vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Company allowed ex husband to take out equity on the home without my approval. We are both on the deed and previous mortgage. I was not informed of this nor did I sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I contacted the U.S. Bankruptcy Court via telephone to inquire about their method of verification regarding information provided to credit reporting agencies. During the call, the court confirmed that they do not verify or communicate any information with credit furnishers or reporting agencies. On the same day, I also sent a letter to the court to document this inquiry. 

The inclusion of bankruptcy-related information on my credit report violates Rule 9037 of the Federal Rules of Bankruptcy Procedure, 15 U.S.C. 1681 under the Fair Credit Reporting Act ( FCRA ), and 15 U.S.C. 6802 under the Gramm-Leach-Bliley Act. These laws and regulations collectively require the protection of personal information, the accuracy of credit reporting, and proper handling of consumer data. The reporting agencies have failed to conduct a thorough and reasonable investigation, as required by the FCRA, to ensure the accuracy of the information reported. 

As the inaccuracies have been identified and can not be verified through proper channels, I am requesting that the inaccurate bankruptcy-related information be deleted from my credit report as a form of correction. Failure to address these violations will leave me no choice but to seek legal relief to enforce my rights under these laws and regulations. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX my checking account was fraud. That day I called the US Bank Fraud department and filed the claim. The fraud that was committed amounted in {$900.00} in an instant XXXX transfer made to a " XXXX XXXX '' not from my account, due to our computer being hacked. My mom and I had linked bank accounts because of student banking. From the information that the bank has shared about this issue they had said that the XXXX transfer was not even made from my own account. The money was transferred to her account and sent through her XXXX which she also had never enrolled in. On XX/XX/XXXX my claim was denied by US bank which I did not find out until the XXXX when I had called myself. I received no letter, no email, and no phone call. I had then requested the information as to why the claim was denied and they had told me they can not give me that information and to wait for the letter. That day I refiled the same claim. I was told I would receive a letter about the first claim soon because she had sent a request for them to send it to me again. Still have yet to receive this information and it is the XXXX. Throughout trying to figure this out both companies involved which are XXXX and US bank has been impossible. XXXX bank has told me multiple times that I need to contact XXXX and file a claim with them yet every single time I have tried they tell me to go to US Bank since they handle my account. So which one is it? I had filed another cfpb claim but through XXXX. No information has been provided to me as of today.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding an account reported by Navy Federal Credit Union that is appearing on my credit report. I am requesting the immediate removal of these accounts due to severe negligence in handling my account information and the lack of verification for its accuracy.

Here are the key issues that have led to this complaint : 1. **Negligence in Account Information** : I have noticed that the information associated with this account on my credit report is inaccurate and does not reflect my actual account status. Despite my efforts to resolve this directly with Navy Federal, they have failed to provide timely and accurate updates regarding the status of these accounts.

2. **Failure to Verify Account Information** : I have requested that Navy Federal verify the accuracy of the information reported to the credit bureaus, but I have not received a proper response or verification. I have attempted to contact them multiple times via phone and written communication, yet they have neglected to provide me with the required documentation or confirmation to prove the validity of these accounts. 
3. **Violation of Credit Reporting Laws** : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting, and Navy Federal has not provided sufficient proof or corrected the errors associated with these accounts. Their failure to act in a timely manner has caused undue harm to my credit score and financial well-being.

I respectfully request that the CFPB investigate this matter and assist in ensuring that Navy Federal takes immediate act
ion to remove this inaccurate account from my credit report. I have also included copies of the relevant documents, including communication with Navy Federal and my credit report showing the erroneous account.

I trust the CFPB will treat this complaint with urgency, and I look forward to your prompt assistance in resolving this matter. 

Thank you for your attention to this serious issue. Should you require any additional information or documentation, please feel free to contact me at the details listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CBC Companies, Inc.
State: AL

Complaint narrative:
Innovis is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt. Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( 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. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$340.00}.

Issue : I have not received a 1099-C form from this creditor for the cancelled debt. According to the IRS guidelines, a 1099-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address.

Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address. 

XXXX XXXX XXXX XXXX XXXXXXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$1300.00}. 
Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form.

Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No 1099-C form has been issued for the canceled debt, which violates IRS regulations .

Request : I request confirmation that a 1099-C form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required 1099-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the 1099-C form was issued for this debt or request that the creditor issue the form immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
All three Buereaus are reporting different number of accounts, open or closed, none of them are accurate. This must be corrected. 15 usc 1692. 15 usc 1681a, I have the right to dispute anything inaccurate. This has affected me a lot. I cant get a car or place to live, from the innacurate reporting. XXXX now says I dont have enough credit to be reported which is false XXXX and XXXX all have different amounts and accounts being reported as opens or closed. Some say open but are really closed. I also never received 1099a or 1099c forms from the companies. They charged off some accounts, which is a tax write off. They get paid and are still reporting fraud. Thank you. My names XXXX XXXX XXXX XX/XX/year>

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Our business checking account with Citibank was blocked and then closed our accont due to wire transfer fraud. Citibank has not provided us with any proof of fraud. Citibank is holding over {$210000.00}. We have called several times Citibank and visited the local branch, but no one can help us. We are a small business and without that money, we have to close our business. 

Please help us, we don't want our employees to lose their jobs just before the holidays. 

Business Checking Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Holder Name XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone Number : XXXX XXXX eMail Address : XXXX XXXX Number : 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 monetary relief
Consumer complaint received 2024-11-22 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: GA

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 2024-11-22 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: GA

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 explanation
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
I am disputing incorrect addresses listed on my credit report from Experian. Specifically, the addresses " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX are incorrect and should be removed from my report. I have no association with these addresses, and their inclusion is negatively impacting my credit profile. I request the immediate removal of these inaccuracies and a thorough review of my credit report to ensure it reflects only accurate and verifiable information. Please investigate and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am writing to seek your assistance in resolving an issue with Chime Financial regarding a referral bonus promised to me and my son. 

On XX/XX/year>, I created a Chime banking account after being referred by my son. Unfortunately, I was unaware that I should have used a referral link, and the app also did not alert me to this requirement prior to the initial account setup. Expecting to provide my sons information during the signup process, I noticed no option for this and promptly contacted Chimes customer service. 

During that call, I explained the situation and provided our details. I was assured by a representative that it was not an issue. They stated that my call and data was documented and that once both my son and I made the required deposits, the referral bonuses would be processed. Following this guidance, my son and I met the deposit requirements, and on XX/XX/year>, I called again to confirm. I was told the bonuses would be disbursed within a week. I relayed this information to my son. 

Three weeks later, when the bonuses were still unpaid, I contacted Chime again. A supervisor, identified only as XXXX, informed me that the previous representatives had given me incorrect information. He added that they would be punished for their mistakesa statement I found highly unprofessional. XXXX further stated that, since I had not used a referral link, neither my son nor I would receive the promised bonuses, despite the earlier assurances and the records of my calls. I sincerely hope that someone at a management level is able to review the phone call I had with this supervisor. 

This situation raises serious concerns about Chimes integrity and its handling of customer commitments. My son and I relied on the guidance provided by Chimes representatives when meeting the referral bonus requirements. Additionally, when I asked XXXX for the companys mailing address, he refused to provide it. When I then asked for the legal department 's contact information and mailing address, I was refused again. I find it unacceptable for a financial institution to deny customers access to such basic information. While I later found this data on the companys website, I question why I was refused this information in the first place. 

I request the FTCs assistance in compelling Chime to honor the referral bonuses they repeatedly assured us would be paid. Their handling of this matter has not only caused frustration but also undermined my confidence in their services. 

Thank you for your time and attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MI

Complaint narrative:
XXXX XXXX reported a late payment on my credit report Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given money lion permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I paid off my house in XXXX. In XXXX, I got a delinquency on my credit report. No one seems to know how I got it on there, and it looks like either retaliation or negligence for trying to solve another credit issue. 

The issue was first noticed in XX/XX/XXXX when I tried to buy a house and had the delinquency on my report from the date of sale, XXXX XX/XX/XXXX. I was trying to fix it, only to find that on my last credit report, the delinquency was ( re ) reported on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

The attached document, " email 1, '' shows that I was dealing with this issue as early as XX/XX/XXXX because it was discovered the first time. " XXXX XXXX XXXXXXXX '' shows the new reported dates of delinquency, and " Mr. Cooper Reply '' is from my previous complaint, which shows no reason for another report of delinquency in 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 2024-11-22 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This account has a XXXX balance and is reporting as a charge off account. This account was bought by third-party collection agency and theres no more relevant. Please remove now. 
Ollo account number : XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given Ollo permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.

Company response to consumer: Closed with explanation