vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$690.00}

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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In accordance with the fair credit reporting act convergent account names Wells Fargo Has violated my rights XXXX USC XXXX Section XXXX States I have the right to privacy. XXXX USC XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written permission instructions. XXXX USC XXXX Section : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to. I will be placing complaints with the CFPB, the Attorney General, and the XXXX  major Consumer Reporting Agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
A notice of dispute letter was mailed out and delivered to EXPERIAN INFORMATION SOLUTIONS on XX/XX/2024. Since the notice of dispute letter has been delivered, I had been waiting on a list of inaccurate accounts in that notice of dispute letter to be disputing. Tonight marks the 30th day that I had been waiting and yet I still have not received been notified of any accounts going into dispute. I have checked for the status of the reinvestigation with the inaccurate accounts in question, but not one account has gone into dispute. EXPERIAN INFORMATION SOLUTIONS has allowed 30 days to go by without acknowledging my dispute letter. The letter was organically by me. I've provided all the appropriate documents, but yet no response concerning the matter. Per the Fair Credit Reporting Act 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. My dispute has not been addressed at all. Per 15 USC 1681i ( 4 ) Consideration of consumer information - In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed 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 explanation
Consumer complaint received 2024-02-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt.

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 2024-02-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX notified me that I had a new inquiry on my credit from XXXX on XX/XX/2024. I called XXXX ( as I have not account with them ) and they confirmed the credit inquiry ( through Experian ) and located the fradulent account. They could not validate next steps. I have a XXXX temporary flag on my credit report and do not understand how Experian allowed this inquiry without confirming my identity with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNCOAST CREDIT UNION
State: KY

Complaint narrative:
These items do not belong to me XXXX has reported the inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Self Financial Inc.
State: SD

Complaint narrative:
This account was opened without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I submitted a cashier 's check for {$16000.00}, made payable to Santander Consumer USA to be applied as a full payout for my vehicle ( XXXX XXXX XXXX XXXX  ) which was financed by the above-mentioned company. This company has promised over and over again that the title of the vehicle will be sent to me, but to no avail. Each time I contact the company, I have received a different story, and/or no replies to my emails. I have documented proof via email communications that can prove all of the items in this complaint. This company is essentially retaining the title to my vehicle for no reason, as the vehicle has been completely paid off I sincerely hope that you can intervene and please help me. The various " resolution specialists '' at Santander Consumer USA have told me " I'm working on it ''. " I can't answer that question for you ''. " I will escalate your case. '' " That is not my department ''. " I am the only person that you can speak to. '' " We can not provide tracking information for you for anything that is sent via mail. '' " We will XXXX  your reimbursement check. '' The excuses go on, and on, and on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I sent a XXXX dollars to pay for a property, the shipment said it would be made within 24 hours at the latest, more than 60 hours have passed and I made a call to request information because the charge was made to my card but the recipient did not receive the money, in the app it appears processing the shipment but the operator has told me that the transaction appears as received and in its application it appears that it has not been sent, the problem is that the payment for the property has a specific date and They said they could resolve it in up to 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
This is regarding a Barclays Bank credit card. On XX/XX/2023 I made a charge of {$21.00} on this credit card that I rarely used. I made this small charge to keep the account active as I know some companies will reduce the credit limit or close inactive accounts. 

My account was set online for paperless, and I expected to receive statements via email. I did not receive any statements or late notices, so I did not know to pay the {$21.00} balance. I finally was made aware of this balance when I received an alert from XXXX. At that time I paid the balance in full immediately. At this point I searched my email folders ( In-box, Junk, Spam and Trash ) for Barclay Barclays and Barclaycard and found no statements. I also confirmed that my email address was correct at my online account. Again I received no late notices via email or postal mail. 

As a result of Barclays late payment reporting to all 3 credit bureaus my credit score dropped significantly. Attached is a FICO graph from Barclays that shows a drop of XXXX points within 2 months due to this late payment of a small balance of {$21.00}. I took pride in my high credit score of 800 + and I always pay my bills on time when I know about them. 

There was a failure in Barclays system as they didnt send me statements or late notices. This is considered negligence. The damage they caused to my credit score will cost me thousands of dollars in higher interest rates for new credit accounts and mortgages.

I wrote two letters to Barclays about this issue on XX/XX/2023 and XX/XX/2023 and their response was that their credit reporting was correct, however, they refused to respond to their negligence of not sending me statements or late notices.

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 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2024-02-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of urgency regarding fraudulent accounts associated with my identity XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I am writing to request your immediate assistance due to an urgent matter regarding my mortgage account with Flagstar Bank. My home is scheduled for foreclosure on Tuesday, XX/XX/year>. This situation has caused me great distress, and I am diligently seeking to rectify the issue in accordance with the obligations outlined in the Real Estate Settlement Procedures Act ( RESPA ) and the inherent rights bestowed upon me as a homeowner. 

Despite my attempt to resolve this matter with Flagstar Bank, the necessary steps to cancel the foreclosure have not been taken. Also, Flagstar Bank is proceeding with the foreclosure despite my approved assistance from the Michigan Homeowners Assistance Fund, which includes a payment of XXXX 

On XX/XX/year>, I submitted a Notice of Error Resolution to Flagstar Bank, highlighting discrepancies in my mortgage account. I have also applied for a Covid modification to alleviate the situation, but these efforts have not halted the foreclosure process. 

I have the utmost faith in Flagstar Bank 's commitment to their customers and trust in their willingness to rectify any oversight. However, without urgent intervention, I fear my rights as a homeowner and my attempts to rectify the situation may be overlooked.

Therefore, I kindly request the Consumer Financial Protection Bureau 's immediate intervention. I firmly believe that the impending foreclosure may result in unjust enrichment and is in violation of RESPA. I seek your immediate assistance in preventing the foreclosure of my home.

Thank you in advance for your prompt attention to this matter. I am eager to hear from you soon and am hopeful for a favorable resolution of saving my home.

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 2024-02-09 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
On XXXX I was on a website and started to get flashing alerts. One of the alerts I noticed my credit are information. I never approved or made any purchases. I immediately called my Credit card company and asked them to lock my card so that no purchased could be made. I had checked my card at that time and there was only one transaction on there for a Dr. visit I had fofr XXXX. A short time after I checked my card and there were transactions on there that were not authorised by me. I called the card company and explained what happened and they filed a dispute. I then received a letter that said I would still be charged for these transactions. This was because the representative I originally spoke to never put the hold or lock on my card as I requested. On XXXX I called them again and they did another dispute but still did not take responsiblity the it was thier fault for not locking my card. Since then I have made so many calls to try to resolve this problem. I hadn't heard anything for a while and I have been being harrassed by phone from a collection agency to whom I have talked to and explained the situation. I was told they were going to dispute the same and I still get no help. I have the names of the companies that charged my card and will be filing complaints for them as well. Now this collection company has put this on my credit report. The credit card should have taken responisility for this as they did not do what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX has violated my right, And lists of unauthorized 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-02-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation