vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: CA

Complaint narrative:
I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to severe XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 

XXXX. This late payment status is irrelevant XXXX XXXXXXXX XXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of XXXX XXXX XXXX XXXX XXXX, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within XXXX  days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, 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 2024-03-29 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: EQUIFAX, INC.
State: MT

Complaint narrative:
This is my second complaint. Had issues logging in in XXXX never resolved. Have been able to monitor thru credit karma. Want to dispute and takes me to site where it says temporarily unavailable. I am so sick of this company. They allowed my information to be breached, I guess everyone can access my information but me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Demand for Removal of Inaccurate Inquiries To Whom It May Concern : I am writing to dispute and demand the immediate removal of several unauthorized inquiries that are inaccurately listed on my credit reports with the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ). 

The specific inaccurate inquiries that must be removed from my credit file are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX have XXXX XXXX credit reports thoroughly and did not authorize or initiate any applications that would have resulted in these listed inquiries. Including inaccurate inquiries violates the Fair Credit Reporting Act ( FCRA ) as it misleadingly makes it appear that I have applied for credit from these entities when I have not. 

The FCRA mandates that consumer reporting agencies follow proper procedures to ensure maximum possible accuracy of credit report information. Reporting unauthorized inquiries constitutes inaccurate information under the law. 

I am formally demanding that each of the XXXX XXXX credit bureaus immediately conduct a reasonable reinvestigation to verify whether I authorized the inquiries listed above. If your reinvestigation can not confirm that I applied for credit with these companies, then you are legally required to promptly and permanently delete these inaccurate inquiries from my credit file. 

If these unauthorized inquiries are not removed from my credit report within 30 days, I will have no choice but to pursue further legal action against your agency for willful non-compliance with the Fair Credit Reporting Act. 

I am entitled to a written notice once your reinvestigation is complete, confirming which items were modified or deleted from my file. Please provide this confirmation once the inaccurate inquiries have been permanently removed. 

Thank you for your cooperation in promptly correcting my credit report pursuant to your obligations under federal law.

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 2024-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NC

Complaint narrative:
received a payment request from Ed financial services. Have not had a loan with them in over XXXX  years. My loan was paid in full XXXX  years ago. Tried to email and was blocked. The number also does not give a customer service rep. This is fraudulent activity. This needs to be dealt with immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, I financed a vehicle from XXXX XXXX and they charged me additional taxes and fees adding up to {$2300.00} that was supposed to be included in the financed charge which is fraud. On XX/XX/XXXX, I have sent them a letter of Revocation of Power of Attorney and on XXXX XXXX I sent them an Affidavit, and a Rescission of Contract to settle this fraudulent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
There was an unauthorized payment, it was reversed, i made a payment to cover it. they closed my account and refuse to reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XXXX, XX/XX/2024, I inadvertently left my BPPR XXXX  debit card at an ATM during a trip to XXXX, XXXX. Immediately I realized about XXXX minutes later, I ran to the machine and they had already removed the card. I tried several times to contact the BPPR telephone numbers on the back of the card without success presumably because the call is long distance. I called my daughter in XXXX  who managed to cancel the card using my credentials. 

Upon returning to XXXX  on the XXXX ( 3 days later ), I was able to speak with a BPPR representative who confirmed that the card was blocked and we went over the fraudulent charges which were all still in process. Even after taking these precautions, the BPPR honored the fraudulent charges! 

They sent me a letter saying that the bank 's policy is that I am liable up to {$500.00} if I do not contact them within two days of the episode. The BPPR made an error because all charges were in process with the card already canceled since the day of the event. There are only two charges on the same day, XX/XX/XXXX, after I lost the card, which curiously appear in the attached statement before withdrawal at the machine. All other charges were two days after the card was canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 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: DC

Complaint narrative:
Please see attached file.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Apparently this accounts but was open last year without my knowledge. I contacted them download the app the balance was max out. They investigate figure my account could not be verified. They sent me a statement that account would be closed. That was in XXXX of this year. I have the letter attached. So I stop making payments figure they figured it out. But then I started getting email saying I behind on payments. So I made {$100.00} paymen again so it wouldnt ruin my credit. I even disputed this with the credit bureau. I have not sign anything with this account or approved anything with my signature. Now my credit got hit still with delinquent even when ai been paying on a credit card thats is fraudulent open. Im

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate 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 explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Here is what I've send XXXX  : RE : Account Number : XXXXXXXX XXXX XXXX XXXX Dear XXXX Customer Service Team, I am writing to bring to your immediate attention a discrepancy regarding two recent payments intended for my XXXX XXXX XXXX XXXX account, which ends in XXXX from my account at Sofi. 

Upon reviewing my checking account statements, I have noted that XXXX transactions ( Sofi IDs XXXX and XXXX ), each for the amount of {$1000.00}, were processed and deducted from my account. However, when checking my credit card statement, I see that XXXX has only recorded XXXX corresponding payments of {$500.00} each, totaling {$1000.00}. 

This presents a significant discrepancy of {$1000.00} between the amounts debited by Sofi from my checking account and the payments credited by XXXX to my credit card account. 

Given the seriousness of this matter and the substantial amount of money involved, I kindly request that XXXX conduct a thorough investigation into these transactions. I would appreciate a detailed record of the payments as received by XXXX, and an explanation for the missing {$1000.00}. 

I trust that XXXX will address this matter with urgency and provide a prompt resolution. Should you require any additional information or documentation from my side, please feel free to contact me directly at XXXX. 

I look forward to your immediate response and a swift resolution to this issue. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Windham Equity Company
State: DE

Complaint narrative:
I purchased a XXXX XXXX from an Auto Sales lot in XXXX Delaware in which I later learned that the XXXX was through a Lease Rental company. This XXXX later began to have transmission issues. I reached out to the company and explained the problem to the account manager. I made the account manager aware that I was going to have the XXXX serviced and he agreed to pay half of the cost. When the tech at the XXXX dealer gave the estimate for the work needed to be done and the cost which was {$1100.00} - {$1200.00}, I contacted the account manager. At this time, he didn't want to follow through with the verbal agreement. Instead, he forced a refinance because he didn't want to stand behind statements he made. This is a lack of integrity by the company to me! At that point, I was now stuck with paying the service bill to get the XX/XX/XXXXout of the shop and make payment, etc. I had to borrow {$600.00} from my employer to get the XXXX out of the shop. I felt that this lease company could no longer be trusted because of the way they handled this situation. I advised the account manager that I was no longer interested in doing business with them. Lease Rentals waited several months to retrieve the XXXX. Consequently, Lease Rentals sent out notices to make me look like the bad guy which is why I've been disputing this charge-off/collection. This is just so wrong. Companies like this shouldn't be able to just take advantage of people!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XX/XX/XXXX, I made several attempts to contact someone from Experian to address the missing student loan payments dating back to XX/XX/XXXX to present and the apartment  rental payments that have been successfully paid since XX/XX/XXXX, which is unacceptable. I make all financial transactions through XXXX Bank. Secondly, Experian does not have my accurate home and mailing addresses despite my efforts to provide clarity to them on this matter. As a result of the aforementioned, XXXX currently XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXXXXXX that I contracted from the current apartment that Im living in. Because of the inaccurate information on my credit file, I am being denied an opportunity to move to a better apartment. Since I can not access any human being working for Experian to immediately resolve this, I am submitting this complaint to expedite the matter and can be contacted via email or phone at any time. Thank you in advance for your assistance and expediency on this critical 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
Ive called and sent registered mail to this company requesting something showing they provided services to me and I signed something approving anything. I call them and they want me to call another company to discuss their account. This doesnt make sense, the representative I spoke with ended the call because I refused to take another number to a different company to discuss their account. This has to be illegal. The company is AMSHER COLLECTION SERVICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX I was sent a Venmo payment of {$1000.00}. On XX/XX/XXXX at XXXX I initiated a transfer of {$990.00} to my bank account via standard transfer. Venmo says the transaction was complete XX/XX/XXXX at XXXX. The funds were never posted to my account. I contacted customer support who was extremely unhelpful. I also contacted my bank ( XXXX ), who confirmed that there was no pending credit from Venmo. On XX/XX/XXXX Venmo opened a dispute. Since then, it was been under review and they are no longer responding to my emails. It has been XX/XX/XXXXdays since I tried to get my funds and I still have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have Talked to Lexus nexus many times and they say they could not do anything because they could not confirm my identity, since there last letter stating this Ive sent them everything they asked for to confirm my identity! I need This information removed from my credit report now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: SC

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting information on my credit report. I have never signed a contract with them agreeing to pay them any money owed. It is reporting as a collection account as of XX/XX/2020. The statute of limitations in South Carolina to collect on a debt is 3 years. The statute of limitations has thus expired. They are also report the collection as past due every month. A collection can not be reported as past due. Please have XXXX XXXX XXXX verify this debt and show indisputable proof that I owe them this debt. If they can not, please remove from my credit report immediately as this inaccurate information is having a negative impact on my credit profile as well as my credit score. I am currently trying to purchase a home for my family and this inaccurate reporting is hindering me from doing so. Thanks for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/202XXXX 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 2024-03-29 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Having reviewed my credit report, I've detected inaccuracies and signs of fraudulent activity in the listed accounts. I am profoundly dissatisfied with this discovery and insist on the immediate removal of these inaccurate 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 explanation
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-29 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: IL

Complaint narrative:
Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.

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 2024-03-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

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