vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal Credit Union Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX After checking an updated copy of my credit report, I have found a few accounts listed above that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. In accordance with Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matter of accuracy, completeness and be able to verify each specific entry, according to FCRA 15 U.S. CODE 1681 ( A ) ( 1.A ) by law the account has to be removed while under investigation. Failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. Also, ( Navy Federal Credit Union, XXXX, and XXXX XXXX XXXX XXXX ) reflecting payments saying I was late, which I find to be incorrect, I'd like to know the mechanisms that are in place to investigate these erroneous late accounts. Did you not even conduct a LEGAL INVESTIGATION because it is still not reporting a 100 % correctly? It's disappointing that your organization would choose to violate the FTC 's standards when conducting an investigation. I WAS NEVER LATE ON THESE ACCOUNTS I WAS NEVER LATE ON PAID ACCOUNTS WHICH THEY FAILED TO SHOW PROOF OF DOCUMENTS OF TRANSACTIONS SHOWING I WAS EVER LATE. ALSO FAILED TO VALIDATE ANY ACCOUNTS REFLECTING ON MY CREDIT THAT I HAVE NEVER DID BUSINESS WITH according to Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I did not authorize these companies to run my credit. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I did not authorize these companies to run my credit. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
DIVERSIFIED ADJUSTMENT SERVICE is in violation of the Fair Debt Collection Practices Act ( 1006.34 Notice for validation of debts. ) to send a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days. DIVERSIFIED ADJUSTMENT SERVICE now in violation of the FCPDA, and are now subject to fines of {$1000.00}. I have no knowledge of this account and believe this account was open fraudulently. A collection is by default late and past due, this account due to inaccurate reporting is in violation and damaging my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
received a phone call from a bank associate ( XXXX XXXX ) who was exceptionally rude, ugly, combative and nasty! She claimed my loan has matured and that I owed XXXX more payments. She called my loan past due and that I was being reported to the credit agencies as being 60 days late. I NEVER HAVE HEARD ANY OF THIS PRIOR TO THIS PHONE CALL. She claimed that I filed for hardship and she would email me the document right away. I've never applied for or signed for this. I had it out with the bank twice already for reporting me late during covid. I was just now getting that 12 months behind me and hoping for my score to improve. I was, in fact, never late. My payment sat in a drop box for months when no one was picking up mail from the branch. Once these people report you... you have NO recourse. I'm sick and tired of these people. I never got the emailed document. I can not get an answer from the number where I spoke with the rude lady. I left messages ( voice and email ) and even submitted a complaint to the bank. I get NO response. No call back, no email reply. They also lost my Title for the car being held as collateral. I PAID THE LOAN OFF. I have NO Title, noone to take my calls and NO documents showing that my loan matured!! These people are criminals!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I mistakenly made an early credit card payment in the amount of {$4600.00} to Capital One on XX/XX/2024. The amount that I meant to pay was the last statement balance of {$3300.00}. I called Capital One and asked for a refund of the difference ( total statement Vs. previous statement ) and they said that they are unable to process a refund and that I should contact my bank to try to issue a stop payment. I was unable to issue a stop payment because the payment had immediately processed. Capital One refuses to issue a refund & say there is nothing they can do. The credit card payment is not officially due until XX/XX/2024. This is an honest mistake, should be reversible, and I assume happens all the time. The credit card company is collecting payments early, processing payments instantly, not refunding overpayments, and have XXXX  day review processing times. This is not fair for the consumer because it usually takes XXXX days for a bank account charge to clear and there is no time ( with capital one ) to issue a stop payment to the bank. The credit card company refuses to issue any refund whatsoever and I need that {$1300.00} in my checking account to pay other bills that can not be paid with a credit card. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : TransUnion 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  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 of 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 2024-02-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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  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 of 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 explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
there are some accounts on my file, I am not recognizing, I asked equifax to verify them. They arent verifying them, Equifax claims that they are. I have sent them multiple letters about the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: SC

Complaint narrative:
On XX/XX/2024, I received a Credit Report Alert from my online XXXX XXXX XXXX provided by XXXX XXXX. This alert was sent because someone had made an unauthorized Credit Report Inquiry to XXXX for a credit card application that I knew nothing about and had NOT requested. 

When I contacted XXXX about this unauthorized credit report inquiry I was informed that JPMorgan Chase had made the request - without my knowledge. However, this unauthorized request resulted in my Credit Rating taking a XXXX hit, but XXXX assured me that no credit card was being issued and that my credit score would be corrected/ restored to its previous " Excellent '' rating. 

On XX/XX/2024, I received a letter from JPMorgan Chase requesting additional information that was required before they could approve my ( XXXX ) credit card request. Reference Number : XXXX. JPMorgan Chase wanted the following XXXX ( XXXX ) documents : 1. Proof of current physical address ; 2. Proof of Date of Birth ; and, 3. A copy of the letter ( referenced here ). 

On XX/XX/2024, I called XXXX, the phone number referenced in their XX/XX/XXXX letter, and I spoke with " XXXX '' who told me that my ( XXXX ) credit card request was being canceled and that he would alert their Fraud Dept. to investigate how this ( XXXX ) request had been initiated, and by whom. He further stated that I would receive a response from JPMorgan Chase Fraud Dept. within fourteen ( 14 ) days. After this discussion I ended our call by telling " XXXX '' that I was going to contact the Consumer Financial Protection Agency and report them for requesting and accessing my credit report unlawfully.

I know this is a lengthy response, but I do appreciate someone taking the time to read and act on this complaint as there may be XXXX more who are being targeted and having their credit scores lowered by these unlawful credit report requests. 

Thanks you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Between XX/XX/2024 and XX/XX/2024 there was an account reported to my credit in the amount of {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. 

I have also attached my License and Social for proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is possible if the open date is inaccurate, and 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 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account 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 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IL

Complaint narrative:
i was informed that there was a collection on my credit report and i reached out to the both the collection company and original creditor. The collection company IQ data stated on my credit report that i owed {$3400.00} from a previous lease which i knew i didnt owe. i contacted the original creditor and requested a ledger verifying a {$0.00} balance as proof. When i called the collection agency back they were extremely rude, i was hung up on several times and was told to not call back because they werent going to change anything. i am attaching a copy of the page of the credit report showing the collection, `a copy of the ledger from the rental agency and email correspondence. i have been working on this since XXXX and it has hindered my abiltity to get a mortgage for my family. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. ACCOUNT XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/202XXXX 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 2024-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Hello my loan modification went into affect XX/XX/24. This company decided to add a fee of {$30.00} to my payment this month. When I called to see what it was for, the representative said it is past due and it is for a Property Inspection fee that they added. 

I was never notified in any of the documents prior that I owe any {$30.00} fee for inspection and there is even an inspection that is going to get done, they said I don't have to authorize it, they can send out an inspector as they wish and charge me for it. 

-Also when I looked at the last statement online dated XX/XX/24 showed that fee to be waived. ( attached ). No XXXX statement showing yet. 
-Their website just shows {$30.00} fee, not stating what the fee is for. ( screenshot uploaded ) - payment history ( attached ) The communication here has been rather very poor and it is not right to just add fees however they wish and tell me I have to pay for it. If they are wanting to do an inspection, it is up to them to do so at their own expense, not charge me for it.

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I am a member of Exhibit C Automatic discharge group. My Borrower 's defense application is approved. 

Both of my previous servicers have advised that my discharge is complete and provided me with the information submitted to the DOE. However, it is past the relief deadline, and my refund has not been received. The status of my discharge says processing, and each time I contact the XXXXorrower Defense hotline, it hangs up before transferring to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
I have constantly disputed these inaccurate accounts and have asked for verification. The only thing that keeps coming back is saying accounts are verified with no proof or documentation showing otherwise. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description.

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