vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX Bank for improperly reporting a balance on my credit report that was supposed to be covered by GAP insurance. This balance should never have been assigned to me, as my GAP insurance provider was responsible for covering the outstanding amount due to an insured incident. Despite my efforts to resolve this matter with XXXX Bank and to inform them of their error, they have continued to inaccurately report this balance, causing undue harm to my credit. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes a misleading representation of my debt obligations. It is XXXX Banks duty to verify the accuracy of the information they report and to refrain from representing any balance as due when they know, or should have known, it was supposed to be paid by GAP insurance. The reporting of this balance as a legitimate debt violates the FDCPA 's prohibition against using unfair or deceptive means to collect a debt.

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: LA

Complaint narrative:
I am writing to file a formal complaint against XXXX Bank for improperly reporting a balance on my credit report that was supposed to be covered by GAP insurance. This balance should never have been assigned to me, as my GAP insurance provider was responsible for covering the outstanding amount due to an insured incident. Despite my efforts to resolve this matter with XXXX Bank and to inform them of their error, they have continued to inaccurately report this balance, causing undue harm to my credit. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes a misleading representation of my debt obligations. It is XXXX Banks duty to verify the accuracy of the information they report and to refrain from representing any balance as due when they know, or should have known, it was supposed to be paid by GAP insurance. The reporting of this balance as a legitimate debt violates the FDCPA 's prohibition against using unfair or deceptive means to collect a debt.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Loan began on XX/XX/XXXX and since then I am unable to figure out the outstanding balance as interest was calculated as if this was a revolving line of credit by Santander. It is a note that late fees should assessed at fixed amount. As it stands now, even after all XXXX payments of {$750.00} are made through note maturity in XX/XX/XXXX, the loan will still have an outstanding balance. This is even if every XXXX  is applied to principal, but of course In addition, because of this continuous artificial late payment calculation my credit has been severely damaged. Part of the problem seems to be rooted during the XXXX month XXXX relief period in which I made payments that they applied 100 % to interest when my intention was to pay principle.

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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The credit card with CapitalOne is a company card that was a charge card and not a credit card. We have been using CapitalOne for 7 years through out our entire business history. And we have never ever paid late nor I have ever had bad credit reported on my account. However, as we were working with CapitalOne on a regular basis, they have decided to charge this account off even though we were making payments, and they have hit me with the bad credit reporting and that was not what we agreed on. Now they are refusing to remove the reporting, and it is killing us in many many ways when we are conducting the business. They are not assigning a POC to even talk to. We are calling in the regular customer service line and going through a million transfer to even find the right department. No matter how many times we ask for escalation, they refuse and they just come back reading the same script as if we are talking to a bot and they are not even considering anything. They are basically there just to perform defamation. 

Also, this was a business credit card to start with and it should not have been reported on my personal record. And as a small business, we have been struggling a lot this year due to the economic challenges. And this has been an unfair, unforgiving act without any agreement approaches on the payment plan no matter what we said and accepted. 

I would like to appeal this and get this resolved through the CFPB please. As for everyone else, please be careful when banking with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX I closed my deposit account, the money was supposed to be sent to me by check within a few business days. A week passed but I did not receive the check. I called the bank, they told me that they saw from the tracking number that the check was delivered. I reported that I did not receive the check. I was advised to fill out a form about a lost document and upload it to the website. I filled it out. Uploaded. After 6 business days I called the bank to find out if they sent my check. They told me that my second check had already been delivered and gave me a tracking number. From the tracking number I saw that it was delivered to the wrong address, apparently like the first check. I reported this to a bank representative, and he said that the wrong address is in my profile, although this is not true, I have been working with this bank for five years, I receive cards and letters from them, which confirms the fact that the address in my profile is still correct, and I have never changed my address in the last five years. I filled out the lost check form for the second time. This form was filled out on XX/XX/XXXX and uploaded to the bank 's website. On XX/XX/XXXX I called the bank to find out the tracking number for my new check, but they told me that they issued a check on XX/XX/XXXX and sent it by regular mail, and it should be in my mail around XX/XX/XXXX. On XX/XX/XXXX I still have not received my money, and every time I call the bank they give me different information about the mailing date, about the check number, it seems like they do not have reliable information. I called the bank today on XX/XX/XXXX and they offer me to fill out the lost document form again. It has been 1 month since I closed my account but I still have not received the money and reliable information on how and when I can get it.

Company response to consumer: Closed with 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This company was involved in a class action lawsuit that ended in a class action settlement. My car loan was included in that lawsuit. They were also involution XXXX code. There was also a judgement that stated that any deragatory information associated with this company as far as reposession needs to be removed from my credit report.

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: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach resulting in identity theft. As a result, fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of these accounts from my credit file. 
Below are the details of the fraudulent accounts that I am disputing : XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$2400.00} XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$5900.00}

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 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a zero balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation. 

Please conduct a comprehensive investigation and update my credit report accordingly. I expect a written response within 30 days, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My Student Loans were forggiven, but on my credit report is listed as I owe {$0.00}. 
I didn't get the disclosures I should have gotten but yet it's being reported on my credit report.

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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an account with Amex Platinum with no preset spening limit. They sent me the bill ( Bill of Exchange ) that I paid with an endorsed negotiable instrument totaling {$200000.00} on XX/XX/XXXX. UCC 1-304 They received my payment as I have proof on cerified mail with return receipt. 
Next they lied and said they did not receive the payment, said they shredded the payment, didn't shred the payment and would sen it back to me with a letter. ( all in same phone call ). They did not return the payment but did send a letter on XX/XX/XXXX stating why the payment was not accpted. UCC 3-603 states that even if payment is refused the debt must be discharged by law. 
Next they requested financial docmuments for a financial review ; bank statements for 3 months. I have been a client in good standing with Amex since XXXX  ; never paid late or missed a payment. I provided the bank statements as requested and Amex still closed both my accounts and has not returned my payment. Amex is in Breach of Contract, Breach of Fiduciary Duties and Breach of Conditional Acceptance

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: NY

Complaint narrative:
I just recently looked at my report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because ( XXXX XXXX XXXX ) open date is not reporting correctly, high credit amount, last reported date, comments, date of last payment ( XXXX XXXXXXXX XXXX ) open date is not reporting correctly, monthly payment, account status, Balance, high credit, last reported, date last active, I only received a letter stating the accounts were verified but as you can see in the supporting documents, they are still currently all incorrect. 

In addition, I was not provided any documentation proving the accuracy of the accounts this is clear violations of my right under the fair credit reporting act and is causing me a severe hardship

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. 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: 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit score dipped from exceptional to very good with nothing showing that hurt my credit or anything new that I deserved a drop in credit score

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
I schedule my monthly payment and they are canceled by the credit card company and then Im charged a late fee. I ask for an investigation and to waive the late fees, then I get a email saying denial to waive late the fees. This has been going for 2 months.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

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 XXXXXX/XX/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