vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 a account without my written instructions 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 2024-01-19 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: FL

Complaint narrative:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
In XX/XX/year>, I met with a representative from One Main, to Refinance a car loan that I already had was under the impression that it was a car loan that gave me additional funding to use as a personal loan, until I signed. I found out that the loan was no longer a regular car loan that I can shop around in the future to Refinance with other companies. I was told that they turned the Car Loan into a personal loan using my car as collateral for the loan?? So I can't trade my car in for an upgrade because I no longer have a car loan they purchased my car, holding the title and made it a personal loan, which forces me to pay way more than my car is worth in monthly payments and no leverage to upgrade without paying the LOAN off. Very deceiving as the initial sign up passing this loan and a regular Refinaced car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Netspend Corporation
State: IN

Complaint narrative:
I supposed to revive a direct deposit from XXXX XXXX  and I havent got it because they say there was a problem and is the amount of {$450.00} they deposited on Wednesday XXXX to my Netspend skylight debit card the company told me they cant do anything because they already deposited. 
If I can get a call please ( XXXX ) XXXX. Or if I can have a number were I can resolve this problem please. Thank you

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 2024-01-19 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: IN

Complaint narrative:
On XX/XX/2023 I was reviewing my Equifax report upon reviewing it I seen that there were two inquiries on my report that I did not give permission for the companies to run my credit I called Equifax and asked them to remove the inquiries because they were not authorized inquiries, and they reported that they could not remove the inquiries and to file a FTC report.. I then filed the FTC report and submitted a dispute with Equifax requesting them to remove the inquiries. They then sent me a letter stating that the information was accurate and they were not removing the inquiries the inquiries I am requesting to be remove are XXXX on XX/XX/ and Equifax mortgage service done on XX/XX/. I have also attached my report from the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I have taken personal loans out from One Main Financial in XXXX Alabama. One particularly was in XXXX and the other XXXX. I did not want any additional coverage not required to be had for either loan but these additional coverages and fees were still added to my loan causing me to pay for unwanted services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Your agency 's blatant negligence has driven me to a state of severe distress and frustration. A recent investigation into my credit report unearthed a cesspool of unverifiable, invalidated, inaccurate, and questionable items, casting a dark shadow over my financial well-being and mental health.

The Fair Credit Reporting Act explicitly mandates that every entry on a credit report must be 100 % accurate.

Yet, the accounts under your jurisdiction, as highlighted in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in direct violation of this fundamental requirement. The impact of your agency 's incompetence on my life is immeasurable. I am attaching copies of all previous communications, which outline the egregious discrepancies that demand immediate rectification. I demand swift and decisive action to correct these violations. Failure to address this matter promptly will leave me with no choice but to pursue legal avenues to enforce my rights under the Fair Credit Reporting Act. I anticipate your immediate attention and corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Dispute claim # XXXX I made a purchase at XXXX XXXX of {$240.00}. When the purchase arrived, the item did not match the description on the website ( website indicated the shoes to be white, the shoes received were white with grey stripes, there was no mention of white stripes in the description nor were they shown on the image provided in the website ). I contacted Chase and was told to work with the merchant prior to filling a dispute, which I did. After several months of back and forth, the merchant refused to accept a return of the merchandise. They stated they no longer accept returns on XXXX items, even if they send the incorrect item. Because of this, I went forward with filing a dispute with Chase. Between falling ill, being out of state and the holidays, the dispute was not filed until XX/XX/. Chase now states I did not file a dispute in time ( they indicated I would have needed to file 4 days sooner ) for them to be able to recover funds. When i initially called, I was not advised of a timeframe, nor was a timeframe provided at the time the dispute was filed, had I been made aware of this, i would have skipped working with the merchant and filed the dispute right away. In the denial letter I received, it indicated the claim was not approved because I authorized the charge. I acknowledged authorizing the charge at the time of the billing dispute, the reason for the dispute was due to the goods received not matching the goods ordered. I have emails and photos that prove XXXX did not send the correct product, but was not allowed to provide any of this information. I feel this is a deceptive practice that allows the merchant and bank to work together to ensure the customer is unable to receive compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
My credit report states that the account was opened XXXX  and the debt owed is {$180.00}. 
I did not have XXXX  around this time at all. This is completely false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have a secured credit card with Navy Federal Credit Union. I'm not able to make payments on this card. I called their card services department to ask the account be closed and they can bill me for the {$20.00} late fee just incurred. The card services member informed me that the only way to close the account is to pay the late fee first. The implication is that if I'm not able to pay the late fee then the account remains open accruing more lates making it even more difficult to close the account. The credit card is secured and the interest for the month is {$4.00} but the late fee is {$20.00} which also seems to be abusive considering the amount of the interest due for the month. All I am asking is to close the account to not incur additional late fees and I will pay the late fee as soon as I am able.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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 found inquiries that dont belong 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information listed in my personal credit report is inaccurate and invalid.

I have in the past disputed this same information and it was eventually deleted and it is not re-appearing on my personal credit report along with some new invalid information.

Name Addresses Employment

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 2024-01-19 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
After a review of my discover credit card account, I found a mysterious charge of {$200.00} from discover during the holiday season. Ive contacted discover about this and other mysterious activity ; find the procedural history below. 

1. I opened a secured card with discover with a {$200.00} deposit. After 6 months of on-time payments, discover was set to return my security deposit and raise my credit limit.

2. I requested the security deposit be credited to my discover credit card account but for some reason this was not possible. [ This was the first opportunity to eliminate ambiguity ] 3. I asked for the security deposit to be credited to my debit card but for some reason this was not possible.

4. Discovers option was to send a check. I never received the check from discover.

5. I asked the security deposit be credited to my traditional checking account and discover agreed to issue a stop payment on the check then send the security deposit to my checking account. 
6. After receiving the security deposit in my checking account, I made a payment from my checking account to my discover credit card account in the amount of {$200.00} on XX/XX/XXXX ( posted on XX/XX/XXXX ) in the spirit of my original request. 
7. On XX/XX/XXXX my discover credit card account was erroneously charged a - {$200.00} adjustment fee. 
XXXX. On XX/XX/XXXX after discovering the adjustment fee, I contacted discover for a reason for the adjustment fee, receiving two explanations 1 ) my checking account bank allegedly returned the payment? ( no, my checking account bank says that never happened ). 2 ) Discover allegedly gave the security deposit to me twice by mistake ( no, this did not happen )? 
9. The result of the actions is that my discover account is overcharged by - {$200.00} and I may have been overcharged on interest. 
10. Discover describes the situation as crazy alleging : " Two refunds were sent via electronic deposit ( ACH ). The first was sent on XX/XX/XXXX. The second was sent on XX/XX/XXXX. '' a. Not possible. My bank would have the records and they have stated they do not. More specifically my bank statement listed only one discover credit on XX/XX/XXXX in the amount of {$200.00}. 
b. discover has refused to provide the ACH tracking numbers of the alleged transactions which would quickly prove that discover did not send me two electronic deposits ACH. 

The only remedy for this discrepancy is to add + {$200.00} ( as a credit ) my discover credit card account. 

P.S. I received two email responses from discover stating my credit card balance is allegedly ~ {$660.00} and also stating that I am eligible for a {$1.00} statement credit. This of course falls short.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Fraud debits were pulled from my account via a debit charges. In the years that I have had my debit card I have used it only twice, just before the fraud charges hit my account. The information of the man who did the fraud and the names of the people that got the money transferred to them was given to Huntington Bank representative when I open a new account. XXXX XXXX # XXXXwas the person who committed the fraud. The money was transferred to XXXX and XXXX XXXX  to XXXX XXXX The other person was a XXXX ( last name I can not find ) this infor was given to Huntington bank. XXXX transfered XXXX and XXXX XXXX transferred XXXX charged to my debit card. on XXXX XXXX XXXX transferred XXXX twice. charged to my account. I feel that these charges are obviously not mine and should be reversed. Huntington Bank has put me in serious financial trouble by not refunding these funds. I am retired, visually impaired and recovering from XXXX XXXX treatment. A ps on this site would be that black font would be easier to read, I am usinga magnifying glass to try and read the screen

Company response to consumer: Closed with monetary relief