vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

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 XXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
SUBJECT : Negligence of Disaster Assistance Offers for Existing Members To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) for their negligence in addressing my urgent requests for disaster assistance. Below are the details of my inquiries, which have gone unaddressed and neglected despite waiting the allotted turnaround time for a response : NFCU Inquiry IDs : XXXX XXXX XXXX XXXX ( Previous ) Summary of the Issue : On XX/XX/XXXX, I reached out to NFCU regarding their Special Assistance Programs available for existing members who are victims of Hurricane Beryl. Despite multiple inquiries, NFCU has failed to provide a response or any form of assistance. My specific requests included : Requests for Checking/Savings Accounts : Cancellation of Collections Accounts/Balances : Specifically, for the EveryDay Checking Account ending in XXXX with a negative balance of $ XXXX due to unresolved merchant overage charges. 
Reinstatement and Removal of Account Restriction on OOPS XXXX. 
Waiver/Refund of Monthly Service Charges for all active checking and savings accounts. 
Waiver/Refund of Returned Item Fees on EveryDay Checking - XXXX. 

Requests for Credit Card Accounts : NFCU Special Assistance Request ( XXXX ) for Manual Secured Card Graduation : The account has been open for XXXX months ( opened XX/XX/XXXX ) without graduation, despite a flawless payment history until a late payment occurred due to the disaster. 
Temporary Enrollment in Monthly Payment Waiver for the Credit Card Account ending in XXXX. 
Waive/Refund Late Fees incurred on XX/XX/XXXX. 
Adjustment/Correction for Payment History status reported to credit bureaus for a past due payment from XX/XX/XXXX. 

NFCUs lack of response to my disaster assistance inquiries is unethical and unacceptable, especially considering I am a victim of a FEMA-declared disaster. They have also ignored my previous inquiry from XXXX ( XXXX ) regarding another FEMA disaster . 

This negligence is causing significant financial strain. I urgently request a resolution to all my requests. 

Thank you for your attention. I look forward to your intervention to ensure NFCU provides the necessary assistance. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
XXXX consumer is reporting late payments to the credit agency which is a violation of my consumer rights under 15 U.S.C. 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX 5 LATE PAYMENTS Balance details 1 % paid off Balance {$48000.00} Balance updated XX/XX/2024 Original balance {$48000.00} please assist in rectifying the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
Santander consumer is reporting late payments to the credit agency which is a violation of my consumer rights under 15 U.S.C. 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details 1 % paid off Balance {$48000.00} Balance updated XX/XX/year> Original balance {$48000.00} please assist in rectifying the situation

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian and notified them dispute INCORRECT late payment ENTRIES on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I had asked them to investigate the following information and correct the inaccuracies at their earliest convenience as these account has never been late. 

Details of Disputed Accounts Entry : 1. XXXX XXXXXXXX XXXX Account Number : XXXX Date reported late : XX/XX/year> XXXX. XXXX XXXX XXXX  Account # XXXX Date reported late : XX/XX/year> I have reviewed my records and confirmed that this payment was made on time. I appreciate your PROMPT attention to this matter and look forward to your response within the XXXX-day period required by law.

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 2024-07-25 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 XXXX XXXX : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I used the CareCredit credit card, which is an affiliate of Synchrony bank. The original reason why I opened up this credit card was to pay or to help pay that bills and then I needed to use it a few years ago to deal with medical expenses, but I can not pay immediately out-of-pocket. Well I understand that theres a set interest rate for a certain amount of months that you agreed to pay it back and I could not pay it back in the amount of time that I had requested to have paid it back. This resulted in extreme interest rates being charged not only to previous charges, but XXXX charges post that. so for example, the first charge I had made on it, which I had agreed to pay back in amount of amounts was charged an extreme amount of interest, and then the second charge had me that I agreed to pay in a certain amount of months is also a charge of extreme interest. The point that at one time it was an interest rate of over {$2000.00} posted to my account. I understand interest charges are necessary for credit cards. I think it is absolutely horrendous of a credit card company thats supposed to help people pay medical bills to charge this much interest. Not only do I need to pay back the amount I charge but the interest rate that they charge me annually per month, which is around {$500.00} is now added onto buy the extra {$2000.00} they just charged. At this point I do not know how Im going to pay not only interest charges back but the original amount charged. Had I known this I wouldve never opened up this type of credit card. I wouldve found a credit card with XXXX interest rate and more substantial, attainable interest rate to pay after that interest rate of 0 % was up. I am just a XXXX XXXX  that makes an honest living but unfortunately due to health issues I can not pay back all I owed on my medical bills and thought this card was something that would help me. Unfortunately, its just add on about {$8000.00} more to what I had originally charged which is not helping me financially. I just find this very upsetting at a time where unfortunately I had no other choice but to charge medical expenses. Going forward I hope that people will think twice about using this type of credit card and hopefully I will be able to resolve something in order to pay back this amount of money owed.

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 2024-07-25 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: GA

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-07-25 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.

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 2024-07-25 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: MD

Complaint narrative:
XX/XX/2024 I asked that this issued be looked into with XXXX  XXXX on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
Subject : Dispute of Fraudulent Account on My Credit Report Due to Equifax Data Breach Dear Equifax, I am writing to formally dispute the presence of a fraudulent account currently reported on my credit report. This account was not opened by me and is the result of identity theft following the well-documented data breach at Equifax. 

The details of the fraudulent account are as follows : Creditor Name : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons : Inaccuracy : The account listed does not belong to me, and I have never had any dealings with this creditor. 
Identity Theft : This account was opened fraudulently using my personal information obtained through the Equifax data breach. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm a XXXX and a client gave me a check of XXXX and he called in to verify that he is the maker of the check and after the money cleared in my account chase decided to put a freeze my account with all money in it since they think that its fraud. Even if the maker is their client they say that they don't have a number to reach him. I even went with the maker to a chase bank but the teller at the bank said that since its the back office making the problems they cant do anything and now my account is locked for no reason I have venders and employees that I have to pay them and I don't have access to MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2024 I tried to Mobile deposit a check from my credit union for the amount of XXXX $ I called Chase bank about 4 days later and asked why they were still holding my funds. They told me they were closing my account but could not tell my why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

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