vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed the account XXXX XXXX account numerous times on my consumer report Experian. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. Experian has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. Experian did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion. 

From XX/XX/XXXXXXXX XXXX XXXX Experian has allowed XXXX XXXX to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account. 

This account has been updated only with a balance update! 
Below are the updates I've received with only a balance updated date. 

" Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights. 
I am aware that a consumer reporting agency can not furnish inaccurate information. 
I do not believe my disputes have been handled in compliance with the law. 

I request deletion or method of verification of how this account was verified.

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 2023-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
At XXXX checked my email, received emails from capital one saying I was approved for a Platinum credit card for the amount of {$500.00} and 30 % interest. Another email from capital one saying I had a change on my credit report. I had previously had an account with Capital one, that has been closed for years now. Capital one sends emails when anything on my credit changes. I also had an email from XXXX saying there has been a hard inquiry to my credit. I called capital one and was transferred to the fraud department. Verified information with the representative and she said everything was correct except my phone number. She said she couldnt disclose what phone number was used. She let me know they will do an investigation to see if the inquiry was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-10 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: PA

Complaint narrative:
Due to identity theft, I request the removal of this fraudulent inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both Exquifax and XXXX are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The purchase of a new vehicle.. they were supposed to be soft inquiries to lenders and they came in as hard inquiries...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
I've attached the required documentation to validate my XXXX. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: NC

Complaint narrative:
This is XXXX XXXX with a dispute for consumer reporting agencies- TransUnion, XXXX XXXX XXXX. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have disputed the account Portfolio Recovery account numerous times on my consumer report XXXX. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. XXXX has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. XXXX did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion. 

From XX/XX/XXXX until today XXXX has allowed Portfolio Recovery to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account. 

This account has been updated only with a balance update! 
Below are the updates I've received with only a balance updated date. 

" Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights. 
I am aware that a consumer reporting agency can not furnish inaccurate information. 
I do not believe my disputes have been handled in compliance with the law. 

I request deletion or method of verification of how this account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XXXX  I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 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: PA

Complaint narrative:
Please remove this account from my credit report as it is not associated 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 explanation
Consumer complaint received 2023-11-10 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: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: PA

Complaint narrative:
Please remove this account from my credit report as it is not associated 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account still open account paid off paid in full never late account good status needs to be updated with all CRAs. 
PERFECT PAYMENT HISTORY NO LATE PAYMENTS PAID CURRENT STATUS OPEN CURRENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-10 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: KY

Complaint narrative:
After credit denial from application on XX/XX/2023, I emailed Westlake Financial to have them return my original application or release access to my credit with mention of the Equal Credit Opportunity. The email response was that they " Disagree with my interpretation of the statue ''. Next, I emailed them back ( Title VII Equal Credit Opportunity 502 findings and purpose, Title VII Equal Credit Opportunity 702 definitions ( d ), ( e ), and ( f ), also 15 USC 1602 definitions and rules of construction ( g ), and ( l ), also The Federal Reserve Act Section 16 Note issues- 1. and 2., also The Federal Reserve Act Section 1 short title and definitions- 1., 2., and 3., I emailed them a Notice of Claim to Interest as the Agent for the Principal. They responded only that my ticket had been closed. Then, on XX/XX/2023 I sent a Certified mailing ( return receipt ) to one XXXX XXXX, CFO Westlake Finacial with the same Notice as " Default Judgement for Nonperformance '' along with a copy of the original application and copies of all the emails mentioned. As of XX/XX/2023 @ XXXX XXXX I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both XXXX and TransUnion are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.

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 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
My car loan payment is XXXX XXXXXXXX. I scheduled three payments on their website. Payments for XX/XX/2023, XX/XX/XXXX and XX/XX/XXXX. The bank took all three payments at once on XX/XX/XXXX. I have called the bank three times to ask them to return the XXXX and XXXX payments. They requested a screenshot of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I sent them that information. A week later, I called again and they said they did not receive that information ( although it was in my email as sent ). So, I sent it again. I still have not received a refund of the overpayment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WA

Complaint narrative:
Hello, I paid off my student loans in full prior to edfinancial transferring to a new website. The old website reflected that all of my payments were complete and loan balances were XXXX. Now on the new website, I'm showing a balance of {$7500.00} and they have lost all of the information on the payments I have previously made. 

On XXXX all of the loans were somehow showing that no payment was required until XXXX  but they still had the outstanding balance. I reached out to them on XXXX  to let them know the error and on XXXX  the only response I received was a message on my account telling me that payments are now due next month. Instead of communicating with me the reason for the error, they expedited the timeline in which these payments are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called XXXX XXXX on XX/XX/202 I called XXXX XXXX XXXX on XX/XX/2023 to get my free monthly clean up and check up in accordance with my XXXX XXXX XXXX telephone call with XXXX XXXX. I spoke with XXXX and XXXX. XXXX advised that the " Warranty '' is not from XXXX XXXX. It is a scam. Because my XXXX and XXXX would not print from my XXXX XXXX printer. I was advised by a XXXX XXXX at XXXX that there was nothing wrong with my printer. He advised that my XXXX warranty is expiring -that I needed a new warranty. I paid XXXX {$540.00} for computer/printer/email/document security, unlimited technical support, monthly clean up, personal tech help, 2 years technical and software support. When I called XXXX on XX/XX/2023 for printer assistance I was advised by someone named XXXX at the legitimate XXXX that this was a scam. I reported the scam to Bank of America 's Fraud Department. on XX/XX/2023. Although Bank of America went through a process to attempt to recover my funds they were unsuccessful per their XX/XX/XXXX email to me. Therefore, I will not be receiving my scammed {$540.00} refund from Bank of America. I am therefore asking the Consumer Financial Protection Bureau for help in receiving my scammed funds.

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 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I called Equifax and spoke to representative XXXX her id # is XXXX regarding removing hars inquiries XXXX XXXX XXXXXXXX and XXXX XXXX. I didnt not authorize or had knowledge of these items on my credit report as well as collections XXXX XXXX and XXXX XXXX XXXX which had been removed from XXXX and XXXX XXXX Reports have been made previously and came back verified and remains and this is in violation of FCRA us code 1681B 1692 C and 1681 c and c-2. Numerous letters and complaints have been sent and no response or corporation has been given

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Used Navy Federal Credit Union 's ( NFCU ) Bill Pay ( AKA " Check Free '' ) to send a donation to my church on XXXX XXXX XXXX Bill Pay sent a {$480.00} check in US Mail to my church. The check was stolen from the Church 's mailbox. The check was altered and cashed. Church filed a police report. I have copy of the altered check. Filed Affidavit as NFCU provided. It has been eight months since this happened. I've communicated with NFCU Bill Pay over 100 times to no avail. I have not received my {$480.00} returned. All above is properly documented and available. 

In short, in every attempt to get answers from NFCU, I am asked to call them and am promised I will hear something soon. I never hear back. I wrote to the CEO of NFCU. To no avail. I filed complaint with FTC. 

After 8 months, as of today, XXXX, I received the exact same response to call NFCU and discuss. I've spent hours upon hours on the phone with NFCU and their Bill Pay/Check Free. I am not told what they are doing to help me. They won't tell me when or if I will have my money returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation