vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX 13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX error_outline

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
consumer reporting agencies were made aware of fraudulent accounts and information being furnished several times. The consumer reporting agencies have failed to follow procedures before reporting said accounts to my consumer report. The account included in ftc report is fraudulent therefore making my consumer report unfair and inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I disputed a fraudulent charge of {$55.00} from a merchant called XXXX XXXX XXXX. PNC allegedly conducted an investigation and stated the charge on my debit card was authorized. I would like PNC, the bank that I have deposited my money in for over 5 years, to explain the steps they took in this investigation. I want to know why they are ignoring my dispute and honoring a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
In 2019, I ( XXXX XXXX XXXX XXXX Into a consumer credit transaction on XXXX XXXX. XXXX  Tower Loan which became a serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with the option to opt out of all credit reporting 15 usc 6802, ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is By willfully doing this Capital One has violated many laws according to truth and lending & fdcpa. Also all consumer credit transactions are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX 2. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
A settlement agreement was reached with OneMain Financial on XX/XX/2021. The terms of the agreement advised that XXXX will report the settlement to the credit reporting agencies as " Settled in full for less than the full balance ''. As of XX/XX/XXXX, I have settled this balance via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Case No. XXXX Acct. No. XXXX. XXXX XXXX XXXX. XXXX and received the Certificate of Service from XXXX XXXX XXXX XXXX. 

OneMain Financial agreed to release lien on the vehicle upon the receipt of final settlement payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my primary point of contact and can be reached at XXXX. 

As well, XXXXXXXX XXXX XXXX  can be reached at XXXX to verify that this account is now paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been disputing inaccurate information with XXXX, XXXX and Transunion over the past few months. 
I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXXXXXX XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry, I request proof that you confirmed that the creditor had a permissible purpose. I am giving you 10 Days to investigate this matter and determine whether it is still accurate, valid, and in compliance. If you can not provide proof that the information is accurate, compliant, or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a newly updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete, and timely reported. If not, please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received notice of collections/ charge off on my credit file from American Express in XX/XX/. With a balance of {$5400.00} This negatively impacted my score dropping my credit by XXXX points. Im unaware of this account, not my debt.Due to inaccuracy, Id like this account to be entirety deleted and removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I notified the company to dispute debt they claim to be owed. They have not sent any proof of validation. I have requested proper validation and no response has been yet given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I contacted Navy Federal after I realized my account has been used without authorization and my debit card was missing. I was told by navy Federal to submit a fraud claim in which I did. Within 2 days my claim was denied. I provided the suspects name and even his identification documents. I know for a fact that no human investigated my claim as required by federal law. My account was wiped out for over {$18000.00} in two or three different countries. I cant be in two or 3 places at one time and this has never happened to me before with navy federal. My account was to be credited, yet, nothing happened. No information has been given to me nor documentation showing how a two day investigation was done including if they even investigated into the suspect. I dont feel secure with navy federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, 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: VA

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. 

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. 


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 reporting containing any of the following items of information Any other adverse item 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 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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, 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: VA

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. 

XXXXl 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. 


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 reporting containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX of last year, a {$9500.00} check for my XXXX checking account was stolen in the mail and cashed at Bank of America. I filed a Declaration of Unauthorized Endorsement with XXXX, who said they intend to get back to me ( and likely recoup my money ) in 90 days. However it is now XXXX and that hasn't happened. 

I have called both banks many times. XXXX says they are waiting on a response from Bank of America and Bank of America says they can not tell me the status of this claim. This is a very frustrating and very unfair experience.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXXXXXX XXXX  still reporting to XXXX and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to XXXX. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

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 2023-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: NC

Complaint narrative:
Hello- I'm a co-signer on my Son 's Student loan. In the recent past, i received an email from Discover Student loan department that my son was not paying up. I did remind my son to pay the outstanding which he did. The account has been normalized. 

I called in Discover on XX/XX/ to check the health status of the account and they did confirm that the account is in order. I logged into the student portal to gather more information about the loan such as an amortization statement as the he has about {$53000.00} in loan for a fixed term of 15 years. However, the Discover Student portal has no information whatsoever about the amortization statement relating the the forecast of the loan spread over 15 year period. There is no clear break up of interest versus principal. I spoke to two representatives today. The first rep put me on a long hold and disconnected the call. The second representative was more forthcoming and confirmed that there is no such statement such as amortization for student loan and he put me on hold. The second representative latter disconnected the call. 

I would request CFPB to hold the financial institutions to be responsible for not being transparent in the student loan arena. As such we have burgeoning student loans across the country. To top it financial institutions are not being transparent in their code. Enforcement of such rules and regulations will make student loan more transparent. 

Appreciate it. 

regards XXXX

Company response to consumer: Closed with non-monetary relief