vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have submitted disputes to Experian, and they have refused to investigate for over XXXX months. 

Reasons given for past refusals to investigate are ( 1 ) false claim of not submitting my own disputes ; ( 2 ) false claim that I haven't submitted identifying documentation ; and now ( 3 ) claim that I have to explain to them what the reason for my dispute is ( see attached email ). 

I have the right, under the FCRA, to dispute items on my credit report and the credit reporting bureau must validate the disputed item for accuracy. 

Experian has failed to do so, and in fact, has made several false claims regarding submitted disputes. 

I ask the CFPB to either direct Experian to legitimately investigate my disputes or delete all disputed entries on my credit report. 

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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IN

Complaint narrative:
In a XXXX, I have a recurring bill payment that goes out monthly as follows : XXXX : XXXX XXXX XXXX : XXXX} This payment is for the purchase of property he sold me on a XXXX contract. Due to a problem with this payee XXXXXXXX XXXX ( XXXX or XX/XX/2022 ), where he claimed he did not receive payment and my bank stopped payment and re-issued the check, I watch for his check to clear my account monthly and verify it is endorsed. 

Today, I noticed the monthly check ( XXXX XXXXXXXX ) coming thru NOT endorsed. I requested my bank NOT pay it, rather return it as " Endorsement Missing '' because, without his signature ( or an endorsement guarantee stamp by his bank ), I can't prove he received payment. Upon noticing this today, I immediately contacted my bank via text message rather than phone as I have learned to " CYA. '' : - ) They were USELESS, full of excuses, pass the buck, etc ... at the end you'll notice, they wouldn't even provide me the requested address! Attached to this complaint are an image of the check in question, as well as a transcript of my conversation with my bank moments ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NV

Complaint narrative:
There are currently two installments loans reporting on my credit report from XXXXXXXX XXXX Both these loans are paid in full and showing a balance owed. 

Date : XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - Lease Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/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 2023-06-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are currently two installments loans reporting on my credit report from XXXX XXXX. Both these loans are paid in full and showing a balance owed. 

Date : XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - Lease Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NV

Complaint narrative:
There are currently two installments loans reporting on my credit report from XXXX XXXX. Both these loans are paid in full and showing a balance owed. 

Date : XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - XXXX Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/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 2023-06-13 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I consumer XXXX XXXX reviewed my credit report and I notice that Enhanced Recovery Company is violating my rights and defaming my character. I have sent in invoicing outlining the violations that they have violated. According to the laws the are outlining in 15 USC 1692 b ( d ) ( c ) ( e ) ( f ). I am not going to keep allowing my rights to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: Global Lending Services LLC
State: MD

Complaint narrative:
Late payments from Global Lending XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 495 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I left Wells Fargo awhile back after 2017 give or take. Numerous overdraft fees every day all because my account went XXXX dollars under. Then I get charged XXXX dollars a day. So before I realize my account is negative by XXXX dollars I owe XXXX dollars. I went on a cruise and my account went negative by cents. And I received a fee every day while I was out of country and they would only compensate me for half of XXXX dollars in one week of overdraft fees. I was wondering if there was any compensation for me through the law suit.

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 2023-06-13 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: NC

Complaint narrative:
According to the new FCRA act any collections that are still reporting after 2 years need to be permanently removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCE- XX/XX/XXXX. All these inquiries were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well 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 2023-06-13 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2023 my wife and I went to the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX NC. We made a deposit of XXXX When I got home, I log into my account and I could see the deposit. On XX/XX/2023 I log into my account again and the deposit was gone. The account did not show a record of the deposit it only showed the XXXX withdrawal that made at the same time as the deposit. I called Chase Customer service after talking multiple people, I was told I need to go the branch where I made the deposit. I went the branch and spoke with the teller he remembered me and my wife and us making the deposit. I spoke with his supervisor she also remembered us. The supervisor went into the system and tried to find the deposit after a few minutes she asked me if I could sit down and she will continue to try and find a deposit. After about 30 minutes, she came to where I was sitting and said that she could not find the deposit and she could not find the check. She then asked me if I could wait till the end of the business day to see if she could find the deposit. Meanwhile, my wife called and spoke to the branch manager, which said that they would try and find the check had been sent to central district somewhere, and that the check was not lost. Where I come from if you dont know where something is there it is lost. I was led to believe that the sorting area where the check was sent to was a local XXXX finding out that it was out of state, and it will be days before they could even begin to look for the check. I am out of XXXX from where I can see because you dont know where the check is and the money is not out is not in my account. I was not given a timeline on when I should speak with the issuer sure about putting a stop payment on the check as a matter fact,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  has reported a rental/leasing balance to both XXXX and XXXX they claim to have originated in XXXX. I have contacted both XXXX and Equifax multiple times to dispute this due to the fact that I did not have any such leasing activity in XXXX. Both XXXX and Equifax continued to report back that the debt was valid. I eventually contacted XXXX XXXXXXXX XXXX XXXX to demand back-up records for the balance. They responded and provided me with an invoice from XXXX of XXXX. They falsely represented to the reporting agencies that the debt originated in XXXX. I once again contacted both XXXX and Equifax in XX/XX/XXXX to dispute the charge and provided the invoice proving that the debt in fact originated in XXXX and is well past the statute of limitations to be included on my credit record. Each of them once again represented that the debt is valid and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$170.00} XX/XX/2020 15 U.S.C, 1681section 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 an 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 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 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I, XXXX XXXX, am writing regarding Account # XXXX. I request that you immediately send me my full refund check in the amount of {XXXX  for my XXXX XXXX XXXX, XXXX :. Despite paying my account in full on XX/XX/XXXX, I still have a remaining balance owed to me. It is currently XX/XX/XXXX, and the XXXX business day timeframe promised has elapsed without me receiving the check. 

Over the past two months, I have repeatedly called to inquire about my refund, to no avail. Even after being informed that delivery was switched from USPS to XXXX  Overnight, no supervisor has been able to provide me with a tracking number for my checks. Therefore, I request that you send me my check as soon as possible to resolve this issue. 

If I do not receive the check within the next XXXX business days, I will be forced to take legal action. However, I hope that we can expedite this matter and reach an amicable resolution without needing further measures. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-06-13 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Rooms 2 Go ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy. 
15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting

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 2023-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It says I am an authorized user and i never applied for that card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: WI

Complaint narrative:
I filed a dispute for charges on my account on XXXX totaling {$480.00}. I did not make this transaction, and it is my belief that my card information was compromised. I submitted the appropriate forms with the bank stating I did not make the transactions listed. I tried reaching out to the merchant to see if they could verify the transactions and attempt to report the transactions. The merchant was unable to verify the transactions. The bank denied my dispute stating they needed additional information for the dispute and stated the decision was final. I am unable to find additional proof that the charge was fraudulent. I lost a lot of money that day and the bank has not been helpful in helping me recover my lost funds. No follow up on their investigation was included and their lack of reasons why my dispute was rejected is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada
State: NV

Complaint narrative:
I want to make it very clear that I am complaining that this company falsely reported the wrong origination of debt date - not the wrong amount of the debt. That option was not offered to me and I felt that this was the closet one. 

Sierra Outsourcing Solutions ( Collection Service of Nevada ) has falsely represented to the credit reporting agencies that a debt in their possession originated in XX/XX/XXXX. I requested back-up records for balance from them and was provided with an invoice proving the debt originated in XX/XX/XXXX. They have no records of a debt from XXXX. Per Nevada law, this item is past the statute of limitations and should not be on my credit record.

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 2023-06-13 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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