vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: GA

Complaint narrative:
I excersiced my rights and made Experian aware of federal law title 15-usc-1681 A-2 Rules Of Exclusion It states reports containing information soley as to transactions or experiences between the consumer and the person making the report are to be excluded. 
They are repoting late payment, collections, remarks, and balances. I asked them to remove these from my report. They have updated the account, witnout removal of information. 
Experian is a third party I asked for A written statement from me for them to report my private information and they could not provide one. This is Identity Theft at its best by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent request letters to have my personal information corrected by Experian several times.

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 2023-12-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received multiple AMEX gift cards from my employer. I have successfully used the card twice and cant get it to work anywhere even though there is funds available on the card. 

These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

I have been unable to use the card twice and that is it. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/XXXX I refinanced my XXXX XXXX XXXX ( VIN XXXX through Navy Federal Credit Union with my wife as a cosigner. The loan number is XXXX and since the mileage was over the " New classification '' it was deemed to be a used car loan. The amount financed was {$65000.00}, at XXXX XXXX interest for XXXX months. I wrecked this vehicle on XX/XX/XXXX, it was totaled, and I contacted NFCU to get the GAP protection activated for the payoff discrepancy. It wasn't until this call that i discovered that the loan ending in XXXX was in fact on another vehicle. The other vehicle is a XXXXXXXX XXXX XXXX ( VIN XXXX ) and the loan number is XXXX opened on XX/XX/XXXX and is a new car loan. The amount financed was {$69000.00}, at XXXX XXXX interest and the term was XXXX  months. There are two loans with different terms, amounts, and periods on the XXXX XXXX. By NFCU 's own admission on a recorded telephonic call that occurred on XX/XX/XXXX at XXXX Central time. The customer service representative relayed to me from her supervisor that yes indeed NFCU made a mistake. With this information the representative then also said since I had signed the promissory note that the loan is valid and they would do nothing to rectify the situation. The NFCU Security Agreement states the following : " The owner ( s ) of the collateral warrant ( s ) that he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral ; and that as the owner ( s ), he/she has the right to make this agreement. If the collateral described on the front is to be purchased with the proceeds of this loan, Applicant warrants the proceeds will not be used for any other purpose. '' Their own rules and agreements are not being followed and I am now suffering great mental and physical stressors that are leaving me with a myriad of symptoms. I don't understand how this practice is legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( XXXX, Experian and XXXX ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of XXXX  days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on Experian : XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize please delete. XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize please delete. XXXX XXXX  XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize please 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 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I executed an ACH transaction from my saving account at Chase Bank to my checking account at XXXX XXXX XXXX XXXX in the amount of {$1800.00}. The wrong XXXX  Checking account number was entered. Funds were not transferred or reversed. Both banks claim the funds are not with them. See attachments for timeline and more details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commercial Trade, Inc.
State: NY

Complaint narrative:
A debt collection agency, Commercial Trade Inc, XXXX XXXX XXXX, XXXX CA, XXXX sent a letter addressed to my name but to my employers address. 

In addition to my name it also was addressed to the name of the agency I work for and a general location. As I work for a government agency employing thousands of people, the address was a general location ( not specifically addressed ) and all mail is screened for threats, etc the debt was disclosed to a number of people before it was delivered to me. Including my direct chain of command. 

This company has never attempted to contact me before and I do not know what this debt is. 

They should know better than to address a letter to a government agency. Not only that but by including just the agency name and a building the agency occupies ( XXXX of dozens ) there was no reasonable guarantee this letter would not be opened by anyone other than me. 

Also yo do this as a first ( and seemingly only ) attempt to contact me is ridiculous.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A company called Resurgent Debt Collector that I have never done business with ever. You have no right having a hold of my private information accordingly to 1974 privacy act I have a right to privacy. Please remove account immediately I owe nothing. Please provide me with a 1099c so I can report this on my taxes otherwise remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2022 was my first letter sent. I did requested an update of my Personal information on Credit report, update to my full legal name. 
the only SSN. My only correct date of birth and my Address. 
since that I had contacted them multiples times to correct my info with no success.

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I closed my account with Bank of America approximately XXXX  years ago. When I closed it I paid the balance due ... .twice unbeknownst to me at the time. approximately XXXX  months ago I received a statement from BOA indicating the credit balance. I called them and they acknowledged the credit balance and said a refund would be in the mail within XXXX business days. Those business days came and went. Shortly thereafter I called again and was assured that the refund would be processed and send to me immediately and I would receive it in the mail within XXXX business days. Those XXXX business days have come and gone. 

This is ludicrous. 

Thank you.

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 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had traded in the vehicle as a down payment. The trade was successful but I keep gettine letters from Wells Fargo stating audit issues with my account. During Covid I had to deal with medical issues concerning both of my parents. I applied for delayed payments and so on. Keep getting letters from Wells Fargo for which I could not really understand the issue at hand.

The final letters stated that during the Covid Pandamic incorrect information was colleted concerning my auto account and was released to the Credit Agencies. This information may have affected my trade and financing of my current vechile. 

I have been a client of Wells Fargo for many years and still plan to be in the near future. I hope this information shed some light on all the letters sent by Wells Fargo. 

Thank You for your time .....

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX XXXX  I have purchased a plane ticket with a Chase Ink credit card. The total amount was {$1000.00}. 
On XXXX XXXX that ticket was changed to one with a lower price and the amount of {$340.00} was supposed to be refunded or issued as a credit by the airline XXXX XXXX XXXX XXXX or the travel agency ( XXXX ). That refund was never issued and I only discovered that at the end of XXXX XXXX. Since then I have been in contact with both the airline and the travel agency and they keep bouncing me between them. 
On XX/XX/, with my patience running out I contacted Chase Bank, the issuer of the credit card, to dispute the transaction as an overcharge of {$340.00}, but I was told that I had only some 120 days to make this dispute. 
This information is not displayed anywhere in their card benefits section though XXXX XXXX XXXX XXXX XXXX  The only thing mentioned about Zero Liability Protection is " You wont be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card ''. There is no mentioning of the 120 days limit. 

The only mentioning of a 120 days limit is under Purchase Protection, a benefit which covers " personal property that has been damaged, stolen, or involuntary and accidental parting with property '', which is not applicable to an overcharge dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Received and a bill dated XX/XX/ stating that they are trying to collect a debt on behalf of TD bank N.A. for the amount of XXXX XXXX 

I responded with a written letter dated XXXX XXXX USPS XXXX XXXX XXXX XXXX  requesting : 1 : Notice of Assignment ( NOA ) from original creditor to XXXX XXXX XXXX XXXX XXXX XXXX  regarding alleged debt. 
2 : If they purchased this debt and for how much. 
3 : Name of person with first hand knowledge about the debt at XXXX. 
4 : What due diligence did XXXX conduct to verify the legality of the debt. 
5 : If they are in possession of my original security instrument ( contract with TD bank ). 
6 : Legal relation ship between XXXX and me and/or contract and terms of such contract if any. 
7 : Evidence of my agreement with TD Bank. 

XXXX responded to one of my inquiries only ( A copy of agreement between me and XXXX XXXX  ) and ignored all other inquiries. 

I responded with another letter dated XX/XX/ requesting same information in my previous letter. 

XXXX continued to call my private tel # and leaving messages. 

I sent a seize and desist letter dated XX/XX/2023 which XXXX ignored and continued to contact me. The last call was earlier today at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have {$2200.00} that is stuck in Chase for my checking account and they refuse to release it because they want a verified phone maker which doesnt make sense I work hard for my money to pay for my XXXX XXXX and without this money I am unable to do so. I already contacted Chase and made a report her before but it wasnt resolved so I am hoping for a better solution please. They say it has to do with the check for {$340.00} and I have proof and record that I did earn it on the payroll Im sure the federal also have record of it like when I file my taxes. There is no way that this is a fraud please contact XXXX if you can on your side if you can please I would like my money back and Ive been trying for over a month now going to different branches and making many calls with both Chase and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
Back in XXXX  I moved out of my apartment at XXXX XXXX XXXX after the owner sold the property to a new manager who walked into my apartment unannounced while I was getting out of the shower, in what it seem to be an attempt attack me. I screened and immediately asked that he leave. The next day I advised them I would be moving out of the property as I was on a month to month lease and could leave at any time. I also never signed a new lease with the current owner. The management then attempted to stop me or punish me by posting an unlawful detainer as he advised he would mess up my credit if I tried to leave. We went to court and I won the judgement, where it was decided I would not owe any money and could leave the property with no repercussions, the documents were also sealed advising me that this would not be allowed on my credit because there was no money owed, the judge also stated he has no ground for an unlawful detainer.I signed a new lease with another property in XXXXXXXX XXXX XXXX  and no longer lived at XXXX XXXX  when 4 months later a collections for {$4000.00} Appeared on my credit. When I contacted the management company to asked why this was there they refused to tell me what it was for, I asked that they send me information to verify the debt and they never did. I have been disputing this for years and it only remains on XXXX as it was found to fraudulent by the other 2 credit bureaus. This is not accurate preparing or accurate information. I would like to file a complaint against XXXX but also the Fidelity Credit server and XXXX XXXX XXXX for fraudulent reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with explanation