vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I have unauthorized inquiries on my credit report : My personal information has been compromised : XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Ive received numerous harassing calls from Portfolio debt collections for my XXXX account that I purchased a {$200.00} microwave on. Paid on my XXXX acct for 6 months then did a debt consolidation and closed my XXXX meanwhile XXXX continued to charge late fees to the sum of {$460.00}. I disputed multiple times on the amount owed with XXXX and Portfolio, neither correcting the late fee charges. Ive explained multiple times to contact XXXX XXXX whom my debt consolidation is with. They refuse. Now they have put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have been trying to get this resolved since XXXX. Navient is doing what XXXX XXXX did. Forcing deferment to force added fees and late fees when they refuse to offer an income based repayment plan. Then in the middle of their fraudulent activity they sell to another service provided or rename themselves so they can start all over again doing the same thing that got XXXX XXXX a class action suit. And our government lets them do it. The last complaint I filed they said they were the wrong organization to contact. They don't say who is the right one is, and all I can use is what is on the website I log in to. So where does that leave me? I keep getting collection calls because they waited until after the due date to give me an IBR, I am making my monthly payments, but they are wrecking my credit and adding late fees on top of the other fees they have assessed. I need to find out the other people they have done this to and get another class action suit against them. I just don't know how to do that and don't have the time or means to figure it out. Here is my complaint ID XXXX. I still have the same complaint, nothing has changed. If they can get by with claiming they are not the correct company, when they are the ones who have failed to process my student loan, then there basically is no recourse and filing a complaint with this group is a fruitless effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
I recently reviewed a copy of my report and noticed XXXX had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 non-monetary relief
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
I recently reviewed a copy of my report and noticed XXXX had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I've asked multiple times for information involving this debt collection and have not received any information proving that it's mine. They had taken me to court three times. Frozen my checking account a few years ago and still dealing with the issue and not getting the information I'm requesting to prove that it's my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Initially, I had two promotional credit plans open with this company, and called in XXXX to inquire about paying only one off as it was accruing interest and leaving the other plan as it was at 0 % interest rate. I was told by an employee with TD Bank that this was possibly, only for the next billing cycle to still reflect a balance. 

I called in and was then informed that I was told incorrectly, and that they could not clear one account, even though I paid exactly as the representative instructed me. I was told that I could request my money back, and the balance would go back to the promotional plan to continue payments I have been making for 2 years. 

Instead of this occurring, they then opened a revolving credit plan on my account without my consent, and charging 29.99 % interest on the money that should have went back to the promotional rate as agreed to by the company. This has been ongoing since XXXX, and I am being charged interest each month that I do not owe as a result. I have called continuously to try to have it resolved, sent in emails, tried to escalate to a supervisor or manager or director, all for no update on the account and absolutely no satisfaction. 

In XXXX, I was then sent to collections over the interest payments that are for the credit line that was opened without my consent. My credit score also took a hit of over XXXX points, all to a customer who never missed a payment and is still making payments to date for the amount I owe- {$380.00} per month. Their collections department then began calling me 4 times a day everyday, and I voiced the issue to everyone I spoke with only to be told they would let their manager know. I told them to listen to the calls between myself and their company as all calls are recorded, and they would be able to hear everything as it was presented to me as a customer, and they should be able to correct their errors. Nearly 4 months later, still no resolution. 


I have repeatedly told everyone I spoke with that I want to pay my debts, but opening a credit line without my consent and charging me interest on said credit line is unlawful. I want to pay what I owe, not what I do not. Please inquire regarding the correction of these errors, and issue a request they redaction to correct my credit score. 

I look forward to hearing from you all and resolving this matter amicably.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One Auto Finance regarding a repossession listed on my credit report, which states that it is a joint account. I am having difficulty recalling this account and believe there may be issues with the reporting and handling of this debt. Specifically, I am concerned that if there was indeed a repossession, Capital One failed to comply with the Uniform Commercial Code ( UCC ), as I did not receive any correspondence or notification regarding this account. Under the UCC, proper notice must be provided, and the failure to communicate with me about this matter is a serious violation of my rights. 

In addition to this, the payment history reported on this account is inconsistent, with discrepancies that fail to meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ). The incorrect and inconsistent reporting of payment history not only harms my credit standing but also violates FCRA regulations that mandate accurate reporting. 

Given the lack of correspondence, the inconsistencies in payment history, and the overall failure to comply with legal requirements, I am demanding the removal of this unverified account from my credit report. The continued presence of this account is not only unsubstantiated but also damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
I would like these account to be remove so my credit report can update accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I do not know this company, I do not have a contract with them. And they are supposed to be removed from my credit report, but it is still showing. 



BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX IS MISTAKENLY ASSESSING ME LATE ON MY CREDIT REPORTING. I ATTACHED PROOF OF MY XX/XX/year> PAYMENT. THEREAFTER, I ESTABLISHED AN ADJUSTED REPAYMENT PLAN IN XXXX XXXX  IN WHICH THE XXXX REPRESENTATIVE INFORMED ME THAT MY ACCOUNT WAS SATISFACTORY. PLEASE RECTIFY ALL LATE PAYMENTS ASSOCIATED TO THIS ACCOUNT PLEASE.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX IS MISTAKENLY ASSESSING ME LATE ON MY CREDIT REPORTING. I ATTACHED PROOF OF MY XX/XX/year> PAYMENT. THEREAFTER, I ESTABLISHED AN ADJUSTED REPAYMENT PLAN IN XXXX XXXX  IN WHICH THE XXXX REPRESENTATIVE INFORMED ME THAT MY ACCOUNT WAS SATISFACTORY. PLEASE RECTIFY ALL LATE PAYMENTS ASSOCIATED TO THIS ACCOUNT PLEASE.

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 2024-12-31 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: OH

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 report agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-12-31 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: GA

Complaint narrative:
I have reached out to all three credit bureau 's to thoroughly investigate everything that is listed on my credit report. Each one is showing inaccurate information, dates, amounts, and different credit scores. Some accounts are listed more than once. Example one consumer has me listed that I was in good standing then it states bad standing. So which one is it either I paid on time or I didn't it can't be both. Not only that a consumer pulled a hard inquiry in XXXX  without my consent which is against the law. I have disputed all these things for the past three to four years now. So this is the next step for me to do. No one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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 have reached out to all three credit bureau 's to thoroughly investigate everything that is listed on my credit report. Each one is showing inaccurate information, dates, amounts, and different credit scores. Some accounts are listed more than once. Example one consumer has me listed that I was in good standing then it states bad standing. So which one is it either I paid on time or I didn't it can't be both. Not only that a consumer pulled a hard inquiry in XXXX  without my consent which is against the law. I have disputed all these things for the past three to four years now. So this is the next step for me to do. No one should have to go through this.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I logged in to my online Chase account via Chase.com during the XXXX XXXX  hour this date and noticed that my primary checking account wasn't showing as it always has been since the account 's inception date of XX/XX/XXXX. I was unable to view my bank statements for this account. I searched the branch documents, secure messages and Notices and letters and no pertinent information was found as it relates to the supposed letter that was sent to me on XXXX XXXX indicating that my account would be closed out. I contacted Chase Customer Service at XXXX regarding my primary account ending in XXXX not being visible and was told by XXXX XXXX Chase Customer Service Rep that my account had been in a negative status since XX/XX/XXXX and I advised her there is absolutely no way that I would allow my account to be in a negative status for 60 days. Especially, given the fact that I have had this account with Chase for over 13 years. I also advised XXXXChase Customer Service Rep that I am a Life Insurance Agent and my commission checks are directly deposited in my primary account. I requested to speak with a supervisor. I talked to XXXXChase Account Supervisor ID # : XXXX regarding the status of my account and he stated that there hasn't been any deposits on my account since XX/XX/XXXX and I refuted the information regarding my account. I asked XXXX/Chase Account Supervisor what notice was sent to me indicating the date and/or timeframe that my account will be closed and he stated a system generated letter was sent to me on XX/XX/XXXX. I advised XXXX/Chase Account Supervisor that I haven't received any letters from Chase via regular mail or electronic mail/electronic messages/notices regarding specific information pertaining to the closing of my primary checking account. I asked XXXXChase Account Supervisor how do I go about reopening my account because I have a few direct deposits that are coming through and he said I couldn't. I advised XXXXChase Account Supervisor that the initial Chase Rep that the first Chase Customer Service Rep that I spoke with advised me that I would need to pay the {$44.00} to reopen my account but XXXX/Chase Account Supervisor stated that I am unable to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.

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 2024-12-31 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX Bank XXXX XXXX XXXX {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have an Amazon Store Credit Card. On XX/XX/XXXX, I paid my bill for XXXX. On XX/XX/XXXX, I paid my bill for XXXX. However, in late XXXX, I started receiving texts stating that my account was past due. When I logged in to check, I noticed an issue and contacted support. 

It turns out my XX/XX/XXXX payment was applied to the XXXX bill instead of the XXXX bill. I asked why this happened, and they explained that my XXXX statement was officially generated a few hours after I made my payment. Because of this, the payment was automatically applied to the XXXX balance, leaving the XXXX balance unpaid. 

I requested that they reapply my XX/XX/XXXX payment to the XXXX bill, as that was my intention, but they refused. 

This practice unfairly penalizes customers, particularly those with limited funds who are trying to make payments on time. Refusing the apply the payment to the current statement can lead to unnecessary late fees and financial stress, even when payments are made promptly. It disproportionately affects individuals who may not have the ability to pay twice in the same cycle, creating an unnecessary financial burden.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief