vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I called navy federal collections agency and asked for a 1099-c form they refused to give it to me. They are still reporting the credit card on my credit report and its been closed since XXXX. I would like for you to investigate this or if you can eliminate this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
On XXXX XXXX, Online I logged into my Equifax account to review my credit file. The report date shown by Equifax was XX/XX/XXXX. As I am reviewing my credit file listed under " Installments Accounts '' Equifax is reporting XXXX negative closed accounts. The First  account is XXXX XXXX which has been reporting for more than the legally required XXXX years on Equifax credit file since XXXX of XXXX, Again, listed on my credit file under " Installment Accounts '' Equifax is reporting XXXX duplicate closed loan accounts with no account numbers from XXXX XXXX and all are negative and closed also the date openings listed are a month apart for XXXX XXXX. What loan company will let a consumer default on XXXX loans? 

Finally again, listed on my credit file under " Installment Accounts '' Equifax is reporting XXXX duplicate closed loan accounts from XXXX XXXX and all are negative and closed also the date opening listed is a month apart for World Finance. What loan company will let a borrower default on XXXX loans? After a borrower defaults on the first loan, no finance company in the U.S. will allow you to take out a second loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: MA

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
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 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I had two unauthorized transactions through Chase website. It was sent to XXXX two individuals, I have no idea who, a largely suspicious amount of {$500.00} in total. Sent by two transactions of {$150.00} to an unfamiliar XXXX named " XXXX '' and XXXX {$200.00} transaction sent to another person who's name I also never heard of under " XXXX ''. I found out the as I got on my computer and I wasn't able to log in anymore and took action with Chase as soon as I could of. They were all helpful and kind as we are beginning with a claim. I thought I've been a trusted XXXX  client for a good years now that this problem would of been resolved, aswell only asking for the money back didn't seemed to me to be an issue from a trillion business, especially, considering that myself a low-income XXXX  XXXX  just started XXXX XXXX in desperate need to meet all the new supply demand for my XXXX requirements. After banking with also a few diffrent bank companies and never experience the way Chase responded to me after giving me a temporary refund, I thought the claim would be resolved and the acceptable solution was that I was just going to get my money that was stolen from my unsupervised laptop. However after ensuring everything was going to be fine they send me a mail two days ago reclaiming the refund back and that I even have to pay it back because they didn't accept my claim. Of course they leave me in debt the day I have to purchase a {$200.00} supply kit for college but I called and the rude Chase Faud agent tells me that everything I went through was pointless because I wouldn't have never been able to get my money back since they claim " it's too difficult to determine the type of activity through XXXX! '' I'm baffled with the fact my claim, my long hours of waiting for my phone calls to get answered, and saving up isn't enough to prove that an unauthorized someone sent people money and I noticed, I'm sure they would of kept sending more if I wasn't with limited funds besides that I just know they had gotten through from my computer because it's only the place that has my whole bank account always open and that day I had left it unattended because I was running late to the doctor. The agent kept telling me there was nothing I can do because they wouldn't do anything more unless proper proof when I am claiming this misdemeanor happened thatI have no idea of. It was unjust to them to be stubborn with my money that I've earned from XXXX and to tell me to even pay back the refund, my Chase account is overdraft now, I even went in person and it seems that the only company I relied on wasn't able to aid me in such rational solution, just getting back my money so I can afford my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-05 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: CO

Complaint narrative:
I have reviewed Account Number XXXX, managed by XXXX XXXX  on my Consumer Report with Experian. My findings have determined that there are definitive violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ). These violations are as follows : 1. **Inaccurate Date of Account Opening ( Definite Violation of FCRA 1681s-2 ( a ) ) : ** The account opening date is listed as XX/XX/XXXX. This is factually incorrect, violating FCRA 1681s-2 ( a ), which requires furnishers of information to report accurate data. Inaccurate opening dates directly affect credit scoring and the duration of the account 's appearance on the credit report. 

2. **Missing Original Balance ( Clear Violation of FCRA 1681s-2 ( a ) ) : ** The report fails to display the 'Original balance '. This omission contravenes FCRA 1681s-2 ( a ), which mandates the reporting of complete and accurate information. The absence of such crucial data misrepresents the debt 's nature and extent. 

3. **Unlawful Debt Re-aging ( Violation of FCRA 1681c ) : ** The 'Date opened ' and the record until XX/XX/XXXX suggest an illegal re-aging of the debt. This practice, which alters the date to make the debt appear newer, breaches FCRA 1681c that governs the permissible reporting periods for negative information.

4. **Misleading Payment History ( Violation of FCRA 1681e ( b ) ) : ** The payment history, marked inconsistently with 'C ' ( Collection ) and 'ND ' ( No Data ), is misleading. This violates FCRA 1681e ( b ), requiring credit reporting agencies to maintain accurate and clear information. Such irregularities in reporting can lead to misinterpretation of the account status. 

These factual violations not only infringe on the FCRA 's guidelines for accurate and fair reporting but also misrepresent the consumer 's financial standing. The consumer is entitled to dispute these inaccuracies, demanding an immediate investigation and rectification, including the correction or removal of any incorrect information. Persisting inaccuracies, despite these disputes, could lead to legal repercussions against the responsible reporting entities.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank did not honor cash back offers. To encourage customers to use their credit card they offer additional cash back at various merchants. On three occassions I activated and completed the deal but recieved only parital cash back or nothing at all. For example 10 % cash back up to {$120.00} was offered at XXXX ; I spent {$130.00} but US Bank only gave me cash back on {$30.00} of it. I would have spent much less if I'd known they were going to do that. Two other deals I got nothing back. Since they were for food, there was no way to undo the purchase. US Bank has no way to dispute not receiving a cash back deal, you are just out of luck. Customer Service says they have no control over it.

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 2024-01-05 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I have contacted them via support portal on their website Ive also called them and asked them to stop calling because they were calling before XXXX XXXX  and they were calling me every 15 minutes every day including holidays The people that Ive spoke with on the phone have been told to stop calling and they still call and theyre also using abusive and profanity on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXXXXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! 

I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. 
Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.

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 2024-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Financed XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX dealership. Finance company Santander Consumer USA. This finance company repossessed the car in XXXX after I had made 3 payments in one month. I went hungry trying to make these payments and they still took it. Even though I expressed to them that the car had major issues in which I had to pay repair after repair. I also have the proof of this. I also have statements showing they were adding unknown fees every month for hundreds of dollars for unknown reasons. After struggling to pay repossession fees they gave me the vehicle back and after driving it 5 min it left me stranded in the middle of a busy intersection in which I almost got killed. The emergency lights were not functioning. They did not assist with this either. This company still shows on my credit report making a huge impact the past 6 years to where I cant get any loan anywhere. This has ruined by life immensely. I havent had the chance to better my finances or my life due to the impact this car made to my credit. It has taken a toll to health and the chances of having a decent future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. 
Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.

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 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The lack of response and resolution has had severe consequences on my ability to access fair credit terms and pursue my financial goals. This lack of progress is not only frustrating but also constitutes a violation of my rights under the Fair Credit Reporting Act. Moreover, it appears that some of my requests for information updates have been outright ignored. However, there has been no response or action taken on your end to address these concerns. 
XXXX XXXXXXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXX PLEASE UPDATE!!!. 

I demand immediate action to rectify this situation. Specifically, I expect your agency to : Conduct a comprehensive and diligent investigation into the inaccuracies I have previously reported. 
Remove any inaccurate information from my credit report promptly. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The lack of response and resolution has had severe consequences on my ability to access fair credit terms and pursue my financial goals. This lack of progress is not only frustrating but also constitutes a violation of my rights under the Fair Credit Reporting Act. Moreover, it appears that some of my requests for information updates have been outright ignored. However, there has been no response or action taken on your end to address these concerns. 
XXXX XXXX XXXXPLEASE UPDATE!!! 
XXXX XXXX XXXX PLEASE UPDATE!!!. 

I demand immediate action to rectify this situation. Specifically, I expect your agency to : Conduct a comprehensive and diligent investigation into the inaccuracies I have previously reported. 
Remove any inaccurate information from my credit report promptly. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account was frozen with no warning, cause or reason. I have recently been attempting to inquire the reason for this closure and they explain it was as a result of an attempted forgery. I reported the identity theft to them and they will not allow me to open another account, this is the bank that i conduct most my operations with and would like the option to reopen a relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Please see attached credit reports that show XXXXXXXX On every report everything changes for the worst and now I face eviction because the furnisher keeps violating FCRA AND WILLFULLY trying to harm me. Please help me understand how this furnisher from XXXX CONTINUES TO KNOWINGLY CHANGE DATA AFTER EVERYTHING WAS CORRECTED. please see attached documents specifically the XX/XX/XXXX XXXX credit report... Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MT

Complaint narrative:
I've called several times as to a copy of the original document with my signature on it. This should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called to ask why account under review I always make my payments but recently transferred my balance & they wouldnt tell me what credit score is required to maintain wouldnt even confirm thats the reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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