vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: MI

Complaint narrative:
Hello CFPB, I would like to file a formal compliant. This company has not sent me a bill to my address or email. Nor called me to tell me the bill was late. I do auto pay with this company and was never notified that any payments were not made. This company reported the bill as late and the bill was paid out of my checking account and later reversed due to a return check. This company never made me aware of this billing issue because they have all my information wrong. Wrong billing address wrong email and contact time. It was not until I got ready to purchase a car my credit dropped that I noticed the payment was not taken for the month of XXXX. I called this company and spoke to the servicing department and they agreed that it was a billing error and they will update it with the credit reporting agencies after I file a dispute. 

However to my surprise they updated and verified that the account was past due. per section 1026.10 Payments. 

" ( 1 ) General rule. A creditor may specify reasonable requirements for payments that enable most consumers to make conforming payments. '' I feel like I was not reasonable notified of any payment errors. I would like them to 1. update all my information correctly and remove the past due status on my report because they are in volition of section 1026.10 of the regulation.

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 2023-10-25 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: CT

Complaint narrative:
Profile wasnt locked when it should have been.

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 2023-10-25 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear XXXX, I am writing to file a complaint regarding Chase Bank 's deliberate inaction and the prolonged XXXX phone application process to address a dispute. 

Today, I contacted Chase Bank by phone to initiate a dispute. This dispute arose because, after receiving an item, I found that it did not justify its price. Consequently, I requested the seller to provide a free return label for a refund, as per their " Free Return '' policy for after-sales service. However, the seller and XXXX failed to honor this policy and only provided an address, requiring me to cover the return shipping costs. As a result, I sought my bank 's assistance to take action against this dishonest seller and XXXX. 

Reference Number : XXXX ( optional ) : XXXX I spent over XXXX minutes on the phone, and the application process was not completed. It appeared that the bank intentionally prolonged the process, and in the end, they even pretended to disconnect the call without offering a callback. 

I find this unprofessional behavior on the part of Chase Bank to be a dereliction of duty. 

I sincerely hope that this matter will be taken seriously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lenders lobel financial services did not mailed legal Repossessed letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo knew full well from their internal data that they were going to reject my application for a credit card that they advertised to me online. The listed their reason as accounts with Wells Fargo were not paid as agreed. This is from several years ago a XXXX XXXX XXXX 

Instead of just denying my application which they knew they would do they had me unfreeze my credit report and then they did a hard pull on my credit which showed that I now have excellent credit. 

Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary. 

There was no need whatsoever for them to put me through unfreezing my credit and then enduring a hard pull on my credit report. 

Again I emphasize that Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary.

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 2023-10-25 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: WA

Complaint narrative:
I believe my information mightve been leaked. I believe that theres information on my current report that is not correct and I just want to throw investigation to make sure that everything is accurate and up-to-date. I dont believe it is I can be reached at XXXX if theres any other questions that I need to answer or you can reach me at XXXX XXXX all lowercase. And all one word thank you for your time.

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 2023-10-25 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: TN

Complaint narrative:
Re : Dispute of Late Payment on Credit Report - Reference : XXXX XXXX XXXX XXXX Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by Equifax, was allegedly associated with my account with Bank XXXX XXXX Mortgage, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to XXXX XXXX XXXX XXXX, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( USPS ). On XX/XX/2023, I proactively contacted XXXX XXXX XXXX XXXX  to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX  's payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached XXXX XXXX  XXXX XXXX  's mailbox no later than Saturday, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from XXXX XXXX XXXX XXXX regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/2023 I wrote DISCOVER CARD, about the account that is being reported as a charge-off. IRS state any debt over {$600.00} must file XXXX. The debt is filed as income on my tax 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: FL

Complaint narrative:
This complaint is in regards to a public record that i didnt give written consent to be provided on my consumer report. The public record i am referring to is a XXXX XXXX BANKRUPTCY which was dismissed. I am aware that this a form of identity theft and a violation of my consumer rights!

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 2023-10-25 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: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
I have sent XXXX a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to XXXX and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I have been with XXXX financial since XX/XX/2023. I use them to finance a new vehicle, and ever cents any time Ill do just about anything with the account whether its making a payment trying to deferred payment trying to get information they tack on ridiculous amounts of fees most recently I asked to defer my payment for XX/XX/2023 I have never missed a payment. In order for them to process the deferment request they demanded {$50.00} in fees and gave no explanation other than movement of the account as the reason for the fee. I have tried to refinance and have been unsuccessful and I am at my wits end dealing with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX charged me {$920.00} was to be shipped to get to me on Wednesday XX/XX/2023 but on Wednesday I called to tell them that it still aint shipped and if it isnt then cancel it they said yes they will. XX/XX/2023 at XXXX XXXX They just shipped it and it was delayed and not received so for a item then after not reviewing it with ontrac they couldnt find it and was lost so they said contact XXXX which I did multiple times to help the wont and told me to stop calling them even hang up on me. So I went to affirm to dispute it and they opened it I have so much proof from XXXX and XXXX but still giving issues with closing the loan even after the proof that didnt get it i also did a dispute with them for two months now and they wont help i gave all the info needed to fix the issue and proof of me not getting it yet thye choose to do ntn about it but waste time on the matter and say no i am to pay for a loan for a item that i dont have it is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: GA

Complaint narrative:
This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and XXXX and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.

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 2023-10-25 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:
This letter consummates my lawful and rightful consumer declaring of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately put together a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! I am writing you with this formal protest and a demand for adequate movement on your part. You are non-compliantly reporting improperly to the and XXXX and damaging my credit. You are surely with infringement of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last chance for rectifying of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to Delete now or update appropriately as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-related accounts-your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed notice was disappointingly neglected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 2023-10-25 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX inquired XX/XX/XXXX Capital One Auto Finance inquired XX/XX/XXXXXXXX XXXX  XXXX ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XX/XX/XXXX GM Financial ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX university never disbursed funds, I was told by the advisor at the time, that once disbursement was received, that I would receive a refund for the money borrowed from family and friends. I never received disbursements, and XXXX closed soon after. I just found out today XX/XX/23 while speaking with Nelnet that the loan was placed back onto my account under a different name, which is XXXX University, which I had no knowledge of. Recently gained knowledge of GreatLakes selling my account to Nelnet via my XXXX app.

Company response to consumer: Closed with explanation