vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts do not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these 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 explanation
Consumer complaint received 2024-06-11 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: TX

Complaint narrative:
I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit reportThe information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
COMPANIES IN QUESTION : XXXX XXXX / THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX formal complaint/goodwill request that you are reporting inaccurate information due to data furnishing error AND neglect of proper plicy and procedure with my private information, causing financial harm. I, the consumer, have provided proof of the alleged debt parked on my consumer report with the account information listed, company is also in VIOLATION with the FCRA for non-response in a 30 day time period. 
Citing 15 USC 1681c-2, we call for the REMOVAL AND DELETION of said parked alleged DEBT, and are in VIOLATION to my consumer rights. 
It is to I, the consumers knowledge, did in fact, PAY FOR ACCOUNT TO BE SETTLED AND CLOSED. Accounts remain open, and are dangerous to, not only my consumer report, but the rights, laws and financial fairness owed to me, by LAW. 
CREDITOR ALLOWED I, THE CONSUMER, TO PAY AN AGREED SETTLEMENT, AND CONTINUING TO PARK ALLEGED DEBT ON REPORT, RESULTING IN DROP IN CONSUMER SCORE

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I used my Southwest Rapid Rewards Plus Credit Card ( a Chase XXXX card ) at a music festival on XX/XX/XXXX. On XX/XX/XXXX I saw on the Chase.com website that there was an unauthorized charge on my card. The charge was listed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$71.00}. I immediately reported it as fraudulent and received an email from Chase telling me they were investigating, and on my next statement I confirmed that they had refunded me that amount. In XXXX I was diagnosed with XXXX XXXX and I spent the next few months focusing on that, so I didn't notice that Chase put the charge back on my card at the end of XX/XX/XXXX. I also didn't notice because they did not email me or send a letter via regular mail to notify me of this. On XX/XX/XXXX I was reviewing my statements and became aware of this. I called Chase that same day and was told by someone in the department that made the decision that they decided I was responsible for the charge because I had " handed ( my ) card to a merchant. '' I explained that I had handed my card twice to a different merchant ( listed on my statement as " & XXXX & XXXX ( BAR ) XXXX CA '' ) but NOT to the merchant that charged me {$71.00}. They told me that the charge had been made using XXXX and that I should contact XXXX to get a refund from them. I contacted XXXX and, after many minutes looking, the rep could not find the transaction at all, and they told me to reach out to Chase again. 
On XX/XX/XXXX I went on the Chase site to find out if the Southwest card had Auto Rental coverage benefits and I found that, lo and behold!, they list " XXXX Liability Protection '' ( " You won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card '' ) as one of the benefits of my particular card. I called Chase ( using the number listed for Benefits questions ) and the rep insisted that Zero Liability Protection is NOT one of the benefits offered by my card. I explained that the site clearly had the last 4 digits of my card number at the top of the page, and the statement " Ilse, your Southwest Rapid Rewards Plus Credit Card comes with great benefits that will help you get closer to your next trip. '' He asked me what site I was looking at and I told him " Chaseloyalty.chase.com, '' but, while acknowledging that it was the correct site, he insisted that I must be looking at a different site and not the one for my specific card. 
I told him that they have to honor the benefits that they list on their website but he refused and told me to " feel free '' to report them to the Attorney General. 
I want Chase to honor what they have displayed on the site mentioned above ( I have screenshots and a video ) and to refund my card the {$71.00} charge I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently opened a new credit card with American Express ( I have been a cardmember with American Express since 2000 with a perfect record of timely payment ). After opening the card, I attempted to set up AutoPay on the account, which would automatically deduct each monthly payment from my bank account ( as is done on my other credit cards ). Somehow, my attempt was not successful, and the first bill was not paid automatically ( on XX/XX/XXXX ). When I realized the next morning ( on XX/XX/XXXX ) that the bill had not been paid, I immediately paid the bill and set up AutoPay for future bills.

For the one day late payment, which may have been the fault of the American Express website for not processing my AutoPay setup correctly, I am being charged {$120.00}, which consists of a late fee of {$29.00} ( above the legal limit ) and interest charges of {$97.00}.

When I contacted American Express, they informed me that since they were not at fault, they would not waive or adjust the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-06-11 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 ACCOUNT NUMBER - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: LEXISNEXIS
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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:
XXXX XXXX ACCOUNT NUMBER- XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec . 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

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 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
When we applied the credit limit was {$2000.00} After a few months it was lowered to {$690.00} I was told by the company they pulled my credit and made a decision to lower my limit. I did not authorize anyone to pull my credit and I agreed to a card with a {$2000.00} limit

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. Mr. Cooper never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from Mr. Cooper and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a Mr. Cooper finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, Mr. Cooper continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, Mr. Cooper is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with XXXX on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, XXXX stated that our dispute was closed on XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I was informaed by XXXX  insurance that an accident the XXXX  XXXX Police determined I was not at fault in, was reported as at fault by Lexis Nexus. They refuse to fix this, and have hung up on me multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: MA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NJ

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!

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. XXXX XXXX never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from XXXX XXXX and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXXXXXX XXXX XXXX XXXX XXXX, a XXXX XXXX finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, XXXX XXXX continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, XXXX XXXX is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with Transunion on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, Transunion stated that our dispute was closed on XX/XX/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 2024-06-11 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: NC

Complaint narrative:
My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. XXXX XXXX never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from XXXX XXXX and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a XXXX XXXX finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, XXXX XXXX continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, XXXX XXXX is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with XXXX on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, XXXX stated that our dispute was closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CA

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation