vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXXXXXX XXXX and XXXX XXXX i complaint to cfpb about XX/XX/XXXX # XXXX XXXX XXXX, # XXXX, and on XX/XX/XXXX, # XXXX again trying to collect.And i was having same issue with XXXX after payment on time for XXXX i thought i switched to progressive give chance to get lower payment..My quote was {$35.00} amonth for XXXX  months so i shared my credit card information.Than they charge my c/c {$170.00} more than i thought i was paying for simple coverage for my XXXX XXXX XXXX tried contacting capital one online but their stupid questions does not cover items like?? yes i gave my information, but i not approved the wrong amount i was charged..No i didn't call capital one because i always get someone can't speak English clear..I my XXXX XXXX c/c i was trying to dispute charge of {$170.00} i didn't approved of it.And now i got XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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.

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 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

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.

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 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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I checked my report for first time in awhile I & there were inquires on my file I never authurized

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 2024-09-04 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: CA

Complaint narrative:
This is XXXX  me, you are violating my rights as a consumer which is really disheartening. I value my credit score a lot but these inaccuracies in my credit you are reporting has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and disregarded to rectify these issues and my concerns regarding the errors on my credit report, it's stressing me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
I opened a checking account with Axos bank on XX/XX/XXXX with a promotion. The promotion will credit {$400.00} to the account if I maintain a {$3000.00} daily balance and at least {$1500.00} direct deposit a month. I am paid every two weeks. I set up {$1000.00} for each direct deposit so there will be {$2000.00} for each month. Since I opened the account in the middle of XXXX, my first deposit came in on XX/XX/XXXX and the second deposit came in on XXXX. 

Today I received {$100.00} bonus, when I called Axos, they told me I didn't meet XXXX direct deposit requirement. I didn't know they are looking by calendar months. It was not indicated anywhere when I opened the account. 

I request Axos bank to credit me the remaining {$300.00} bonus because of their fault to cause the confusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX I had a credit card with navy federal, but also I had a policy insurance of {$12000.00} with them ( through XXXX XXXX XXXX affiliated with Navy Federal ) to cover me in case I become unemployed or sick When I lost my job XXXX and became unemployed they denied my claim to cover me during the hard times hence I couldnt pay my credit card for quite sometimes.

The debt became overdue then they closed the account and marked charges off on my credit. From XXXX to XXXX I maintained a record with navy I was paying on time, even though I owed a lot than the policy can cover I deserved to be covered no matter.

I believe discriminated based of my origin and ethnicity hence my claim was denied, they charged me a premium for the insurance since XXXX there so they shouldnt deny my claim. 
Plus it was right after the Covid-19 pandemic everyone knows how it was difficult to get a job.


Navy federal sold a debt to a 3rd party, I dont know the new creditor they never contacted me ( which is illegal I never had opportunity to excise my rights ). The new creditor is working with court officials and collections agency behind my back so they can messed up my credit report. I will attach documentation and statements to clarify my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I had an account with chime opened it back in XXXX then in XXXX I had money deposited into my account then a few days later they closed my account and made it where I had no access to it. They still never sent me my closure check, here we are 4 years later of me still.trying to get my closure check and they keep lying to me about it I've gotten 5 different lies already from them 1 saying the check was mailed but they can't see it, another being the check was mailed to my state, another lie was it was mailed to my new address, they also lied saying it was gon na be coming this week, then they said they were gon na have someone email me it's been 3 weeks no email, then they said they could just void the check and put it back into my account which they haven't done, they hung up on me they have been no help at all and I have lots of proof of them lying to me all I've wanted these past 4 years is my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2024-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Monterey Financial Services LLC
State: NH

Complaint narrative:
Account Number : XXXX Contract ID : XXXX On XX/XX/year>, we submitted a final counteroffer of {$5000.00} to settle our account with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00}. We have been in an ongoing dispute with XXXX XXXX XXXX XXXX XXXX for over two years due to fraudulent activities related to how we acquired the timeshare. Given the circumstances, this amount is fair and sufficient.

Despite our efforts to resolve this matter, Monterey Financial Services has failed to provide accurate and clear information regarding the status of our settlement offer. This has caused considerable distress and inconvenience to us.

We seek the Consumer Financial Protection Bureau 's assistance in confirming the {$5000.00} settlement amount to cancel the timeshare with XXXX XXXX XXXX XXXX XXXX and ensure that Monterey Financial Services provides accurate and transparent information regarding our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I made a payment of {$300.00} on XX/XX/year>. {$280.00} to loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to XXXX XXXX the payment came out of my account on XX/XX/year>. EdFinacial did not update my account until after XXXX EST. The parlance only showed a small amount removed from loan XXXX XXXX. The balance did not change on loan XXXX XXXX. If I continue with paying {$280.00}, I would have loan XXXX XXXX paid off in XXXX weeks from this last payment but due to the payment not being updated, it remains at XXXX or until they decide to make the correction. Attached is screenshots of my account balances before and after payment, receipt confirmation email that payment was made, the receipt of the money coming out of my bank account in the amount of {$300.00}, and a screenshot of my account balance where no changes were made to loan XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had been hacked so I froze my credit report with XXXX. I wanted to apply for credit so I went to unfreeze the account and was unable to access my account as it said my phone number was wrong. Ive had the same phone number for 50 years. There is no ability to reach a human. I have tried their help system, which brings you back to the same recordings that dont get you the information you need. I have gone on their XXXX page and I have tried messaging them. Nothing was done.

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 2024-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
On XXXX XXXX, 2024, USAA, withdrew {$40.00}, dollars, from my checking account, from XXXX XXXX XXXX, l. I did not ask USAA, to make such a withdrawal. XXXX XXXX XXXX, provided this Reference Number for reference # XXXX. USAA, informed me they did not make this request, I believe this is a continuation of a ongoing problem with someone manipulating my banking account with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED!

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 2024-09-04 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: NJ

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-04 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: NJ

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-09-04 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: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed.

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.

Equifax 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! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a new auto loan customer in TX, where I purchased a used vehicle from XXXX XXXX, XXXX XXXX XXXX ( XXXX ) via indirect auto loan through Truist ( XX/XX/year> ). As part of the deal, I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I have been unsuccessful in my attempts to cancel this product. First, contacted administrator to have them cancel ( XXXX ), they said they did not have my details in their system and referred me back to dealer. Called dealer ( XXXX ), the receptionist had no idea who I should speak to; was unable to assist me in getting to the right area. Finally, called my finance company ( XXXX ). Was advised that they are only the finance company and that I would have to work with the dealer to resolve. I asked if they provide any oversight of the dealerships they have a relationship with and was told no. I advised the representative that I felt like I am being treated unfairly, where I am being charged a material amount ( cost of the product ), being given the run around when trying to cancel, I also expressed my concern to the representative that they feel they have no responsibility to provide oversight of the dealers they are in business with to confirm they are not treating consumers unfairly ( complaint number I was given : XXXX. I have no use for the product ( as I purchased new wheels/tires the same day i purchased the vehicle ). I should have the ability to cancel a product using the contact information from the contract/original deal ; I have no use for product now and further feel that the bank providing funds and making money off of the deal should have some level of responsibility in assisting in customer redress, when consumers are given the run around by administrators and/or dealerships.

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 2024-09-04 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: GA

Complaint narrative:
I've been a victim of a data breach that's resulted in identity theft. Under 15 usc 1681 I have a right to privacy. I'm requesting a re-investigation on the accounts that I've disputed based on 15 usc 1028a aggravated identity theft. on XX/XX/year> I've disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which came back verified.

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