vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 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: FL

Complaint narrative:
I have opened XXXX separate disputes for an account I paid in a settlement and both disputes came back as if I still owe the money. I have called the original reporting agency ( XXXX ) and they stated that they have not responded to any current disputes, they have also confirmed with me that I have a XXXX balance. I supplied Experian with the paid letter 2 times and still, they refuse to update my credit report. 

On another instance XXXX sent 2 out of cycle reporting to Experian advising them that I had paid off my balance and Experian did not acknowledge it, I had to submit 2 disputes with them to fight this. The first one came back as if I didn't pay and the second one only came back correct because I sent them a credit card statement and an email from discover confirming my XXXX balance.

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 2023-08-26 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: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 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: DISCOVER BANK
State: CA

Complaint narrative:
Former case number : XXXX - XXXX Dear Sir and Madam, Due to the complaint email I sent to you on XX/XX/XXXX regarding the handling of customer issues by the management of CISCOVER company, DISCOVER company received your letter and replied to me ( see attachment ). These three reply letters come from three different places, of course, the same CISCOVER company. Among them, the letter from XXXX XXXX, Ohio requesting a new card for me made me very cautious, as the company had already changed the card for me in XX/XX/XXXX, citing that the merchant would no longer automatically receive payments. But he added the so-called " total price fee of {$41.00} '' to the new account in XX/XX/XXXX. In this way, the merchant 's automatic payment will be added to my account again. If this time, DISCOVER 's company in XXXX XXXX, Ohio will give me a new card. Although I did not request a card change, based on my recent interaction with DISCOVER company, I have found that the policy management and quality of DISCOVER company 's management personnel are insufficient, and I am not willing to have a conversation with such companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Complaint Re : Experian : Credit Freeze difficulty Dear Sir or Madam : On the advice of our financial advisor I yesterday went on-line to request a credit freeze. When I went to the Experian site I found that I first had to establish an account with them. In doing so I was confronted with this message : " By clicking " Submit and Continue '' : I accept and agree to your Terms of Use Agreement, as well as acknowledge receipt of your Privacy Policy. '' 1. I downloaded their Terms of Use Agreement. It is 50 pages long! That is 25,761 words of deep legalese! No one can reasonably be expected to accept and agree to such a document without a legal team and a week or so to understand and evaluate it. I, of course, will not blindly agree to these terms. 

2. Their Privacy Policy is only 8 pages long, but it includes many details that I find quite unacceptable.

Recent legislation requires credit reporting companies to provide free credit freezes on request.

By requiring me to open an account and agree to such preposterous terms Experian is blatantly trying to avoid their legal responsibility, as well as showing utter contempt for my privacy.

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 2023-08-26 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal credit union has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. Navy federal reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX  AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my consumer report and discovered these inquiries that wasnt made by me. Called and requested to have them removed and was given some push back to get them deleted. I made a police report that I will upload.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-26 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: LEXISNEXIS
State: GA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX keeps stating there is a balance they updated the balance 5 times saying they are reporting correctly yet after the 5th complaint the State government told them they are reporting incorrect now they say they made a mistake and reported the balance by mistake 6 times now its time yo delete

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 2023-08-26 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: NY

Complaint narrative:
XXXX keeps stating there is a balance they updated the balance 5 times saying they are reporting correctly yet after the 5th complaint the State government told them they are reporting incorrect now they say they made a mistake and reported the balance by mistake 6 times now its time yo delete

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 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank keeps denying me without allowing me to know why. They can not deny me as an consumer who knows my rights but they wont reply to mail and emails and customer service. I am expanding my social security number to them to recieve an checking and savings account but they are illigally not able to deny any person due to anything because i am an consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was reporting inaccurately on Equifax. The balance was reflecting an incorrect amount and instead of removing the account as requested per FCRA law, they updated the balance to {$0.00}. This account has been removed off of XXXX and XXXX and should have been removed off of Equifax as well. I have requested MULTIPLE times for debt validation and Equifax had not provided me with legal proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: NV

Complaint narrative:
Transunion emotional stress me out and for storing, sharing a furnishing Collection account they deleted and put back on with out following the law It is my understanding that under the FCRA, you should have notified me about this first in writing in 5 business days.. Transunion willfully and intentionally continue to share, furnish inaccurate information an never showed me proof that. This cause me to lose employment opportunities. Transunion neglected to do their graves responsibilities and a reporting agency making sure consent was given witch is an invasion of my privacy.

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 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged excessive overdraft fees from Wells Fargo from XXXX and would like to be part of the Wells Fargo class action. At one point I was charged 10 overdraft fees in one day. This is a predatory practice and I was negatively affected.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Experian also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was overseas and my card was fraudulently charged for {$400.00} and {$89.00}. Once I saw the charges, I tried to file a dispute, but CapitalOne does not allow online disputes and wanted me to call their XXXX customer service number. As I was overseas, I couldn't call the customer service number. I promptly called the number and filed the dispute. CapitalOne removed the charged and put it back in the on the same day. I then called them and was told since the card was tapped to pay, the wouldnt investigate it any further. The customer service agent XXXX with employee number XXXX whom I a spoke with on XX/XX/2023 XXXX XXXX  XXXX refused to help me or to transfer me to a XXXX. I have never been to the restaurant that is showing up on the transaction. I tried everything with CapitalOne. The only way they will help me is if I provide evidence, which I am not sure how to prove a negative. I asked them what evidence would I have to gather to prove and they wont give me a hint as to what they need. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I spoke with XXXX XXXX in XX/XX/XXXX regarding why I received a late payment on my account after speaking with several others who were uncertain to how I received the late payment. I received credit for 3 months payments towards my principal account as well as removal of interest to satisfy a previous complaint with this company. After reaching this agreement a late payment appears before my actual due date in XXXX of XXXX from XXXX of XXXX?. I received the notification from the bureaus. After reaching out to the company per the previous complaint I was directed to XXXX XXXX who states that the late payment was from XX/XX/XXXX. I let XXXX XXXX know that it is illegal to report a late payment from several months after it supposedly occurred and violates my FCRA rights as a consumer. I explained that during my email communications and calls to the company no one ever stated any such thing. She states that they were not able to tell me because of my cease and desist in place from the previous complaint. I advised her that Ive had several communications and not one person saw nor mentioned this late payment. This company continues to disappoint its consumers, in turn in why they no longer do these types of loans. My bureau reported at the time all on time payments from XX/XX/XXXX until XX/XX/XXXX. This appears after the agreement was reached from the prior complaint and the proof of that was provided from XX/XX/XXXX from a screenshot of my online bureau report. The correction of payments would have satisfied any payments and or any interest if I was truly delinquent. The dates reporting are all different for the same bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Telephone calls with varying stories of what may have happened and several times they have hung up. E-mails and certified letter to XXXX. and various customer service XXXX XXXX XXXX ( the latest was XX/XX/XXXX ) - no response. Trying to resolve for the past 8 months. Ten months of copies of cancelled checks e-mailed to customer service ( XX/XX/XXXX ). No response. XXXX has sent late payment notification and penalties, and XXXX has also notified credit bureaus of late payment. 
These people have extremely poor customer service and accounting. Are rude and abusive. Sometimes they refuse to give a customer service identification for my file.

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