vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I'm not sure what is going on I was having a problem with my online banking at chase. My password would change all the time and I noticed on the app it would say this part of the site is unavailable to try later and I did so and nothing change so I called chase and told them and there response was there is nothing wrong with are site. Also when I would attempt to reset my password the would volunteer my user name with out any security

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
XXXX agreed to a pay to delete for an account I had with them that was in a charge off status, I paid this account however they have not deleted it and it is still being reported as a charge off/ delinquent account with the amount owe of {$0.00} to all three credit bureaus. 

Additionally, One Main Financial is continuing to report an account on my credit report that is over XXXX XXXX XXXX. This goes against The FCRA 's seven-year lookback period codified at 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I disputed certain addresses and phone numbers on my credit report that were wrong or were not mine and every single time I get the dispute back saying they updated the information or deleted the address or phone numbers it comes back as the wrong addresses or phone numbers. I have proof of this and took pictures of the dispute report and those are not the addresses and phone numbers I disputed in the first place. It's like they made them up cuz I've never seen those before.

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 2024-11-08 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: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
They did not provide proof of assignment, chain of title, or insurance claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not
comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : 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 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 non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These debts in reflected charges in my account are the result of an identity theft. 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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy federal has been charging my card overdraft fees from places I dont even know or trying to make an ACH payment with no money in account. It over drafted my card many time and I had to pay them back to continue to use navy federal services. Overdraft fees are ridiculous especially when you dont even know that the account keeps trying to take a payment out its been very frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. 
The name of the original creditor to whom the debt was owed. 
A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. 
Proof of your authorization to collect on behalf of the original creditor. 
A breakdown of any additional fees or interest that have been added to the debt since its origination. 
Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. 

I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
All four of my accounts were closed due to a payment being returned but then made subsequently after. I called Capital One to explain that I was impacted by Hurricane Helene due to my job being located in XXXX North Carolina ( XXXX ). They still proceeded to close all four card accounts even though only one had a missed payment. 

I asked for an internal payment plan to manage the payments and they denied them saying nothing was available at this time. I then reached out to a third party I've used in the past to consolidate the debt on all four cards and make payments. On XX/XX/year> Capital One denied the request from the debt management company. I called in on XX/XX/year> to determine why the proposal was denied and was told that it's because the accounts were closed. The debt management company has said that has never been an issue in the past. I've inquired with Capital One how I should handle the matter as they are denying all attempts to make payment to them and could not receive a straight answer. I spoke with the supervisor XXXX ID : XXXX who noted on my account I am trying to proactively make payments but Capital One seems intent on not working with me to further impact my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing the charged-off auto loan account with account number [ XXXX ] on my credit report. This account has been reported inaccurately and is in violation of XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). I demand its immediate deletion from my report. 

Non-Compliance and Inaccuracies Include : Incorrect reporting of the Date of First Delinquency ( DOFD ). 
Misleading charge-off status and balance amounts. 
Inaccurate closed status without clear verification. 

If these items are not deleted within 30 days, I will proceed with a lawsuit for willful non-compliance with FCRA and XXXX XXXX standards, seeking damages for the harm caused by this inaccurate reporting. 

This is my final demand for deletion. Any failure to respond with full compliance will leave me no choice but to take legal action. I have consistently disputed to resolve the issue before taking legal action the credit bureaus state that it was verified and updated but that cant be true because with proper investigation they wouldve realized this account shouldnt be reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-08 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: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/24, I tried to secure a storage unit at XXXX XXXX XXXX ( XXXX ). When I tried to process the payment on that day, I got an error message from XXXX that the payment failed, but got a notification immediately afterwards that the payment processed through my bank, Chime. The funds were immediately deducted from my account. I called XXXX, they had no record of any payment on their end. I proceeded to call Chime, and was told because it was pending, I had to wait for it expire, which could take 7 days. On XX/XX/24, I had to go back to XXXX and pay again to secure the unit. This time it went through and processed. On, XX/XX/24 I checked my account and it shows that the payment did not expire and was paid out. However, when calling the merchant they have no record of that payment. Only the one I made on XX/XX/24, which still shows pending in my account. I entered a dispute with Chime, but now will have to wait 90 days for them to investigate. There is no one within Chime I can speak to to help expedite the claim. This situation put me in a financial situation that has been severly impactful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I sold a truck ( XXXX XXXX XXXX ) to someone back @ XXXX. He never titled the vehicle in his name and has contacted me saying he needed the release of lien since the company still has the lien active.

I contacted the company for him since they would not help him. They told me they found my old account and could send me the release of lien on the vehicle. This was in early XXXX. They said they could send it to me via USPS. I waited 10 days or so and called again. They said it takes some time to get it sent out and just wait a little longer. Still did not get it 20 days later. I called again. They tried to say they would send it through the mail again. Again, it did not show. I called them in early XXXX and asked them if they could fax it to me. They said yes and it would take 1-2 days to do that. I did not receive it after 8 days now. I will be calling them back again but I'm running out of options and need to get this vehicle out of my name and the new owner needs to sell it himself but can't because of this lien.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOP Pioneer Partners LP
State: VA

Complaint narrative:
Pioneer/XXXX  agreed to a pay to delete for an account I had with them that was in a charge off status, I paid this account however they have not deleted it and it is still being reported as a charge off/ delinquent account with the amount owe of {$0.00} to all three credit bureaus. 

Additionally, XXXX XXXX XXXX is continuing to report an account on my credit report that is over XXXX XXXX XXXX. This goes against The FCRA 's seven-year lookback period codified at 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CT

Complaint narrative:
fraudulent & inaccurate information shown on credit report. need it gone immediately

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 2024-11-08 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: NE

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To whom it may concern, I am writing to formally request that Bank of America update my credit report to reflect that a payment has been made on my account. Below are the details of the payment and account : XXXX XXXX Number : XXXX Money Order Tracking Number : XXXX - XX/XX/year> I no longer wish to have the account deleted. Instead, I will continue to make payments until the account is paid in full. I request that Bank of America updates all credit bureaus ( XXXX, XXXX, and XXXX ) to reflect that a payment has been received whenever I send them in. 

I appreciate your assistance in ensuring that my credit report accurately reflects my payment activity. Please confirm receipt of all payments, and provide written confirmation that the payment has been acknowledged and reported to the credit bureaus. 

Thank you for your attention to 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 2024-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased the gift card to use on XXXX for a specific purchase but XXXX will not accept this gift card. I have tried using it on several other websites and no one will accept the card. This card is not useful if it can't be spent. Amex is essentially holding this money captive until the date it expires in which they will claim all the funds.

Company response to consumer: Closed with explanation