vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: 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 non-monetary relief
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
Opened secured revolving credit account with XXXXXXXX XXXX in XX/XX/XXXX with {$500.00} deposit. Two monthly payments were returned by bank and both payments were resubmitted to cover entire outstanding balance immediately after being returned. Asked that XXXX close account in XX/XX/XXXX and return security deposit. I never received any deposit refund, XXXX kept the deposit and failed to report all my payments instead charging off account inaccurately and has reported this on my credit report with all XXXX  bureaus since XXXX negatively impacting my credit. Have disputed with no result besides any and all my payment history with XXXX being removed from my credit report and dates changed falsely reporting the wrong dates and account I can not access is showing as having an outstanding balance. Still no refund for deposit of {$500.00} and now my credit report states the card was with XXXX XXXX instead of XXXX XXXX. No resolution with company after numerous attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: NCD Financial, LLC
State: FL

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX  ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ XXXX XXXX ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ XXXX  XXXX XXXX XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : XXXX XXXX XXXX  ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have spoken to Navient customer service XXXX as well as their collection department XXXX. I spent over two hours today XX/XX/2024 and one specific woman who is supervisor XXXX XXXX when she heard my issue, she told me nothing she can do. 

one of the calls the person not talking but I could hear heavy breathing! 

about a month ago XX/XX/2024 I called Navient to have complete history of private student loan to be sent to my mailing address. I received the information and noticed many errors such as the loan amount initially distributed was different than what I am billed and accrued interest on it. 

Also, in my XXXX bill I noticed error too and company refused to correct or explain what they have to do to correct it. I was told by company rep that is computer error but not able to explain how the error happened and how to fix it. also, some fees and late fees I never noticed before now I see it in the history. 

I believe Navient is involve in deceptive practice. Intentionally they processed payments incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2024 Complainants Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX pa  XXXX Email : XXXX Phone Number : XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to file a formal complaint regarding a late payment that has been reported on my Nordstrom credit card account, which I believe to be inaccurate and unfair. I respectfully request your assistance in getting this late payment removed from my credit report. 

Issue : On XX/XX/2024, Nordstrom reported a late payment on my credit card account, which has adversely impacted my credit score. I am disputing this late payment for the following reasons : The payment was not taken out of my account but I have since paid off the card almost in full. I have reached out to Nordstrom 's customer service team on several occasions, but despite my efforts to resolve the matter amicably, they have not been willing to remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.

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 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom Mortgage Loss Draft handling company - XXXX  has possession of checks for about {$45000.00}. We need to endorse the checks and send them back the checks with additional documentation. They have the checks with them since XX/XX/year>. Multiple phone calls were made and finally they admitted to sitting on the checks and that they would overnight the checks to us for endorsement and then provide labels to return the same to them with documentation. They haven't done this either. Multiple emails have been sent with no response from them. Further calls to them are also dead-ends- with them asking us to call back in a " few days ''. 

XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$18000.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$4000.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$620.00} XX/XX/year> The insurance claim check has been deposited into your restricted escrow account. 
{$22000.00}

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
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 2024-09-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent inquiries and accounts which I do not recognize as reported and which are the result of identity theft and fraud. Specifically, these fraudulent accounts include : A Inquiry with XXXX XXXX XXXX XXXX, 2022 ( TransUnion ) A Inquiry with XXXX XXXX XXXX XXXX XXXX, 2022 ( 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: A&D Mortgage LLC
State: CA

Complaint narrative:
Interest Addendum to Note was all that was provided with no details of the formula pertaining to the amount specified on the Payoff Demand for Default Interest. 
I am questioning that this note was also not listed properly in the loan disclosure documents signed prior to the loan documents and would like A & D Mortgage to provide this signed disclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp.
State: MN

Complaint narrative:
I have a loan on my car that was started XX/XX/XXXX it was for a 7 year loan which would have been up on XX/XX/XXXX however i am now 8 years into the loan and they are stating i owe XXXX all of this is interest i am very frustrated because i have already paid the 74 payments that is a 72 payment loan and i really do not feel this is correct or fair when i call for them to explain why i still no one can all they state is this is a daily interest bearing loan which i find interesting so they will keep charging me and as of XXXX i will owe another XXXX i have read reviews and others are having the same issue i am. My loan was not originally with First investors they bough out my loan from another lender and ever since they have my balance doesn't move. I really don't feel i owe the remain amount as i have paid XXXX on a 17 % interest loan amount paid for car was 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 2024-09-09 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have requested multiple times the proof the accounts appearing in my report without me knowing.

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 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I explained that I DO NOT POSSESS, NOR HAVE I USED, A XXXX CREDIT CARD. I contacted XXXX who redirected me to Credit Corp Solutions. They do not answer calls or return emails. I called XXXX back, after several unsatisfactory attempts to Credit Corp. I am not sure what type of fraud is occurring, however, I have not authorized this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked for legitimate documents to prove the appearance of these items in the credit report.

Company response to consumer: Closed with non-monetary relief