vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan.

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised.

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions.

Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future.

I expect a prompt response to this request, as this matter needs to be resolved quickly. 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 non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan.

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised.

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions.

Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future.

I expect a prompt response to this request, as this matter needs to be resolved quickly. 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 2023-04-30 00:00:00
Product: Credit card or prepaid 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Spoke to customer service three or four times since XXXX charge. Last communication was a few weeks ago. Customer service informed me that in a week to 10 days a credit for the charge would be applied as per her manager. Since then no credit had been received. These bills were from XXXX XXXX XXXX as follows XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX In XXXX when TD credit card bill arrived they were contacted about the error. I then called XXXX & XXXX they weren't aware of any charges. When TB Bank was informed was told belling would be corrected. After numerous attemps credit not applied. TD Bank account ending in XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I never paid this account late and this account was paid in full. It is still showing as late on my credit card. I would like it removed from my credit reports as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Integra Credit for their negligence in updating my charged off account to XXXX to show that the account has been paid in full. Despite providing Integra Credit with proof of payment, they have not taken any action to update my account and this has caused significant harm to my financial standing. 

I have made a full payment to Integra Credit to satisfy the debt, and have provided them with documentation proving that the account has been paid in full. However, Integra Credit has not taken any action to update the status of the account with XXXX. As a result, my credit score has suffered, and I have been denied credit and loan applications. 

I have made several attempts to resolve this issue with Integra Credit, but they have not been responsive. I have contacted their customer service department multiple times, but they have not taken any action to resolve the issue. 

I demand that Integra Credit immediately update the status of my account with XXXX to show that the account has been paid in full. I also request that Integra Credit compensate me for any damages that I have suffered as a result of their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
I have had a complaint twice on Fifth Third Bank Corp who handled my refinance after Covid.They are again performing illegal bank practices and it needs to stop. I was informed by letter that as of XX/XX/XXXX that they placed a force flood insurance policy on my mortgage # XXXX when I have active coverage and they have verified it. Their rep from the insurance company, a subsidiary of Fifth Third told me she sees my active policy and did not know why this transaction was performed on my mortgage. She had no access to my mortgage so she called the flood insurance department and got no answers, so she started an investigation. I have had two years of private flood coverage and sent proof and it is showing active and they had no right to place this policy in the amount of {$1100.00} in escrow. My payment will be raised for a policy not needed. My current policy is on record at fifth third as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and agin in XX/XX/XXXX. That's how many times I sent it before they recorded it. This issue about drove me crazy in XXXX when my loan was in medigation and refinancing was finalized through Covid Refinanacing. I have a government loan and they had to contact Fifth Third to get it done. Your agency helped as well. It looks like Fifth Third has a SCAM going on mortgage holders with this FAKE INSURANCE and it needs to stop. Please help me and if I can file anything else somewhere else on their harrassing mortgage holders, let me know. I am so tired of being mistreated, Threatened and TALKED DOWN TO. I AM A XXXX CITIZEN and it is not right to be treated, threatened, and harrassed by incompetent bank employees. I worked all my life and retired from the state government and this is wrong. Please help me. PS I finally received a letter from Fifth Third informing me that they do not have the authority or obligation to open an escrow account on my mortgage. They said they could anytime and I protested about a year ago and finally they agreed that they had not right to do that. Now, they have done it again, ILLEGALLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, my is XXXX XXXX and Im contacting you guys about a complaint I would like to make against Capital One Credit Card. On XX/XX/2022 I paid {$5000.00} to XXXX XXXX XXXX XXXX XXXX to train me on how to drive commercial vehicles and was supposed to be complete when I received my CDL. Before I could complete the program the school had closed down. I made many attempts to contact the school via emails, voicemails, phone calls and even went to the yard where we trained but no one was there and I was unsuccessful because no one was responding to my messages. So after I saw I was being ripped off I contacted Capital One and informed them on what was going on. Capital One made attempts to reach the merchants and was also unsuccessful. Then Capital One gave me the run around by removing the charges from my account and then putting the charges back on my account stating that I should contact the merchant myself knowing that the merchant is longer in business. Capital One also lied to me by saying they contacted the merchant and when I asked how they told me They have their own way of contacting merchants, but in reality they didnt talk to anyone. What Capital One did was call a third party called XXXX XXXX which is an automated number responsible for giving receipts on transactions made but are not the merchants that charged me. Capital One sent me a letter saying that they will not remove the charge and for me to contact the merchant and my response to them was How can I contact the merchant if they went out of business and no one is available to talk to and Capital One couldn't answer that question. Will you please help me resolve this issue. My email is XXXX. Also the I showed Capital One that the school XXXX XXXX XXXX XXXX was being investigated by the Bureau for XXXX XXXX XXXX, but Capital One didn't care. Thank you and enjoy your day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
They keep calling at hours they shouldnt and are extremely rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XX/XX/23 I have been having problems with my XXXXXXXX XXXX a person has tried and successfully changed my account info including email phone numbers and address To the following XXXX XXXX XXXX XXXX NC XXXX Phone XXXX Today I received an email from XXXX XXXX  stating I have new address on my credit report This info is not mine I have had to close cards and order new one please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been disputing fraudulent accounts for the past year, and Transunion have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind Transunion of their obligations under 15 USC 1681. It appears that they are deliberately and willfully acting in negligent in resolving my issues. I have made attempt after attempt to have these errors removed from my credit file. I have previously provided copies for my FTC report as well as proof that I was a victim of the 2017 XXXX data breach. Th.e accounts that are fraudulent and need to be removed from my Transunion credit file are XXXX XXXX AND XXXX XXXX. These accounts are fraudulent I demand please remove IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I would like the information from the insurance company as to why there was a large portion of the balance that was not covered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
this is damaging my credit report. i have no idea of the and need it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights This is a defamation to my character

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX  Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXX XXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXXXXXX XXXX Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXXXXXX XXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX Lexington Law Credit Repair Services took out extra monthly fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: UT

Complaint narrative:
An ACH originated by Axos was debited from my XXXX XXXX on XX/XX/2023 for $ XXXX. As a veteran banker, i am well aware that would be the date that the funds are received by Axos. Per Axos Ts and Cs, interest is earned once funds are received. I asked for 5 days of credit since they did not start accruing interest until XX/XX/2023. I received a reply after my last complaint that only addressed future accruals. When I asked for my 5 days of interest again, Axos sent me the exact email they had sent in reply to my original complaint. No resolution to the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2023 I sent a letter to XXXX, XXXX, and Equifax to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong persons. The evidence will be attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I sent a letter to XXXX, Experian, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.

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