vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've disputed these accounts. 

On XX/XX/XXXX, I noticed unauthorized accounts on my credit report. I immediately contacted the companys customer service and credit bureaus to dispute the charge and was assured that it would be investigated. However, despite multiple follow-up calls and emails over the past six months, the accounts has not been removed, and I have not received any updates on the status of my disputes. Additionally, the company has continued to report this inaccurate information. This has negatively impacted my credit score and caused significant financial stress. I am seeking the removal of the unauthorized accounts showing on y credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I'm reaching out to address an issue with my credit report that has been seriously affecting my credit score. There is unauthorized and unverified information being reported, which is not accurate and has been dragging down my score. This has made it difficult for me to access credit and other 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 non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Subject : Cease and Desist Request Regarding Capital One Sak - False Late Payment Reporting To Whom It May Concern, I am writing to formally request the intervention of the CFPB regarding an issue with Capital One Sak. The bank has falsely reported a late payment on my credit report, which has negatively affected my credit score and financial standing.

I wish to bring to your attention that this action may violate 15 U.S. Code 1666b, which governs the timing of payments and the assessment of late fees for credit transactions. According to this statute, creditors must comply with the requirements regarding the posting and timing of payments to avoid the unlawful imposition of late fees. In my case, I have made all payments on time and in good faith, and the reporting of a late payment is erroneous and without basis.

Despite my attempts to resolve this matter directly with Capital One Sak, they have failed to correct the mistake. I respectfully request that the CFPB take immediate action to cease this false reporting by Capital One Sak and require the removal of this incorrect late payment from my credit report. 
Thank you for your prompt attention to this matter. I trust the CFPB will help ensure that my rights under federal law are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 I wrote a City Bank check payable to XXXX XXXX Bank for the amount of {$1400.00} dollars and this check never was paid to XXXX  XXXX bank instead was paid on XX/XX/2024 to a person name XXXX XXXX a mistake ( fraud ) done by a city bank I call several times to city bank and they told me that they will fix the problem and I should get credit back on my credit card this was 3 months ago now they told me that that case is close and I have to to pay them that why I'm filling a complain

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 2024-09-12 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I closed a CD with Marcus by Goldman Sachs on XX/XX/year> ask for a check to mailed as of today I've not received my check the XXXX tracking number that was given to me in invalid, I've place more that XXXX  called to Marcus by Goldman Sachs each time I've spoken with a supervisor and was told someone would call me back never happened, no one has proper training an investigation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax Dispute Information CenterRe : Notice of Dispute Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Delete this account because you are inaccurately reporting, This account was charged off on the following date XXXX. 
Since then, the account has repeatedly been updated as charge-off every month. 

This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I tried to get a repayment plan where they would lower or forgive and they never helped me on anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I applied for a credit card and was sent a denial letter on XX/XX/year> citing credit being too high, my credit references are not mature, and current or past delinquency on public record or credit file. Application referenced number is XXXX and when I called for reconsideration under adverse action law 15 USC 1697, the representative/agent told me to go to a website and that they have no reconsideration recourse for consumers other than the website. I went to the website address he gave but there is no place to lodge a complaint or ask for reconsideration.

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 2024-09-12 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: LA

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 identity theft. 

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 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated I am demanding the company block and remove the Inquiries from my consumer report not later than 4 business days after such information I provided. 

Inquiries : 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
Consumer complaint received 2024-09-12 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: TN

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 identity theft. 

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 2024-09-12 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2024-09-12 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:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I contacted Sallie Mae, which became Navient, many times over many years and asked to be placed in the most favorable repayment plan for my situation ( XXXX, unemployed, with significant financial hardship ). 

Instead of placing me in an income-based repayment plan, they placed me into forbearance and deferment for the maximum period allowed by law. 

It wasn't until I exhausted all allowable months of forbearance and deferment and called dozens of times pleading for help that I finally found someone at Sallie Mae/Navient willing to allow me to apply for an income-based repayment plan in XX/XX/year>. 

Since this experience, my loans have been transferred to XXXX XXXX, then XXXX, and now XXXXXXXX XXXX 

It is my understanding that all of these months in forbearance, deferment, and financial hardship are supposed to be credited to my account by the Department of Education with a XXXX XXXX XXXX XXXXXXXX, but this has not happened yet. 

I am still waiting and very worried that Salle Mae/Navient 's negligence will add many years to my loan term.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
uknown inquiries on my credit report. i did not knowingly or willfully authorize these inquiries. please delete this inaccurate items 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
uknown inquiries on my credit report. i did not knowingly or willfully authorize these inquiries. please delete this inaccurate items 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

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 2024-09-12 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: FL

Complaint narrative:
The company is publishing inaccurate information on my credit report and this is affecting my credit and my finances and I may not be able to apply for new credit because of this.

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 2024-09-12 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: LA

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 identity theft. 

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: MA

Complaint narrative:
My Upgrade checking account has a Cash Back debit card associated with it. The card rewards 1 % cash back on all purchases with no limit. Terms can be found here XXXX XXXX XXXX  My checking account was closed on XX/XX/year>. Upgrade did not pay out the outstanding cash back rewards for transactions that were made prior to this date. My debit transactions from XX/XX/year> to XX/XX/year> amounted to {$35000.00}. I should be awarded {$350.00} in cash back but was not. 

I have attached the statement for XX/XX/year> as well as a print out of the Upgrade XXXX showing the 1 % cash back being awarded for the transactions but not paid out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
Kept receiving phone calls that started around XX/XX/year> from a few different numbers that never left a voicemail. I received a letter at my mother 's home that was in my name and was from the CBE Group debt collections claiming I owed them over XXXX from an overdue XXXX account. On XX/XX/year>, I answered CBE 's phone call and they wanted me to pay that " debt '' right then and there, but none of the information they provided ( other than my old address and name ) was correct. I hung up, blocked their numbers, but they continued to call incessantly. On XX/XX/year>, I finally called XXXX and they said I have no debt owed. I also called CBE to try to have them validate this yet again, and they couldn't even tell me what the purchases were and they kept wanting me to give them more personal information in order to " dispute the debt ''. After being on the phone for far too long and going in circles, I told them for the millionth time that this is not my debt, I will not be paying it, and basically leave me alone and stop calling.

Company response to consumer: Closed with non-monetary relief