vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-08 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX. 

What would be a fair resolution to this issue? 

Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report. Please review the attached letter. Thank you for your assistance.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX. 

What would be a fair resolution to this issue? 

Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report. Please review the attached letter. Thank you for your assistance.

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 2024-05-08 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: GA

Complaint narrative:
I recently sent a letter to the credit bureau requesting to validate inaccurate accounts reporting to my credit on XX/XX/2024 since then I have not received anything. This is impacting me in my life from being able to move forward.

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 2024-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am currently XXXX and out of work, my wife and I are on a car loan and it is our only vehicle. We have had it since 2018 and then when XXXX hit we both lost jobs and struggled with all bills, we got behind on everything. We both got XXXX. My wife is our sole supporter now and I have been struggling with mental illness and currently being treated at an outpatient facility. I had been for over XXXX  days in a facility to cope and hope to get back to the workforce while dealing with my mental illness but still in an outpatient program where I can not work. which makes me even more depressed but I am going to try and am hoping to return to work soon but my wife is struggling. She has tried to work with Capital one and they are now not working with her, I am also on the loan and hoping they can work with us because without our vehicle my wife can not work. We need this to be able to keep our home and electric and water. 

Capital One told us there would be options if we made a payment, we did and then they said another one had to be made to look at hardship payments. My wife told them she could with her next check which makes us push our electric bill out and hopes they will work with us on payments too. We are hoping when we make another payment they will but at this point with both do not have access to our online accounts because of capital one and are unable to make payments without speaking to someone, it is hard as my wife works XXXX jobs right now and in school again to hope to get her masters and make more money to support us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit file. I have noticed an inaccuracy that I request to be investigated and corrected pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

**Account Information : ** **Creditor Name : ** XXXX XXXX **Account Number : ** XXXX **Reported Issue : ** Incorrect charge-off date. The account in question shows a charge-off date of XX/XX/XXXX, whereas the correct charge-off date should be XX/XX/XXXX. This discrepancy is misleading and negatively affects my credit score. According to the FCRA, you are required to report accurate and complete information ( 15 U.S.C. 1681e ( b ) ) and correct and update inaccurate information ( 15 U.S.C. 1681i ).

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
The company has false records, and claims I never tried to fix the car thats as sold to me, also the company claims that referring to me with a total different name is just a typo, their claims are not credible if they have typos not misspelling my name but referring to me with a whole different name, I have tried to settle this with the company and they refuse to help in any way. I called them and told them I wanted to remove that off my credit, and with the law and statues of limitations in California it should be off of my credit with in 7 years anyways and they said no that it is going to stay in my credit forever, all of their claims are false and misleading, I demand for them to take this off of my credit as soon as possible, it is illegal what they are doing and unethical, I already reported this to the state attorneys office as well and I will not stop till they take this off my credit, the way they act is as they always want to attack instead of helping their customers I have had a very bad stressful time because of them, I have been doing my research and I am not the first one to go through this with them, they practice this all the time. The records they have are false and their claims of them referring to me with a different name and gender as just a typo is unethical, and not professional, what ever is in their best interest they claim is just an error but everything else is not? How is that possible? They also updated a closed account balance as retaliation since I started my disputes. This is not professional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: MO

Complaint narrative:
My complaint was closed once more when I am not done communicating this issue- I submitted complaint XXXX regarding my student loans. In the response from Navient, it was stated a few things that I do not feel are accurate. I reached out in 2020 about my payment and not being able to make it- yes it was XX/XX/XXXX but what was offered to me in terms of repayment options? What was I told were my options? Please confirm the options I was given on XX/XX/XXXX because I don't believe I was offered any options. It was not officially announced that the COVID 19 was pandemic but I was without a job and had further issues finding a job at that time because it did turn into a full blown pandemic and even though it wasn't officially announced, I was offered no options other than repay or default. Please provide the options I was given in XX/XX/2020. Because I was told there were NO options other than pay loan or default. Secondly, it was stated there was an offer to postpone payments because of pandemic relief and that it was emailed to me several times. Please provide proof of this because I never once received these emails and if I had- I would have GLADLY accepted the offer because I had a hard time finding employment during COVID in 2020. Please confirm with documentation. Third, in my first initial complaint - XXXX, I was told that the forgiveness was a pilot program and that I would be offered it later on, in a few months once it launches fully. The last complaint stated that my loan- XXXX XXXX is not eligible for the forgiveness. Is the pilot program not about the school vs. the loan taken out? Why is my loan not eligible? My government loans were forgiven due to misleading and inaccurate information from the school so I do not understand how it went from I would be able to get the application in a few months to now my loan is not eligible. Can you please provide more context into why my loan is not eligible and confirm if the information in first response was inaccurate, where it stated I would get the application once the program is out of pilot?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received one mail and XXXX emails. One mail was prepared by XXXX branch addressed XXXX XXXX XXXX, XXXX, DE XXXX on XX/XX/2024 on case number XXXX. It asked me to call the office, XXXX, which was not listed on the official website of this branch in XXXX, DE ; more than that, some consumers reported as scam. 
Two emails from XXXX XXXX which connected to the Bank of America ( XXXX ) stated to contact with XXXX XXXX resolusion XXXX of regulatory complaints. He wrote his contact number XXXX, and upon checking the internet, search results said this number was wacked, whatever this wacked meant. It said the Bank of America was wacked. This XXXX XXXX or whomever stated the case number XXXX, which most likely I would not find out my Bank of America account. This office dared to mail me same link to open my account. 
I just want to state my feelings that most likely these people mentioned above might have not known the ways to upload proper case number to the official website of the Bank of America. Or, they might think I have never seen the official messages or letters from the Bank of America ; therefore, they create their own case numbers to cheat on me. 
Sincerely,

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 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi, I have XXXX personal accounts with Chase bank. Some fraudster opened XXXX business accounts under my name in Chase Branches ( XXXX accounts in XXXX and XXXX In XXXX without my consent and knowledge using fake identification. None of my government issued ids have been stolen, which includes SSN, Driver license and Passport. The fraudster linked business accounts with my personal accounts in XXXX Branch and they can view my personal account activities every day. However, I can't view fraudster 's business accounts, so I have no knowledge even those business accounts exist under my name. On XXXX. XXXX2024 the fraudster made XXXX unauthorized wire transfer from my chase account to an cryptocurrency company ( XXXX XXXX XXXX aka XXXX XXXX  via XXXX XXXX  XXXX which I had no personal or business relationship with. XXXX is in the amount of XXXX and another XXXX  is in the amount of XXXX. There is another {$100.00} ACH Credit Card Payment to a Bank which I have no relationship with, Chase was able to reversed that payment instantly. I called the Chase bank many times, Chase kept denying the wire transfer fraud until a XXXX consumer report interviewed us and escalated the case the executive branch. Chase recognized that those are unauthorized wire transfer and just say they are working on it. Chase won't reveal any information how the fraudster is able to open XXXX business accounts under my name using fake id. I am absolutely horrified. This would happen to everyone banking with Chase.This kind of practice is in totally violation of Dodd-Frank Wall Street Reform and Consumer Protection Act. My Personal Chase account number is XXXX. Please feel free to contact me for further information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: NC

Complaint narrative:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I beg you please remove this from the credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Dispute Over Time-Barred Debt Claim Hello I am writing to address the ongoing issue regarding a debt that was not only discharged in bankruptcy but is also beyond the statute of limitations for the state of Texas. Despite my repeated disputes, this account continues to reflect updated amounts incorrectly. 

According to Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations for most debts in Texas is four years. Additionally, Section 392.307 of the Texas Finance Code, introduced in 2019, clarifies that neither payments nor any other activity on the debt restarts the limitation period for debt buyers. This section further mandates that debt buyers must provide written notification when the statute of limitations has expired. 

Moreover, under Title 12, Section 1006.26 of the Code of Federal Regulations, new regulations issued by the Consumer Financial Protection Bureau prohibit debt collectors from filing lawsuits or threatening to sue on debt that is time-barred. According to section 1006.2 ( i ) of this regulation, this definition of " debt collectors '' includes original creditors operating under a different name. 

Please ensure that this matter is addressed appropriately and that no further incorrect claims or updates are made regarding this debt. 

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NV

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter stating that I have a cashiers check from Wells Fargo that has not been cashed. They sent me a form to fill out yet that form needed a notary service. I attempted to call the phone number on the letter, and the representative told me that the branch of Wells Fargo have notary services. So I attempted to go into three branches. Each branch told me they did not have a notary service there that they would have to call one in. Would take a few weeks to get an appointment. I then complied with, their timeline at the branch at XXXX XXXX and XXXX. I made the appointment, and on the day of the appointment they canceled my appointment and told me I would have to make another one which was weeks away. I realized there was a timeframe on this letter that I had to comply with, and subsequently went to a XXXX store where I had to pay to have this check re-issued from Wells Fargo. I then asked Wells Fargo to include this fee in the cashiers check that they are sending me because of their actions at their own branches. I have yet to get a response for that request.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. 

I give the company full authorization to investigate 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