vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized.

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 2024-11-19 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: EQUIFAX, INC.
State: IN

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 2024-11-19 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: IN

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
My name is XXXX XXXX and I was a customer with Navy Federal XXXX  for bout a year and a half. I would have to overdraft sometimes but the fees were awful. When I called and asked about the fees, they would say you have 30 days .Once my check hit I would have to pay the money but any extra overdraft charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage was paid off as the XX/XX/XXXX and received a paid in full confirmation from the SPS ( loan servicing company ) but in XX/XX/XXXX received new balance and mortgage statements with the full amount of the loan. I thought it is a mistake or computer glitch and called them to see why I am getting this statement. Also asked for debt validation. SPS has failed to show me any debt validation and now has set a trustee sale date XX/XX/XXXX! 
I have been in touch with SPS and its legal department for the last 4 months and have got zero answers to my questions. Its sounds like third world countries that theres no rule of law. Please ask them to validate the loan or stop this process of fraud and illegal activity. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I took a XXXX  to XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX on XX/XX/year>. The agreed upon price for the ride was {$30.00}. The merchant showed me the XXXX XXXX machine with the {$30.00} charge after the ride, which I used my American Express card to tap to pay for. After that, the merchant turned the machine around and said we were good to go, so we left. Unbeknownst to us, the merchant had added a {$150.00} tip after we left that we never authorized. The merchant also never provided me with a receipt that I could sign for the final charge, which ended up being {$180.00}. I initially didnt recognize the {$180.00} charge at all, so I filed a dispute for the unrecognized charge, since the only cab related charge I was expecting from that day was a {$30.00} charge from the XXXX. After Amex provided a receipt showing the {$150.00} tip that I never authorized got added on, I was advised to re-dispute the claim as an over-charge, which I did. However, Amex did not rule in my favor, instead telling me to resolve the issue with the merchant. Amex has failed to provide me with a way to contact the merchant, and I did not save the merchants contact details as I was not expecting them to fraudulently and illegally tip themselves {$150.00} without my consent. Amex has refused to protect me from fraud, even when the merchant was unable to provide proof that I had signed for or in any way authorized a {$180.00} charge to my credit card for the ride to and from XXXX XXXX XXXX  that he provided. It is not uncommon for merchants to illegally tip themselves more than what the customer authorized, and I dont understand why Amex isnt willing to protect customers from this kind of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-11-19 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
case number XXXX opened XX/XX/XXXX disputed amount {$530.00} disputed on XX/XX/XXXX wasnt given the option during dispute complaint of not receiving product that we ordered. penfed declined on basis that services were received. they did not request any info whatsoever regarding my claim. they are as uncooperative as i have ever seen when i contacted them today XX/XX/XXXX regarding the declined dispute i received. 

by law i am not responsible for charges for something i ordered and did not receive. merchant was XXXX help either. regards

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I have a joint checking account with my XXXX XXXX XXXX son that he uses primarily to deposit his part time job paycheck, go out to lunch with his friends, etc. His account balance was low, and when he purchased a coffee he was charged an overdraft fee ( {$35.00} ) by the bank. I explained to him that he needed to keep track of his balance better so as to avoid such fees in the future. Although he kept track of his actual purchases, existing debits that were set up via XXXX, as well as attempts to pay and be paid by his friends through XXXX, resulted in multiple additional {$35.00} fees for both overdraft charges and, when the balance became less than XXXX, insufficient funds fees ( also {$35.00} ) - the latter even though the bank did not actually pay the amounts on his behalf. Ultimately, there were more than {$350.00} in bank fees charged for less than {$50.00} of claimed and attempted purchases. 

I called the bank to ask them to stop all activity on the account in order to stop the accumulation of additional fees. They advised that they couldn't do that - I needed to go to the branch in person to close the account. After taking off work for an afternoon to visit the branch, they advised me that I first needed to pay the accumulated fees before they would agree to close the account. In other words, they refused to close the account and prevent the assessment of additional fees, which continued to accumulate for several weeks after I tried to close the account. 

As of today, the bank has also prevented me from accessing two other unrelated accounts that I have, claiming that I must first pay the accumulated overdraft and insufficient funds fees on my son 's account before I can obtain access to money I have in the other accounts.

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 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-19 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
There a collection agency that is threatening to sue me for A account that they are not the original owner of for the account Other thing is the amount is of interest isnt inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Inaccurate Reporting : A judgment was included in my LexisNexis Accurint report, which was used by a mortgage company to delay my home closing. 
This judgment is inaccurate and does not align with the court records it is purportedly based on. 
2. Discrepancies Between Reports : Initially, multiple LexisNexis representatives confirmed that this judgment was only on my Accurint report and not on my FCRA-compliant file. However, when I spoke to a manager ( XXXX, ID XXXX ), he stated that the judgment was on both the Accurint and FCRA reports-contradicting the earlier information provided by other agents. 
3. Failure to Verify Information : XXXX admitted that LexisNexis does not verify the accuracy of the information they report unless a consumer disputes it. This means they did not confirm the validity of the judgment before it was added to my file, which has caused me significant harm. 
4. Misalignment with Source Records : The judgment in question does not align with publicly available court records from the civil court that supposedly provided the information. The court records clearly show that the judgment was for possession and not for eviction, yet LexisNexis inaccurately reported it as an eviction-related judgment. 
5. Impact on Me : Due to this inaccurate reporting, my mortgage application process has been delayed, and I can not close on my new home as planned. 
This has caused me financial and emotional distress. 
1. Immediate Removal of Inaccurate Information : LexisNexis must remove the judgment from all reports ( both Accurint and FCRA, if applicable ) as they failed to verify the information before reporting it. 
2. Explanation of Verification Procedures : LexisNexis must provide a detailed explanation of how they gather, verify, and ensure the accuracy of data before adding it to consumer reports. 
3. Compliance Review : A review of LexisNexis ' compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws, as their admission that they do not verify information before reporting raises serious concerns. 

I have contacted the civil court that supposedly provided the information, and they confirmed that there was no writ of eviction and that the judgment was related to possession, not eviction. 
LexisNexis has been inconsistent in their communication, with representatives providing conflicting information about where this judgment is listed ( Accurint vs. FCRA report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX just a few days ago, I tried repeatedly to log into my account to make my payment but my username & password are not accepted. Every time I put my username in to login, it is not going through and repeatedly keep asking for my username over & over & over again and never get to log into my account. Prosper credit card gave me no notification that I am to use a different login portal or that it's a new website address or ANYTHING??? I had this similar problem just a few months ago. I do not like paying late. Can someone investigate this matter to find out why this is happening again?

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 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase was offering a {$900.00} total promotion for opening a new checking and savings account. The total was comprised of {$300.00} for a new checking account, {$200.00} for a new savings account, then a {$400.00} bonus after the first two were met. 

The new checking account required direct deposit. The new savings account required {$15000.00} in minimum deposits within 30 days of opening which had to be kept in the account for 90 days. Once the initial two were met, the bonus was to be provided. 

I received the {$300.00} for the new checking, but not the other two. The 90 day requirement for the savings account was XX/XX/year>. I began reaching out to Chase three full weeks past the required holding date. 

I spoke with customer service on XX/XX/year> and was informed a system issue was causing a problem with the savings account which they believed was why I didn't receive the bonuses. I was told to call back in two days. 

I called back on XX/XX/year> and spoke with a customer service rep who said I need to speak with a supervisor and I was immediately placed on hold. After speaking to the supervisor, they informed me that a case needed to be open. This case was opened under XXXX and that I should expect a callback within 3-4 days. 

It's been 4 days and I haven't received any communication from Chase. I've been patient and I've attempted to resolve this with customer service on more than one occasion, spending a non-trivial amount of time trying to fix their error. The customer service interactions all started with an attempt to invalidate the bonuses rather than address the issue. 

I've attached the initial paperwork detailing the bonuses, including tracking numbers. Ive attached screenshots of the accounts showing all bonus requirements were met.

Company response to consumer: Closed with monetary relief