vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA

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 2024-02-01 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: FL

Complaint narrative:
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
I called XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. 

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA

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 2024-02-01 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: IN

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report. Your swift attention to and resolution of this matter are greatly valued.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Over the course of a few months I called four different times giving information and inquiring on the status of my account. I do not have specific days that I made the phone calls but I did fax 3 different letters stating that there was a data breach that contained my information. Today is the the fourth time I called inquiring on the status of the credit card/account that I did not open at all was closed and they are still doing a investigation. I strongly feel that they will not help me close the account and it is beyond frustrating and is effecting my credit due to a balance that was placed on the credit card.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
Per the FCRA, I am now opting out of any and all authorization that I, as the consumer, may have given to XXXX written or verbal, PER 5 USC 6802.

15 USC 1681 Definitions ; rules of construction ( c ) The term consumer means an individual. ( d ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( 2 ) Exclusions. A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REPORTING TRANSACTION HISTORY IS ILLEGAL.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. THIS MEANS YOU NEED MY WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT. I DID NOT GIVE THIS AUTHORIZATION AND IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. ALSO SEE 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Accuracy & Fairness of credit reporting 15 USC 6801 Protection of nonpublic personal information 16 CFR 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION ; 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 USC 6802 says no disclosure unless given an opt out option. I was supposed to get an opt out option every 30 days and this didnt happen once.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase bank allowed unknown and unauthorized person/bank to withdraw my money from the checking account as the following transaction shows : 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  This fraud activity should not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm trying to open a bank account on truist bank, they told there is a fraud report on my account, I didn't open no account my last major bank was 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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Bank closed my accounts when I have done NOTHING wrong! I am a XXXX student, evident by my scholarship refunds I receive every semester into my CHASE CHECKING ACCOUNT! What reason would you all have to abruptly close my account and then not disclose why? I am in school with restricted income and you all closed my accounts with my money in it! Now what am I supposed to do? I have bills to pay! Nothing illegal was done with my account! I barely spend over {$100.00} on anything other than bills. I dont have random large amounts of cash depositing into my account, I dont send or receive large wire transfers, or anything of the sort! I spend my money on bills and fast food! I had XXXX checking accounts with you all and Ive been a customer for years! This is ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet took over servicing my federal parent plus loans in the middle of the XXXX. I started paying back XXXX of the loans after my son graduated from college in XXXX. We never stopped paying during the deferment period, until Nelnet took control of the loans from Great Lakes. At that time, Nelnet was not set up to allow us to continue to make payments ( which should not have been acceptable by the department of education ) You should have been able to make payment if you wanted. My complaint is, that when my daughter graduated and I needed to start repaying my loans, I noticed my number of payments on the loans I have been paying was reset to XXXX. My older loans have smaller balances and should not require XXXX more payments to pay them off. Resetting my number of payments is adding more interest to my loans. This should be viewed as illegal. I have requested a statement from Nelnet on XX/XX/XXXX showing all payments made on the loans since the start of my repayments. The only response was sorry for delay in our response. Never an actual response. I logged into my Nelnet account on XX/XX/XXXX and my balances were wiped out. The next day, it was back to the XXXX payment. I have tried to login to my account at Great Lakes from XXXX different devices but I am getting a message that the connection is not secure and it will not let me see my information. What a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: OR

Complaint narrative:
( XXXX ) Applied for eligible card with Capital-One XXXX ( XXXX ) Card arrived via mail - opened an online account with all my data and bank link for payments ( XXXX ) Tried to activate on the Capital One website account and told my account was " restricted '' and to call customer service. ( XXXX XXXX Capital One Customer service - called both the number printed on the card AND the number on the website I was informed to contact. ( XXXX ) CS stated that I needed to verify a code by phone text - claiming they sent but never arrived- so I asked them to send it by email and they refused, outright refused. ( XXXX ) All my valid contact information is listed on my credit report and 3 Credit Agencies- The Capital-One CS requested a copy of my ID to verify identity { which is understandable } which I had ready to send them but they REFUSED to provide customer a link to do so! + there is NO LINK on the Capital One website to send the requested data! ( XXXX ) Next day, I received an email from Capital One for a SURVEY about my CS experience [ yet they still failed to send me a link to upload my ID ] ( XXXX ) Went back online to close my account because of the ludicrous hassle it was to activate a card, and when you click the link to do so, it says YOU CAN NOT CLOSE THE ACCOUNT without calling a Customer service number? ( XXXX ) I tried to call the XXXX CS number provided and my phone company has apparently blocked it as a reported scam line? XXXX Capital One is the ONLY credit card company I've had that has ever demanded copies of my photo ID 's - more worrisome, their Fraud Dept personnel claimed could not even view my online account I had on their own website to verify the info I gave them - They create waste sending you a card and then refuse to let you use it - and fail to give you any way of forwarding their requested info/ID just to activate it. This CC company makes no sense. They pull a credit report impacting your credit score and then provide NO SERVICE- they have NO links on their website to send in data nor any real CS on chat, regardless, CS will refuse to forward any links to do so. It's baffling - Capital-One has some serious internal functionality problems. A complete waste of time - requesting to CLOSE MY ACCOUNT and be sent a verification letter - my card was never used, nor even activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
On my XXXX account there was a collection agency notice coming from credit management LP. When I called this company they told me it was from XXXX 's for {$630.00}. I called XXXX 's and I do not owe this money and there is no debt except for an ongoing credit card that I'm paying which is on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It may concern. 

While looking at my Credit Report. I have noticed the following accounts had Major Discrepancies This Letter serves as a formal complaint that you are reporting inaccurate and incomplete Information on my Credit Report. 

XXXX XXXX XXXX Shows a Balance of XXXX  was Closed/Charged off in XXXX  but is still showing up Falsely? This should reflect A XXXX  Balance. THIS IS A VIOLATION OF THE FCRA 15U.S.C.1681i ) It is my understanding that all Items should be correct on my report. Account Status should show PAID And Payment status should state CURRENT! Please Delete ASAP Last Active in 2017 These ( CHARGE OFFS ) ARE REPORTING Payment History each Month which should NOT since the accounts have been either closed/charged off?? This is falsely Manipulating the Statute of Limitations which is a Major FCRA Violation!!

Because of this apparent neglect in assuring everything in my credit report is accurate, consistent, and up to date Please DELETE these Items Immediately!!

It is my understanding that under the FCRA 15 U.S.C 1681 ( i ) ( a ) every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely Deleted. 

By the Provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2Compliance regulations, I demand that these above-mentioned items be Actually Investigated and DELETED from my Report. 

I have reached out to XXXX and XXXX, and they have corrected my report. Due to Not being able to Verify the above accounts. So, I know for a FACT that you can not accurately do so? 

YOU ARE THE ONLY AGENCY THAT HAS IGNORED ALL MY PREVIOUS REQUESTS I ask that someone please fix my report, so All are reporting the same. I request that All of the above Items be DELETED on my Report... 

Thank you for your help in correcting these Items. 



XXXX 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 non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I have been trying to sell the home for almost a year now. The first time I was told I can't short sale because of the liens on the home. Now I my agent has tried to work again with Midland Mortgage with selling the home..they are asking me to list the home for more than what I owe..we have found a buyer and submitted the paperwork in several times and Midland Mortgage always seems to come with a reason as to why the short sale can not go thru. Midland Mortgage has closed the case without mine or agent knowledge and they keep requesting the same info from the agent that she has provided to them several times. They are doing everything for this buyer to walk away it has been almost XXXX we have been going back and fourth with this and it is ridiculous.

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 2024-02-01 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: TN

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-02-01 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:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
i do not recognize this charge in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was notified that an AAA Visa account was opened in my name. I contacted the issuing company and reported that I did not authorize the account. They assured me that they would cancel the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-02-01 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: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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