vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Someone was able to get access into my Experian account without my knowledge. They were able to get into my account and apply for a smart money account before changing my information. Which is why I received an alert that said I will be receiving alerts about smart cash. Once I noticed the change. I immediately went into my account to see what was happening. However the individual was able to change my email and phone number on the account and then logged me out of my account. I have been trying to call Experian with absolutely no success. I am unable to speak to a live individual. I did not receive ANY notification that my personal information was being changed as things were happening.

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 2024-11-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was given a {$300.00} gift card that says its a XXXX but the card says prepaid balance.com. The gift card was purchased at a XXXX store on XX/XX/year>. I have tried to use the card multiple times and every store says the card might be fake.

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 2024-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Claim # XXXX for {$16000.00} opened on XX/XX/year>. There were multiple unauthorized transactions on checking account from debit card with merchants of international origin. Once I opened the claim, the next business day multiple transactions ( 5 merchants for total of {$8700.00} ) were refunded directly from the unauthorized merchants with no contest. All of these merchants are based in XXXX as evidenced in research into companies provided in supporting document. 

On XX/XX/year>, claim was DENIED for the other transactions with reason " Due to authorization and/or participation in the transaction activity ''. I provided additional document showing research that the merchants are based in XXXX, XXXX. I have never done business with these businesses. Logical reasoning would show that if a handful of merchants that were disputed in this claim automatically refunded me once claim was filed, and the other remaining merchants are also based in same country XXXX, then the remaining transactions ( that were denied ) must also be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current report.

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 2024-11-29 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/year>, my tire went flat right outside of XXXX. I called a company, XXXX XXXX XXXX. They promised a XXXX minute response and to bring a new tire. After waiting XXXX minutes, they called and said XXXX more minutes, then after waiting approx XXXX minutes, they called and said XXXX more minutes. I had been reading the reviews on this company after the first phone call : XXXX XXXX XXXXXXXX. I saw that this might be a scam, I told them to cancel and they refused. Waited another XXXX minutes and I was able to plug the tire enough XXXX XXXX the XXXX hours home. I called when I got home and they said someone was on the way and I said cancel because I'm home. They refused and now I'm charged for a tire and a tow that I never received. Bank of America refuses to remove the charges. I'm unsure how I can be charged as non-refundable for a good or service that was never received. How can I be charged for a tire when I didn't get the tire? I have called bank of america and I have disputed the charge with bank of america. They are taking the merchant 's side by saying there is a transcript that services are non-refundable. There has to be a refund available by law for goods not received no matter what a transcript from a scammer says???

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 monetary relief
Consumer complaint received 2024-11-29 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is : XXXX XXXX. 
My Social Securite Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Accounts : Account Name : ACIMA DIGITAL FKA SIMPLE  Account Number : XXXX Balance : - Original Balance : {$1500.00} Date Opened : XX/XX/year> Errors : 1-Why is the Balance Histories not reported?, Why did Acima delete it?, Now it is even more incomplete, Is it supposed to be reported month after month?, Show me the complete payment history month by month with your balance, your Scheduled Payment each months, how much i paid each month in XXXX, Why did you delete the Balance Histories?, You couldn't verify the account and preferred to block it?, Fix and provide all this months in the Balance Histories in XXXX or delete the entire account. 

XXXX don't the XXXX payments I made of XXXX appear in the statements you sent? I attach proof of the payments I made.Acima continue to report false, misleading and inaccurate information If you are unable to comply with Regulation V and comply with the FCRA, why do you continue to report an account that you are unable to correct and report accurately?

Provide experian with a Balance History for all months or delete the entire account. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2024-11-29 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: FL

Complaint narrative:
Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. Account Name : XXXX XXXX XXXX Account Number : XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2024-11-29 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-29 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: FL

Complaint narrative:
I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. I previously disputed this with Experian on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings. 

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act.

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information.

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date.

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 2024-11-29 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: FL

Complaint narrative:
I am filing this complaint to dispute the reporting of late payments on my credit report by XXXX XXXX XXXX. 

Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX The credit report indicates a 30-day late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. I previously disputed this with Experian on XXXX, but they upheld the late payment reporting as accurate. However, I disagree with their findings.

Under the CARES Act, passed on XX/XX/XXXX, and extended through XX/XX/XXXX, creditors were required to report accounts as current if payment accommodations were made due to the COVID-19 pandemic. During this period, I faced financial challenges caused by the pandemic and made efforts to communicate and seek accommodations. Therefore, the reported late payments are inconsistent with the protections provided by the CARES Act.

This inaccurate reporting has negatively impacted my credit score and financial standing. I request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ), and direct the credit bureau to remove or correct the late payment information.

I am also attaching supporting documentation to substantiate my claim, including the payment history for the account and information on the CARES Act 's expiration date.

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 2024-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
XXXX years ago I entered an agreement to repay my escrow amount. It seemed odd to have an overage of so much but I agreed. The XXXX years is up and XXXX cant get any information on decreasing my payment amount. Each agent talks me through how to look at my account and then the phone mysteriously hangs up in the middle of our conversation. When I call back, the phone just keeps hanging up. This has been going on for months. 

This year, Fay Servicing has stated that I owe over XXXX  XXXX in escrow and I want a spelled out analysis of how it became so high and what do I have to do to bring it down in order to pay my monthly mortgage without losing my home. My insurance and property taxes are incorporated into my mortgage. There is no contact information on their website and when I call I get hung up on each time i try to talk to someone. Instead of talking with a regular customer service agent, I asked to put me through directly to a supervisor to avoid being hung up on. Twice I was told that someone would call me and its been over XXXX weeks and no one has called me yet. I do not feel they are doing doing business practices and I would like for someone to look into their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL
State: SC

Complaint narrative:
I received a parking ticket from Parking and XXXX XXXX at the end of XXXX for {$50.00} due to " overstaying in a lot ''. The ticket was sent by using camera based ticketing systems which is a violation to South Carolina law. I sent a formally written dispute letter by certified mail on XX/XX/XXXX asking for more information and further proof for fine. Without any response from the company, I then later received a letter from Oxygen XL debt collectors saying that I owed them money. I called to explain the situation and ask them to stop because according to the disputed debts clause of the Fair Debt Collection Practices Act, I have a XXXX day window to dispute the claim, and without he company sending a written response back to the dispute, they are not allowed to pursue debt collection. The Supervisor at Oxygen XL admitted over the phone that they received my dispute and ignored it because they had already sent the fine over for debt collection prior to receiving my dispute. This occurred before my XXXX day window had even closed. The supervisor continuously ignored me and talked over me as I spoke, while trying to pressure immediate payment from me.

Company response to consumer: Closed with non-monetary relief