vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: IN

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate 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 the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XX/XX/year> - I authorize a withdrawal to an external bank account. This is approved and the withdrawal is completed. 

XX/XX/year> XXXX XXXX - XXXX XXXX email of " XXXX required : Additional information is needed ''. My assets to this account are frozen, and I can no longer make withdrawals ( whether via transfers, payments, etc. ). I am still able to receive direct deposit and earn interest. 

XX/XX/year> - I call XXXX in reply to the above email. XXXX representative says they are unable to verify me via the phone number listed in my account. However, I am still able to log into my account via XXXX using the same number. The representative says they will log the issue, and I will receive an email with next steps. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity, and will send an email with next steps. 

XX/XX/year> XXXX XXXX - XXXX XXXX email of " XXXX required : Additional information is needed ''. My assets to this account are still frozen. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity, and will send an email with next steps. I speak with a representative, XXXX, who I retrieve the following case number from : Case # XXXX XX/XX/year> XXXX XXXX - XXXX XXXX email of " Action required : Additional information is needed ''. My assets to this account are still frozen. 

XX/XX/year> - I call XXXX again, and attempt to re-verify. I am met with the same response - unable to verify my identity. I record the case number, which has changed as the following : Case # XXXX I also am given a complaint number filing as follows : Complaint # XXXX Throughout these

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
XXXX Experian and XXXX still reporting inaccurate information on my behalf without my permission I sent documents and proven those accounts was due from Identity theft I uploaded police report and ftc reports that they saying is not honor denying me rights to my credit causing denial making hardship to provide for my family causing. stress and financial harm to my name and repartition .accounts listed is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX department of education XXXX XXXX XXXX  XXXX XXXX I so have a deletions letter from citi bank but the companies still reporting.

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 2024-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called and asked what my mortgage goes up every year due to fees. The rep didnt know and said it was a mistake. I asked why has this mistake has been happening for 2+ years ( {$120.00} extra for this year on every payment and {$100.00} for the previous years payments ). The rep said they must be late fees but couldnt provide the late payments. She then said theyll be taken off for next months payment. When asked if Ill be receiving the multiple years overage, she said no. When asked why I was charged these fees over several years, she said she didnt know and would call me back today. They didnt so Im filing a complaint agains Fulton Bank as Im sure they are fleecing others as well with the hidden fees.

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 2024-08-02 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-02 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: LA

Complaint narrative:
n 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 non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Im not in collections and using my credit card. I have not been notified that Im in collections because Im not. So I dont understand why I keep receiving calls from this number and another similar number about debt that isnt owed. Im using the credit card normally. Its never been late. No voicemails left either. I only know it might be Capital One because I googled the number not because I answered. I dont answer spam calls. I google them before answering them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
In accordance with the Fair Credit Reporting Act HAPPY MONEY XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as lateforanypurpose.

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 2024-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: PA

Complaint narrative:
A title search revealed that a lien for a mortgage held by Flagstar Mortgage Servicing was incorrectly applied to a vacant parcel adjacent to the house associated with the mortgage. On or around XX/XX/year> we submitted an application for a lien release/remediation to Flagstar along with a {$350.00} application fee. All the required documentation was promptly provided to Flagstar as they requested it. We followed up with them repeatedly via email over the next few months to check on the status. Still unresolved after XXXX months had passed, they informed us on XX/XX/year> that they had transferred the mortgage to another servicer. They attempted to deliver the associated documentation for the lien release request to the new servicer, but did not confirm any reasonable coordination with the new servicer regarding my case. Further, I requested a refund of the application fee which they ignored. 

In addition to the {$350.00} application fee paid to Flagstar we paid additional sums to satisfy their requirements for the application : {$150.00} to XXXX party for a new title search {$550.00} to XXXX party for appraisal {$23.00} to XXXX party for copy of recorded mortgage Legal fees ( unknown amount at this time ) for the preparation of the application to include parcel to be released, parcel to be applied, copy of a survey and descriptions. 

In summary, after paying over {$1000.00} to remediate this situation it was never resolved in a span of XXXX months, and Flagstar sold the mortgage backed by a lien on vacant land to another servicer.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX 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 60 days 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 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 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 2024-08-02 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I noticed a {$3.00} charge for fees and interest on my Lowes Reward statement. I've only had a carryover balance XXXX because I pay my statement balance. This caused me to go back and look at previous statements and I found several more but I'm not sure how many. I knew I had paid this one off but I had a balance if {$2.00}, I found out today this is their minimum interest! It was confirmed not only are they charging interest on the balance but also the balance I've paid.example in XXXX i charged {$150.00} and paid {$75.00} leaving a balance of {$76.00} for XXXX, however they charged me interest for {$150.00} daily! It was confirmed they will charge on balances paid so when I've paid my balance in full they go back and add interest I'm not aware of so again it adds a balance they can charge interest on the FULL past balance.i have XXXX credit cards and I never pay interest because I pay them off or have 0 % .This is fraudulent and deceptive.i am a XXXX senior on a fixed income if they are padding my bill how many more ppl are not aware? They advertise points to earn {$5.00}, never received XXXX, advertised special savings never had one, there missing purchase receipt for a {$91.00} charge. The charge is in the credit card doesnt match lowes records. Icontacted lowes and chase several times still haven't received a receipt or explanation.

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This morning XX/XX/24 I received an email from XXXX XXXX stating that there had been a change to my XXXX credit report. A lender reported that you opened a new account with them. Visit the alerts section of XXXX XXXX to review a recent change in your credit report. I checked the alert section, and it stated that my credit score had dropped. On XX/XX/24 a new account was opened with Bank of America according to XXXX. I also saw that on XX/XX/24 a new account was opened with Bank of America according to XXXX. I did not apply for a new account with Bank of America. I reached out to Bank of America ( XXXX ) and spoke with XXXX in the fraud department. I provided her with my name, address, phone number and XXXX address. She said she would file a claim and that I would receive confirmation via email and regular mail. I reached out to XXXX and requested a freeze and a fraud alert on their credit agency. I also contacted XXXX and requested a freeze on their credit agency. She told me to contact your agency so that I could get and FTC report and then mail a copy to XXXX so they could investigate the Bank of America application.

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 2024-08-02 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief