vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: AL

Complaint narrative:
I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : 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 Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I PURCHASED A JACKET FOR {$100.00} FROM MACY 'S ( ORDER # XXXX ) ON XX/XX/year> AND RETURNED IT IN STORE ON XX/XX/year> BECAUSE IT WAS TOO SMALL AND I RE-ORDERED IT IN A BIGGER SIZE ONLINE. I AM INITIATING THIS COMPLAINT BECAUSE AS OF TODAY XX/XX/year>, I HAVE NOT RECEIVED MY REFUND OF {$100.00}. I CALLED MACY 'S ON XX/XX/year> AND WAS TOLD BY A REPRESENTATIVE THAT MY REFUND WAS PUT ON A GIFT CARD IN WHICH IT SHOULD NOT HAVE BEEN BECAUSE I MADE THE PURCHASE WITH MY DEBIT CARD ; THEREFORE, THE REFUND SHOULD HAVE BEEN RETURNED TO THE ORIGINAL FORM OF PAYMENT. THE REPRESENTATIVE FURTHER STATED THAT SHE WOULD TRANSFER THE REFUND FROM THE GIFT CARD TO MY DEBIT CARD. I WAITED A FEW DAYS AND WHEN THE REFUND HAD NOT BEEN CREDITED BACK TO MY DEBIT CARD BY XX/XX/year>, I CALLED MACY 'S AGAIN AND WAS TOLD BY A SUPERVISOR NAMED " XXXX '' THAT THE REFUND SHOULD POST TO MY ACCOUNT BY FRIDAY XX/XX/year> AND THAT HE WOULD CALL ME TO VERIFY THAT IT WAS. ON XX/XX/year>, I WAITED UNTIL XXXXXXXX XXXX FOR XXXX 'S CALL AND WHEN HE DIDN'T CALL ME, I CALLED MACY 'S AGAIN AND SPOKE WITH ANOTHER SUPERVISOR NAMED " XXXX '' WHO DID NOTHING TO HELP ME. HE TOLD ME TO WAIT UNTIL THE END OF THE DAY FOR THE REFUND TO BE POSTED TO MY DEBIT CARD, BUT HE COULD NOT STATE WHAT HE CONSIDERED TO BE THE END OF THE DAY. HE OFFERED NO RESOLUTIONS OTHER THAN FOR ME TO WAIT AND IF I DIDN'T GET THE REFUND, CALL MACY 'S BACK THE FOLLOWING DAY. I AM APALLED AT THE FACT THAT I RETURNED AN ITEM TO THEM 2 WEEKS AGO AND I STILL DON'T HAVE MY REFUND WHICH SHOULD HAVE BEEN POSTED TO MY ACCOUNT WITHIN 2-3 DAYS AS IT USUALLY IS.

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 2024-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hello. My son, XXXX XXXX passed away XX/XX/XXXX. Two years before I wrote to have my name removed as co-signer. I never heard anything and assumed it was done. When he passed, Navient claimed they removed his federal loan and left the private loan. I have asked to have this looked at for years and no one responds. I received a notice from XXXX in my son 's name on XX/XX/XXXX, which means the loans are still in his name. I have been paying on this loan since XXXX and every time I have asked for a breakdown of what they did, I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank is Chase. I paid for items from XXXX XXXX XXXX but the where stolen in shipment under XXXX XXXX XXXX XXXX  XX/XX/year> ). XXXX claimed to investigate the situation and even came to my door to further investigate how they never came to my door the first time. 
After making many phone calls, putting in many disputes, and trying to get a refund on the products I never I received, Chase has still not issued a refund, allegedly XXXX XXXX XXXX keeps sending a Refund Policy signed refund policy even though I NEVER RECEIVED A PRODUCT and XXXX has not sent me my Service Request Number. 
Every company has told me to go to the next company, and I will soon send a letter of notice to each of them. 
I dont exactly know how to complain against but the actions of all 3 companies has caused me to lose a lot of money for unreceived items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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 2024-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: PA

Complaint narrative:
Over the past 11 months MSF Servicing has misapplied at least on 3 occasions my bi-weekly payments. They have at least 3 times tried to state that I owed them more money and have recently in XXXX showed me being more than 45 days late when I have faithfully every 2 weeks made my payments to them. I have spent countless hours on the phone and sending emails as such and they never have the answer or ever call me back. The customer service team tells me they can't do anything & it has to go to management & that they will have someone call me which NEVER happens. All of bank statements are attached to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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 am filing a complaint regarding Midland Credit Managements failure to validate an alleged debt and their continued inaccurate reporting to the major credit reporting agencies ( XXXX, XXXX, and XXXX ). The debt, associated with account number XXXX in the amount of {$1600.00}, has been reported as a charge-off to all three bureaus, yet Midland Credit has failed to provide validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

On XX/XX/year>, I formally requested validation of this alleged debt, which includes : The name and address of the original creditor. 
A detailed account statement showing how the amount of {$1600.00} was calculated. 
A copy of any contract or agreement that obligates me to pay this debt. 
Despite this formal request, Midland Credit has neither provided the required validation nor ceased reporting the unvalidated debt to the credit reporting agencies. Their continued reporting of the debt violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting must be accurate and verified. 


This ongoing inaccurate reporting has caused me financial harm, including damage to my credit score and the inability to obtain necessary credit extensions, which is affecting my day-to-day financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Narrative of events : I have 2 Amex cards that I acknowledge that are past due. On both cards i cancelled autopay as not able to make the monthly payment. According to Amex, I only suspended the autopay which is not the case. On Both accounts, the " suspended '' autopay trigger causing me server finical hardship. The first account Amex originally told me they could reverse the paid via ach in 48hours. I also followed up with my bank to file a fraud claim for an authorized payment. I call back the next day ensure that it was going to be returned only to find out that their only option was to refund the money via a check. After talking to a supervisor, i was told that it was possible to send it via check and that they could overnight it. However, my credit union was able to reverse the ach making this a moot point, On the second account my experience was far worse. 
XXXX XXXX XXXXXXXX refused to refund the unauthorized paid on the second account. This rep mudder something in XXXX, i asked for a supervisor and refused a call back. I believe this to be profanity but am not 100 % sure. 
XXXX id XXXX also refused to process the refund stating that it was not possible. Suggested that i contact my bank to have them file an ach claim. 
XXXX : id unknown. Supervisor in late-stage collections : refused to help and insisited on having a collections conversation after being told that they i wasn't interested in having that conversation multiple times. This could be considered harassment This falls under XXXX for the following reasons : Unfair : Failing to unenroll a person from autopay and only suspending autopay, then refusing to refund the money as the cardholder was unaware. This causes direct finical harm to the cardholder. Refunding the money on 1 account and not the other account is also unfair treatment Deceptive : By not unenrolling customer in from autopay is deceptive and failing to notify the cardholder that a payment is going to process especially if the cardholder is unaware. 
Telling the cardholder that they can then they refused. 
Abusive acts and Practices : The collections rep who contiuned to push the conversation to in a collections attempt after being told that i was not interested in having that conversation is considered to be harassment which is an abusive act. 
Not cancelling autopay when it was selected to cancel the autopay and only suspending it for a few months is also abusive. 
Refusing to refund the money that was taken out,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter promptly and effectively.

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 2024-09-23 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that NAVY FCU has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. Missouris Identity Theft Law ( RSMo 570.223 ) criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the Missouri Merchandising Practices Act ( RSMo 407 ), which addresses unfair and deceptive business practices. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris Identity Theft Law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouris statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The Ulta XXXX thru bread financial was paid in full and account closed. For the past XXXX months they keep charging fees and random {$2.00} charge. There should be no further activity on this account. They are scamming for every nickel and dime. These charges seem predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have credit card statements, bank statements, and other evidence I need to include and dispute with XXXX XXXX, XXXX, and other credit card companies I need to add to my reports at XXXX, XXXX, and Equifax. I have more than half of payments not recorded by these banks and these credit reporting companies are protecting them by not allowing me to submit my proof! 
My comments are not being allowed to publish, the so called Legislature Alerts are bogus. 

I want the ability to DISPUTE THESE LIES ABOUT ME RUINING MY LIFE! 

I'm able to upload only a few of the many I found!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been sending payments of {$440.00} since XXXX of XXXX, my vehicle was repossessed about XXXX  years ago and I made steps to retrieve my vehicle and get back on track. It is now XXXX  years later and I'm still making payments and my balance hardly moves. The vehicle is a XXXX and was purchased at {$24000.00}, how is it possible to still have a balance of over {$5000.00} after 8 years of payments even after a repossession. Regional Acceptance Corp. is the finance company that is doing this and I could really use some help in resolving this matter,

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