vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: MD

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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
MY SOCIAL AND MY ID WERE STOLEN, THERE IS INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME PLEASE HELP THESE ITEMS DO NOT BELONG TO ME INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - NOT MINE NEVER HAD THIS ACCOUNT - THERES NO AGREEMENT OF ME AND XXXX  THIS IS IDENTITY THEFT - XXXX [ CRD - XXXX - NOT MINE NEVER MINE THERE IS ANOTHER PERSONS NAME ON THIS ACCOUNT PLEASE HELP THIS IS WRONG - XXXX  - XXXX - NOT MINE NEVER MINE - REMOVE THIS ALL MY INFORMATION WAS LOST - THIS IS WRONG THEFT REPORT ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I booked a flight from XXXX XXXX to XXXX round trip on Capital One Travel ( their travel portal ) using my Capital One Venture X Credit Card. This flight was listed as Fully Refundable with advance flight change allowed for free. I took a video going through all the details of the flights, including those points ( with green check marks next to them ), right through to clicking 'confirm and book ' and receiving my confirmation. The video runs about 2 mins and is 200mb so I can not upload it here but is available if you can give me another means to send it. About a week and a half later on XX/XX/year>, capital one travel offered a promotion for {$100.00} off a XXXX XXXX flight during the period in which I was planning to travel. So I booked a second ticket using the promotion as it saved me money. When I tried to cancel my original, more expensive booking, I was then told that my ticket was non refundable and not changeable. I told them that this was not the case and I have the video of making my booking to prove it. They denied my refund. I also got an email informing me that duplicate bookings were made, and if I did not cancel one, the newer one ( which was the cheaper one I wanted to keep ) would automatically be cancelled. So I had to cancel my original even as they didnt give me a refund or I would lose my promotion ticket that I wanted to keep. Capital one travel sold me a ticket that they listed as refundable, then refused to refund me when requested. Even today, on XX/XX/year>, a day after I made the cheaper replacement ticket booking, and 10 days after making the booking I cancelled, the exact same flight is still being listed for sale as fully refundable with changes allowed on their travel portal. In fact, all of their XXXX airlines flights available on that date was listed that way. Yet they won't refund me for my ticket. I even took a picture of a different flight as reference where it actually says changes not allowed specifically, to show how it comes up differently if it was actually supposed to be non-refundable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with JPMorgan Chase Bank , National Association after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
Im trying to clean up my credit from identity, theft, and inaccuracies and illegal use of my credit report, name. and other issues. Now I have to worry about a data breach from Experian! What is going on! I need my credit report finished as soon as possible with all the inaccuracies removed and late payments updated to paid in full never late. Hard and soft inquiries removed off my credit report because I didnt do them. The only address should be there is the address that I provided. The only phone number should be there is the phone number I provided. You guys are violating my rights. You guys are destroying my life! There should be no open accounts on my credit report. Remove them please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
This has been an ongoing issue since XXXX, involving a hospital visit from XXXX I believe. The amount was somewhere around {$1800.00} dollars. I paid the invoice sent by the hospital and never thought anything of it again. Then i started receiving calls in XXXX saying it was in collections. I sent the receipts and proof of payment to the first collection agency. Since then it has been removed from my credit report 3 times, with the most recent removal being in XX/XX/XXXX and it was labeled as a fraudulent account in the removal notes. Now I just received a call today from a new collection agency saying that they are going to be reporting the collections account again on my credit. I assume this is just going to keep going on forever with these vultures. Next year will be 7 years since the hospital visit in question anyways so i dont know how much longer this is going to keep going. I am absolutely not going to pay this again. I requested that the collection agency not contact me again and that i will possibly be seeking legal intervention if they contact me or reinsert this account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied to the Navient School Misconduct Discharge application. On XX/XX/year> my application was denied. I was provided a denial letter with a general response of why it was denied, no details of the denial were provided or a chance to resubmit more documentation. 

On XX/XX/year> I emailed XXXX XXXX XXXX requesting details on why my apposition was denied. I once again did not receive a satisfactory response to my inquiry it was a cookie cutter response. ( See attached ). 

In my case the school I attended has closed down and they were found guilty of misconduct. I sent A copy of a Department of Education public announcement of school misconduct related group discharge for students that attended certain for-profit schools. Which includes the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that -- -XXXX  -- Equifax , will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I open a saving and checking account with Chase Bank over 30 years ago. 
At the time of opening the account, there were no balance limited. Now chase is requesting me to keep a balance of XXXX into my savings account to avoid a XXXX fee. I keep explain to chase I need the XXXX to pay my bills and they don't see to care or understand that I am a loyal customer. 

I don't want to close the account because I will start saving again. I go to the bank and ask for chase not to charge the fee because I can not maintain a min balance of XXXX because I need it to pay my mortgage. 

Chase staff don't care, they invest these rules to keep customer from paying our bills. 

I have to pay my mortgage and all my other bills, when I am done, I don't have XXXX to keep in the account. This will be temp for only 1 year. I ask chase to not charge me the fee for 1 year and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: SC

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed an account on my credit report that I don't recognize and believe it could be due to identity theft or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NH

Complaint narrative:
I DISAGREE with the accounts listed below which STILL appear on my credit report for the THIRD time, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. Your report concerning me is harming me personally, emotionally, and financially, and causing me damage. I have asked you more than TWICE to VERIFY these inaccurate accounts and Equifax has failed to do so. 

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 In accordance with, The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also requested that you provide the names and business addresses of each individual with whom you VERIFIED the above so that I may follow up and you FAILED to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
Major student loan websites are not allowing borrowers enroll in autopay options to avoid having the 0.25 % reduction in interest fees. The website is fraudulent and calling customer service is unhelpful. Have attempted to enroll in autopay 4x times. Happening on a mass scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These bank mistakenly check my 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 explanation
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These bank mistakenly check my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: DE

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NJ

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

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

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

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