vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2024-03-07 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had four late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!

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 2024-03-08 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: CA

Complaint narrative:
This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} 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 Balance : {$0.00}

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-08 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: DISCOVER BANK
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Discover Bank XXXX THIS ACCOUNT WAS FRAUDULENTLY OPENED. IT IS NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on my XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/23, XX/XX/23 ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!

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 2024-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GENTRY FINANCE CORPORATION
State: UT

Complaint narrative:
I am writing to formally address ongoing issues regarding the repayment process with Gentry Finance, specifically concerning interactions with an employee named " XXXX. '' Despite our efforts to fulfill my financial obligations, I have encountered numerous obstacles created by XXXX. These tactics, including harassment, coercion, and potential violations of the Fair Credit Reporting Act ( FCRA ), have significantly impeded my ability to fulfill my repayment commitments. 
Despite informing Gentry Finance that personal calls at my workplace are prohibited, they have persistently attempted to contact me there, disregarding my requests to cease communication through XXXX XXXX. Additionally, on XX/XX/23, I entered into an Authorization Agreement for Pre-Authorized Payments, granting permission for bi-weekly deductions from my checking account on the Friday I receive my employers paycheck. However, Gentry Finance has since refused to process payments according to this agreement, citing banking audits by XXXX XXXX  as justification. Gentry Finance made multiple attempts to deduct the payments a day before the due date causing payments to be returned. 
During recent interactions, XXXX 's conduct has been particularly concerning. She has made inappropriate comments, such as insisting I visit the office to make payments, despite our stated inability to do so, and using derogatory and condescending language when addressing my concerns. When my son made a payment in-person he reiterated my request to cease phone calls at my place of employment and was told tell your mom to make her payments on time then. Additionally, during a phone conversation in XXXX, XXXX provided false information and made threats regarding property XXXX without proper legal procedure. 
The use of such coercive and unethical tactics by Gentry Finance and its employees not only violates my rights as debtor but also poses a threat to public well-being. I request immediate action to rectify these issues and ensure future interactions adhere to legal and ethical standards. A copy of this complaint has also been sent to the Utah Attorney General Office to investigate the concerning tactics the business uses to collect a debt. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I used my United Explorer Chase Visa Credit Card to purchase two tickets round trip XXXX to XXXX departing XX/XX/year> and returning XX/XX/year>. Flight number XXXX going to XXXX and XXXX coming back. The ticket numbers are XXXX and XXXX. The ticket does not include a free checked bag, which I thought is not a problem because my Credit Card benefit states that I get one free checked bag for me and my companion AND priority boarding if I purchase a XXXX XXXX flight using my United Explorer Credit card. Today XX/XX/year> I found out that the flight is not operated by XXXX but that XXXX is operating the flight and XXXX is simply selling tickets as if it is a XXXX flight. Being worried that I would have problems with free luggage and priority boarding I contacted XXXX to ensure the free checked luggage and the priority boarding would be available on the XXXX flight. The agents told me that their promise of free luggage and priority boarding would not be honored on the XXXX flight because it is not XXXX operated and because I purchased the ticket from the travel agency " XXXX '' and not directly on the airline web site. I disagree with their characterization of facts. Number one nowhere in the Credit Card Terms does it state that the ticket has to be purchased from the airline website directly. The travel agency " XXXX '' is not listed as excluded. Second how should I know that the flight is XXXX operated, when the flight is sold as a XXXX XXXX flight with a XXXX XXXX confirmation number and XXXX XXXX XXXX symbols next to my reservation confirmation. I believe this is a " Bait and switch. '' I am paying {$100.00} for this credit card per year and expect to use the advertised benefits when folloing the credit card companies instructions on how to receive the benefits. The Credit card is broadly advertised by displaying only two conditions for free checked bags and priority boarding. It is advertised that one has to purchase a XXXX flight using the United Explorer credit card. I did this and I expect the promised benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Can they send me a copy of the certified certificate that they gave me proper notification of this alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a credit card at my bank.And when I looked at XXXX XXXX, It said I had 8 hard inquiries and 2 of them I have no clue who Those companies are. I already have a car and my loan is through a credit union that I go through and I have never even heard of these companies. The first company is Capital 1 auto finand the second company is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
This complaint is directed at AARGON Collection Agency, This corporation has been falsely reporting and illegally reporting and providing private information to 3rd party affiliate which is direct violation of the stated USC listed in this complaint. I've also requested to opt out on multiple occasions to no avail.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), July 21, 2010, 124 Stat. 2095. )

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 2024-03-08 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: TX

Complaint narrative:
Please remove the inaccurate accounts being reported on my credit 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Basically what happened with Credit acceptance is that I got an XXXX XXXX XXXX in XXXX from a car lot call XXXX XXXX XXXX. My car started to make noise and engine was going out after having my car only for XXXX months I ask can I switch my car out. They advise that I should still pay on the car even if it wasnt drivable. So I told them to come get my car in XXXX of XXXX they didnt come get my car until XXXX of XXXX. And I did not have my car for a year yet before stopped. Also they sent me a letter with a settlement that I feel like is not fair to pay due to my car stopping and I turn my car in.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: FL

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

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: WA

Complaint narrative:
I am a XXXX XXXX enrolled at the University XXXX XXXX distance learning part-time- a XXXX XXXXXXXX enrolled at least half-time. I should be able to get the In-School deferment. I have submitted the request about ten times and keep getting it returned. The reasons change. I called and was told by customer service at Mohela that they see the same thing I do and it should go through. I need to know what Mohela needs to prove that I am in school because I have already submitted what they requested several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: TX

Complaint narrative:
I made several complaints against Keybank to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with XXXX XXXX XXXX. It's Keybank during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. 
Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. 
In XX/XX/XXXX I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. 

At the time of closing my account and stealing my money, Keybank threatened that they will put negative remark on my history. 

Now recently when I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by Keybank, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter Keybak mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against Keybank. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. Keybank never gave me opportunity to fix the issue. Keybank took some unilateral decisions against me and now causing harm in future also. 
If I don't have bank account ( due to negative remarks from Keybank ) -I can not do any job. Will keybank pay for all my damages. 

I want immediate damage control by Keybank and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). Keybank can not send me in circles and ask me to reach out to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately 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