vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX , OH XXXX Dear agency I am writing to formally dispute a late payment reported on my credit file associated with my account number XXXX I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. 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 non-monetary relief
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX , OH XXXX Dear agency I am writing to formally dispute a late payment reported on my credit file associated with my account number XXXX I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have opened an account with Capital One with the promise of a bonus. I have met all the requirements and they are refusing to pay the bonus on time as promised. This is a scam to get people to open accounts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I received an escrow disbursement check from my mortgage company ( XXXX XXXX XXXX ) for a little over XXXX and deposited it into my J.P Morgan Chase checking account on XX/XX/year>. I was told that they needed to speak to the mortgage company to verify the check before the funds could be released. I provided them with every phone number XXXX XXXX XXXX  has available as well as the phone numbers to XXXX XXXX, which is the servicer/lender for the company. Both XXXX XXXX XXXX and XXXX XXXX are on the check. Every phone number provided Chase claimed was not a " verified '' phone number and they refused any other form of proof from either company. Chase spoke with someone from XXXX XXXX in a three way call and I was told the check had been verified and it would be another 4-5 days before my check was deposited. I called a few days later only to have them tell me that they were not going to be able to deposit the check because speaking to the company that way was not a " verified '' or legitimate way of verifying the check. I told them I was just going to cancel the check and have the company send me another so I could deposit it somewhere else. As soon as I told them that they deposited my check and are holding it in a suspended account. They are saying they can hold the funds for up to two years. I was told by my mortgage company that I should contact an attorney which I am in the process of and to file this complaint. This is not right. We were counting on this check. This should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: MN

Complaint narrative:
I attempted to file for a discharge of my private student loans since my school was part of the XXXX AG Multi-state Settlement and my federal loans were successfully discharged as a result. Following the provided instructions from XXXX, I was rejected due to the fact that I consolidated my private loans in 2019. ( due to being unable to keep up with payments from the original loans )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX CARD ( Bank ) XX/XX/year> TBOM/MILESTONE ( Bank ) XX/XX/year> FEB/DESTINY ( Bank ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> GEORGIA XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX CHR ( Auto ) XX/XX/year> FEB/DESTINY ( Bank ) XX/XX/year> CAPITAL XXXX ( Bank ) XX/XX/year> CAPITAL XXXX ( Bank ) XX/XX/year> 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid 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:
Good evening, I was paid a compensation for participating in the beta testing of a new educational software.

The payment was in the form of XXXX XXXX XXXX Prepaid cards issued by XXXX XXXX XXXX. 

The payment was issued in two ( 2 ) XXXX XXXX prepaid XXXX XXXX XXXX. 

The advertisement is misleading. The company claims the prepaid cards can be used anywhere online and in-person, also added to online wallets such as XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX and more. 

They also claim it can be used like a regular credit card anywhere XXXX XXXX is accepted. 

This is not true.

I have tried unsuccessfully to add my card and use it in many online stores only to be declined because of ZIP code security or the order just being stuck in a processing limbo without confirmation.

These cards shouldn't be sold if they are not going to satisfy the benefits the company promise and advertise. 

I tried to add it to my XXXX XXXX : Didn't work I tried to add it to my XXXX : Didn't work I tried to add it to a mobile Wallet XXXX and XXXX : Straight out rejected them. 

I tried adding it to my XXXX account to pay for groceries and rideshares : Didn't work. 

All of these companies accept regular XXXX XXXX cards. 

The company claims the prepaid cards will work in any merchant which accepts XXXX XXXX, which is utterly misleading. 

In the attached documents, I will display all the declined transactions and the prepaid cards information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: WA

Complaint narrative:
I previously submitted a complaint. On XX/XX/year> Experian dropped my credit by XXXX points. It was raised XXXX points after XXXX report was submitted. Today it dropped XXXX points again. Again, Nothing on my credit report changed except I paid XXXX XXXX down on my only loan ( should have raised my score ). I called and they couldnt tell me. I wrote and asked them why and they sent me an email telling me my case was resolved, yet there has been no change in my report and no answer to my question. None of the other agencies made that drop. Just Experian. All other agencies are more than XXXX points higher. They were all nearly the same until XX/XX/year> when it drastically dropped with no major activity on my credit. I have an application in for an XXXX XXXX XXXX currently. If that is denied because they are drastically dropping my credit score, I will talk to my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NY

Complaint narrative:
BHG Financial has intentionally and incorrectly posted applied principal payment based on my monthly payment instead of the date that the actual principal payment was received, by doing so BHG is accruing additional interest instead of reducing my interest payment.

This is a deceptive practice which is causing me to pay unnecessary and additional interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
My original debtor sold my Account to LVNV Funding LLC with out a written consent to me. I Have never signed a contract having a debt or authorizing LVNV to have my personal information/DEBT. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that LVNV Funding LLC cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. LVNV Funding LLC actions are infringing on my rights and must stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
This is a formal complaint made by me XXXX XXXX that you Equifax block information listed on my consumer credit file that result in identity theft and fraud pursuant to FCRA 605b ( 1681c-2 ) The fraudulent, false & inaccurate information consist of the following accounts : XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX  - account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX -account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX I have attached a copy of the Ftc Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all credit account and collection are the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX  on XX/XX/year>. The loan was financed thru Westlake Financial Services. The interest rate is XXXX with payments of XXXX for 72 months. Now that I'm at the end of my loan. The amount owed is more that what the paper work states. My payment was deferred for 30 days due to the pandemic. I also changed my payment date to the beginning of the month instead of the XXXX of the month. I've never missed a payment and now that I'm at the end of the loan, I'm told that I owe XXXX. I've made every payment except when it was deferred for a month. The total loan is XXXX and if I've made a total payment of XXXX, why is my balance still XXXX instead of XXXX? They keep trying to tell me the amount increased because of the deferral. The loan was only deferred for one ( 1 ) payment and I never agree to an increase in my loan.. 

Please help XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have made numerous attempts to make my monthly payment on a closed XXXXXXXX XXXX account , the website no longer exists and Citibank, the accented voice on the phone, does not have access to the old XXXX XXXXXXXX account information. Plus, I do not have a XXXXCitibank card as the account was cancelled and in pay-off status. 

I have called the Citibank number a number of times as Citibank now has the XXXX 's credit card accounts. But, they only have the Citibank information, not the information from the old XXXX XXXX accounts. Plus, they wanted items like the name on the card for verification ; it is a cancelled account and the card was destroyed and I have moved and changed my phone number. I do have an previous XXXX 's statement as verification for the account, but it was under the old XXXX XXXX account and I could not use that to verify the old account and get a logon for the new XXXXCitibank website to make a payment . 

On one a call accented voice then said I could give him my debit card number to make a payment. I ended the conversation as how could the individual requesting my debit card information credit a payment to the new XXXXCitibank account if Citibank did not have any information on my XXXX/Citibank account and I could not log onto their website and make a payment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief