vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: MI

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-27 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Walmart charge card keeps posting charges then uses these same charges as a pending hold as well. So my card shows XXXX charges. XXXX that has completed & XXXX that is pending in the same amount. They refuse to release the hold on the day the charge was completed & hold the amount as a pending hold for XXXX business days. They are also saying I have no credit limit left when the balance shows there is credit available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, & XXXX OF 2023

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

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 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: OR

Complaint narrative:
Our loan sold from XXXX XXXX XXXX  to XXXX XXXX XXXX. XXXX XXXX XXXX mailed us a statement with a customer service number as well as website. Their website XXXX has been down for a number of days and when calling their XXXX number you get the message that it's down due to technical difficulties. They are in a sense trying to force you into a late payment which I have never been late on. How are you supposed to ensure payment to a company that seems to not exist?

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
there is information on my XXXX and Experian credit report that has been already removed from my XXXX report. all consumer reporting agencies conduct the same investigation process so these items need to be removed. the fair credit reporting act states that I have a right XXXX privacy and the only way a consumer report can be furnished is with the consumers written instruction. I never gave any consumer agency any written instructions to furnish my information. also transaction and experience between a consumer and a person making the report are not supposed to be on my report as well. all of this is federal law the consumer report agency have violated several federally portected rights and I need XXXX XXXX  removed from all consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys

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 2023-11-27 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: NC

Complaint narrative:
Nelnet is servicing a student loan registered to myself. The website is constantly down, the wait times for calls are over an hour, so I've been unable to access my account, know what I'm being charged for, and the current status of the loan. 

I've also attempted to sign up for automatic payments or make payments online, which have failed almost every single time. 

I would like the company to validate the debt as well by providing the original promissory note. This is not a credit dispute as of yet, just want to be sure the debt is valid, related to any debt I actually incurred, and to provide those documents in a timely manner for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: AR

Complaint narrative:
I am currently making monthly payments on this account and the amount on the collection letter is incorrect. I will continue to make my final payment to the XXXX  next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX charge off has exceeded the time limit of reporting and should be removed I havent made any payments to this company in over XXXX years the information posted is false and charge off removed disputes have been filed but false info still reporting

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX charge off has exceeded the time limit of reporting and should be removed I havent made any payments to this company in over XXXX years the information posted is false and charge off removed disputes have been filed but false info still reporting

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 2023-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent a certified letter ( requested by my agent with the debt company ) with the relevant information about my account with The XXXX at XXXX XXXX not actually having a balance ( this included the image of the cashier 's check that was cashed by the apartment complex, a note signed by the manager stating the account actually had a XXXX balance, and my copy of the cashier 's check. ) It was delivered on XX/XX/2023 XXXX am to their XXXX XXXX . I also called on the XXXX of XXXX to ask about my status and was told it was " in processing '' by a manager at the company and was told to check back the next day. I have given the company almost XXXX weeks since that specific phone call and have heard nothing. 
I also have confirmation that the manager of the apartment complex in question ( The XXXX at XXXX XXXX. XXXX XXXX ) both called and emailed with XXXX XXXX on XX/XX/XXXX regarding my account being closed immediately, as I was placed with collections by a clerical mistake on the apartment complex 's part. And they sent a follow up email on XX/XX/XXXX with my account number to make sure the debt company had the relevant information to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX  account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.

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 2023-11-27 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: NJ

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023 I deposited {$10000.00} from my XXXX XXXX XXXX XXXX bank account, into a capital one HY savings account. Two weeks ago, roughly around XX/XX/XXXX. I went to withdraw some money and found out there was a hold placed on the account. Called the first number, Capital One said that theres an investigation into the original deposit on the account because it came from a business account. I informed them that Im the owner of this business account and can verify that, they said that theres nothing they can do. They have no dates on when my money would be released. Went into a capital one bank in XXXXXXXX XXXX  on XX/XX/2023. They said that there was nothing they could do. They dont have any more information. They however did give me a case number ( case XXXX XXXX ) and another phone number to call. When I called that number Capital One said that theres been a flag on my account since the original deposit they have no knew answers on when my money will be released. I asked again for them to return the money to the original account. They said no they cant do that. They have no answer when my money is gon na be released or when the investigation will be over. Theyve held my money for 4 months without telling me and I would like my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
XXXX received a call from AmericanExpress, it was during a meeting but next day I missed another call. on XXXX I called AmericanExpress, after 20 minutes I learned that a previous issue where I had accidentally paid closed corporate Amex account rather than personal account which I thought had resolved had created a new problem - and now I had a debit on my closed corporate account. I was told to reach out to my expense department. They confirmed they had not received any funds from the Amex " overpayment. '' I continued to receive daily calls from Amex asking when I was going to pay my balance ( which was now overdue as I had not received a notification of the issue until the balance was past due ). Each time I speak with them I have to retell the whole story as apparently they never check the notes ( or no notes are taken, as they tell me they are recording the details ). On XXXX, I reached a " XXXX '' and he said that he had figured out the issue and that it would take about a week for the transaction to take place and the issue to be resolved. When I received the daily collections call they had not knowledge that the issue was a Amex error ( when I had made the erroneous payment in XXXX, they transferred funds to my personal account twice ). I continue to call, and am promised that they will fix the issue, and that the late payment fee will be removed. My last call to Amex was on XXXX, where I was told it would just be another day. The collections caller tells me then that I should just pay the balance, but then there will be a credit on my account, and that will be yet another issue. Today I received yet another call from them, so the issue has not yet been fixed. Tomorrow is the day in which I will be charged yet another late fee ( last week I inquired about this and was told by the customer service agent that it was ok and that all late charges will be rescinded ). I want this problem gone. It has been almost a month since I learned about it, and every time I am on the phone with someone we have to repeat the whole story and it is a 20-30 minute phone call. While I admit that what started the whole issue was an error on my part, in XXXX, this last issue was an Amex error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP
State: NY

Complaint narrative:
Neither the website, nor verbal dialogue with a US Bank XXXX number representative, clearly stated that the CD would not " roll over '' within the same CD " category '' as originally purchased. The website, and published material, both leads one to believe that the matured CD would renew at the nearest rate of return that is then being offered at the length of time as the original purchased CD ; as stated on it's website : " If you choose to take no action during the XXXX grace period, your CD will auto-renew its current balance and term with an APY ( Annual Percentage Yield ) determined on the maturity date. '' Instead, US Bank deceptively rolls funds into it's lowest rate of return CD in an entirely different category as the one originally purchased, and whose category is buried in the website. I purchased a XXXX  month, XXXX  XXXX CD with a return rate of 4.5 % on XX/XX/XXXX. It matured XX/XX/XXXX, and our funds were then " rolled over '' into a XXXX  month CD, but at a rate of only 0.5 %, and in a CD that is not in the same category as the one we purchased. I called their XXXX number, XXXX XXXX, on XX/XX/XXXX, and spoke to a representative who took down my information and stated that a senior management person would open a complaint file and take further information from me. On XX/XX/XXXX, I called my branch representative, XXXX XXXX, at ( XXXX ) XXXX, and was told I needed to call the XXXX number as she could not assist in my complaint. I again called the XXXX number on XX/XX/XXXX, and repeated my request to file a complaint and launch and investigation. To date no one has gotten back 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 explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX charge off has exceeded the time limit of reporting and should be removed I havent made any payments to this company in over XXXX years the information posted is false and charge off removed disputes have been filed but false info still reporting

Company response to consumer: Closed with non-monetary relief