vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, and Experian are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX, I used my target card. 

There were late fees on the card in XX/XX/XXXX Payment Date : XX/XX/XXXX Posted Amount : {$280.00} the amount due to XXXX out the account. 

I wasn't informed that there was a late fee on the account at the time of payment. 

In early XXXX I started the home-buying process and was told to pay XXXX. I didn't question it I just assumed that my family member used the card, so I paid the below. 
Payment Date : XX/XX/XXXX Posted Amount : {$130.00} Memo : PHONE PAYMENT XXXX VA On XXXX XXXX, XXXX, I was notified by my Lender that I now owed {$170.00} so I immediately called as there had been NO usage on the card as were getting a house. 
At the time the rep neglected to inform me of the history of charges however he said he was waiving XXXX late fees. But Never mentioned what I was paying for. I proceeded to make the payment out of desperation to close on my house. 

When I went online to review the account I noticed the card hadn't been used since XXXX XXXX and all the other fees were late fees being piled up with interest. I was never notified of any late fees or interest on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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. I told XXXX, Transunion, and XXXX to reinvestigate these 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 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 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  they 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 1681 ( 5 ), they are supposed to modify 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.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I rented a car from enterprise for XXXX weeks or so, my credit card is a secured credit card that i opened with XXXX dollars which means i can only spend XXXX at once. For that reason instead of paying it monthly i have to pay the car weekly. I payed everything to enterprise in small weekly payments how ive always done but this time i got a XXXX charge from enterprise rent a car ( XXXX ). bank of america left my card overdraw. I called XXXX  to ask if they charged me twice by accident but they said everything was paid for. And they did not know why the bank was charging me that but that i have no debt with them. After that i called the bank and explained them the situation, I can not make a payment of XXXX because I only have XXXX in my card and the representative agreed with me it was very strange, they transfered me about 6 times to 6 different representatives, not any of them helped me, one of them even hanged up the phone after making me wait for 30 minutes. The last representative that i talked to told me the bank was investigating my case but its been weeks and still no answer from the bank.

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 2024-01-20 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: EdFinancial Services
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Any over draft fees applied to my checking account in the month of XXXX. 

Its seems to me as though this bank places pending transactions at a vulnerable time to process causing my account to fall negative. In turn charging me a {$36.00} fee every time. The alerts that are sent to me are made at XXXX in the morning. And I feel this is highly unethical to me be charged this many 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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC
State: WI

Complaint narrative:
The company- Asset Recovery Solutions called me at work today. The caller was XXXX. They called me from XXXX. XXXX said their office number is XXXX. I am extremely concerned about this because they called me at my office today at XXXX. I work in insurance and financial services and we have very secure lines to protect customer information so this is not an appropriate place to call. He was also very irate with me. He was being very threatening and yelling at me over the phone, trying to get me to agree to accept the debt he was trying to collect. After telling him I am not answering anything, agreeing or denying anything, he continued to proceed to yell and said he would call me here again. This is very concerning debt collection practices. He is trying to coerce me into agreeing to pay, make payments or accept a debt. I told him that this is also on a recorded line and he said he did not care. Please review this manner because these are very abusive and threatening tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my final dispute with Transunion before I file suit against the company for violation of my rights namely their failure to investigate a consumer dispute and due a thorough and reasonable investigation. Instead they simply just accepted what was told to them when they sent the dispute to XXXX. 

This account is currently in federal court under litigation for their violations, however Transunion is equally liable for their failure to review my dispute and I have plans to file suit if this account is not removed IMMEDIATELY. 
I have attached copies of both disputes as well as the Federal Lawsuit against them... I will be seeking damages from Transunion for these violations as this inaccurate information has caused serious damage to me as a consumer.

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 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto Finance XX/XX/2023 Capital One Auto Finance XX/XX/2023 Capital One Auto Finance XX/XX/2023 Above hard inquiries were done without my consent or knowledge. These hard inquiries on my credit were not authorized by me. Fraudulent inquiries must be removed an reported back to the credit Bureaus for removal on my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a car loan through my dealership, but they ran multiple credit checks from different lenders. These include : JPMCB Auto Finance My actual loan is from XXXX XXXX, and not any of the above listed lenders. 
This happened on XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
DISPUTE LETTER AGGRESSIVE CREDIT REPAIR LETTER SECTION 609 ROUND 1 The following account need to be removed immediately : Account Name : XXXX XXXX Account XXXX Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions. 

Name : XXXX XXXX Date of XXXX This inquiry was made without my knowledge or consent, and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed. 

Under the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the address. 
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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
There is a fraudulent item on my credit I never gave anyone permission to open utilities in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I moved out of my apartment in XX/XX/year> in XXXX. On the way out, I took pictures, paid all my rental payments, and sent an email to the apartment manager with pictures of my payment, a clean room, and the returned key. I received a reply from him confirming that everything is good to go. 

In XX/XX/year>, six months after I moved out, a debt company reached out, asking me to pay an amount of money that I don't believe I owe. I followed the CFPB guidance to dispute and attached the email chain and payment document. However, the debt company replied, asking me to pay the money again, and I disputed it once more. I also reached out to the apartment for assistance, but they directed me to contact their corporate office. Upon contacting the corporate office, I was suggested to talk to the debt company directly because they could not do anything for it. 

Within a week, the debt collection company sent me an automated email without a reply option, asking me to pay the money and the interest. The following month, they started sending me messages asking me to pay the debt I earnestly seek assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Recently discovered ( XX/XX/XXXX ) an XXXX of XXXX had been recorded in XX/XX/XXXX relating to a judgment rendered XX/XX/XXXX. 
I was never served nor received any notification in person or by certified mail to appear in XXXX or XXXX. 

The creditor Capital One Credit Cards had finally determined on XX/XX/XXXX that the account and judgment were fraudulent and I was not responsible for the debt in a letter I had received on/about XX/XX/XXXX after several weeks of attempting to obtain evidence. 

Since XX/XX/XXXX, Capital One continually has claimed that a " Vacate of Judgement " had been sent to the court of record, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an order to have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prepare " Vacate of Judgment '' and have recorded ; then on XXXX XXXX XXXX, Capital One claims the order to vacate the judgment was sent directly to the court via email on XXXX XXXX XXXX 

In multiple requests, Capital One has refused to provide proof of their claims, nor will Capital One provide a copy of the order to vacate the judgment, stating they don't have the authorization to provide the copies and for me to contact the court. 

It is apparent that Capital One is constructively obscuring all requests to maintain an illegally obtained judgment and don't care about the collateral damage they create by their actions. I further fail to believe they actually have sent an order to create the vacate of judgment to any law firm, or filed the document with any court. I'm of the belief due to the constructive lies and misrepresentations they actually have issued a renewal of the judgment to further their blackmail attempts. Additionally, Capital One refuses to provide anything in writing as part of my requests, however, they require of me to send written requests to discuss the situation. 

This company although acting as if it is above the law, isn't and needs to be severely sanctioned, fined or even shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: U.S. BANCORP
State: WI

Complaint narrative:
On XXXX XXXX XXXX  US Bank has made an " Individual Inquiry '' into my personal XXXX credit file after I have used " Check your rate '' tool on their personal loan page XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, when I have realized that instead of " soft inquiry '' US Bank did " Hard inquiry '' I have reached out to the Personal Loan department over the phone around XXXX XXXX. Associate I have spoke with failed to provide me the reason for the inquiry and instead suggested that I should " just dispute the inquiry with the credit bureaus ''. After verifying that there are no existing applications within their system she transferred me to their " Consumer Credit Dispute '' department from where I have been transferred once more with no luck to resolve my issue. 

Meanwhile, my credit score as per XXXX XXXX and XXXX XXXX XXXX tools has decreased by XXXX due to this inquiry. 

XXXX XXXX search shows that there are many people in the same position and complete failure on behalf of the US Bank to : A ) fix the issue in their system to stop this from happening ; B ) take necessary steps to address existing concerns.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Thoroughly review the attached documents. I urge the bureau to launch an examination into these accounts, as my payments are consistently on time, yet they are mistakenly reported as overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from XXXX, XXXX, and TransUnion. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I hope this email finds you, though I must express my frustration and disappointment with the lack of response to my credit disputes submitted in XX/XX/2023. Despite the statutory 30-day timeframe for resolution having long passed, I have not received any correspondence addressing my concerns, and prolonged my new residency in order to dismiss any delays of receiving my mail. 

My disputes pertain to inaccurate information present on all three of my credit reports, namely from XXXX, Experian, and XXXX. Despite my attempts to seek assistance through phone calls, my complaints have not been heard, and I find myself in a distressing situation with no resolution in sight. 

In light of the continued disregard for my concerns, I have taken the step of resending the same dispute letters that were initially submitted. This persistent inaction to these credit bureaus is unacceptable and has compelled me to escalate the matter by filing a complaint through this channel. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been grossly violated due to the prolonged delay in addressing my disputes. The inaccurate information on my credit reports is impacting my financial standing, and I am left with no choice but to seek resolution through this formal complaint. 

As a consequence of the fraudulent encounters I have experienced, I have taken measures to freeze some of my accounts to mitigate any potential further harm. 

I urgently request your immediate attention to this matter and a prompt resolution to the inaccuracies on my credit reports. Failure to address this complaint promptly may lead me to explore additional legal avenues to protect my rights and rectify the damage caused. 

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