vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: OH

Complaint narrative:
I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX XXXXXXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations.

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 2024-02-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Credit Bureau XXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards 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 explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.

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 2024-02-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days. 

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: TN

Complaint narrative:
I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name.

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days.

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.

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 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: ID

Complaint narrative:
I paid a projected escrow shortage to my mortgage company in XXXX of XXXX electronically. ( XXXX. ) When I received my XX/XX/XXXX statement it showed they had charged me an additional {$66.00} for the projected escrow shortage. 
I contacted their customer service both by e-mail and phone. 
I explained that the escrow payment had been made in XXXX so they shouldn't charge me monthly for a fee I've already paid. I also noted that I indicated that I paid an extra {$600.00} per month to be applied to the principle on every payment coupon for the past year or so. They ( M & T ) deducted the extra escrow payment that wasn't needed out of this {$600.00}. I explained to them that I didn't think they could or should arbitrarily move money from one payment type to another without my permission. This is what has me concerned. I was able to get the payment corrected but, I shouldn't have to double check what the Mortgage company does every month with my payments. I did ask for a copy of the XXXX payment coupon as it shows how I intended the money to be applied written on it. I received a copy of my check with the comments that I hadn't indicated on my check how to apply the funds. This makes me more concerned as every month a payment coupon is mailed to me to make such notations on. I have referred my concerns to the Idaho State Department of Finance. They sent it to New York and they have sent me to you folks.

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 2024-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
As of XX/XX/XXXX my XXXX XXXX card was charged {$95.00} interest fee for past purchases. What I found interesting is that I began to go into debt with the credit card during covid. I had lost my job during covid XXXX and couldn't make payments. I called to see if there was a financial hardship program that they had that I could take part of. I was told no by one of their representatives. I have been a Navy Federal member since XXXX and up until this past couple of months I have seen that they do not care about their XXXX American members. I was even denied a car loan through them when I was working, and I was told that I didn't make enough and that my credit score was too low ( which I later found out wasn't the case ). I know that I have a previous complaint with them that they have yet to respond to, but I am also making this complaint to show how predatory their practices are when it comes to their XXXX American customers. When I started off with the credit card, I was told that after a year the APR would be 17.99 % and the current APR is at 19.99 %. I would like to settle this in a civil manner without being gaslit about what they aren't able to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have several Capital One credit cards and have had them for years. When i accumulate enough miles I convert them to awards with their airline award partners. I have converted rewards a number of times in the last few years, most recently in XXXX of 2024. Today I tried to convert miles again and when the website texts me a code to verify my identity, it says it cant be verified. I have had the same number for 30 years and they have sent me codes many times. I have tried for hours today without it working. I have been on customer service calls for hours with no help at all. So I need this fixed quickly in order to take advantage of a fare sale going on now. I am unable to use the miles in my account at all and no one at Capital One can or will help. I am so frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: FL

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.

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne Savor Card : 1 ) Account opened XXXX XX/XX/2023. 
Shortly after the card was used to make a few legitimate charges, it was arbitrarily and capriciously restricted, rendering it useless, without notice, explanation, or apology after customer was embarrassed by a declined charge attempted at a familiar vendor. It was not until the customer contacted this shyster company with a WRITTEN COMPLAINT ( XXXX XX/XX/2023 ), demanding explanation and apology, followed up by a second letter ( XXXX XX/XX/2023 ), demanding that they put their demand in WRITING, that this anonymous form-letter process time-lined below commenced : 2 ) XXXX XX/XX/2023. Customer Fraud Protection notice placed a temporary restriction on the credit card, rendering it useless. 
3 ) XXXX XX/XX/2023. Customer Care Team notice, card is rendered useless, with the threat of permanent card closure until some ambiguous and vague information is verified. 
4 ) XXXX XX/XX/2023. Customer Care Team notice of arbitrary and capricious account closure after not getting the ambiguous and vague information verified. 
Throughout the process, and the passage of these multiple months, this shyster company outright ignored and refused customer 's repeated multiple requests for the ambiguous and vague information demanded to be specified in WRITING. 
This shyster company penalized the customer simply for insisting on the customer 's preference for the reasons for these questionable actions to be put in WRITING in place of unrecorded telephone contacts. 
Customer desires to expose whatever it is that this shyster company is so desperate to conceal from the public in its dubious and impersonalized dealings with the customer, who did absolutely nothing wrong from start to finish : including paying off IN FULL both credit card transaction statements duly received and disposed of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Nelnet, Inc.
State: MD

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my consumer file with XXXX. The information in question pertains to late payments attributed to accounts listed on my consumer report. Pursuant to relevant federal statutes, including 15 U.S. Code 1666b, 5 U.S. Code 552a, 20 U.S. Code 1232g, and 15 U.S. Code 1681b, I assert that these late payments are in violation of my rights and federal regulations, and therefore, should be expunged from my consumer report without delay.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the necessary information required by law, is mailed or delivered to the consumer at least 21 days before the payment due date. Failure to comply with this requirement renders any late payment designation invalid. 

Moreover, the Privacy Act of 1974 ( 5 U.S. Code 552a ) stipulates strict conditions for the disclosure of records contained in a system of records, including the requirement for prior written consent from the individual to whom the record pertains. This extends to information related to a student 's application for or receipt of financial aid, as outlined in 20 U.S. Code 1232g.

Additionally, under 15 U.S. Code 1681b, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Without such authorization, any addition to the consumer report constitutes a violation of the Fair Credit Reporting Act. 

Therefore, I demand the immediate removal of late payments attributed to the following account : Dept of Education/NELN [ Account Number : XXXX ] Late payments in XXXX : XXXX, XXXX, XXXX, XXXX Late payments in XXXX : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from CCS for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief