vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
Hello, I went to log into my account for USAA checking account and noticed it was closed. 

USAA is stating my exhusband whom iv been divorced from for about 10 years was CO owner on the account and closed it this is their speculation by the way. 

They can not confirm who closed my account WITHOUT my permission. 

My exhusband hasnt has access to my account nor any of the security questions that usaa asked to speak on behalf of your account. 

would like to note they said this person called in- couldnt provide with who or pull the call I have attached my last statement with USAA Showing my account was in good standing. This account is not my primary account as there are limited transactions. 




We may require you to give us a minimum of seven ( 7 ) calendar days advance written notice when you intend to close your account by withdrawing your funds. We may refuse to close your account. NO NOTICE WAS GIVEN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score use to be over XXXX, recently it dropped below XXXX. I notice payment history was downgraded from exceptional to very good. When I look at the data it says no late payments for months and I know I have no late or missing payments for decades. 

I call Experian and they said they only look into monitoring issues and gave me an XXXX XXXX XXXX number to call. When you call that number you can not get to an agent, only order a credit report or lock. I need to speak with someone.

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 2024-01-02 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Starting on XX/XX/, Comenity Capital has done five unauthorized hard credit inquiries on me. I have contacted Comenity several times, and each time, they tell me they do not have a record of the credit inquiry, and thus, they can not help me. I then follow up with XXXX, who tells me that I need to contact Comenity. 

I have frozen my credit score. 

Besides that, I do not know how to stop Comenity Capital from making these unauthorized, erroneous credit checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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.

Complaint narrative:
My XXXX XXXX is XXXX, i have closed my credit card of XXXXXXXX XXXX  and paid all the dues but still the Experian and XXXX reports shows that I need to pay pending dues. This is impact my credit score alot where as cibil has updated it as a closed account. The dues were paid before 3 months and from last 2 months i'm raising disputes to Experian and XXXX but not help.this is effecting my credit score alot. Please find the attached XXXX  from my XXXX XXXX XXXX in the below.

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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I tried to make my first payment and wasn't able to from the TD bank website. 

I was only able to view my checking balance. When I tried to login through the credit card option on your website it took me back to my business checking balance. I asked about this in person, the manager thought I wanted to change my password and cleared my phone number which made it difficult to log in to check my balance or make the payment at all. From that day, I have had trouble logging into my account ever since. I've had to make payments in-person where there's been some confusion and I have had to rely on the temperament of the person serving me to make sure my payments go through.

It is remnant of fraud because I'm not able to pay my bill on time and creates room to create a debt pitfall for me when I am able to pay without issue or login after not being able to see or pay my credit card balance. I got this card to strengthen my credit potential. I would not like my business relationship to end with this bank but I need to be able to make payments without my payments being held hostage. 

I don't want my payments and potentially my safety being in jeopardy every month I visit the bank to pay on time. I'd like to keep my relationship with this bank but I can not be left to dry with no security blanket. It's unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Moved out of apartment early and was charged a {$2700.00} fee. My security deposit insurance covered {$2500.00}, which leaves a debt of {$270.00}. I am currently paying back the {$2500.00} to the deposit insurance. The landlord will not acknowledge receipt of the {$2500.00} that they received on my behalf. Also have made numerous attempts to contact the debt collector, including disputing the debt twice. I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm not a legal expert, but I can highlight some consumer protection laws relevant to identity theft and credit reporting. There are names addresses and previous addresses i dont recognize on my credit report.The Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) are two important laws that protect consumers in such situations. These laws allow individuals to dispute inaccurate information on their credit reports, including fraudulent accounts resulting from identity theft. According to these laws, consumers have the right to request the removal of unauthorized names addresses and employers from their credit reports. please remove these also known as previous addresses employers.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a wrong XXXX in my credit report... they cant proof it as mine because the court says that they never report account to the credit bureaus...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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 respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2024-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I purchased this property and had no issues initially. Then the lender started causing issues with my homeowners insurance. They cancelled not on, not two but three different policies. Each time failing to make the payments to keep the policy active. They then added a lender policy which is more than 3 times the cost of my other policies and provides ZERO persona property coverage. They have admitted to their errors, claimed they would fix it. Claimed they would not report me late to the credit bureaus or charge me late fees and they are doing both. As a result, my business lines of credit are being reduced and it is causing me financial hardship as I'm unable to work. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have written multiple letters disputing 2 collection accounts on my credit report and have asked them to send me validation, not just verification and they refuse to send me any proof of these accounts and these accounts that are in collections are also not sent me any validation proof, but they keep reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX which lists CAPITAL ONE N.A. as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099-C form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number then please contact the collection agency and have them remove this account due to inaccurate reporting. XXXX run the risk of being taken to small claims court per violation of the FCRA and FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NC

Complaint narrative:
Prior to the pandemic I opened accounts with XXXX and XXXX XXXX. When the pandemic occurred, I called both lenders and expressed my hardships along with making accommodations to pay and close the accounts. I recently viewed my credit report and both lenders are reporting late payments on closed accounts. This is in violation of FCRA law 15 USC 1681 S-2 ( F ). Not only were these payments covered under the CARES act, but I've paid as agreed and closed both accounts per my request. I reached out to both CRA ( XXXX and Transunion ) via phone and mail requesting that this information be reported accurately. I have not gotten a response to my request. This information reporting inaccurately is severely affecting my ability obtain lines of 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 non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
This company keeps calling harassing me about XXXX XXXX aka person. 
Each time they called I explained they have called the wrong number and remove it and stop calling me at work. They have not, they continue to call. 

Called XX/XX/XXXX @ XXXXXXXX XXXX  Called again XX/XX/XXXX @ XXXXXXXX XXXX Called again XX/XX/XXXX @ XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I received a unsolicited check in the mail for {$3100.00} from Mariner Finance in XXXX XXXX Ga. I deposited the check in my bank and read the amount of interest they wanted and the the add ons for different things, so I saw where they gave a 15 day guarantee for the loan for refund of the money and I directed my bank to refund the {$3100.00} and the bank sent a check for XXXX to Mariner finance in XXXX XXXX Ga. They now want me to pay them an additional {$300.00} for interest on the loan. They are holding the bank check saying they want it certified or cash. I am XXXX XXXX XXXX but I am not a fool. How can a business do this to people and try to get away with it. I sent a letter requesting cancellation the same day the bank sent the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This company is calling me repeatedly. They are trying to collect on debt that was discharged in XXXX  many years ago. 

They will not stop calling despite repeated requests. They are threatening me, saying derogatory statements about me, and operating illegally in a phishing scheme. They refuse to give me information & want my attorney to call them but they wont give me any information except kind of teasing me with threats & asking me how I can sleep at night when I didnt pay my bill. 

They have many many many many phone numbers. 

They say they work for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: LA

Complaint narrative:
On XX/XX/2023, @ XXXX XXXX., I obtained a copy of my credit report from Experian. During my review, I noticed quite a few discrepancies, mainly with my personal information. I have contacted the bureau numerous times and sat countlessly on hold for hours of my life I can not get back. I sent them a certified letter requesting them to fix the incorrect information. The tracking number is : XXXX I advised them about the incorrect information and was rudely told that " they are a data reporting agency ; any data received by the creditor is stated and can not be changed or deleted by 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 explanation
Consumer complaint received 2024-01-02 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: NC

Complaint narrative:
My purse was stolen during a football game in 2018, included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both Experian and XXXX requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXX XXXX XXXX AND XXXX XXXX. Credit Inquiries include XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX XXXX Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.

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 2024-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My wife and I submitted an application through Navy Federal credit Union for a home loan. We sign documents for a 20 year loan at an interest rate around 12.85 % APR. We also submitted the request to proceed. However, I received a phone call from our loan officer XXXX XXXX, advising that we were not approved. I asked why, if we already signed E signed documents, given us the rates in terms, and she advised per our guidelines. When I requested what the guidelines were or any more detailed information, she was very vague. I asked to speak to her supervisor. Her supervisor never contacted me back. Had a XXXX contact me and stated because of our XXXX score after I requested to speak to Supervisor, the supervisor also stated to XXXX that they can submit for an exception to be reviewed and we will get a response back which we were denied again. I felt like it. This whole process was misleading since we were signing you signing documents with rates in terms my regular process was never signed any documentation I had to I knew that we were approved very misleading

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 and still noticed Equifax is Reporting Inaccurate Personal Information. I sent a letter on XXXX. I am telling them to update and delete my incorrect personal information.

Company response to consumer: Closed with non-monetary relief