vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: PA

Complaint narrative:
XX/XX/2023 XXXX Dear Sir/Madam, I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Reporting Date : XX/XX/2023 Alleged Late Payment Date ( s ) : XXXX, XXXX and XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, the FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon conclusion of your investigation, please provide a detailed description of the procedure used to determine the accuracy and completeness of these items.

Furthermore, if the investigation does not resolve the dispute, I request that you furnish a statement to that effect to all recipients of my credit report as required by 15 U.S.C. 1681i ( c ) of the FCRA.

Enclosed, you will find copies of documents supporting my position. Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

I appreciate your prompt attention to this matter. Please confirm in writing that you have received this dispute, are conducting an investigation, and will remove these items if they can not be verified.

Thank you for your cooperation. Should you require additional information, please feel free to contact me at XXXX or XXXX Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I can not dispute any transactions online. They require me to call when theres an option that you can dispute online even though Ive only disputed one thing in the past year they require me to call when Im XXXX and CAN NOT make calls!!! I want to be able to do stuff online with ease its not fair Ive been with them for years. It says it for any item on my transactions as Ive check to see if it was just one but its all of them!!! Its ridiculous

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 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
PennyMac Called on XX/XX/XXXX due to noticing due amount included late fee. Late fee was stated to be waived. Payment was made on XX/XX/XXXX which covered the difference fee per the calculation with the agent on the phone, {$190.00}. 

Called on XX/XX/XXXX : Waived late fee. Payment made on XX/XX/XXXX to be applied to upcoming months bill. Confirmation XXXX XXXXXXXX Called on XX/XX/XXXX : Waived late fee approved. Waiting for the payment that was made to be applied to upcoming month 's bill. Extension number : XXXX. XXXX. 

Called on XX/XX/XXXX then requested for supervisor : The payment on XX/XX/XXXX went towards principal instead of payment. Thats the reason it has been late. Looking into reversing the charge for it to go against monthly payment instead of principle. All late fees waived. {$73.00} was paid for payment on XX/XX/XXXX and XX/XX/XXXX to go towards monthly payment. Confirmation # XXXX Called on XX/XX/XXXX to follow up. The payment on XX/XX/XXXX was escalated for supervisor approval and was declined. Late fees were waived. Relayed the following payments that went towards principal reduction was not approved and the understanding was for it to go towards monthly payments. That was the only reason the XX/XX/XXXX and XX/XX/XXXX payments were made for it to be the total monthly payment of {$2100.00}. Will be calling on XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$73.00} Multiple phone calls from PennyMac providing updates from XX/XX/XXXX to middle of XX/XX/XXXX. The last phone call from PennyMac stated the concern was resolved and the amounts were moved to the monthly payment for next month. 

Called on XX/XX/XXXX to follow up. The amounts are still in principle and not applied towards monthly mortgage payment. It was requested for this concern to be resolved as it was stated it was. Requested for the recording of the phone calls. It was stated this is escalating to supervisor for supervisor to to call back on XX/XX/XXXX between XXXX to XXXX. 

In the monthly bill, there is a section titled " Important Messages : '' *Suspense : Any amount received less than a full payment will be applied to a suspense account for your mortgage. When enough is received to equal a full payment, a full payment will be applied to your mortgage.

PennyMac is not following their Important Messages statement on their monthly mortgage bill that is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reported fraudulent charges my Capital One credit card. I was issued a new card and Capital One reposted the fraudulent charges to the new card. I called again to report again that I did not make charges nor did I authorized anyone else to make charges. Eventually the charges were removed until today XX/XX/2023. Capital One simply changed the name on the fraudulent charges from merchant to my name and reposted to new account. I have lost count of the number of times I reported to Capital One that these charges are fraud. I did not make/authorize the charges. I did not lose the credit card. Someone fraudulently took my information and Capital One allowed charges not made in my name be posted to my account. After I reported, the name on the fraudulent charges was changed to my name by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update the balances on these accounts as they have all been paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: GA

Complaint narrative:
Please update the balances on these accounts as they have all been paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-30 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: NM

Complaint narrative:
I have been calling and sent letters to EXPERIAN to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.

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 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX under account XXXX XXXX. 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home! 
Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my XXXX, XXXX, and Transunion Consumer Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Several fraudulent charges were made on my credit card after the balance was paid in full. Chase bank notified they investigated the charges and found I was responsible for the fraudulent charges. These were NOT my mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: CA

Complaint narrative:
I have included a police report number XXXX bage # pc. XXXX for XXXXXXXX XXXX  these accounts are not mine please remove

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 2023-09-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have included a police report number XXXX bage # XXXXXXXX XXXX for XXXX XXXX these accounts are not mine please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: CA

Complaint narrative:
I have included a police report number XXXX bage # pc. XXXX for XXXX XXXX these accounts are not mine please remove

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The information being reported by your agency and the other two reporting agencies does not match up. Under the Fair Credit Reporting Act, every step must be taken to assure maximum possible accuracy and that the information is reported complete and correct. I have given this company written instructions to fix the error however they denied the inaccuracy and stated that it was " verified ''. The other two companies, XXXX and XXXX, together with the creditor have all shown that I am not late. Yet Experian is.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ID 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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX W. XXXX XXXX XXXX XXXX XXXX ID 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 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting at the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602 A. States i have the to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reportin agencia may make any consumer report containing any of the following items of information 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 ) ( a ) 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. 


Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
I requested to be removed from forbearance in both an email and on a call with a direct agent. She said it would take a few days but I would be removed. I was placed back in repayment but i looked again today and I am in forbearance again without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I contacted Navy Federal Credit Union regarding an unauthorized transaction on my account. Date claim was placed with the credit union was XX/XX/XXXX ( Saturday XXXX XXXX ) but was sent a letter on XX/XX/XXXX ( Monday ) ( so in two days over the weekends ) and didnt get the letter until XX/XX/XXXX in the mail telling me the complaint was unfounded. They completed an investigation and denied my claim. Navy Federal Credit Union instead of completing an investigation regarding my claim of unauthorized charges. 

Today I spoke with XXXX ( Fraud Supervisor ) at XXXX XX/XX/XXXX, regarding this and she said it will take 3-4 days for them to reinvestigate the issue, however if the initial dispute was done in under 1 day why would it now take 3-4 days to " further investigate ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
On XX/XX/2023 I made a {$41.00} payments for the XX/XX/XXXX due date with Total Visa. They requested I send proof of cleared payment. I have sent numerous documents including a letter from my bank confirming the payments cleared. They keep saying that its not suitable. They have requested a statement but thats not available until the first of the month. They have add a late fee to my account as well while Im trying to resolve this matter.

Company response to consumer: Closed with explanation