vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed an order on XXXX XXXX for 2 window air conditioner 's, since i didn't receive my order i filed a dispute with XXXX XXXX, the seller provided a XXXX tracking #. 

i then filed a claim chase back, as i paid for this order with my chase debit card. and they also denied my dispute. since the seller provided a XXXX tracking #. with chase i thought ill have a better chance to get this cleared, as i have been their costumer for 25 years, and very rarely dispute a charge, and they speak English. i explained to them that the tracking # provided. although its a package that was delivered to the same city and state. # 1 it wasn't a package that was delivered to my house. and wasn't even directed to be delivered to my home address as i confirmed with XXXX so it wasn't a mistake by the delivery driver. just someone else tracking #. # 2 the front door seen on the image on the tracking number isn't a door at my house. # 3 tracking confirmation is for 1 box and i ordered 2 boxes # 4 the weight on the XXXX tacking is only 18 lb. and the item i ordered is 2x 35 lb. total weight of 70lb. 

after reviewing reviews for this XXXX XXXX  seller i noticed that this seller has a pattern of providing false XXXX  tracking # to fight claims

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I recently filed a lawsuit in small claims court in XXXX XXXX and successfully won my case. However, XXXX XXXX XXXX XXXX ( XXXX XXXX  ) has not removed the related item from my credit profile in a timely manner, as required by law. This delay has caused me significant distress and financial difficulty, particularly as the company continues to act in violation of 15 USC 1681.

I am requesting that this item be removed from my credit profile within 24-48 hours upon receipt of this notice.

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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
A Debt Validation was sent two times to these creditors. It has been over 30 days and I still have not received a response. My current address is provided on the debt validation letter, so they're fully aware of where I am located.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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. 

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 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 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
A report called " Early Warning '' was brought to my attention recently. After printing out my report, I realized that every single transaction from every account I have with XXXX XXXX XXXX XXXX has been and continues to be illegally shared with unauthorized third parties without my knowledge and without my consent. I have sent notices to the legal team at XXXX, and the response I received had nothing to do with the several Privacy Act violations of which i was concerned about. Each transaction that has been shared illegally violates the Privacy Act and carries a fine of {$1000.00} for each illegally shared transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Navy Federal Credit Union account. 

In 2019, I experienced significant fraud involving my Navy Federal Bank account. Following this incident, I went through a robbery where all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. The theft of these items led to fraudulent activities across multiple accounts. 

Although I promptly reported the fraud and filed a police report a few years later, Navy Federal Credit Union has refused to address the fraudulent activity on my account. I initially hoped that by contacting the bank directly, they would resolve the issue, but my requests were denied. I subsequently filed an appeal, which was also denied without any evidence linking me to the fraudulent activity. 

I have attached copies of my appeal denial and the police report for your review. Despite my ongoing efforts, Navy Federal Credit Union has failed to provide a satisfactory resolution or address the fraud on my account. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue. The continued refusal to rectify the fraudulent charges on my account and the denial of my appeal without evidence is unacceptable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On Sat, XX/XX/year>, I opened a new Checking account with Citibank. I did an initial funding from my XXXX Checking account and from that moment on I have no way to get ahold of my money. Citibank is holding {$2500.00} of my money hostage. I never received the Debit Card and their website keeps asking me for a debit card number ending in XXXX, which I don't have and never got, to " verify my identity ''. Without it, I can not set up external transfers to pay my bills or send the money back to my XXXX account. I can't even use XXXX. They are holding my money hostage. I keep calling their support, every department I can get ahold of, and they keep hanging up the phone because I can not verify with this debit card or a " security word '' which I never got or set up during the sign-up. They are refusing to verify my identity in any other way and keep hanging up the phone. They are even refusing to re-send this debit card to my address on file. This is a criminal behaviour and I don't understand how can a financial institution that operates like this have a banking license to bank in the U.S. Please help me get a hold of my money- {$2500.00} - that Citibank is unlawfully holding hostage. I can not go to the Citibank branch because there are no branches in Texas.

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 2024-08-16 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: CA

Complaint narrative:
Hello, I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-08-16 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: CA

Complaint narrative:
Hello, I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted my 1st complaint with CFPB on XX/XX/2023 regarding information being reported inaccurately as well as fraudulent accounts. There were additional fraudulent accounts reported such as XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, and still reporting that wasn't fixed initially XXXX XXXX  Account # XXXX.I 've reached out numerous amounts of times regarding these fraudulent accounts and sent in dispute letters along with my supporting identification documents. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that those accounts belong to me, and all information is incorrect. These accounts as well as numerous Hard and Soft inquiries are affecting my hard work of still trying to purchase a home for me and my children.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, all social security numbers and other personal info of, XXXX, XXXX, and the XXXX were stolen and posted on the dark web. Finding out that I could freeze my credit accounts have me piece of mind. I signed up for new accounts on XXXX and XXXX. During the sign up process on Equifax it said there's an error and it can't do that right now ( something like that ). I tried to log in ( since I had already made it through most of the process of account creation ) and it says " We are temporarily unable to complete this request ''. I get that errors happen, but there is no reason listed whatsoever. If you're going to be a credit agency that literally determines people 's financial health, you should be able to give me a reason my account creation can't be completed. Due to this, I am unable to freeze/unfreeze my account for this particular agency. If you look this up online, multiple people have this issue without a resolution ( just a round-XXXX of XXXX we'll escalate '' and then the results are, ( paraphrased ) " We can't do that with your account right now ''. Please explain as this is a severe multi-country issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AL

Complaint narrative:
Company sent a letter with no other information to verify. The information contained in the letter was inaccurate. Previous dispute removed item and it kept reappearing. Rental claims should have court order. Then Hunter company kept changing the dates on the original account extending the time to be on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: MD

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-16 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: IL

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

Company 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 2024-08-16 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: GA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-16 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2024-08-16 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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 2024-08-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently filed a lawsuit in small claims court in XXXX XXXX and successfully won my case. However, XXXX XXXX XXXX XXXX ( XXXX XXXX ) has not removed the related item from my credit profile in a timely manner, as required by law. This delay has caused me significant distress and financial difficulty, particularly as the company continues to act in violation of 15 USC 1681. 

I am requesting that this item be removed from my credit profile within XXXX hours upon receipt of this notice.

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We were unable to come up with 20 % down on our mortgage and had to pay astronomical amounts of interest plus PMI for the first couple of years. As soon as we were able ( XX/XX/year> ), we paid down the principal to 70 % of the original value of the property. According to the terms of my loan, this was more than what was necessary for the PMI to be automatically cancelled. In XXXX, a full month after I had made the necessary payments, my escrow was charged {$140.00} for PMI. By that time, there was less than 30 % left on the original loan. There was absolutely no basis for PMI. 

I called the mortgage company to ask for an explanation and they treated that call as a request to cancel the PMI. Again, this was not my responsibility. I contacted the company again about a month later and was told that the matter would be taken to the PMI team. I received notice today that they would not refund the money because I never requested the PMI cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed some fraudulent accounts on my credit report that are affecting my ability to get credit. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I originally renew my service with XXXX XXXX XXXX on XX/XX/XXXX over the phone later calling them back on XX/XX/XXXX to cancel after leaving XXXX XXXX  obtaining service for cell phone and internet my numbers were being ported receiving a better rate. I have tried to resolve this issue with XXXX XXXX XXXX several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I try to explained this to XXXX XXXX XXXX, I asked them to research. I was told I would have to pay for them to research. I have proof of bills XXXX XXXX XXXX billing me after service was transfer, copies of returned labels and XXXX XXXX  proof of purchase. A letter address to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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