vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, came to my home selling XXXX XXXX XXXX. I informed XXXX I was not interested as I have no issues with my current XXXXXXXX XXXX XXXX told me I could compare both systems next to one another to give their system a fair comparison during a trial period. I accepted the trial period and told Tre I wanted all features that I have with XXXX to adequately compare systems. From day one, XXXX had given me issues starting with their technicians XXXX XXXX and XXXX XXXX. They removed much of my XXXX equipment, damaged some of that equipment, and caused damages to several of the walls in my home. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX complaining of my issues. On XX/XX/XXXX and XXXX, I called to cancel my account during my trial period, and XXXX XXXX told me they would extend my trial period since all equipment had not been installed by day 3 of my trial. When it was determined by their service technician XXXX on XXXX that XXXX 's equipment was not compatible with the electrical design of home, I called to cancel this day and supervisor XXXX tells me he will Cashapp me the money to pay for whatever repairs I needed to keep me with XXXX. XXXX assures me he will get in contact with XXXX to better understand what was not compatible. Of course, I never hear from XXXX again. On XX/XX/XXXX I call to cancel for good and supervisor XXXX tells me that I now must pay for the equipment through Citizens Pay because I am past the 3-day trial period. XXXX lied and used deceptive sale tactics to keep me past the trial period. XXXX XXXX and other XXXX employees made several promises just to keep with their company and they never accommodated my needs. Not only did I not use the {$1000.00} Buy-out money, but all accessible equipment has also been removed and uninstalled. However, their claims department tried to resolve my damaged equipment caused by XXXX XXXX but I no longer wanted to accept their lies, so I paid for the damages they caused to my home. XXXX is fully aware that their sales representatives use deceptive sales tactics, and will tell consumers anything to make a sale. XXXX takes no accountability for the lies their sales reps tells, and ignores consumer complaints even when they provide credible evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
I pulled the credit report from Experian on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which stated that old credit items from XXXX XXXX XXXX would be removed from my credit report on XX/XX/year> the information was not removed, and was re-aged to exist longer the information is currently on the credit report as of today, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureau is reporting false information, providing me with dates of deletion and failing to remove by the date as indicated on the credit report. 

see attached 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 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have never been late on my XXXX  loans. They have been deferred for numerous amount of years. Since dealing with XXXX  issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my XXXX  condition and financial condition be in the same for so long. 
Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.

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 2024-07-02 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: AZ

Complaint narrative:
I have never been late on my student loans. They have been deferred for numerous amount of years. Since dealing with health issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my medical condition and financial condition be in the same for so long. 
Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: AZ

Complaint narrative:
I have never been late on my student loans. They have been deferred for numerous amount of years. Since dealing with health issues and financial difficulties I always kept in touch and have always kept them either deferred, they have never been late 30 60 90 120 days they've never been late I always apply for the deferment months ahead especially with my medical condition and financial condition be in the same for so long. 
Every year for 20 years I've tried to get them to correct it and I don't have a record of conversations where I filled out deferrals because you do it over the phone and it's granted, so there's no way for me to prove that I had it or for them to prove that it was actually late and not deferred via phone.

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 2024-07-02 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: AZ

Complaint narrative:
On XX/XX/year> I requested EXPERIAN via Certified Mailing to REMOVE credit inquiries from my file as it is not beneficial NOR EQUITABLE in ANY way to be reporting on my PERSONs report. Although it is proof of a denial of my RIGHT TO CREDIT that I will definitely be utilizing in court setting, it serves NO BENEFICIAL NOR EQUITABLE USE tp be on the consumer report nor file.

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 2024-07-03 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: TX

Complaint narrative:
I have reached out to Experian several times in regards how my credit is being reported and they continue to ignore my requests. They have me late for XXXX XXXX, although I've advised them that the account was under deferment and the months that it was deferred should not reflect as late. I have also advised them that I do not have an account with XXXX XXXX XXXX and they have added that collection to my account without evidence of a contract. They are also allowing XXXX and XXXX to report me as late when in fact both accounts were in deferment for a divorce. 

They have also allowed charge off without proper documentation. I requested copies of the documents from XXXX XXXX XXXXXXXX and from Experian in which it was never provided. 

I have also asked to remove the employer on file as it has changed and they refuse to update my information. 

They have allowed 5 inquiries from the same company that pulled my credit, when instead it should only count as one. 

Experian is violating my rights under the Fair Credit Reporting Act and is allowing misuse of my credit by creditors without evidence.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC
State: MD

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ( late payment date - XX/XX/2021 ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is all the information required by Section 1637 ( b ) of Title 15.

You have 15 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I am writing to dispute the validity of a debt that has been reported by Consumer Adjustment Company to credit reporting agencies. I have no knowledge of any agreement or contract with your company and have never received communication regarding this alleged debt. 

According to my credit report dated XX/XX/year> Consumer Adjustment Company has reported a debt on XX/XX/year> without properly notifying me of its existence or providing me with an opportunity to dispute it. This failure to notify and provide dispute rights violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Consumer Adjustment Company has failed to : -Provide me with written notification of the debt 's existence before reporting it to credit reporting agencies. 
-Notify me of my right to dispute the debt within 30 days of receiving a collection notice, as required by the FDCPA. 
-Notify me at least 5 days before reporting the debt to credit reporting agencies, as required by the FDCPA. 

Furthermore, I wish to clarify that I have never entered into any agreement or contract with Consumer Adjustment Company, and I have no record of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I took a look at my credit report and seen things on my file that is inaccurate and is hurting me from getting a house for my family. I would like to get this inaccurate account investigated and deleted and please show proof of how you guy investigating the information. According to us code 1681 ( a ) and ( b ). Also 15 us code 1692 according to fair credit act. Please remove this information. According to 15 us code 1601 I would like for this information be remove. This is a fraud account pro collect and also XXXX XXXX  There is also inaccurate information from from the account XXXX XXXX XXXX XXXX XXXX I never live at this address 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 non-monetary relief
Consumer complaint received 2024-07-02 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: IL

Complaint narrative:
I took a look at my credit report and seen things on my file that is inaccurate and is hurting me from getting a house for my family. I would like to get this inaccurate account investigated and deleted and please show proof of how you guy investigating the information. According to us code 1681 ( a ) and ( b ). Also 15 us code 1692 according to fair credit act. Please remove this information. According to 15 us code 1601 I would like for this information be remove. This is a fraud account pro collect and also credit acceptance. There is also inaccurate information from from the account pro collect and credit acceptance. I never live at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This concerns dispute no. XXXX. 
This dispute was started on or about XX/XX/XXXX. It is for the amount of {$10.00}. 
The credit card co. requested that I provide information to it on that date. 
On XX/XX/XXXX the credit card co. closed the dispute because it did not receive a response. 
On or about XXXX of XXXX I requested to reopen the dispute and to provide the requested information. The dispute was reopened and I provided the requested information that the the credit card co. requested. See attachment 1. The nature of the dispute is that I had a validated parking ticket and the parking attendant, despite being given the validated parking ticket, failed to apply it and thus charged me. I noted in the letter sent to the credit card co. ( attachment 1 ) that I could not provide the validated ticket because I surrendered that to the merchant at the time of the transaction. However, I provided a receipt for the restaurant that I visited, the same restaurant that validated the parking ticket.

Despite receiving the requested information, which included ( 1 ) a selection of the nature of the dispute, ( 2 ) a confirmation of whether I attempted to resolve the dispute and detail about those efforts, and ( 3 ) additional information describing the event, the credit card co. sent me a response stating that the letter I provided to it " lacks all of the previously requested information. '' It is apparent that the the credit card co. has not reviewed the information provided because I did indeed provide 3 of the 4 items requested and as to the fourth I provided an explanation, as the credit card co. 's letter requests, as to if I can not provide certain documentation. 

I have attempted to have the credit card co. reopen the dispute but it is refusing to do so. I am demanding that it reopen the dispute and do a good faith review of the claim as it is required to do and that it acknowledge that the letter that I provided provides the information requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I used the atm at approx XXXX and I needed to make 2 transactional. First transaction was from my other debit card for {$100.00}. Second transaction was my CHASE DEBIT CARD for {$760.00}. The money never came out. I never received that money. I IMMEDIATELY called the bank and filed a claim. They issued a temp credit. Today XX/XX/year> I noticed CHASE has reversed the claim after I deposited {$980.00} today XXXX They REFUSE to look at camera footage. They are asking for documentation. I have no way to prove something I never had. I need my money back. I am a single mother and 2 months in a row CHASE has robbed me. After I am refunded my {$760.00} and {$980.00} want my account closed INDEFINITELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: SC

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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