vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was incorrectly assessed a 30 day late payment to all XXXX of the credit bureaus for a payment I scheduled for a account that had {$30000.00} of liquid assets for a {$360.00} payment schedule to pay account in full on XX/XX/XXXX. I called to reconcile the issue when I only received one email alert and no calls to inform me the payment did not go through. I called and explained to Target over the phone the issue in which they agreed with me that I entered the account numbers correctly but Target 's system had a glitch since I checked " Checkings '' instead of " Savings '' and removed the late pay and any applicable fees as I made the payment over the phone immediately after explaining and paying on time has never been a issue. I figured this was the end of it until my credit monitoring programs alerted me that Target issued a 30 late pay to the credit bureaus. I tried disputing the case to Target directly with no results therefore I am creating this complaint hoping to have Target remove this erroneous 30 day report on all 3 credit bureaus. I have a 6 figure career and over {$100000.00} in liquid assets and all of my credit cards are paid in full each month. I've been a loyal customer with the Target card since XXXX. My family and I are about to purchase a house so this error from Target could not have come at a worse time. I want this issue to be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
An annual fee was added to my account. I never received the monthly paper bill, email, text or call that fees were applied to my account. Since I was unaware the fee was applied to my account, late fees were then added. I was not contacted from Capital One. I called asking when they attempted to contact me since a late fee was added and they could not provide any times an agent or automated line attempted to contact my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account names XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX Has Violated my rights. 

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 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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 non-monetary relief
Consumer complaint received 2024-04-15 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:
In accordance with the Fair Credit Reporting Act XXXX  Account names 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 

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 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Reviewed most recent credit report from XXXX XXXX and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding collection/charge off ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of collection/charge off connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX  and Capitol one as well as all three credit bureaus have my wrong birthdate, these two accounts don't belong to me never had either account. 

My birthday is XX/XX/1963, as per proof of birthday, with me Drivers license and my birth certificate. Please get that stuff off my credit report it is of bad faith and bad will to my credit score and has hindered my prosperity in life Also the closed accounts should be taken off my account as well, they have no balance but, those two closed accounts were actually transferred to XXXX XXXX XXXX and should not be in my account at all, also have done mo inquiries in the past ten years, please stop, this atrosity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Chase Bank regarding their handling of my deposit and savings accounts. Despite being a loyal customer for several years, I have recently encountered an issue that has left me deeply dissatisfied with their service. 

On XX/XX/XXXX, I was informed by the bank representative that my deposit could not be processed due to reasons that were not clearly explained to me. Despite my repeated inquiries, I was provided with vague responses and no concrete explanation for the refusal to accept my deposit. 

Furthermore, I could provide proof for all my transactions. But, the bank has made its decision without providing me the oppotunity to defend myself. This has caused me significant inconvenience and frustration, as I rely on my savings account for managing my finances and planning for the future. 

I believe that Chase Bank 's handling of my deposit and savings accounts is unacceptable and violates the principles of fair and transparent banking practices. As a consumer, I expect to receive clear and timely communication regarding any issues with my accounts, as well as prompt resolution of any problems that may arise. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the issues raised in this complaint. Additionally, I urge Chase Bank to review their policies and procedures related to deposit and savings accounts to ensure that they are in compliance with regulatory requirements and prioritize customer satisfaction. 

Thank you for your attention to this matter. I look forward to a swift resolution and a satisfactory outcome. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I've previously filed a complaint with the CFPB about freedom mortgage. My complaint ID was XXXX. The prior issue was that the company never set up my online account, and I was unable to access my online account with the information that I had. The company responded to the CFPB complaint and made it sound as if I had failed to follow all of their instructions. That was incorrect. However, I was able to resolve the issue by talking over the phone with a customer service representative : they provided me with the information I needed to access my account information online, which included a social security number that was not associated with any of the mortagees listed on the mortgage or on the title to the property. Now, the problem is that my account was and still is registered under someone else 's social security number. The customer service representative previously gave me this other social security number over the phone so that I could create my account and create a new password. They did not provide me with any way to correct the error and ensure that the account was linked to the correct ( my ) social security number. Now, I have misplaced the social security number linked to my account, and I appear to have forgotten my password. I have no way to access my account, and I can not even call into their customer service line because when I call in, the system recognizes my phone number as linked to my account and asks me to enter the last XXXX digits of a social security number that isn't mine. I am unable to access my account or retrieve my account information to reset my password with my own social security number. Again, I think consumers need to be able to have some agency to switch the servicer of their loans if they are not provided adequate customer service.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX Innovis continue to report incorrect information on my consumer file. They are several name variations and addresses that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis XXXX XXXX continue to report incorrect information on my consumer file. They are several name variations and addresses that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I request that you conduct a investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.

Company response to consumer: Closed with explanation