vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: HI

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid for a service and it was cancelled, and I showed proof of refund but the credit card hasnt done anything to help me resolve this dispute favorably.

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 2024-05-15 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: N.A.R., Inc.
State: AZ

Complaint narrative:
XXXX XXXX I was notified by my landlord that a family member of my landlord was contacted by North American and badgered them if I resided at a property the family member owned and if they knew me. They ( the family member ) stated it was confidential and they kept asking her if she knew me and if I lived at XXXX of her family members properties. The landlord called me and notified me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
As Requested : My reservation # was XXXX for {$2.00}. The vendor has now purged the receipt from their website. I am suppose to be protected against fraudulent charges. The XXXX needs to pull the reservation number from the vendor XXXX I sent a portion of the receipt which was not accepted. I did not agree to the {$30.00} charge nor did I sign for it. I agreed to the {$2.00} charge. The vendor fraudulently added an additional {$30.00} to the charge. I have made numerous attempts to work with the vendor to no avail. The Credit Card Company has the documents that I have submitted to them. I also included my XXXX XXXX XXXX which gives me entry into all XXXX XXXX. I discussed the situation with the XXXX XXXX and was told that I should not have been charged for the {$30.00} XXXX entrance. The {$2.00} reservation charge is valid. i am not contesting the {$2.00} charge. 

Subject : XXXX XXXX XXXX - XXXX - {$1700.00} Dispute a Recognized Card Charge Navy Federal Response XX/XX/year> : Thank you for using Navy Federal 's eMessaging Service. We have received your documents and upon further review they are not sufficient to move forward. We are happy to reopen your dispute claim for review with the following documentation : Acknowledgement/receipt from the merchant regarding a credit or refund. 
Full copy of receipt as the email confirmation provided does not contain any information to identify it with the merchant. 

You may attach your documents to this eMessage. We look forward to your reply.

The Credit Card Charge Disputes is available Monday through Friday, XXXX XXXX pm XXXX. If you have any questions, please send us an eMessage or you may call us at XXXX. 

Sincerely, Credit Card Dispute and Resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: GA

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00}

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 2024-05-15 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: FL

Complaint narrative:
FCRA 605B, I think, requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates being reported.

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 2024-05-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-05-15 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: TX

Complaint narrative:
I did not authorize any inquiries into my credit report. I reached out to Experian to investigate but they provided me a number to contact the creator. To my knowledge it is their responsibility to investigate any information reported. I did not initiated any inquiries into my credit. Please invest age and delete. The inaccurate information mentioned above is negatively impacting my credit score and financial standing. XXXX XXXX XXXX XXXX XX/XX/2024 2024

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 2024-05-15 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: NY

Complaint narrative:
I am writing to dispute this item on my credit report that I believe to be inaccurate. 
I request that you investigate this disputed item and remove or correct any inaccurate information within XXXX  days. 
Please send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : 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 2024-05-15 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: NY

Complaint narrative:
I am writing to dispute this item on my credit report that I believe to be inaccurate. 
I request that you investigate this disputed item and remove or correct any inaccurate information within XXXX  days. 
Please send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with 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 2024-05-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert text where a transaction of {$330.00} was denied on my card. I am in XXXX XXXX XXXX so I reviewed the message once I awoke and confirmed with Chase bank that I did not make that purchase. They canceled my card and asked me to review my account for any other transactions that may have been made. I found XXXX transactions made under the same name for {$50.00} & {$43.00} with an exchange rate cost of {$1.00} & {$1.00}. The transaction was made in XXXX from XXXX XXXX. I flagged them as fraud and was temporarily refunded the money. My claim was then denied on XX/XX/XXXX. I called the customer service line requesting help and was told I could provide proof that I was not in XXXX XXXX and send it via XXXX XXXX XXXX Texas with a processing time of 10 days. I requested a different avenue of communication because according to the Chase bank Statement I received, my money would leave my account before the XXXX  day period of processing. On top of that, I do not have a car and can not get to a XXXX soon enough to mail proof nor print proof especially because my card is canceled. I was then given a fax number which I again tried to explain I dont have access to. I requested a phone number of the claims department so I could call once I gathered proof of my location. I was given the number : XXXX. I signed up for a free trial on XXXX. An app I have used for the past XXXX  months so I could review my location history. I took screenshots proving my location at the time of the transaction. I called the number I was provided which only brought me to the standard Chase number to review basic information of my account. I then called the help line again which brought me back to the same woman I originally spoke with. I asked to speak with someone else when she wouldnt provide another avenue to send my information. I was transferred to a man that informed me that I could upload my documents to the mobile app. I was thankful for this information but confused as to why that wasnt provided in the first place. It has since been added to my claim but no updates have been made and my account will be empty as of tomorrow XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MD

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with 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 2024-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am a cosigner on the loan. My son is the primary and has not maintained the necessary income to make the required payments monthly/annually. I have made payments most years due to his low income. The company will not agree to lower payment terms that are in line with his income. They will offer forbearances from time to time and have offered multiple forbearances over the past several years. The loan is now coming out of a 3-month forbearance effective XX/XX/XXXX. I have been out of work for the past 6 months. My son was unemployed for some time as well. Navient agreed to this last forbearance due to our circumstance. However, XXXX XXXX XXXX XXXX and my work is not always consistent since Covid. His income is still relatively low. XXXX XXXX  did not live up to what it promised and the curriculum ( 10-12 hour days ) was not sustainable for him and he eventually failed the course. The loan has been through 3 different institutions XXXX, XXXX XXXX XXXX, now Navient. The loan of XXXX is now XXXX and payments were {$370.00} to start now $ XXXX. We started making payments in XXXX. We have seen instances where Navient has been required to forgive loans based on their bad practices but they've consistently told us that we do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I signed up with their agent for a program where I was to make a payment of XXXX dollars a month for 3 months and at the end of that the late fees etc where supposed to be removed and I would be back on track. I did that and actually made 2 payments of XXXX dollars. One payment was made on the XXXX of XXXX for XXXX dollars another made on XXXX of XXXX for XXXX Dollars and the initial payment of XXXX made on the XXXX of XXXX. After making these payments absolutely nothing happened and when I called first I was told it could tak a few days for it to reflect ok fine. I called back a few days later and was told I was being transferred to someone who could help and the phone went dead they hung up on me. That happened 3 times. I tried again today and was told since my first payment wasnt made before the XXXX th it didnt count I did not start the program till the XXXX and when I spoke to their agent a few days before I was told and I quote you should be fine as long as the payment is made before the end of the month. Funny they have no recollection of that call wonder why? Then today their agent after again insisting that I signed up online and should have made the payment on the XXXX th. That he could enroll me in their special zero interest program for 6 months. I told him I will want that in writing since you have already lied to me I bluntly do not trust anything you say over the phone. He told me he cant give me that in writing but would I like to sign up. I hung up. The agent earlier today told me if I pay XXXX today mind you I already paid XXXX this month I wouldnt owe anything till my next month payment of XXXX. I have been lied to gaslighted hung up on several times and am not at all happy

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