vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was using the XXXX XXXX website to try and apply for personal business loans. I provided my email address and contact number. I clicked a link to apply for the Discover card personal loan. I received a message from XXXX XXXX who stated he was calling from Discover personal loans and that he was a loan agent. The message stated my loan had been successfully qualified. I called back XXXX and I provided my bank account number and routing number. The agent asked me for my user id and password to my bank account. I hung up and called the XXXX number for discovery. They stated they did not have an application for me. Before disconnecting he provided me with what was supposed to be his supervisor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There's XXXX late payment dates on an account that was closed to my city double cash card XXXX that r wrong and citi will not provide me with the dates on the XXXX late payments and when the account was closed because they know they're wrong so they're not going to provide that information to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the mentioned accounts exhibit inaccuracies in their reporting.

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 2024-03-26 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: FL

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-03-26 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: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX  business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing a second complaint on this issue ; I had previously filed a complaint, # XXXX. I did not receive a response from the Company on this issue, and checking with the CFPB was the only chance I had to see that they responded. They did not address the actual specific concerns, and used boilerplate responses as if I were just complaining about my credit limit and the inappropriate finance fees, and were so insulting to even include in their response that I should " pay my bills on time '' to not receive finance fees.


Hopefully someone at Amex will actually READ this letter rather than assuming all complaints are bad lazy people that don't pay their bills. Regarding the Credit Limit issue, their " periodic check '' happened during a time while I was
experiencing fraud on another ( XXXX ) credit card. XXXX has since removed the negative reporting that Amex specifically cited as the excuse for the reduced credit limits. Now the negative reporting has been removed, it is reasonable to ask Amex to check the accounts again and reinstate the limits.

Regarding the finance charge, as I reported, I -did- pay my bill on time, but Amex recorded the transaction as taking place XXXX XXXX late. Attempting to charge finance fees and a late fee for a payment being purportedly XXXX XXXX late is usury and a grotesque interpretation of the XXXX. 

I hope someone at Amex will actually READ this complaint as to the specifics, rather than assume I am just someone that is " Boo hoo '' upset about typical metrics. Their actions are disappointing and usury, and I will continue to escalate this issue with the CFPB and other regulatory agencies until an appropriate outcome is received ; it would be appropriate for Amex to address appropriately instead of telling me to " pay my bill on time '' as if I hadn't made perfect payments for entirety of being a card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I opened an Ikea Projekt card through Comenity in order to take advantage of an interest-free promo through Ikea. On XX/XX/2024, I placed an order through Ikea 's website totaling {$5200.00} on Ikea card number ending in. I received an order confirmation with a notice saying that the order was in review and a confirmation would be sent within XXXX hrs. Within minutes, Ikea sent me a notice of order cancellation stating, specifically, that the bank denied the charges. I called Comenity customer service, and they stated that was incorrect. They said the transaction was approved and the charge processed, but that Ikea must have cancelled the transaction from their side because a refund had been issued. I called Ikea back. They stated that the bank was incorrect. They had not cancelled the transaction but rather the bank declined the transaction and it was automatically cancelled. When I said that this was counter to the bank 's assertion, and could I please speak to someone higher up, I was told that was the only info anyone at Ikea could provide me, sorry. I called Comenity back, and they reaffirmed that there wasno problem with the card, that my credit limit was more than enough, {$7700.00} I believe, and that the transaction had been approved and processed, but subsequently refunded by Ikea for reasons they could not know. They suggested I wait for the refund to process, and try to place the order again, stating that it may be a fluke problem with Ikea 's POS. I took this advice and reordered today, order number XXXX in the amount of {$3400.00} ( because my husband had to order some items we needed immediately in the meantime on his own cc ) on the same Projekt card. Again the transaction was cancelled. Again, no one knows why or seems at all interested in finding out. So, a store credit account I can not use is now on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against JP Morgan Chase Bank for its blatant disregard of The Electronic Funds Transfer Act ( EFTA ) and my consumer rights. Under EFTA Regulation E ( 12 CFR 205.6 ), I have diligently notified the financial institution within the mandated XXXX calendar days following the unauthorized transfer event, which does not involve the loss or theft of an access device.

Despite my repeated verbal notices to the financial institution regarding this unauthorized transfer, Chase has failed to acknowledge or address my concerns, thereby violating my rights as a consumer. According to Section 205.6 ( b ) ( 5 ) ( i ) of the EFTA, a consumer effectively limits their liability by providing pertinent information to the financial institution, regardless of whether a specific employee receives the information or not.

Furthermore, it is evident that this unauthorized electronic transfer qualifies as an " error '' under Regulation E 's liability and error resolution provisions, as stipulated in Section 205.12 ( a ) ( 1 ) ( iii ). As per the Truth In Lending Act, Regulation Es error resolution procedures must be followed by the financial institution in response to any oral or written notice of error from the consumer, as outlined in Section 205.11.

Despite these legal obligations, JP Morgan Chase Bank has failed to comply with the necessary error resolution procedures and has neglected to address my concerns regarding the unauthorized transfer.

I am requesting immediate action to rectify this matter, including but not limited to : 1. A thorough investigation into the unauthorized transfer.

2. Reversal of the unauthorized transaction and restoration of my account.

3. Confirmation of compliance with Regulation E 's error resolution procedures.

4. Assurance of measures to prevent such incidents in the future.

Failure to address this matter promptly will compel me to seek further action through regulatory authorities and legal channels. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that JP Morgan Chase Bank fulfills its obligations under the law and upholds consumer rights.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NC

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
This is a general complaint about disclosure requirements for creditors such as XXXX Chase. They do not furnish enough information on the invoice to identify if charges are indeed accurate or not without requiring a great deal of follow-up research. There should be an easily understandable description of a purchase so that I can verify that I or some authorized user of my account indeed made a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have an ongoing issue with PNC Bank not applying my principle only payments to the principle. Even after a complaint here, which they have not answered, and a complaint to HUD, they continue to misapply my principle only payments and use these payment to pay my mortgage in advance. I bring their errors on my account, to their attention each and every month and they continue to process corrections on the date they make the corrections and not on the date the payments where originally made, which causes the misapplication of accumulating interest. I know full well and PNC Bank knows that they are doing this to me and other consumers, which costs the consumers money and PNC puts that interest in their pockets. This practice warrants a class action law suit which would force PNC to correct their processes and pay back all of the consumers who are being taken advantage of, without their knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
Several inquiries on my Equifax credit report authorization without my consent. I believe them to be for business related which are not mine. The following inquiries were made : XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
After previous disputes I disputed the accuracy and validity of this reporting. I do not consent to report this account as it does not accurately depict the account history and details. This is fraud and I dont consent. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} You are reporting that the account is closed. Yet the closed date is missing from the report. Why is this incomplete? 
You are reporting a balance of {$4300.00} in the summary, but there is not a balance reporting in the balance history. Why is that? 
Creditor Classification reporting as Unknown? Why is it unknown? 
Date of last activity missing. Why is it missing? This date determines when an account will be removed from consumer file Remove this immediately This does not meet The FAIR CREDIT Reporting Act standards. 
Proof attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions inc 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 non-monetary relief
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any incorrect entries from my credit report. Can you please confirm the documents? Some of the listed accounts are inaccurately 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 2024-03-27 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This grumbling to APPLE CARD-GS BANK USA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: DE

Complaint narrative:
I am a XXXX  citizen and have been a customer of Nationwide XXXX for 23 years. They cover my homeowners and my auto insurance. I reached out to Nationwide XXXX  on XXXX XXXX to question why my auto monthly insurance deduction increased {$40.00}. They stated it was because of an event on XX/XX/XXXX in NJ for impeding traffic on the shoulder of the road and nothing Nationwide could do!!! 

On XX/XX/XXXX The policeman gave me a warning with a fine and stated theres no points, no insurance increase, no problem and I was on my way. Within the month I paid the {$50.00} fine. I was not aware nor was I told I needed to appeal the fine and ticket to avoid an auto insurance increase of {$40.00} ( NO POINTS ) FOR THE NEXT 5 YEARS. 

In addition, I am a XXXX  citizen with a perfect driving record since XXXX, defensive driving courses and XXXX XXXX ( regulates driving habits )

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