vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 2024-03-14 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: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
Made purchase on XXXX XXXX XXXX sponsored XXXX XXXX First National Bank of Omaha. Upon receipt Merchant fail to adhere to the terms that were associated with the opening/use of card.. I disputed transaction. Bank failed to comply with the XXXX dispute regulations.

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 2024-03-14 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: MA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE FRAUDULENT AND NEED TO BE REMOVED FROM CREDIT REPORT. PLEASE REMOVE ACCOUNTS. I HAVE SPOKE TO THE CREDITORS AND THEY HAVE NOT DONE ABSOLUTELY NOTHING. ITS BEEN OVER 6 MONTHS PLUS AND NO RESPONSE. MY INFORMATION IS REPORTING INCORRECTLY ON EACH BUREAU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: United PanAm Financial Corp.
State: LA

Complaint narrative:
On XX/XX/XXXX UNITED AUTO CREDIT CORP omitted fraudulent information to the credit bureau. I had voluntary repossession of the vehicle in XX/XX/XXXX, due to it being stolen. I received documentation that they would sale the vehicle at auction and update me with the remaining balance. Also, the fraudulent information that was omitted ensued that I had late payments since XX/XX/XXXX. I haven't paid since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

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 they person knows or has reasonable cause to believe that the information in inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, XXXX, and Equifax to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

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 they person knows or has reasonable cause to believe that the information in inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
XXXX, Equifax, and XXXX is reporting this account with a late payment when it shouldnt be reporting late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, and Experian is reporting this account with a late payment when it shouldnt be reporting late.

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 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
chase bank # XXXX was closed around XX/XX/2023. At the grantor request. However the bank wait a year to charge this account off which lead to a year of late payments and interest charges. I was recently fail into a financial crisis and informed chase about the hardship and didn't receive any resources from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: TN

Complaint narrative:
I am writing to dispute inaccurate and duplicate accounts on my credit report, which have been reported by your agency. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to address these violations.

As per the recent legal precedent set in Westra v. Credit Control Services , Inc. ( 2016 ), it has been established that furnishers of information to consumer reporting agencies must ensure the accuracy and integrity of the information they provide. In this case, XXXX XXXX XXXX XXXX XXXX was found liable for inaccuracies in reporting, highlighting the obligation of furnishers to comply with FCRA requirements. 

The inaccurate and duplicate accounts in question are negatively impacting my creditworthiness and financial standing. Therefore, I demand the immediate deletion of all accounts associated with your organization due to violations of FCRA, specifically inaccurate data and duplicate accounts. 

Furthermore, I have previously requested the following information from your organization to validate the debts and correct the inaccuracies : Errors & Omissions Insurance Number Bill of Assignment file from the Original Creditor for third-party collections Documentation indicating whether your organization has filed an insurance claim or if a 1099-C has been filed Verification of your organization 's license to collect in my state It is imperative that you provide the requested documentation as proof of the validity of these accounts. Until such time that these documents are provided and the inaccuracies are corrected, I demand that all reporting on these accounts be ceased immediately. 

Failure to comply with these demands will result in further legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding the reporting of late payments on my credit report by Discover Bank. As a former customer of Discover Bank, I was disheartened to discover that there are XXXX late payments reported on my credit report, despite my account being closed in good standing and never having any late payments prior to the XXXX state of emergency. 

I wish to bring to your attention the provisions outlined in the Heroes Act, specifically Section XXXX, which amends the Fair Credit Reporting Act ( FCRA ). This section imposes a moratorium on furnishing adverse information during the XXXX emergency period and other declared emergencies, as well as for 1XXXX  days thereafter. The XXXX explicitly prohibits the furnishing of adverse consumer information that is the result of any action or inaction that occurred during the pandemic or other declared emergency. The federal XXXX XXXX declaration began XX/XX/XXXX and ended on XX/XX/XXXX. 

It is evident that the reporting of XXXX late payments on my credit report by Discover Bank during the past XXXX years, coinciding with the XXXX pandemic, is in direct violation of the Heroes Act specifically Section XXXX. As stated in the XXXX, any adverse consumer information resulting from actions or inactions during the pandemic should not have been reported. 

Furthermore, I spoke with a representative named XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX informed me that multiple supervisors were made aware of Heroes Act, specifically Section 110401, which amends the Fair Credit Reporting Act ( FCRA ) yet stated they would not remove the inaccuracies in reporting the late payments that occurred during the XXXX pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 2024-03-14 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
On XX/XX/2023, I made a purchase on XXXX for XXXX sweatshirts and a pair of athletic shoes. The purchase total was {$140.00}. The items were to arrive before XXXX. XXXX of the items were received before XXXX. The third item has to this day not been received. 

In late XXXX, XXXX announced it was shutting down operations. There was no way to contact XXXX, the phone number did not work, their website was not functioning. I reached out to the XXXXXXXX XXXX card company, Synchrony on XX/XX/XXXX and requested a detailed copy of my receipt as I was going to dispute the last item ( a sweatshirt ) not being received. 

Synchrony responded they would try to obtain the receipt and to allow XXXX days from the date of their letter, XX/XX/XXXX. In XXXX, I received a response that they were unable to obtain a copy of the receipt and provided a Billing Dipute form. I completed the form and used the XXXX XXXX message portal to submit my signed form on XX/XX/XXXX. 

I had not received an acknowledgment of my dipute after XXXX weeks so I used their live chat feature and inquired if they had received the dispute form that I had uploaded on XX/XX/XXXX. Their LIVE AGENT chat confirmed the dipute had been received and to allow XXXX  days for resolution. 

I have made payments on all but {$49.00} of the original charge. I've continued to be billed and accrue interest. In fact, after confirming they have my dispute, my payment is still due in XXXX  days. 

I spoke with an agent on the phone on XX/XX/XXXX, she claims they do not have any billing dispute from me except a 'dispute ' that was my request for a receipt.

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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CT

Complaint narrative:
The company had a limited time {$170.00} Referral bonus promotion in which I completed all requirements to receive! The company did not fulfill their promotional guarantee! Ive tried reaching out on many occasions to no avail!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have been trying to connect with Mr Cooper loan servicing company since XXXX XXXX. I got the number from my account on my payment statement sent in the mail. After asking some security question to verify my identity I tried to speak with a service representative but the automated system would not allow - rather it sent me into an endless loop where is asked me question and would not allow me to speak with a service representative. I have been trying to speak with a living and breathing human. This is causing me to become in distress with the problem I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: IN

Complaint narrative:
I got my latest credit report and I noticed an inquiry that doesn't belong to me, this inquiry came from light stream loans, we see that the date on it was late XX/XX/2024, but we never applied for any loan, i would like this removed since it doesn't belong to me.

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 2024-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint narrative:
Good morning, I hope you are doing well. I am writing this complaint because since XX/XX/XXXX, my XXXX XXXX  Citibank XXXX card, through which her pension is deposited, expired. This has caused many inconveniences, as she currently has a XXXX  condition ( advanced XXXX XXXX XXXX and XXXX ) that prevents her from traveling to the United States to reissue her XXXXt card or engage in a phone call with any bank agent. For this reason, since the card expired, I contacted Citibank and was informed that to request a new card, I needed to submit certain legal documents to verify the information. The requested documents were as follows : XXXX  certification justifying my XXXX XXXX XXXXXXXX condition. 
Court document granting power of attorney to me. 
Requested 'Action Required ' letter with the current bank information and the desired updates ( social security number, account details, card type, previous address, previous phone number, current address, current postal code, current phone number ). 
XXXXXXXX XXXX XXXXXXXX of XXXX XXXX XXXX XXXXXXXX. 
All the aforementioned documents were duly apostilled and notarized at the United States XXXXXXXX XXXX XXXXXXXX. Following Citibank 's instructions, these documents were sent on XX/XX/XXXXXXXX XXXX XXXX  certified mail. The delivery of these documents was confirmed to me on XX/XX/XXXX, at XXXX a.m. at the address provided in XXXX XXXXXXXX XXXX However, as of today, XX/XX/XXXX, I have contacted Citibank on several occasions and have not received any response or update regarding the request to update the information, which I understand should have been received on XX/XX/XXXX. 

The response I have received after several calls has been to resend all the legal documents or to travel to the United States, neither of which are viable options. Firstly, because the legal documents that were sent were not copies, and secondly, because these are time-consuming and costly procedures. Additionally, I currently do not have a visa to enter the United States. However, I have attempted to apply for an emergency visa through different channels, but it has not been possible. Currently, the appointment at the embassy is scheduled for XXXX. Therefore, I request that Citibank provide me with a solution or response to the aforementioned case, as despite meticulously following all the processes indicated, I have not received any favorable response, and these resources are needed for the maintenance of my mother due to her XXXX condition.

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 2024-03-14 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: IA

Complaint narrative:
I am a victim of identity theft and data breach through Equifax. I sent in a letter in XXXX to update the information, but I have yet to have my address updated to the correct address. Please see attached.

Company response to consumer: Closed with non-monetary relief