vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: IN

Complaint narrative:
Flagstar recently updated their computer system. Now deposits from companies that I work for as well as social security and military retirement are not being updated in a timely manner ( should be at the beginning of the business day at the very least ) which means my account is not current. The result is the inability to draw on funds that I am told are there but the account is not updated so I risk overdraft or rejection for payment. This is unacceptable and the response from the bank is lackluster at best ( we are still working on the computer ). I have a right to timely and accurate account information and this needs to be resolved.

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 2024-02-28 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:
I reviewed my credit reports and it shows unverified and fraudulent item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-28 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: IL

Complaint narrative:
Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.

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 2024-02-28 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: IL

Complaint narrative:
Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX  loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: IL

Complaint narrative:
Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.

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 2024-02-28 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-28 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: GA

Complaint narrative:
I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my report, I noticed an inquiry that I do not recall authorizing. I have attached copies of the relevant documents for your reference. 

Considering I have no recollection of authorizing this inquiry, I am concerned that it could potentially be fraudulent. As such, I request that you promptly investigate this matter and remove the inquiry from my credit report immediately. 

Please provide me with an update on the status of this dispute once your investigation is complete. You can reach me at the contact information provided above. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Fraud scammers took over my account and were able to change my mobile phone associated with the savings account and then requested two transfers of funds to their XXXX XXXX XXXX accounts. Both transfers were to take place today XX/XX/2024. I learned of this when I was able to change my password and then change back my phone number by calling the bank on XX/XX/XXXX. I then saw the transfer requests and requested they be halted before finds actually left my bank Marcus by Goldman Sachs. Only one of the two transfer requests was halted ( {$9900.00} ). The one for {$9800.00} was not able to be halted and left the bank and my account. I was told I needed to make the request to halt 1-3 days prior to the transaction to guarantee my money would not leave the bank and my account. I was told I didnt meet that 1-3 day requirement. This is confusing. The bank opened a fraud case but Im not hopeful of getting back my {$9800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

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 2024-02-28 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

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 2024-02-28 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: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I had a XXXXXXXX XXXX XXXX ending with XXXX. They sold the account to a 3rd party called XXXX 
In XX/XX/XXXX, I saw a negative report from them on my credit report so I called the credit card to dispute it. I called again on XX/XX/XXXX and spoke with XXXX XXXX who said she can not accept any money at this time because theres a current dispute. I have to wait 30 days. I never received anything to this very moment. 
I told her that I have a snapshot on how much I actually owed on my account since the last time it was active. I emailed the screenshot of my last balance of {$1800.00}, but they refused to acknowledge this is the amount that I actually owed. Instead, I was told each time the account is transferred to another company it incurred fees. There was no help. Few days later I called again, I was told that the account was now sent to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I proceeded to call XXXX XXXX and spoke to XXXX XXXX who asked me to email him the screenshot at XXXX which I did. No solution was taken place. 

I need them to allow me to pay what I actually owed {$1800.00} with paid as agreed or paid to delete agreement. I never heard anything back from them since, they refused to help move forward with a definite solution for the problem. 

Please help me to have them remove the negative report from my credit report because it is hurting my opportunities to purchase a house. I can be reached at my email : XXXX or my cell ( XXXX ) XXXX. I give you permission to talk to my wife on my behalf as well. Thank you so much for your understanding. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my TransUnion credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have communicated with Dell Technologies & Comenity Bank at least 3 times each on XX/XX/year> and on another previous occasion regarding a monthly reoccurring charge of a little less than XXXX dollars. I requested information about what I am being charged for and how to close account both entities said they were powerless in granting info are my request and both entities blamed the other for having the power, after being disconnected twice and 3 attempts to resolve and get information I am requesting help with this? I am also requesting Interest to be dropped and would like to close the account. I have never understood what the charge is for, the charge continued after I bought and completely paid for a computer on this account. I requested at that time info on what the charge was for and I got no answers so I continued to pay it until Dell shut down the website that I was paying the monthly charge on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I took a line of credit out for {$1400.00} and I have to pay every single week {$120.00} and then it decreases but I also have to charge an {$80.00} reoccurring fee that goes straightly to them so Im only paying {$43.00} of my principal and {$80.00} in interest that just sounds to me like I watch this XXXX XXXX over the payday loans and that just sounds just like this I thought I was paying like a monthly payment and only {$40.00} a month it is gon na go {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: MD

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. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-28 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I never gave written permission for first premiere to use my information for filing a report and not only that, they settled and told me they would close my account and remove from credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Navient to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXXXXXX Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This is involving a collection with XXXX XXXX. My ex-spouse XXXX XXXX signed as a guarantee for this apartment, but he was the Primary tenant. He had another residence as well, hence why he signed the apartment as a guarantor. He is responsible for this collection not me and was aware of this. And I have not seen any documents aligning me with this collection. I should not be held liable for this apartment, whenI was sustaining a household on the other side of NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I called my bank Bethpage Federal Credit union to dispute a couple of transactions back in XXXX of XXXX, that were not made by me and I reported it as fraud. I explained to them that I never travelled to XXXX in my life and that the payments that were made in various super markets was not me. Then they gave me the money back and everything was fine until I received a letter in the mail on XX/XX/XXXX. Where they stated they were taking the amount back that they credited because they concluded it wasnt fraud. I went to the bank to try to discuss this again that my card info was most likely stolen and I began to demonstrate personal info as proof to show I was here at home at the time of these purchases. I did not hear back from the bank and I checked my account today XX/XX/XXXX and find that the account took my money without permission and now my account is in negative.

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