vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found
State: NC

Complaint narrative:
XXXX  places duplicate holds for each trip I take using their drivers. The initial one is legitimately what I authorize them to make in order to pay for my trip but I do not authorize them to place another hold on my account, besides. The second is illegal because it is not authorized by me. The bank I use simply accespts those holds, but it is clearly wrong. The second is that XXXX is a technology-based service and one would expect their holds to last no more than a day after the completion of a trip. On average the holds last 4 days and nothing justifies this reckless conduct. Besides, the holds I authorize which are legitimate XXXX may place other holds days after the trip was concluded and they do not care to explain why. Every time, I have complained they have no customer service personnel answering questions so their website requests me to send the documentation accompanying the complaint. Sad story is that they never revert to me to fix the problem. I have come to understand from other users of both XXXX and XXXX that this is the way these two companies do business here in the United States. XXXX does not do that in that countries and it is not even standard practice in other countries where the rideshare services exist. 

There is also an unfair business activity XXXX and XXXX engage in. If a rider is not immediately available to ride when the driver arrives, after 5 minutes the driver can cancel the trip and charge the rider anything between {$3.00} and {$10.00}. Similarly XXXX levies extra charges after 2 minutes of a driver arriving at a pick up. Their drivers delay riders all the time, but there is never any compensation for our lost time. If it is good for them to charge riders for missing rides and or delaying the pick ups, it must be equally good for them to compensate riders when their drivers routinely cancel trips. 

The net effect of this conduct on poor people like me is that XXXX places more holds than they should on my money thus denying me access to my money for days on end. This conduct is wrong if not criminal. This needs to be thoroughly investigated, and they must be punished. My complaint is about conduct that is wrong and the majority of these rideshare companies have now gotten used to the illegal treatment. For the avoidance of doubt, there is not a single way to justify their system not completing their trips like they used to do with all the necessary charges calculated at the end of a trip. Anything else is illegal, wrong and an inconvenience to users like me. This must be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a natural disaster in XXXX Texas and no lights for over 13 days. After I regained electricity I called citi bank Home Depot credit card service and was advised That I would be enrolled in a XXXX disaster relief program and that it would defer my payments and keep y as count from defaulting. I was also apprised that it would not impact my credit limit. I would also not be receiving collection calls. The following Saturday on XXXX XXXX I received a debt collection call and was told my credit limit was dropped. I now can longer afford windows to put them on my credit card my credit limit went from XXXX to XXXX and now this will impact my credit score and place me at risk for my other card to drop as well. The rep explained. To me the system did not update and it triggered that credit limit decrease.

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 2024-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I XXXX  from XXXX XXXX XXXX in XXXX. I have applied for a Borrower Defense to Repayment for loan forgiveness. Currently I have not heard anything regarding the status of this loan forgiveness application. I have also emailed Navient requesting their Navient school misconduct discharge application XX/XX/XXXX with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion, XXXX, and XXXX are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable 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 non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
With specific regards to FCRA code XXXX : 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 XXXX ( b ) of this title is mailed or delivered to the consumer. 

Failure to report these late payment accurately is a violation of consumer right to privacy and other rights under FCRA. XXXX is entitled thorough investigation of complaints as FCRA guarantees and any failure to do so is a violation where financial damages can be sought. Simply stating XXXX is not sufficient of a thorough investigation. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called experian on XX/XX/year>, to file a credit dispute. I dialed ( XXXX ) XXXX. I spoke to a female dispute agent on or around XXXX XXXX  PDT. The female agent disconnected the call at the very beginning. This is call-avoidance and violates certain consumer laws. This is not a one-time isolated event. Experian has a pattern and practice of phone calls disconnecting on consumers and it is inappropriate. It gets worse, I called experian back on or XXXX XXXX PDT. This time it was a female agent from XXXX XXXX. All of a sudden she stopped talking. There was a long moment of silence. My phone was still connected so I know it wasnt my phone that disconnected. Please see case complaint no. : XXXX. 
I seek to hold Experian accountable. In addition, I have the phone calls recorded as evidence.

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 2024-07-22 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: MI

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: MA

Complaint narrative:
I am writing to dispute the reporting of charged-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code {$1600.00}.

According to 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a consumer report under certain circumstances, such as with the written consent of the consumer. I have never provided written consent for XXXX, Equifax, XXXX, creditor in relation or any of its affiliates to report charged-off accounts on my credit report. 
Furthermore, The FCRA mandates that consumer reporting agencies and furnishers of information must ensure the accuracy and privacy of consumer information. As such, I demand the following actions be taken immediately : 1. Remove unauthorized charged-off accounts : Please provide documentation showing that I gave written consent for the reporting of each charged-off account listed on my credit report. In the event there is a charged off account, I am to be provided a 1099c and request that and if not given am permitted the accounts be removed. In the absence of such documentation, I demand that these charged-off accounts be removed from my credit report. 
2. Cease and desist further reporting of charged-off accounts : I request that XXXX, Equifax, XXXX cease XXXXny further reporting of charged-off accounts without my explicit written consent.

Failure to comply with these requests may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a response detailing the actions taken to address my concerns within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX of Accounts : XXXX XXXX XXXX  ( Balance of XXXX ) XXXX Date opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance of XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance ) Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance XXXX closed XXXX ) account paid in full Paid in settlement. {$320.00} written off. 
Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance of XXXX ) Date opened : XXXX XXXX, XXXX Chargeoff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: MA

Complaint narrative:
I am writing to dispute the reporting of charged-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code {$1600.00}.

According to 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a consumer report under certain circumstances, such as with the written consent of the consumer. I have never provided written consent for XXXX, XXXX, Experian, creditor in relation or any of its affiliates to report charged-off accounts on my credit report. 
Furthermore, The FCRA mandates that consumer reporting agencies and furnishers of information must ensure the accuracy and privacy of consumer information. As such, I demand the following actions be taken immediately : 1. Remove unauthorized charged-off accounts : Please provide documentation showing that I gave written consent for the reporting of each charged-off account listed on my credit report. In the event there is a charged off account, I am to be provided a 1099c and request that and if not given am permitted the accounts be removed. In the absence of such documentation, I demand that these charged-off accounts be removed from my credit report. 
2. Cease and desist further reporting of charged-off accounts : I request that XXXX, XXXX, Experian cease any further reporting of charged-off accounts without my explicit written consent.

Failure to comply with these requests may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a response detailing the actions taken to address my concerns within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX of Accounts XXXX XXXX XXXX XXXX ( Balance of XXXX ) XXXX Date opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance of XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX balance ) Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance XXXX closed XXXX ) account paid in full Paid in settlement. {$320.00} written off. 
Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance of XXXX ) Date opened : XXXX XXXX, XXXX Chargeoff

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 2024-07-22 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts. Please remove these accounts from my report as they are affecting my ability to obtain credit.

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 2024-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I applied for a personal loan online on XX/XX/2024 on the Penfed Credit Union website for the loan amount of {$13000.00}. I applied as a single applicant and was denied. After being denied my spouse agreed to be added as a joint applicant. We were denied on the joint application as well. I spoke to Penfed on the same date to understand the reason for denial as I have an outstanding credit score/history. Penfed indicated that they would be mailing a letter of denial with the denial reason. We both received the letter of denial with the same reasons of denial as follows : utilization of accounts, number of accounts, and/or occurrence of a derogatory event. 

The reasons provided by Penfed for denial are ambiguous due to the fact that : - On the same date, XX/XX/2024 after the denial from PenFed I applied as a single applicant for the same amount and loan type with another lender online and was approved in minutes. 

In addition my credit details are as follows : - XXXX XXXX of XXXX ( per Penfed ), and XXXX by XXXX - A credit usage percentage of XXXX XXXX ( less than XXXX XXXX  is considered good ) - Total outstanding balances {$6300.00} - XXXX credit card accounts open ( XXXX accounts with a XXXX balance owed and XXXX with a balance of {$6000.00} owed ) - No history of late payments - No negative or derogatory history Due to the reasons for denial being untrue and my strong and solid credit history. I have no other reason to believe that disparity is confirmed and that I was denied due to the fact of having an XXXX American, XXXX name, and being XXXX years of age. This leads me to believe that PenFed is engaged in unfair credit lending practices.

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 2024-07-22 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: Early Warning Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX Consumer ID # XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX TN XXXX Early Warning Services LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Im writing to do an investigation on the following information on my consumer report. I have never opened or used these following account number as for my information has been exposed to XXXX data breach and XXXX XXXX XXXX data breach. 
Bank : XXXX XXXX XXXX. Date opened : XX/XX/XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXX. Date opened XX/XX/XXXX Account # XXXX Routing # XXXX Bank XXXX XXXX. Date opened : XX/XX/XXXX Account # XXXX Routing # XXXX I dont recognize the accounts in question. I am a victim of identity theft and I dont recognize these accounts on my consumer report. I request the following information be deleted from my Early Warning Services Consumer report immediately and I attached a copy of the report to go with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a Capital One Quick Silver credit card in the mail. I never applied for this card nor do I know anyone who would have applied under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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