vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As documented in my complaint XXXX, filed XX/XX/year>, JP Morgan is continuing to spam me with 6 different emails ( rather than 1 ) per notice, per account. This has been going on over a year and I have spent several XXXX hours now trying to resolve this. Some mornings when I wake up, I have 40 or 50 emails from JP Morgan due to the duplicate sending error. I have attached a recent example from this morning ( XX/XX/year> ) showing how they emailed me 6 different times ( 4 times on one email account, 2 times on another email account ) to let me know my billing statement is ready. They do this for each account, meaning 20 emails today, as just today 's example. This spam must stop. I should receive only ONE email per notice I am enrolled for. I have been fighting with Chase continuously and no one fixes this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I financed brakes in XXXX of XXXX with comenity bank through a company named XXXX XXXX XXXX I was promised a one year of free interest rate in which my balance statement wasnt mailed to me two months later. I wasnt able to pay off my balance before the due date. I was charged interest rate for that year plus more interest rates on the new balance of my account. I finally paid off my balance XX/XX/XXXX, but they continue to charge me interest rate on a XXXX account. I called Comenity bank to try to get some help, instead they say the bank lended me the money and it automatically generates interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-01 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: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I have a collection account in which that was charged off/ sold to a third party debt collector and was the reason I was denied for an apartment for me and my kids.. this charge off is considered a certificate of indebtedness which means it is now " income and income CAN NOT be reported onto my credit report. It is also a violation of the Privacy Act to report my transaction history and banking information. As a honorable and protected consumer I ask that the credit bureaus XXXX and XXXX please immediately remove the collection account EASTERN ACCOUNT SYSTEM from my credit report as it is also not being reported on XXXX making it an inaccuracy as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I was checking my account to withdrawal some money. Little did I know someone had already withdrew {$80.00} dollars from my account. I live in XXXX, CA. The location taken out said XXXX XXXX XXXX XXXX XXXX XXXX. I called the bank so they " froze '' my account and where sending me a new card. Then I had filed for fraud through the phone and on their app. It wasn't until XX/XX/year> that they decided they found no sufficient evidence to support my claim. During this time not only did they not send me a card but they didn't lock my account. I had to call again because I was getting notifications that someone was still trying to withdrawal money. By this time I stopped receiving deposits and had XXXX dollars in the account. I emailed them to please send me the documents they " relied on in making '' their decision and now it's XX/XX/XXXX, nothing has been done.

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 2024-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NJ

Complaint narrative:
I do not recognize this credit inquiry and I advised it needs to be removed. Transunion has not removed this inquiry as I have asked. I'm providing an identity theft report below and requesting for this inquiry to be removed, as it is inaccurate and not mine. 

According to Cushman v Transunion 1997, Transunion is supposed to ENSURE MAXIMUM ACCURACY. THIS ACCOUNT VIOLATES THESE LAWS. 15 USC 1681i, 15 USC 1681 s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). INQUIRY NEEDS TO BE REMOVED.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has been illegally re-aged AND the original date of major delinquency ( Chargeoff Date XX/XX/XXXX ) has been changed to ( XX/XX/XXXX ) which has now severely hurt my credit score by reporting new late payments from this year on an account that was PAID IN FULL and CLOSED! I have reached out to Equifax about this account repeatedly and nothing has been changed after the reinvestigation! Legal action will follow next if account isnt corrected.

15 U.S. Code 1681e ( b ) states that reporting agencies are required to perform reasonable procedures to ensure MAXIMUM ACCURACY when furnishing information on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: GA

Complaint narrative:
XXXX 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I obtain a navy federal account by applying and was ultimately granted the account. After stepping into a branch and providing my identification I was able to get a brand new debit card and deposit money into the account. A few days later I noticed I couldnt log into my account, so I called navy federal and was told to send in an appeal with information proving I am who I am. After sending in countless documents proving I am who I am I am still met with the issue of not being able to get my funds. At this point they can close the account or keep it restricted, I would just like to get my funds back that I deposited into the account. By law they can not keep my funds after I have provided countless documents showing proof of address as well as identify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-01 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: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
Incorrect information added to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I am a client with first citizens bank. I was supposed to get a social security check via direct deposit today XX/XX/2024. However when I checked my account, my finds were not in my account. The social security administration said they sent my direct deposit to first citizens bank. So I contacted the bank & they informed me that there is an issue with in the bank that is making it difficult for the to process direct deposits. They did not give me a time frame as to when this issue will be resolved. So due to this issue, I do not have my money & therefore I can not pay my bills or pay my rent on time. Nor can I go buy groceries. The worst part is no one at first citizens bank can provide me with an answer as to when this issue will be straightened out & I will get my money. So now I am not getting my money & I am suffering major distress due to an issue with in the bank that is out of my control. I have to suffer because of the bank 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Third Dispute of Incorrect Information on Credit Report Dear Equifax Dispute Department, I am writing to formally dispute inaccurate information reported on my credit report. Upon reviewing my credit report, I have identified an error regarding the reporting of a charged-off account. Despite my previous reports on [ dates of previous reports ], this issue remains unresolved. The details are as follows : Account Number : Balance is {$460.00} XXXX XXXX {$300.00} Closed Account - Creditor Name : XXXX XXXX XXXX The account mentioned above is reported as a charged-off account, yet it continues to show an outstanding balance that is being factored into my credit utilization ratio. This is incorrect and does not comply with standard reporting practices for charged-off accounts. 

Charged-Off Account Reporting : If a charged-off account is still reporting a balance, that balance should not be included in the calculation of my credit utilization ratio in the same way as active revolving credit accounts. Charged-off accounts are typically removed from the calculation of available credit, meaning their limits are not considered in the denominator of the utilization ratio. The continued inclusion of this balance has resulted in an inaccurately high credit utilization ratio, adversely affecting my credit score. 

Request for Correction : I respectfully request that Equifax : Remove the balance of the charged-off account from the calculation of my credit utilization ratio. 
Recalculate my credit utilization ratio to reflect the accurate available credit and outstanding balances. 
Update my credit report to reflect these corrections and provide me with a corrected copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: Global Lending Services LLC
State: NY

Complaint narrative:
I would like to have these unauthorized inquiries to be deleted of of my credit report because i did not authorized these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my credit report i have noticed a lot of inaccuracies on my credit report that are harmful to me. i would assist with removing these items, so that i can secure a home loan for me and my family. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law. 

XXXX XXXX : Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
After reviewing my credit report i have noticed a lot of inaccuracies on my credit report that are harmful to me. i would assist with removing these items, so that i can secure a home loan for me and my family. 

I request that you investigate these discrepancies promptly, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. Please conduct a reasonable investigation and provide me with the results within 30 days, as required by law. 

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 explanation
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I XXXX XXXX was affected by the XXXX XXXX just like millions of other American consumers. However, I was never past 30-days late with Chrysler Capital XXXX and my payment shows 30-days late XX/XX/XXXX. Accordingly, I believe that Chrysler Capital should review my account completely, and give me the benefit of a doubt if I was entitled to any relief due to XXXX. Therefore, the 30-day late payment for XX/XX/XXXX should be removed permanently. I did pay my loan in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation