vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint against Equifax regarding their failure to respond to a dispute letter that I mailed on XX/XX/2023. In my dispute, I requested an investigation into several inaccurate items on my credit report, including XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, and XXXX  XXXX XXXX - XXXX. Additionally, I disputed incorrect names and addresses listed on my credit report. 

Regrettably, I did not receive any response from Equifax regarding the investigation results. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It appears that Equifax has failed to fulfill this obligation, violating my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report. However, Equifax 's lack of response demonstrates their failure to conduct a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have not supplied proof under the doctrine but of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: WI

Complaint narrative:
Collections accounts that dont belong to me I have dispute and havent been removed, accounts that was fraudulent open that dont belong to me and companies refusing to remove such accounts and not providing sufficient information to me about this accounts or providing where these accounts was properly opened.

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 2024-02-06 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX have violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-02-06 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:
This bank is illegally charging me overdraft fees for charhes I had the funds for. On thursday, XXXX XXXX I overdrafted my account as I get paid the next day, I was paid and bills caused it to go below the overdraft threshold which would give me 1 business day to bring my balance back up, however Chase decided to charge me an overdraft fee over the weekend which weekend overdraft fees being accessed were never mentioned. And on Saturday, XX/XX/XXXX, they released my {$3300.00} hold on my account to charge said overdraft fee. Now today, februaru XXXX I am watching them begin to charge overdraft fees for every transaction of the XXXX I had in the account. I withdrew all of them with my final withdraw bwing the only one that placed me in an overdraft going from {$200.00} to - {$350.00} yet they are charging me MULTIPLE overdraft fees for purchases I had the funds for this is illegal. As you can see by the provided picture they charged me 1 overdraft fee with over {$2000.00} in the account and now today when I've truly overdraftes the account they decide to charge me for every single purchase I made despite having the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
The Affirm account # XXXX should not be reported as I never opened this account. I made an inquiry to open an Affirm account for a purchase I was planning on making but the transaction was cancelled and Affirm still attempted to open an account for me and charge me for a transaction that was canceled. This account needs to be removed from my credit report before I file a small claims lawsuit in the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I XXXX XXXX , am writing to address significant concerns and harm being caused related to potential violations of the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S. Code 552a ). XXXX XXXX XXXX and the credit reporting agencies Experian, XXXX and XXXX are not adhering to these standards. Citing 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure 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.

Citing 15 US Code 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) the term Consumer Report does not include any report containing information soley as to transactions.

Furthermore according to IRS law, a charge off is considered a certificate of indebtness and is considered income and therefore can not be reported.

If you decide to not update my account then I will be forced to enforce my rights under 12 CFR 1016.7 stating that " A consumer may exercise the right to opt out at any time. ''

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 2024-02-06 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: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MO

Complaint narrative:
Notified at XXXX of another computer generated lie from this disgusting scamming company, PLOYS AND LIES SHOULD BE THIS COMPANY 'S BUSINESS MODEL AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Complaint Regarding Failure to Receive Promotional Bonus from U.S. Bank Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank for their failure to provide me with the promised promotional bonus, despite my having met all the specified requirements outlined in their promotional campaign. This issue pertains to a business checking account promotion that promised a significant reward for maintaining a certain deposit over a specified period. 

To summarize, I received an invitation from U.S. Bank on XX/XX/year>, to open a business checking account with the promise of a {$750.00} bonus for depositing {$15000.00} and maintaining it for over 60 days. I promptly met these requirements, only to be later informed that I supposedly did not fulfill another condition not previously communicated to me. 

For your convenience, I have included several attachments with this email : At attached documents include my checking account approved proof screenshot and 6 month bank statement of this account. 

Despite numerous attempts to resolve this issue directly with U.S. Bank, including multiple communications with their customer service department and provision of all requested documentation, my efforts have been fruitless. It has now been several months since I satisfied all promotional criteria, yet the promised bonus remains uncredited. 

This refusal to honor a clear promotional commitment not only constitutes a breach of agreement but also represents a broader issue of trust and integrity within the banking sector. I am therefore reaching out to the CFPB to seek assistance in resolving this matter, ensuring that U.S. Bank is held accountable for their promotional practices. 

I believe the CFPB 's commitment to ensuring fair banking practices and protecting consumer rights positions it uniquely to address and rectify this situation. I am hopeful for your support in securing the promotional bonus rightfully owed to me by U.S. Bank. 

Thank you very much for your attention to this important matter. I am eager for a resolution and remain available should you need any further information or clarification. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IN

Complaint narrative:
I am a victim of Identity theft. I froze my credit through Experian in XXXX of 2023 and a week later the ID theft was able to gain access to my account and change my information to theirs. Baring me from my account that contains my personal information. 

I called Experian multiple times on multiple occasions and filed reports with them 3 times to get my account back and prove my identity. They never responded back to any of my attempts and continue to allow my information to be used by another individual against me after I've given proof of the theft. 

I'm repeatedly hung up on when I call in to press the matter. They are knowingly allowing people 's information to be stolen and are unable to manage this level of personal information efficiently or legally. 

They should not be allow near anyone 's SSN.

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 2024-02-06 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: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I dont recognize

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 2024-02-06 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: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, 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 2024-02-06 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: WI

Complaint narrative:
Collections accounts that dont belong to me I have dispute and havent been removed, accounts that was fraudulent open that dont belong to me and companies refusing to remove such accounts and not providing sufficient information to me about this accounts or providing where these accounts was properly opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Collections accounts that dont belong to me I have dispute and havent been removed, accounts that was fraudulent open that dont belong to me and companies refusing to remove such accounts and not providing sufficient information to me about this accounts or providing where these accounts was properly opened.

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 2024-02-06 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: MOHELA
State: NY

Complaint narrative:
I received a letter from Mohela on XX/XX/XXXX stating Congratulations! The Biden-Harris Administration has forgiven some or all of your federal student loan ( s ) with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 
I have called Mohela several times enquiring about the timeframe it would take for this to come off my credit report and I was told that it could take up to 3 months. I have checked my report every month sense receiving this letter with no change. Customer service with Mohela can not tell me any date and keeps giving me the runaround transferring me to different departments but no answers are given. It has been 6 months and I feel that is ample time to have this issue resolved and my credit report should be updated to reflect the loan has been forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation