vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am sitting here with five letters from different companies where my information has been used to try to apply for credit cards. This happens often from different companies and I am trying to call to let them know this is fraud. How do I stop this from happening and does anybody do anything about this, I have applied for identity theft, and everything that I can to stop this, but it continues. My scores have dropped because all these are being applied to my score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The charge was for XXXX on XX/XX/year> for crypto.com. I have used the XXXX XXXX before but never authorized for this amount. Navy federal credit union didnt contact me or send a message for fraud I never ever used this amount on any of my credit cards or debit cards they seem like they are not doing a proper fraud investigation. XXXX the company stated my account was compromised and they wont be able to give me a refund I need to dispute it with my bank for fraud thats what I did I havent had any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/year> I initiated a transfer of XXXX XXXX it stated that it would take between 5-7 business days. On XX/XX/year> I contacted customer service asking why the transaction had not yet gone through and they stated that it was an internal error. I asked if they could please process that transfer as soon as possible the representative told me I would have to request the transfer again. I stated what happens if it doesn't go through again am I to wait another 7 business days to hope it goes through? I asked to be contacted immediately once they found out why the initial transfer did not go through. The money is still in my account but I have not been contacted by anyone from the bank to explain why it would not be completed by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 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. XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 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. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by Hurricane Beyrl and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and Kohls have ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: FL

Complaint narrative:
i found a few accounts on my report i own businesses in XXXX states so iam always traveling my information been exposed and someone is using my information and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, these are the accounts : 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 XXXXXXXX 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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Someone called me from XXXX to report that I needed to pay my account for American Express. They wanted me to call them immediately and correct the problem. But I don't have an account and they repeatedly asked me for my address, Social Security number and phone number to verify my account. They verified that I don't have an account. But meanwhile, they now have my personal information and I believe this may be fraud because when I checked the American Express number, it is a different number. The number belongs to a XXXX XXXX. Please check to see if this is in fact fraudulent contact. Thank you. Just to reiterate, I don't have an account and never had one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies must ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am writing to file a complaint with Consumer financial Protection Bureau ( CFPB ) regarding a charge off account that remain on my credit report despite multiple attempts to correct the information. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S.C. 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial again. I have sent letters to the credit reporting agencies, I have also sent out letters to the creditor disputing the charge off account. Despite my efforts the charge off remain on my credit report, damaging my credit score with forethought and malice as a means of harming me and my financial reputation. 15 USC 1605 ( a ) 5. The insurance policy its built in the finance charge when the account went into default was there insurance collected on it. Im requesting your errors and omissions insurance number can u provide that for me. JPMCB - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is directly related to an open complaint with a company called XXXX XXXX that was filed on XX/XX/XXXX and last response from this company/ entity on XX/XX/XXXX as to Company is still working on your complaint. 

I had also filed a similar complaint with the XXXX  against XXXX on XX/XX/XXXX and received a correspondence from the BBB today as to an update. Attached is the XXXX  response as to after several attempts to contact this company, XXXX XXXX they have received no response back after these several attempts. The BBB gos on to further state that they understand that by this company ignoring me and this complaint is quite serious, they will report this on the companys public profile for the next three years and affect their negatively with the XXXX. 

Im sending this additional information to the original complaint to you on XX/XX/XXXX with that complaint # being XXXX against XXXX still has not XXXX back as well with the exception of XX/XX/XXXX as the company is still working on the complaint but as of today, XX/XX/XXXX has not responded to your agency under complaint # XXXX. Both the irresponsible behavior and none response to the XXXX  and ignoring me and that complaint but has also refused to respond to your complaint Ive just mentioned is unacceptable, unethical and is a serious concern of mine now as it involves my personal information and requesting information and a response as to their actions of running my credit information is extremely concerning. Im hoping with this new complaint along with an open complaint Ive mentioned that has not been, and adding this additional XXXX  information, your agency can take some of a more serious approach and action against this company/ entity.

Company response to consumer: Closed with explanation