vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: IL

Complaint narrative:
XXXX Experian and XXXX are reporting that I have a 3 late payments when I have not been late on any credit card payements its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items my be deleted from my report as soon as possible

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has literally made it impossible to freeze my credit. I got a notification that my XXXX appeared on the dark web and have been rushing to freeze it. It has been easy to do this at all of the bureaus, except Experian. I made an online account with them, but their " freeze '' button literally doesn't work. I have been trying to get on the phone with someone for the last XXXX hours, and it keeps saying that the expected wait time is XXXX minutes but they keep me waiting indefinitely. I am still on hold. This is incredibly unethical and violates my rights as a consumer. 

If someone falsely opens a credit card under my name and XXXX because Experian refuses to help consumers, I hope they will be held liable.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I got a membership with Experian XXXX. They were supposed to use my paid on time utility bills and other bills to improve my credit score. When I loaded the bills, my credit score dropped significantly despite every bill being paid on time for the last 10 years. I tried to call, suddenly all the bills dropped off and I could not get them back. The person I got told me to unload the account and reload it, I did, the bills returned but dropped again. I tried to call again and could not get through to anyone, just a computer that was giving me the same lines that the person did and referring me to a Q & A. None of this is helpful and I have posted these questions to XXXX and gotten no response from them. What is the use of this service if it just messes things up. My credit didn't need to be dropped lower than it was. I am trying to rebuild it. This is just ridiculous and I don't know what is going on but it worries me that these people have full access to my credit information.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
I, XXXX XXXX XXXX on or about XXXX, 2024 I applied for credit with Continental Finance and was Issued 2 Credit Card 's on XX/XX/year> Revel & Surge for a Total Credit Line of {$500.00} each. I then attempted to remain in honor by tendering payment for {$130.00} via an Ambiguous Negotiable Instrument in the form of a paid U.S. Postal Money Order ; which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Postal Money Order Serial Number 's XXXX and XXXX was made with the proper clauses and provision based on banking law in the amount of {$130.00} in accordance with HJR-192 ( The XXXX XXXX Act/Emergency Banking Act ), Public Law 72-10, U.C.C 3-603 ( b ), U.C.C . 3-311 and Public Law for Negotiable Instruments to Continental Finance ( XXXX ) on XX/XX/year>. 
They dishonored my instrument and did not credit my account correctly. Instead, they refused to stand in honor of the law by applying proper payment. They credited the account 's for {$45.00} each instead of the tendered negotiable amount of {$130.00}. Even with the agreeing that they do accept legal tender, which is what I provided ; and even with the ability for the instrument to remain negotiable which is an even greater benefit for them. 
I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

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 2024-07-30 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: NY

Complaint narrative:
To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX Creditor : XXXX Balance : {$700.00} I sent a debt validation letter to XXXX on XX/XX/year> via certified mail ( XXXX ). In this letter, I requested proof of the debt they claim I owe. As of today, XX/XX/year>, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since XXXX has failed to do so, I am requesting that this item be removed from my credit report immediately.

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 2024-07-30 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: FL

Complaint narrative:
I Recently disputed inaccurate accounts reporting on my credit report listed below on XX/XX/year>. 
I received a response stating that the accounts were verified on XX/XX/year>. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information sent to the original creditor and all responses received to ensure a proper investigation of my dispute

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Received an email XX/XX/year> that a fee of {$1.00} to receive a paper statement beginning in XXXX, XXXX  I do not recall receiving a change of terms notice that this fee would be assessed. I verified on my XX/XX/year> statement, dated XX/XX/year> that there was no change of terms notice. Attempted to interact with Live Agent on chat on XX/XX/year>. No copy of notice was offered. There were no options to continue to receive paper statements at no fee. Decided to close account rather than incur monthly fee for paper statement. Reg Z, 1026.7, requires that a creditor provide a statement. There is no options for charging an account holder a fee to receive that statement. Also, 1026.5 ( b ) ( 2 ) ( i ) requires that a statement be mailed.

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 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX Creditor : Midland Credit Management , Inc . 
Balance : {$890.00} I sent a debt validation letter to your company on XX/XX/year> via certified mail ( XXXX ). In this letter, I requested proof of the debt you claim I owe. As of today, XX/XX/year>, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since you have failed to do so, I am requesting that this item be removed from my credit report and any other credit reporting agencies that you report to immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX  XXXX Reported to XXXX with an account number of XXXX and also reporting to XXXX as a charge off with payment history and through Transunion with no two year payment history reported at all. These accounts are incomplet and inaccurate.

I mailed out a letter to each of the previously mentioned companies on XX/XX/year>. Its been over 35 days with no response and according to 15USC 1681 i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer or 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 non-monetary relief
Consumer complaint received 2024-07-30 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: CA

Complaint narrative:
I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXXXXXX XXXX XXXXXXXX Reported to XXXX with an account number of XXXX and also reporting to Experian as a charge off with payment history and through XXXX with no XXXX year payment history reported at all. These accounts are incomplet and inaccurate. 

I mailed out a letter to each of the previously mentioned companies on XX/XX/2024. Its been over 35 days with no response and according to 15USC 1681 i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer or 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 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank Teller, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL branch begun working at this location XXXX He verbally admitted that he used my SSN to access an old account I had under TD Bank that I was unaware of. He stated that I had a balance of $ XXXX. At NO POINT did I give him access to my SSN or give him permission to access any accounts under my name. I have never stepped foot inside this branch or any other TD Bank locations in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX area. I officially made a complaint on XX/XX/XXXX and received no resolve. As of XX/XX/XXXX he is still employed at this location and bragging about being promoted up to manager soon. When I contacted Ethics and Compliance, XXXX XXXX was able to confirm that I had an old account opened in XXXX back in XXXX and that the only way it could be accessed at the branch level would be via debit card or SSN. A bank teller illegally looking into consumers banking information should be terminated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I co-signed for my son to attend XXXX in XXXX received his XXXX XXXX and wanted to continue his education, a situation developed where he was unable to continue, he did not use or receive any funding nor myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
Date : XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
It has been brought to my attention that Midland never received a bill of sale for debt they sued for. I inquired this information because another debt collector tried to collect the same debt. 
Amount paid doesn't included wage garnishment from multiply employers. 
Midland obtained a new judgement without proper notification in writing, court house told me they have not had anything filed against me since XXXX new order, levy is from XXXX. 
Not willing to work agreement, per letter from earlier this year. Threatenings, rude, illegal practices all the way around Still have not received written notification of bank garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a new checking and savings account on XX/XX/XXXX with capital one. At that time, I funded the account with a transfer from my XXXX savings account. I went through the procedures to verify the XXXX account. This included capital one making XXXX small deposits ( {$.00} and {$.00} ) into my XXXX account and then me reporting the exact amounts to show my access was legitimate. The account was verified on XX/XX/XXXX. The procedures for this were clear at the opening and when I linked my XXXX acct to capital one. Capital one disclosed that it would take a few days for the deposit to appear. However, I was contacted on XX/XX/XXXX that my XXXX funds would be held for XXXX  days now! The customer service rep said it was because XXXX is not a real bank. The funds have left my XXXX account and are not going to be available for withdraw from capital one until about XX/XX/XXXX. I intended to use these funds to pay my mortgage! My mortgage is due by XX/XX/XXXX. This severely impacts me.

Company response to consumer: Closed with non-monetary relief