vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: MO

Complaint narrative:
I looked at my credit report on XX/XX/year>, and notice some things are still incomplete and not accurate. Account are still not updated. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates 15USC 1681 ( a ) Accuracy and Fairness Of Credit Reporting.These Accounts XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. I have attached my dispute document below with for these accounts All disputes are authorized by me and sent by mailing service that I use, it is not illegal to use a mailing service. Equifax please investigate my specific dispute authorized by me attached below. 


[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other Consumer reporting agencies on XXXX and XXXX. This account is inaccurate and incomplete ( Please see attachment first dispute attachment labeled XXXX below. 


[ XXXX XXXX XXXX ] Open date is not reporting incorrectly, Balance is not correct and inconsistent, Date last activity is not correct and is inconsistent with XXXX and XXXX reporting, date of last payment is not correct and is inconsistent with XXXX and XXXX reporting. No balance and balance owed is reporting. 

[ XXXX XXXX XXXX XXXX ] This account is not reporting consistent with the other consumer reporting agency on XXXX. This account is inaccurate and incomplete ( Please see XXXX attachment labeled XXXX. 

XXXX XXXX XXXX account is reporting incorrect Date of last activity and is inconsistent with XXXX reporting, Last payment is incorrect and is inconsistent with XXXX Reporting. Date reported is inconsistent with XXXX reporting. Account is showing a balance. You can not report a balance on a charged off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have bought a ticket for myself and my girlfriend with my capital one credit card for our flight on XXXX XXXX from XXXX to XXXX XXXX, with XXXX XXXX XXXX XXXX instructed us to be at the airport XXXX hours prior to the flight, we arrived XXXX hours prior however XXXX lane took us over XXXX hours to clear, and we had to miss out flight, and trade show I was attending to, my investment on trade show as well as hotel stay is lost. 

XXXX XXXX manager on duty at the XXXXXXXX XXXX was witness and she said she will help us get a refund, I emailed her, she again said on the email she will try her best but nothing. 

I have filed dispute with my credit card, and my credit card did not fight for me. My credit card company supposed to protect me but they failed to show effort. I have sent them the email between me and spirit airlines manager on duty, and they said " XXXX didnt agree, she just said she will try her best ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On Friday XX/XX/XXXX I called ally bank because I noticed unauthorized activity on my debit card I was put through to the fraud department after the weekend on XX/XX/XXXX th I called back I discovered that there were not any disputes filed so this time I was transferred to the card disputes department who opened the disputes on my behalf for on XX/XX/XXXX I was sent an email that there was unusual activity on my account I called the next morning to be told by the loss prevention department that my accounts were going to be closed every since then my accounts have been frozen with no access to my funds on XX/XX/XXXX I noticed they let a charge go through so I sent myself a bill pay thinking my account was unfrozen and it would be the simplest way to get my funds out I deposited my bill pay check into my new account on XX/XX/XXXX I received an email informing me my {$14.00} rush processing fee had been declined due to insufficient funds my fear is that my bill pay check will receive the same treatment causing me to have deposited a check that wont be honored needless to say if that happens on my new checking account it will most likely be closed I am 25 days into this process this bank does not adhere to consumer protection laws at all it has caused me extreme hardship it promised XXXX liability debit card protection instead I have had all access to my funds denied I cant pay my bills and since I dont have a car I cant even XXXX anywhere if they do not honor my bill pay check they will also cause me to have a bad banking mark and possibly not be able to secure another bank account at this point the bank is deciding where I can spend my money choosing what is important enough to be paid and whats not I did not give the bank that authority I choose not them and causing me to bounce a check this bank is nothing more than a criminal organization and should be shut down that they are getting away with this is ridiculous I am clearly being discriminated against because I have a small consumer account and I am poor and honestly probably because Im a woman if I had the money to hire a lawyer I would have my money instead Im facing losing phone service and my home while the XXXX cats sit there in judgment deciding how my money should be spent and causing me future banking and credit problems from this all while openly and arrogantly violating my consumer rights and nothing happens I call almost daily email almost daily and Im told someone will call me within 2 days then within XXXX days my phone still hasnt rung and since it will be turned off soon wont ever ring

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of my credit information to FICO, which is in violation of consumer protection laws in the state of Texas. Despite updates being made to my credit profile, these changes have not been reflected in my FICO score since XXXX, and it is now XXXX. They are reporting to XXXX just fine but fail to report to FICO. I've spoken with FICO directly and they confirmed this. None of my credit monitoring for FICO are updating my FICO scores as well. I pay a fee monthly for my FICO scores so for Equifax to not be reporting is very frustrating. 

According to the Texas Finance Code, Chapter 20, Subchapter E, Credit Reporting Agencies are mandated to maintain accurate information and promptly investigate disputes. The failure to update my credit information with FICO scores in a timely manner constitutes a breach of this requirement. 

This discrepancy has caused considerable frustration and concern for me as a consumer, as my ability to access credit and financial services is being hindered by outdated information. As per consumer protection laws, it is imperative that credit reporting agencies like Equifax ensure the accuracy and timeliness of the information they provide to credit scoring systems. 

I have taken proactive steps to address this issue by reaching out to Equifax directly, but have yet to receive a satisfactory resolution. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to help rectify this matter promptly. 

I kindly request that Equifax promptly update my credit information with FICO scores to reflect the most accurate and current data available. Additionally, I would appreciate a thorough investigation into the cause of this reporting delay and assurances that similar issues will be prevented in the future. 

My address is up to date with Equifax and so is any other information. Obviously, because you have no problem reporting this to XXXX. Attached is a copy of proof that I am having this issue with Equifax FICO reporting, a copy of my utility bill for proof of address, and a copy of my passport.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I qualify for all three of these Draft Rules to Provide Debt Relief to Millions of Borrowers. Since the Department of Education insists that they do not have any paperwork from before XXXX. Let me provide you again with some of the paperwork that proves the validity of my claims. 
1. Helping borrowers who enrolled in low-financial-value programs or institutions a. The XXXX XXXX XXXX XXXX was a for-profit school that I graduated with my XXXX  XXXX  back in XXXX of XXXX. I sent in a XXXX XXXX XXXX XXXX back in XXXX, and I still do not have this debt forgiven. The XXXXXXXX XXXX XXXXXXXX Settlement attests to this school being a very low-financial-value program. 
2. Eliminating student debt for borrowers who entered repayment at least 20 years ago : The proposal would permit student debt forgiveness for borrowers with only undergraduate debt if they first entered repayment at least 20 years ago ( on or before XX/XX/XXXX ) a. My XXXX XXXXXXXX degree ( proof attached ) was completed on XX/XX/XXXX. 
3. Cancelling runaway interest : One would permit automatic relief of up to {$20000.00} of the amount by which a borrowers loans currently exceed what they owed upon starting repayment. A separate rule would permit the Secretary to forgive the full amount by which a borrower saw their balance grow after entering repayment if the borrower is enrolled in any Income-Driven Repayment ( IDR ) plan and has annual income equal to or below {$120000.00}. 
a. Original Loan Date 1 - XXXX - XX/XX/XXXX {$2600.00} Original Loan Date 2 - XXXX XXXX XXXXXX/XX/XXXX {$3500.00} Original Loan Date 3 - XXXX  - XX/XX/XXXX {$780.00} Original Loan Date 4 - XXXX - XX/XX/XXXX {$350.00} TOTAL for my XXXX XXXX  Degree on XX/XX/XXXX - {$7200.00} TOTAL for my XXXX XXXX  Degree on XX/XX/XXXX ( 24 years later ) - {$17000.00} This latest total is {$9900.00} OVER the original loan amount in just interest. ( see attached for original loan information )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Year XXXX 's Travel Together Ticket offered by Chase British Airway Visa card. 

I am entitled to a Travel Together Certificate for the 2023 year because I had met the {$30000.00} spending requirement. 

The spending requirement should be based on the CALENDAR YEAR which is stated clearly on British Airway 's website. However, Chase insisted that I did not meet the requirement because of my XX/XX/XXXX statement 's cut off date of XX/XX/XXXX. This is NOT what the requirement says. I had discussed this with Chase over the phone and had it escalated with Chase. However, I was only getting standard answers saying I did not meet the spending requirement without anyone 's actually looking into the issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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
Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunlight Financial LLC
State: FL

Complaint narrative:
RE : Loan # XXXX XXXX XXXXXXXX XXXX XXXX Sunlight Financial Account number XXXX In XXXX XXXX, new windows were installed on a private residence. The contractor facilitated the loan process with Sunlight financial. The loan was for {$26000.00} with an introductory APR of 0 % until XX/XX/XXXX. 

We had set up an autopayment of {$2000.00} and called XXXX of XXXX to request a payoff quote. The agent quoted us {$260.00} and we had assumed this was for the remaining balance after the automatic draft that is processed at the end of the month. 

An automatic draft continued to come out of our account in XXXX and XXXX. After contacting Sunlight financial they claimed since we had not paid off our loan on time, they applied all the payments toward our interest when the monthly payment amount on the contract states {$260.00}. The interest charged was an exorbitant 21.990 % accrued on a daily basis. 

After noticing this error and paying off the entire amount quoted on the pay off balance of {$2600.00} Sunlight Financial still charged us the daily interest of {$1.00}, that is showing online. 

We request a refund of {$4400.00} interest paid between the XXXX months between XXXX and XX/XX/XXXX. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have recently appeared on my credit profile. Upon reviewing my credit report, I discovered these inquiries, and I can assure you that I did not authorize any entity to access my credit information for the purposes indicated by these inquiries. 
i have raised this concern a few months ago but it was not properly addressed. 
I request that you conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. Additionally, please provide me with written confirmation once these inquiries have been removed. 
thanks

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 2024-04-16 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have recently appeared on my credit profile. Upon reviewing my credit report, I discovered these inquiries, and I can assure you that I did not authorize any entity to access my credit information for the purposes indicated by these inquiries. 
i have raised this concern a few months ago but it was not properly addressed. 
I request that you conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. Additionally, please provide me with written confirmation once these inquiries have been removed. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MECHANICS BANK
State: TX

Complaint narrative:
On or around XX/XX/2024 i sent a dispute letters concerning items that were negatively reporting on my credit report! These accounts do not belong to me and i asked for them to be removed immediately! A consumer reporting company may not provide a consumer report under FCRA section 15 USC1681 ( b ) under permissible purposes!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/22, XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-04-16 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/22, XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My orgininal mortgage lender is XXXX XXXX in XX/XX/XXXX. By XX/XX/XXXX, it had been transferred without my permission and notice to XXXX XXXX XXXX. I did not complain about the transfer to XXXX. Before the transfer to XXXX, XXXX XXXX sent me a letter stating the loan had been PAID IN FULL, which is accurate. Then, again, when it was transferred to XXXX transferred the mortgage to Shellpoint. XXXX sent me a financial bank statement stating, the mortgage had been lowered to about {$1200.00}, and a payment was paid ( this is proof by Shellpoint ). The financial bank XXXX statement also stated that the mortgage had been PAID IN FULL, which is accurate again as confirmation from XXXX XXXX. However, I am STILL the OWNER of the mortgage and home. As well, I am STILL the owner of the mortgage. Shellpoint by law must honor the financial institution 's ( XXXX XXXX XXXX statement ) that the mortgage has been PAID IN FULL by sending a letter to XXXX XXXX and transferring the PAID IN FULL mortgage back to them, as the original lender. Or, Shellpoint must honor the letter from XXXX by agreeing with XXXX in the letter and sending it back to XXXX, with it having been PAID IN FULL as XXXX already stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Always have the wrong information I like to call the original contracts

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