPT EDXXXX XXXX opened XX/XX/XXXX, ( XXXX ) DPT ED XXXX opened XX/XX/XXXX ( XXXX ) DPT ED XXXX opened XX/XX/XXXX ( XXXX ) XXXX opened XX/XX/XXXX ( XXXX ) XXXX  opened XX/XX/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 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: NJ

Complaint narrative:
I made a transfer of the sum of XXXX naira ( {$69.00} ) to a friend in XXXX on XX/XX/year> through XXXX. I received a notification within XXXX minutes later that the transfer had been complete. However, the recipient has not received the funds as at the time of writing. I contacted XXXX after 2 days without any proof of funds. They requested that i should provide the recipient 's bank/mobile wallet statement that showed the transaction history immediately after the transaction was sent. I provided the requested document and have tried to contact XXXX several times via both phone and email to resolve this matter but no avail. They claim that they are conducting some investigation but have not even bothered to provide any updates more than XXXX weeks after the transaction.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Incorrect addresses list on Experian and XXXX that do not belong to me : 1. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation