vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX opened XX/XX/2021, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
TransUnion Credit Report XXXX your credit report for signs of theft, fraud, or error. 
XXXX XXXX  30 Days Late Real Estate {$17000.00} Status XXXX XXXX, XXXX XXXX Days Late {$200.00} This company has been committing fraud against me. It began with a disagreement about charging {$15.00} when my bank was bought out by another and the auto payment did not go through. 

There are several twists and turns in the story, but one account manager said they were holding a check I sent ... which was to quickly bring the account to date... it did not contain the {$15.00}. They did not cash it ... all the while struggling to get the autopay restored ( spent an hour with someone and unsuccessful ) .... so much nonsense... real malice on the part of an individual who deserves to be fired and sued for what he/she did.

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 2023-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have held several capital one credit cards for about three years now and have been on auto pay with payments coming out of the same XXXX XXXX checking account to cover the minimum payments for each credit card. 
Between XX/XX/2022 and XX/XX/2022, Capital one was accepting payment on two of my credit cards but rejecting payments from two other cards ( platinum and Quick Silver ) thus returning the payment and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). The other two cards received funds from the same account without incident. 
When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error. payment on two of my credit cards but rejecting payments from two other cards and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This complaint regards the failure of TIAA to act on, or respond about, the W-4P form I filed with TIAA. The W-4P form I send TIAA by fax requested additional tax withholding from RMDs to be distributed from my XXXX ( b ) accounts at TIAA. The W-4P form was filed with TIAA by FAX on XXXX XX/XX/2023. 
Many phone calls to TIAA since XXXX XXXX have revealed that their computer systems are unable to process my simple withholding request. My most recent phone call was on Monday XXXX XX/XX/2023 when I spoke to XXXX who investigated the situation and told me that TIAA was having great difficulty managing such requests. XXXX promised to contact me again about the difficulty on Wednesday XXXX XX/XX/2023, but I have received no further communication from TIAA.

I request that TIAA be tasked with appointing a specific individual to take charge of my request and provide me with written status reports regarding compliance with the additional withholding I have requested by filing form W-4P with TIAA by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I closed my XXXXXXXX XXXX account # XXXX at the end of XX/XX/XXXX when I moved. I returned all the equipment to the XXXX as instructed and was told the account was closed and I owed nothing on the phone with XXXX. No further bills were mailed to me. 

Once I checked my credit report in XXXX, I noticed I had a collection again my XXXX account. I contacted XXXX and they stated my account was closed, there was an error they corrected and provided me with confirmation # XXXX. 

The debt was never cleared off. I opened disputes through XXXX to remove this without any success. I also contacted XXXX multiple times when they stated the last person forgot to process the final steps and they would take care of it. 

After about a year of this process, XXXX opened a new ticket # XXXX on XX/XX/XXXX. After many hours on the phone, they finally stated they account was closed and they could do nothing about it even though they had stated the caused the problem by billing incorrectly. 

The debt has been passed between about 3 different debt collects with it currently sitting with I.C. System, INC who I'm waiting to receive any communication with. I have opened a dispute with XXXX, but I have no confidence this will resolve my issue. 

At the end of the day, this is debt I do not own confirmed by the original debtor XXXX and I need this resolved and removed from all of my credit reports.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
My complaint is with XXXX and XXXX. I have filed a dispute on several occassions against Kimball Tirey & St. John and on some of those occasions they ended there investigation in 1 day, which as they really never investigated. I disputed inaccurated information on this account from my name, my address, and the facts that this account was fraudulent and a closed account reporting in Collections but somehow this closed account amounts keep changing. I am a ''XXXX '' and thats whats on my Social Security Card , Birth Certificate, and Identification. This Collection account has no accurate proof that I, ''XXXX '' was the one responsible for this account because it does not belong to me. I requested that this merchant provide proof of any documents that shows ''XXXX '' on them but they never can provide that information. This account has been removed from my XXXX Credit report almost 6 months now, but XXXX and XXXX refuses to remove this account from my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX XXXX XXXX XXXX XXXX AKA? XXXX. Bank neglected to transfer the auto pay information to take funds to pay mortgage monthly automatically as has been done for over XXXX years perfectly and on time. They then mistakenly send statements and delinquent notices to the property address which was on file as being changed years previously and the original bank had changed. Once the new bank called they immediately ACH the fund and brought the loan to current status as it has always been. They then reported that the account was 30 60 90 days late which is inaccurate and untrue as it was the banks error and should not be reported as late on my credit report. Each and every other over twenty accounts are paid on time and have a perfect history for the entire reporting period.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX You are in Direct Violalion of The Fair Credit Reporting Act ( Capitol One ) has violated several of my rights. 16 U.S.C 1681 section 602 A. XXXX states that I have the right to privacy, 16 U.S.0 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my willing instructions.15 U, S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several law undor The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a complaint through CFPB for identity theft on XX/XX/2023 to TransUnion. The complaint included my I.D., FTC identity theft report, and a written statement stating that the information is not information relating to any transaction by me as well as the accounts that were affected.

According to 15 U.S. Code 1681c2 when identity theft has occurred and the above requirements are met, the credit agency has 4 business days after the date of receipt to block the reporting of said information in the file. 

TransUnion received all required information and I contacted them on XX/XX/2023 to get updates on the dispute. The representative that I spoke with told me that all information has been received, and if after 4 business days the creditor ( s ) have not responded, then by law they would block or delete the information. He proceeded to tell me to call back in a few days to check again or wait 30 days for a response by email or mail. I told the representative that by law I will not wait 30 days but instead call back after the 4 business days have passed. 

I called TransUnion again on XX/XX/2023 to follow up because 4 business days have passed and the accounts are still reporting. The representative told me that the " dispute '' is still in progress which is a direct violation of the FCRA which clearly states to block information resulting from identity theft within 4 business days. 

This is a direct violation of my rights, not only have they violated MY rights, but they have violated the FCRA by not complying and failing to do what's fair and equitable to me as a consumer. I demand at the least deletion of all mentioned disputed accounts. 

CFPB Complaint Number : XXXX FTC Report Number : XXXX Disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In with the fair credit reporting act. The list of accounts below has validated my federally protected customer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 customer 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a customer to any custom reporting agency if the person knows or has responsible calls to believe that the information is Inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: CO

Complaint narrative:
Chime Bank Account XXXX was fraudulently opened in my name at XXXX MST XX/XX/23. My email was used for the opening on the account which is how I was alerted. All of my credit is currently locked. This account never should have been opened by chime. Chime never should have opened an account when my credit is locked with Fraud alerts. This is a massive breach in consumer trust and how do I keep them from opening more accounts if they ignore the freezes? When I spoke with chime they did not seem to care that they opened the account with locked credit. Consumers can not protect themselves if institutions blatantly ignore the rules. 

Address listed on the Direct Deposit form was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can send over all email chains in relation to this item. The account has been closed as of XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

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 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Sunday, XXXX XXXX, my name XXXX XXXX, I was looking into my credit through credit karma and when I did, Equifax did not have anything available because apparently I was reported as DECEASED. I am very much alive! I did try to reach out to Equifax through a couple phone numbers and a website provided but was unable to reach anyone. I don't know what to do at this point. I can provide any information to prove that I am alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has fraudulently closed all of my accounts and reported me as deceased. This has caused me tremendously hardship and loan denials. I have a XXXX credit score. I want this corrected as soon as possible and I would also like to know who reported this false information. If this information isnt corrected within 72 hours I will seek legal action. When a consumer reporting agency declares you dead when you are not, they are walking a thin line toward defamation and damage to your reputation. Under the Fair Credit Reporting Act, I have cause for seeking financial compensation. When credit bureaus mistakenly report someone as dead but have not taken steps to verify this information, they are violating the FCRA. And they should be held accountable for failure to do their due diligence. I want my credit report to reflect fair and accurate information. There is NO death certificate. I am alive and well. Please have this corrected asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by Nissan Motor Acceptance Corporation/Infiniti Financial Services XXXX NMAC/IFS ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had w

ith NMAC/IFS. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that NMAC/IFS reported negatively against my credit report, which, given my payment history, I believe to be erroneous. To further complicate matters, NMAC/IFS delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by NMAC/IFS has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history.

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
About halfway through my program, while registering for XXXX 's summer semester, I was informed by the financial aid office that my original federal XXXX loans did not in fact cover my balance, and I would need to come up with roughly {$7400.00} to pay for the remainder of my program. My now deceased grandfather cosigned on a personal loan from Wells Fargo, and financial aid assured me all would be covered. This was a lie. Fall semester XXXX ( prior to completing my program in XX/XX/XXXX ) I was now informed by the financial aid office that there would be an additional balance of {$1200.00} or so. Wells Fargo would not allow me to increase my balance, nor add on an additional loan to pay for this remaining balance. As a result, while I continued to make payments to both XXXXXXXX XXXX and to Wells Fargo ( as I was forced to begin payments immediately while I was still XXXX XXXX XXXX ), XXXX withheld both my transcript and diploma. The school has since declared bankruptcy and permanently closed, so I am no longer to receive what I earned.

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