vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my rights have been violated 1666b timing of 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 2024-12-28 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: TX

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.

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 2024-12-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This is in regard to XXXX, XXXX and Equifax. 

This has to do with XXXX creditor only : XXXX XXXX I got into a car accident and the car was a total loss. We luckily had Gap Insurance. Due to the delay of Gap paying off the car loan, I had a missed payment on each credit agency 's report. It made my credit score dip about XXXX points for each credit report. I worked for quite some time with XXXX XXXX to get this corrected. XXXX XXXX finally paid it off and XXXX XXXX removed it from my credit reports. However, my score is not reflecting that correctly on each of my credit reports. I should have had an increase in my score and the agencies say to wait but the account was closed back in XXXX and my credit score should have already reflected it. I have worked hard to increase my credit score and the dip in my score was not my error but by XXXX XXXX. XXXX XXXX corrected it and would like my score to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to assist me in resolving some credit card debt. This law firm has successfully negotiated and completed payments on settlements with XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, and XXXXXXXX XXXX. 

Initially, Best Buy refused to negotiate with XXXX XXXX and I had to call into their office to get more information regarding their refusal to negotiate. My understanding through communications with XXXX XXXX is those issues were resolved and Best Buy now has an offer to pay off my credit card, and is refusing to take any action on this offer. Having this credit card debt is impacting my credit card score and Best Buy 's refusal to take action on the offer is furthering that damage to my credit score. Negotiations began in roughly XX/XX/year> as I was trying to resolve the issues with the negotiation beginning in early XX/XX/year>. As soon as a settlement is made, XXXX XXXX is ready to pay off the entire account with XXXX large payment. This truly should be an easy negotiation and Best Buy continues to refuse to respond which continues to damage my credit score and I don't think it's legal for them to refuse payments while my credit score continues to be damaged.

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 2024-12-28 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: GA

Complaint narrative:
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 Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint and Demand for Compensation for Inaccurate Reporting Dear Equifax Compliance Department , I am writing to formally address significant inaccuracies in my credit report related to two Department of Education student loans. Despite previous attempts to rectify these issues, Equifax continues to report erroneous information that adversely affects my credit rating and violates federal and state laws.

**Details of Misreporting : ** 1. **Inaccurate Account Status** : Equifax reports my student loans as " 180 days or more past due, '' despite both accounts being closed, verified as having a XXXX balance, and involved in litigation.

2. **Violation of Reporting Period** : These accounts have been reported beyond the legal seven-year limit established by the Fair Credit Reporting Act ( FCRA ), infringing on my rights as a consumer.

**Legal Grounds for Compensation : ** - **FCRA ( 15 U.S.C. 1681n ) ** : This statute stipulates that consumers are entitled to damages when a credit reporting agency willfully fails to comply with FCRA requirements, allowing for statutory damages of up to {$1000.00} per violation.

- **FCRA Reporting Requirements** : As outlined in 15 U.S.C. 1681c, derogatory information must be removed from credit reports after seven years. Your failure to comply with this timeline constitutes a violation of my rights.

In light of the above infractions, I demand compensation totaling ** XXXX XXXX : - ** {$1000.00} for each FCRA violation** ( totaling {$2000.00} ).

- ** {$13000.00} for the ongoing emotional and financial damages** caused by these inaccuracies.

**Resolution Sought : ** I request immediate correction of my credit report to reflect accurate information and compensation for damages incurred. Please provide acknowledgment of this complaint and a corrective action plan within **30 days**.

Failure to address this matter will compel me to seek further legal remedies. Thank you for your immediate attention to this.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo merchant services credit card processer our business name XXXX XXXX XXXX BUSINESS CLOSED IN XXXX XXXX XXXX  REFER MERCHANT XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX  THEY HAVE CHARGED MY BANK ACCOUNT ( EVENTHOUGH MY BUSINESS IS CLOSED AND I HAVE INFORMED THEM. ) {$35.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$3.00} {$16.00} XXXX 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 monetary relief
Consumer complaint received 2024-12-28 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am being charged an unfair and excessive cancellation fee by Chase Travel, which is over ten times higher than the fee advertised by XXXX XXXX. I specifically chose to fly with XXXX XXXX because they advertise a maximum {$50.00} cancellation fee for flights ( {$30.00} if the flight originated from the XXXX ). However, I booked my XXXX XXXX XXXX through Chase Travel. 

When I attempted to change or cancel my flight, Chase Travel informed me that, per their fine print, the cancellation fee would be {$370.00}. My flight originated from the XXXX, and the advertised fee should have been {$30.00}, as per XXXX XXXX policy. Chase Travels charge is over 10 times the fee I expected based on XXXX XXXX advertising. XXXX XXXX refund and cancellation policy can be found here : [ XXXX XXXX Refund Policy ] ( XXXX XXXX XXXX ), and their conditions of carriage, which also reference cancellation fees, can be found here : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] ( XXXX XXXX XXXX ). 

As a consumer, I did not anticipate this significant discrepancy. Chase Travel 's fee structure was not clearly disclosed at the time of booking, and their practices are misleading and financially burdensome. Additionally, I have spent over 10 hours attempting to resolve this issue with Chase Travel, which has been incredibly frustrating and time-consuming. 

I believe Chase Travel is engaging in unfair practices by not aligning with the airlines publicly advertised fees or providing sufficient transparency during the booking process. 

I request a resolution to this issue, including a refund of the excessive fee and greater clarity in Chase Travel 's fee policies to prevent this from happening to other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Regarding Withheld Credit Balance of {$180.00} Dear CFPB Representative, I am writing to file a formal complaint against Elan Financial Services regarding their failure to refund a credit balance of {$180.00} on my closed account, ending in XXXX My account was closed as I was paying bills for fertility treatments that the company apparently deemed as " high risk. '' While I disagree with the classification, I have decided to take my business elsewhere. However, the issue at hand is that they are withholding the credit balance on my account despite my repeated efforts to resolve this matter. 

In XXXX, 2024, I contacted their customer service at XXXX. After waiting nearly an hour, I was told to call another number, XXXX, which operates from XXXX XXXX XXXX XXXX XXXX Central Time. When I called the second number, I was told they could not assist me and advised me to call the first number again. This circular and unhelpful process has left me frustrated and without a resolution. 

I believe the company is acting negligently at best, and possibly intentionally withholding my funds. I demand that they immediately refund the credit balance of {$180.00}. If they fail to do so, I intend to file a small claims case in XXXX XXXX and will seek reimbursement for all associated court costs, filing fees, and service fees. 

I ask for your assistance in addressing this matter to ensure the company complies with their legal and ethical obligations. Please let me know if any additional documentation or information is needed to process this complaint. 

Thank you for your attention to 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
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have talked to a service rep about XXXX  and was supposed to be enrolled! So I had to try again. I am on a fixed income and cant afford these charges

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 2024-12-28 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: CO

Complaint narrative:
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  Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # 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 2024-12-28 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: CO

Complaint narrative:
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 Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain told me if I make pmts every two weeks then it will help interest accrued and the payments have not done anything. Im making payments every two weeks and the balance is increasing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
On XX/XX/year>, I received a letter from court that judgement was entered from XXXX for me to pay credit card debt in the amount of {$2200.00} because I failed to appear in court on XX/XX/XXXX XXXX did not follow legal procedures because I was not legally served or not notified that I was being sued by XXXX and the judgement amount is inaccurate and different from the amount owed on my credit report which violates the Fair Credit Reporting Act.

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 2024-12-28 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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