vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Target credit card payment posting delay. 
I have a Target credit card with a limit of {$600.00}. I am set up on autopay, but I usually pay the balance off in full each month because I do not want to pay any interest. On XX/XX/2024, I made a one-time credit card payment of {$540.00}. My Target credit card account is linked to my XXXX checking account. The {$540.00} amount was withdrawn from my checking account on XX/XX/2024. However, on XX/XX/2024, when I tried to use my Target credit card, my transaction did not go through. I spoke with a supervisor who indicated payments can take up to 14 days to post to customer accounts. I thought that was odd since the payment was removed from my checking account as of XX/XX/2024. On XX/XX/2024, I tried to use my credit card and I received an error message. I am still unable to use my Target credit card. I called and spoke with a supervisor named XXXX who indicated the hold was because I was near my credit limit. It appears Target is holding and probably earning interest on customer payments during their payment verification process. Note this was an ACH payment. I checked both accounts and confirmed the payment debit from my checking account and the payment posting on my Target credit card account.it seems as though Target imposes an undue waiting period to release fund availability on customer accounts. I attached screenshots of my XXXX checking account statement, Target credit card home screen, and my Target credit card statement. I believe there is a pattern with these types of transactions as I previously closed my Target credit card because of this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am rewriting the complaint to NAVY FEDERAL CR UNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Dear Net Credit Team, Re : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX GA XXXX I am writing to bring to your attention the provisions outlined in 15 USC 1691 and 12 CFR 1002, which pertain to the Equal Credit Opportunity Act ( ECOA ) and the implementing regulations of the Consumer Financial Protection Bureau ( CFPB ). These laws prohibit credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. As a consumer, I value the protections afforded by these laws, which ensure that all individuals have equal access to credit opportunities and are treated fairly and without discrimination in the credit application process. It is important for financial institutions and creditors to comply with these laws to promote fairness and equality in lending practices. I trust that your organization is committed to upholding the principles of nondiscrimination and fair lending as mandated by 15 USC 1691 and 12 CFR 1002. I appreciate your attention to this matter and look forward to continued compliance with these important regulations. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I am currently leasing a XXXX  XXXX XXXX XXXX  and paid extra for an upgraded premium XXXX surround sound. The premium sound system has not worked since the lease of the vehicle and has been an open ticket with no resolution and is effecting the value of my vehicle. I am expected to continue to make my monthly payments while not receiving the product I paid for. It has been 9 months with no resolution to fix the problem and no resolution on being put into another vehicle. I have contacted XXXX XXXX and get the run around as well as The XXXX XXXX with unsatisfactory results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX acct XXXX. I turned in daughters lease in Mississippi In XXXX. Probably over a year later my daughter gets random phone call from XXXX saying we owe over {$2000.00} on that car. No correspondence, no breakdown. I reached out to XXXX asking for this information. I called several times to arrange for payment plan but each time I called it was like the first time calling. Very frustrating. Mind you I was never late on lease payment and I have excellent credit. At some later point I receive a letter stating a negotiated price of payoff of XXXX. But of course that amount was due in 2 weeks or so which I didnt have. I did send them the XXXX amount but probably 2 months later. I figured it was paid off. Then my credit score takes a hit of over XXXX point down because I now have a delinquent charge. I reached out asking for it to be removed but they refuse Its so unfair and such poor business

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I. ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTED CONSUMERS RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681 CONVERGENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATED MY RIGHTS, ACCORDING TO THE FOLLOWING : XXXX. 15 U.S.C 1681 SECTION XXXX ( A ) STATES THAT I HAVE THE RIGHTS TO PRIVACY. 
XXXX. 15 U.S.C 1681XXXX XXXX SECTION XXXX : IT ALSO STATES A CONSUMER REPORT AGENCY CAN XXXX FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 
XXXX. 15 U.S.C. 1681C SECTION ( A ) ( XXXX ) STATES NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TERMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORM OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 
XXXX. 15 U.S.C. 1681-2 ( A ) ( XXXX ) A PERSON SHALLNOT 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 ACCURATE.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX

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

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2024-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have been using American Express ( AMEX ) Credit card from the end of XXXX in XXXX. And I have been using AMEX app since XXXX. 
I opened XXXX XXXX XXXX account in XXXX on the phone using AMEX app. 
I tried to internet transfer {$80000.00} to AMEX from XXXX  XXXX XXXX ( XXXX ) XXXX XXXX. 
Transfer was returned on XXXX XXXX. 
I tried to internet transfer {$80000.00} and {$10000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
Transfers were returned on XXXX XXXX. I thought they might have upper limitation to transfer at one time, so, I tried to transfer {$10000.00}. 
I tried to internet transfer {$90000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
Transfer was returned on XXXX XXXX. 
I thought I wrong routing number, I set again. 
I tried to internet transfer {$90000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX transferred {$90000.00} on XXXX. 
I received email from AMEX about " statement available '' on XX/XX/XXXX. 
I received an email from AMEX about " online enrollment restricted '' on XX/XX/XXXX. 
I called AMEX XXXX. 
They said they have decided to close my account due to business decision. 
They asked me to talk with XXXX  XXXX XXXX to recall this fund. 
I visited XXXX  XXXX XXXX 4 times to solve this issue. 
I called ACH, fraud clime team of XXXX several times. 
AMEX said only that i asked XXXX to recall this fund. 
XXXX said they couldn't recall this, because this was not fraud. 
But unfortunately, I am stuck. 
I am not sure that this was fraud. But could you please survey this issue.

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

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-06-06 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: TN

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the reporting of a debt collection to the Consumer Financial Protection Bureau ( CFPB ) by TransUnion. As we discussed previously, the debt in question was incurred when I was a minor, and pursuing collections on such a debt raises legal concerns. 

Despite the legal implications, I recently discovered that TransUnion has reported this debt to the CFPB, which has potential ramifications on my credit report and financial standing. I am deeply troubled by this discovery, as it suggests a violation of consumer protection laws and regulations. 

I want to emphasize the seriousness of this matter and the impact it could have on my financial well-being. It is imperative that immediate action is taken to rectify this situation and ensure that any erroneous reporting to the CFPB is corrected. 

I kindly request your assistance in addressing this issue promptly and advocating on my behalf with TransUnion to remove any inaccurate reporting related to this debt from my credit file. 

Thank you for your attention to this matter, and I look forward to your prompt response and resolution.

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 2024-06-06 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: TN

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the reporting of a debt collection to the Consumer Financial Protection Bureau ( CFPB ) by XXXX. As we discussed previously, the debt in question was incurred when I was a minor, and pursuing collections on such a debt raises legal concerns. 

Despite the legal implications, I recently discovered that XXXX has reported this debt to the CFPB, which has potential ramifications on my credit report and financial standing. I am deeply troubled by this discovery, as it suggests a violation of consumer protection laws and regulations. 

I want to emphasize the seriousness of this matter and the impact it could have on my financial well-being. It is imperative that immediate action is taken to rectify this situation and ensure that any erroneous reporting to the CFPB is corrected. 

I kindly request your assistance in addressing this issue promptly and advocating on my behalf with XXXX to remove any inaccurate reporting related to this debt from my credit file. 

Thank you for your attention to this matter, and I look forward to your prompt response and resolution.

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

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the reporting of a debt collection to the Consumer Financial Protection Bureau ( CFPB ) by XXXX. As we discussed previously, the debt in question was incurred when I was a minor, and pursuing collections on such a debt raises legal concerns. 

Despite the legal implications, I recently discovered that XXXX has reported this debt to the CFPB, which has potential ramifications on my credit report and financial standing. I am deeply troubled by this discovery, as it suggests a violation of consumer protection laws and regulations. 

I want to emphasize the seriousness of this matter and the impact it could have on my financial well-being. It is imperative that immediate action is taken to rectify this situation and ensure that any erroneous reporting to the CFPB is corrected. 

I kindly request your assistance in addressing this issue promptly and advocating on my behalf with XXXX to remove any inaccurate reporting related to this debt from my credit file. 

Thank you for your attention to this matter, and I look forward to your prompt response and resolution.

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 2024-06-06 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: UT

Complaint narrative:
On XX/XX/year> at XXXX I was served papers claiming to be from the First District Court for XXXX XXXX XXXX Utah . The papers i was served included a Summons, a Complaint, and the paperwork showing that my debt was purchased from the original owner of the debt. The paperwork was all dated XX/XX/year> and stated that i must file a written answer within 10 days or else " judgement by default will be taken against you for the relief demanded in said complain. '' I first attempted to contact the company but could not reach anyone, i could only get an automated system so I then contacted the First District Court to verify if these documents were real and the courts have no record of any summons or complaint. The company that has violated my rights under the FDCPA by fabricating false government court documents and threatening with a false lawsuit is, Jefferson Capital Systems , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
This accounts was never late, please ensure that all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent dispute letters to Experian, XXXX XXXX XXXX on XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. I have not received the results of any investigations into the items I disputed.

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief