vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TransUnion Credit Reporting Agency, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( 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 tha
t 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. 



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 non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Experian Credit Reporting Agency, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1666b. They did not notify me 21 days before my payment date on any of the four accounts they reported late payments on.

15 U.S. Code 1666b - Timing of payments ( 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. 



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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i called Equifax about an inquiry on my credit report i didn't apply for credit with this company. They are unwilling to help me. the inquiry was from XXXX XXXX XX/XX/XXXX XXXX i want this deleted from my credit report because i didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have filed a FTC report because i found inaccurate accounts on my credit report and nobody is helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal continues to disclose ( communicate ) nonpublic personal information to a nonaffiliated third party. I have sent in a Cease and Desist in accordance with 15 U.S. Code 1692c - Communication in connection with debt collection The letter is dated XXXX XXXX XXXX, confirming that they received my Cease and Desist but as of today XXXX XXXX XXXX, they continue to communicate with the nonaffiliated third party ( credit reporting agencies ). 

Pursuant to 15 U.S. Code 1692a ( 2 ) - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

Since they are still communicating despite my cease and desist, they are in violation of 3 codes in counting. To include 15 U.S. Code 1681n - Civil liability for willful noncompliance.

I will be sending Navy Federal an invoice for each violation ( {$1000.00} each ) by USPS with a tracking number.

I have attached a copy of Navy Federal confirming that they received my Cease and Desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Navy Federal chooses not to honor their agreement, and a Breach of Contract occurs, I demand all payments returned and the account removed from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes Experian, XXXX and XXXX have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. 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 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I received offers from credit karma about Pre approvals of credit cards to build my credit, which I was not approved, thus causing my credit to drop due to the hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have filed a FTC report because i found inaccurate accounts on my credit report and nobody is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed a FTC report because i found inaccurate accounts on my credit report and nobody is helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The list down below has violated my federally protected consumer rights to privacy confidentiality under 15 USC act. 1681. 

XXXX last reported XXXX XXXX XXXX in amount of {$470.00}. 
XXXX XXXX XXXX XXXX and the amount of {$650.00} last report it was XXXX XXXX XXXX 
XXXX XXXX XXXX  account resolution services last reported the seventh XXXX at {$700.00}. 
XXXX XXXX XXXX XXXX last reported XX/XX/ in the amount of {$1000.00} Capital One Bank in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
File # XXXX and XXXX balance {$37.00}, {$480.00} I reached to to Central Portfolio Control Inc via phone and email at XXXX XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX ( both via email and by phone ). 

On the phone I asked to speak to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. This was the name listed on the letter which I recently recieved dated XX/XX/XXXX. However the person whom answered the phone refused to transfer the call and then proceeded to tell me that they did not have record of the information that I sent via email and CFPB which was my license, police and FTC report. Then he said that the client ( hospital ) denied my claim. Trying to understand how something was denied without all the facts and information, such as the current drivers license. 

The email that was sent to XXXX stated the following I am in receipt of your letter dated XX/XX/XXXX. File # XXXX and XXXX balance {$37.00}, {$480.00} The letter says if you believe that the amount set forth is not accurate, please send us documentation supporting your position but does not indicate where to send this information. 
License Copy Back.jpg License Copy.jpg I previously provided your agency with copies of the police report/FTC reporting XXXX and license via CFBP and email this email. But if not received, here is again. In addition, I will submit another complaint through the CFBP with this information. 

The documents you sent show a copy of my old drivers license ( taken when I was 16 ) which was lost and replaced in XXXX. The drivers license attached is the replacement which has a more current picture of me and what I would have looked like in XXXX. Attached you will find that license that replaced the lost license is dated XX/XX/XXXX, this date was before the service date of these charges. You should have all the information you need in order to submit a proper response to your client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter via Certified Mail to Experian in XX/XX/2022 disputing a Bank XXXX XXXX inquiry dated XX/XX/2022. I stated in the letter that there were multiple inquiries all within one day of each other on my credit report but I only authorized one inquiry from XXXX XXXX. I requested that Experian remove the unauthorized XXXX XXXX XXXX inquiry immediately and Experian reported back that it was authorized. 

I responded to their letter by mailing another letter via Certified Mail in XX/XX/2022 requesting that Experian provide proof of their investigation and proof the lender was authorized to make the inquiry and Experian did not provide any proof of their investigation or delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX  First they called my mother. She told me they called when I got home today. Threatened that I would be served Monday if I didnt give them at least {$400.00} down and {$100.00} a month towards the debt. I dont have this amount of money. They then asked me to put it on a credit card or ask a family member for it. Its not on my credit report so I dont think I owe it anymore. They said my wages would be garnished at {$550.00} a check. I offered them {$30.00} a month which I can afford and they said its not enough. They said I owe {$3300.00} but will accept {$1300.00}. Said if we go to court it will be {$5200.00} after lawyer fees. The company was called XXXX XXXX and XXXX in XXXX XXXX, Ca. The debt is nearly XXXX XXXX XXXX and I didnt even owe {$500.00} initially. They also tried to get me to sign something over email. They said there was no statute of limitations on this debt too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX  ending in XXXX was loaded with {$500.00} at a XXXX XXXX store. The cashier seemed to make mistakes in the process and asked to swipe my payment card multiple times. Eventually the load was successful. 

However, when I tried to use my Serve Card that same afternoon it was declined at the register. I called Serve customer service and heard that my card had been locked. I was later told that the account would be closed because a reversed payment occurred which is against the terms. Since that day I have no access to the funds on my card or my online account. 

The customer service agent said on XX/XX/XXXX that my account had a balance of {$2500.00}. A check for those funds would be sent by mail within the next 14 business days. This has not happened. 

I can not access my online account anymore because it is closed. A Serve Email notification from XXXX stated the same account balance of {$2500.00}. An email message from XXXX inexplicably stated a lower balance of {$2000.00}. 

I sent a complaint to Serve Customer Care on XX/XX/XXXX to complain about their withholding my money, and their apparent attempt to defraud me. I have received no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX of 2022 I submitted a dispute for a service that never took place due to XXXX XXXX. I am over 180 days later and the issue has not been resolved. When yiu attempt to call customer service you are on hold for over XXXX minutes only to get disconnected or hung up on by an agent. I sent numerous emails and I just keep hearing this will take 90 days. We are over 180 days now and still nothing clear about what is happening. And I am getting very frustrated with getting clear answers.i believe this is happening because once I pay off the card they will no longer offer a refund. So they are prolonging it so that I don't receive a refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX around XXXXXXXX XXXX XXXX phone was stolen at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX. The phone included an XXXX XXXX XXXX credit card, M & T debit card ( x XXXX, joint account for XXXX and XXXX ). ATM pin was not enclosed with debit card and NY driver 's license. 

M & T was notified @ XXXX XX/XX/XXXX of fraudulent activity on XXXX 's debit account, 5 non-M & T ATM transactions, in total {$900.00} and 6 non-M & T inquiry ATM fees, in total {$19.00}. The overall amount was {$920.00}. M & T immediately provided a provisional credit of {$920.00}. M & T XXXX XXXX XXXX XXXX is an Investment Banking Analyst in XXXX. 

XXXX has never been able to take more than {$100.00} from a non-M & T ATM -- -how is this possible that these 5 non-M & T transactions for over {$900.00} were approved by M & T in one block of time?

The weekend ABs phone was stolen she consequently replaced her phone ( see attached replacement bill ), her NY license ( see attached replacement documentation ), M & T debit card & XXXX XXXX XXXX credit card ( see attached replacement documentation ). XXXX XXXX XXXX credit card already had XXXX fraudulent transactions totally about {$110.00} before the card was frozen. All deemed fraudulent by XXXX XXXX. 

Dated XX/XX/XXXX, M & T sent a letter saying, " after a review of your account and thorough investigation, we have determined that these transactions in question were processed correctly, and no error has occurred '' Therefore we are denying your claim, # XXXX ''. " The provisional credit was reversed on XX/XX/XXXX '' XXXX XXXX, XXXX called to request claim # XXXX be reopened ( contacted XXXX ) - XX/XX/XXXX contacted XXXX that we had additional documentation, and we were instructed to go to the nearest M & T Branch and fax the documents to request the claim # XXXX be reopened. That same day, M & T Branch ( XXXX XXXX XXXX XXXX, NY XXXX ) faxed to XXXX the following replacement documentation : XXXX XXXX XXXX XXXX replacement phone, XXXX XXXX XXXX credit card and New York drivers license. 

XX/XX/XXXX contacted XXXX contacted M & T for a status and NOTHING has been done to address our claim and no follow-up dates have been provided.

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 2023-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Starting in XXXX I received a letter stating that my loan was looking to be foreclosed due to missed payments I never missed any payments and I owed XXXX so I called the company which is bsi financial. They then stated they had 3 different documents with one stating I was completely current with my payments then another stating j was one payment behind and the last one stated I missed 4 payments finally getting everything taken care of they said it was stheir cashier department that said I missed 2 payments in one month and they fixed my account but where still stating I was a month behind and now a similar problem is happening where they're stating I haven't paid them since XXXX which I have and I'm a 106 days over due but this time when I called they said they're holding my loan payment and if I tried to make another payment it would also be held and when I asked why they said I don't know I'm just customer support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2023 XXXX for a JP Morgan Chase credit card account. 
I called the company to report the incorrect inquiry. I informed the company that I had a fraud alert on my credit, and that I should have received a phone call for any credit inquiries. I also reported the fraud to XXXX, and put a freeze on my credit file, and renewed my existing fraud alert.

Company response to consumer: Closed with non-monetary relief