vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
upon reviewing my credit report, I noticed some inquiries that I did not make, I called the bureau and told them about this, and they said it was a statement of fact and that they had nothing to do with it. the inquiries I have are shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these inquires, they need to be removed 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 non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to bring to your attention a series of issues I have experienced with my credit card accounts. Even before I had an official account with this company, another cardholder somehow added my information to their account without my approval. As a result, I received a notice stating that I owed money, despite not being the cardholder. When I inquired, I did not receive a satisfactory explanation of how my information was obtained. 

Later on, I decided to apply for a credit card with this company to boost my credit score as I was trying to purchase a residence. During the XXXX pandemic, I was out of work for nearly XXXX months. Despite my efforts to seek assistance, the credit card companies informed me that they did not offer any XXXX relief options. 

During this time, I encountered numerous issues, particularly with interest rates and fees. On one occasion, an issue arose when I scheduled a payment, and due to their use of AI in their banking system, a duplicate payment was attempted. Consequently, the payment was rejected due to insufficient funds, which I explained to the credit card company. 

The company claimed I had set up auto payments, which was incorrect. My paydays fluctuate, so I never used auto pay. Despite explaining this, my accounts were eventually closed without prior notification. Representatives gave conflicting reasons for the closure, ranging from suspicious activity to a payment reversal clause that was not clearly outlined in the original agreement. 

Additionally, the late fee on one of my accounts increased from {$25.00} to {$40.00} without proper notification. I am still waiting for an explanation regarding this increase. Although I have been diligently paying down my accounts, I feel that the company is unfairly penalizing me with additional fees as I near completion of my payments. 

For example, on one account with only {$50.00} remaining, I was charged an additional {$40.00} fee due to a minor late payment of {$51.00}. On another account, a balance of {$170.00} suddenly ballooned to {$300.00} due to added fees. 

I am requesting a thorough review of my accounts and a clear explanation of these issues. I believe that the errors made by the credit card company should not result in additional penalties for me. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: GA

Complaint narrative:
Reviewing my Consumer Reports, I discovered some instances of late payments on an account of mine which Ive always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have made all my payments on time on the account : ( XXXX XXXX ), ( XXXX ). I request a thorough investigation into these discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without any delays.

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 2024-07-12 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: NJ

Complaint narrative:
I am a victim of identity theft and I have a FTC Affidavit that I submitted to the consumer reporting agency but they have refused to remove the fraudulent account. 

I have no knowledge of the accounts and requested EQUIFAX and the alleged creditors XXXX XXXX XXXX XXXX XXXX XXXX  to provide me with information regarding their decision and they are violating my consumer rights by refusing to provide me with proof. 

I wrote to Equifax on XX/XX/year> regarding their decision that the accounts were allegedly verified. 

Equifax falsely claims to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. If Someone fraudulently used my information without my authorization then clearly numbers in their database will match up but this method of verification is not lawful proof of the debt. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: IL

Complaint narrative:
Any and all consent to XXXX, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ), 15 USC 1681 ( a ) ( 5 ) I was never informed of my right to exercise my nondisclosure option. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states 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.15 US Code 1681e, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.Unauthorized fraudulent inquiries into my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-12 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: CO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 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 2024-07-12 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. With Experian on XX/XX/year>, I submitted documents to support the removal of this incorrect information. Unfortunately, The representative informed me that a third-party verification service was used to validate my information. This practice is in violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I have opted out of third-party information sharing, raising concerns about how my information was obtained and who verified it. 
I request an immediate investigation into this matter and the prompt removal of the inaccurate information from my credit report. Please provide me with details about the third-party verification process, including the identity of the individual or entity who verified my information.

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 2024-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Account number XXXX The car place Toyota XXXX XXXX XXXX XXXXXXXX; sold me a Toyota XXXX XXXXXXXX for {$10000.00} starting XX/XX/XXXX they started attacking XXXX the bank I had at the time! Taking over {$1000.00} without the car note being due. I asked them to stop they kept on daily through XXXX. In XXXX of XXXX they started threatening to repossess after {$2400.00} in payments. I volunteered the company on XXXX XXXX. I noticed in XX/XX/XXXX they say I owed {$15000.00} but they sold the car in XXXX when I was told the car sold to me for {$10000.00}. Yet XXXX said we need payment of {$8000.00} but no paperwork I dont have anything! Informed on XXXX XXXX if I agree to payment arrangement of {$4000.00} dropped down without seeing any paperwork. I stated I have no paperwork of proof of sold car first and Ill look over and see. I didnt agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries 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 non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello to whom this letter may concern, My name is XXXX XXXX last 4 of my socialXXXX I applied for a navy federal account where they gave me the run around for weeks about documents and i had to call in over 50 plus times to make sure they had the documents. I finally get a navy federal account and I noticed that they didn't even put my XXXX dollars that I sent over for my bank account to be open. So i decided to go in a branch where me and my brother XXXX XXXX ( sponsor ) went into the branch and I tried to pay it only to find out that my account had been closed .No reasoning or anything just some information that was incorrecta simple mistake that could have been fixed. Instead, they decidedto restrictmy account. I explained I didn't know what the issue was as I have never had a accountwith navy federal this has left me in distraught as I closedmy bank account with XXXX  and was planning on movingmy business accounts to navy federal now im outof luck I'm asking can you guys please look into this issue the correct way. I have never heard of a bank to ever do this in my entire life .Please I'm asking that you guys unrestrict my account I never had any problems with any bank this was my first time. My child father who is in the XXXX suggested that I get a Account because it would be easier also for him to send payments wile XXXX XXXX XXXX and set up our child rust fund. This has really put a toll on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank is the mortgage servicer on one of my mortgages. I recently request to close my escrow account at PNC Bank and manage my insurance and property taxes myself without an escrow account. PNC Bank is requesting that I pay a fee of over {$750.00} in order to close my escrow account with them. The justification for this fee from PNC Bank was that I received a discount at closing for have an escrow account and they are attempting to recover that initial discount cost. First point, I never received any discounts for having an escrow account when i opened my mortgage. The escrow account was mandatory. Second point, PNC Bank was not my mortgage initiator. PNC Bank is the third mortgage servicer for my mortgage so they had nothing to do with my initial mortgage. Third point, I have 4 mortgages in total being serviced by XXXX, XXXX XXXX, PNC Bank and XXXX XXXX. I requested to close my escrow account with all my mortgage servicers and all agree, with no fee, except for PNC Bank who is attempting to extort an unnecessary and exorbitant fee in order to allow me to manage my own insurance and property taxes. Also, the mortgage was previously managed by XXXX XXXX before it was transferred to PNC Bank. XXXX XXXX charges no fees to close escrow accounts. Lastly, I reviewed my initial mortgage closing documents and found not discounts for having an escrow account, or any fees related to closing an escrow account. I would like to close my PNC Bank escrow account, with no fees, and continue to pay my mortgage as i always have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
My account with XXXX XXXX  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 in XX/XX/year> to be removed. 

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. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

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 2024-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Without any type of notice, PayPal ( and XXXX since they are connected ) has permanently limited my account. I have tried call several times and they said that a manual review was done, and they made that decision. They did not give me any more information into why it was permanently limited/banned. Now, I can not retrieve my existing funds and they would not send me to a supervisor to give me more information. They are holding my account and not allowing me to withdraw my funds for 180 days. Like I said... there was NO warning or any more information that was provided to why they took that action. I'm frustrated and just want this ban to be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed my credit reports from all three major credit bureaus and noticed that items under XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX with account number XXXX have been removed by XXXX after their investigation found them to be inaccurate. I have attached a copy of the updated credit report from XXXX showing these removals. 

Despite this, the same items remain on my credit reports with XXXX and Experian. I have contacted these bureaus, provided evidence, and requested the removal of the inaccurate information. However, they have not taken the necessary action to correct my credit reports. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information. 

This continued presence of inaccurate information is causing significant distress and financial harm. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information.

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 2024-07-12 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: OH

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 non-monetary relief