vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my concern regarding an unresolved issue with my credit report. 

Previously, I had filed a complaint about an unexpected and unjustified drop of XXXX XXXX  in my credit score. Despite my efforts to rectify this situation and the assurance from the concerned company that they were addressing the issue, the problem remains unresolved. 

The company 's response was to send me a copy of my XXXX credit report to my current address. However, this action does not address the core issue at hand, which is the unexplained and significant drop in my credit score. I believe there must be an error or misunderstanding that has led to this situation. 

I am deeply concerned about the potential impact this could have on my future financial endeavors. I am confident and determined to rectify this situation, as I believe in the importance of maintaining a healthy and accurate credit report. 

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, the concerned company will take the necessary steps to ensure the accuracy and integrity of my credit report. 

Thank you for your attention to this matter. I understand that the process of resolving such issues can be complex and time-consuming, but I am committed to seeing it through to ensure that my credit history accurately reflects my financial behavior. 

I am hopeful that your intervention will prompt a thorough investigation into the cause of this sudden drop in my credit score. I believe that everyone deserves a fair and accurate representation of their credit history, and I trust that the CFPB shares this belief. 

I look forward to your prompt response and assistance in this matter. I am confident that with your help, we can rectify this situation and restore the accuracy of my credit report. 

Thank you once again for your time and consideration. I appreciate your dedication to protecting consumers ' rights and ensuring the integrity of our financial system. 

Best Regards

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 2024-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my concern regarding an unresolved issue with my credit report. 

Previously, I had filed a complaint about an unexpected and unjustified drop of XXXX XXXX  in my credit score. Despite my efforts to rectify this situation and the assurance from the concerned company that they were addressing the issue, the problem remains unresolved. 

The company 's response was to send me a copy of my XXXX credit report to my current address. However, this action does not address the core issue at hand, which is the unexplained and significant drop in my credit score. I believe there must be an error or misunderstanding that has led to this situation. 

I am deeply concerned about the potential impact this could have on my future financial endeavors. I am confident and determined to rectify this situation, as I believe in the importance of maintaining a healthy and accurate credit report. 

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, the concerned company will take the necessary steps to ensure the accuracy and integrity of my credit report. 

Thank you for your attention to this matter. I understand that the process of resolving such issues can be complex and time-consuming, but I am committed to seeing it through to ensure that my credit history accurately reflects my financial behavior. 

I am hopeful that your intervention will prompt a thorough investigation into the cause of this sudden drop in my credit score. I believe that everyone deserves a fair and accurate representation of their credit history, and I trust that the CFPB shares this belief. 

I look forward to your prompt response and assistance in this matter. I am confident that with your help, we can rectify this situation and restore the accuracy of my credit report. 

Thank you once again for your time and consideration. I appreciate your dedication to protecting consumers ' rights and ensuring the integrity of our financial system. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I contacted the number on the back of my American Express Corporate gift card and they advised me that it is not their issue. They say you can use the card where ever the card is accepted however I am unable to use it since last year. I have been trying to use the card at XXXX which accepts the card however American Express keeps declining the card. I spoke to their customer service on XXXX XXXX XXXX and they will not help. They keep saying that it is a security issue yet is can not use the card that I have used on XXXX previously. I have read online tat this is happening to a lot of people and American Express will do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: R.A.Rogers, Inc.
State: GA

Complaint narrative:
15 U.S. Code 1681c2 says A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt of the letter You are violation of the law because Im a victim of identity theft, delete the item below immediately Account : RA ROGERS INC collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/2023 balance reported : {$8900.00} the account should not be furnished on my consumer report as they are in violation of 15 U.S. Code 1681b permissible purposes of consumer reports, which says in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : in accordance with written instructions of the consumer, to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer no consent is identity theft as a consumer. I am demanding the deletion of the account below immediately. 

Account : RA ROGERS INC collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/2023 balance reported : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Each of the accounts with account/tradelines XXXX XXXX XXXX XXXX XXXX report as a C/O with a " scheduled to report until date '' of XX/XX/XXXX as reported by TransUnion. The courts within my Federal Judicial District have published a case that demonstrates how C/O are established relative the Date of First Delinquency ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. The " Estimated month and year this item will be removed '' date for the accounts herein is XXXX XXXX XXXX XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting seven ( 7 ) years, yields a Date of First Delinquency of XXXX XXXX XXXX XXXX XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month and were in a forbearance. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the charge-off is false or inaccurate for these accounts and needs to be 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 2024-01-25 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: NY

Complaint narrative:
Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Early Warning Services, LLC
State: TN

Complaint narrative:
They Violated The Educational and Privacy Act of 1974.Also the Privacy a Act of 1974 The Account is coll/charge off, which is considered a Certificate of Indebtness, which means it's income and has to be Removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TN

Complaint narrative:
They Violated The Educational and Privacy Act of 1974.Also the Privacy a Act of 1974 The Account is coll/charge off, which is considered a Certificate of Indebtness, which means it's income and has to be Removed ASAP

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 2024-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M1 Holdings Inc.
State: CO

Complaint narrative:
Shortly after opening my account at M1 Finance my rate of return was reporting incorrectly. It has been escalated dozens of time with no fix. When I attempted to call in after almost 2 years I get routed to offshore agents who refuse to transfer me to management regarding my ongoing issue and just hang up without transferring thus refusing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2024-01-25 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Previously I transferred about XXXX USD from my checking account to my credit card by mistake. XX/XX/XXXX, I called Bank of America ( XXXX ) to request a refund of this overpayment. The telephone agent helped me initiate an online refund to my checking account. And she told me that it will take XXXX business days. Then I wait. Today ( XX/XX/XXXX ), I still haven't received the refund and the money still stays on my credit card balance, which is against the law : the creditor shall refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ).

I attached the recording that I contacted the bank. They confirmed they don't refund the money within XXXX business days. The conversation starts from 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 2024-01-25 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
To whom is May concern. 

We applied for military SCRA benefits through American Express secure messaging on XX/XX/XXXX. We have filled out the proper documents they need to prove we qualify. our home record is a KP state Ohio. We were told it would be 7 to 10 days that we would hear back. On the 10tXXXX day, they sent us a letter requesting more information which is not legally necessary. Our HOR legally allows us to have scra benefits applied to all accounts according to the law laid out Ohio XXXX. XXXX XXXX. XXXX ( D ) ( XXXX XXXX ). 
We also find that they are discriminating certain members over others. We personally know multiple service members who have applied and have gotten approved without sending in any information. We also know members who have been approved without being from a KP state. We legally are from OHIO and we have proof that we already sent in. We also pay Ohio taxes. We shouldnt have to spend more time waiting for this approval and trying to prove our service to this great nation. If this is not approved in a timely manner we will continue to file complaints and seek more action. This is causing distress to our financial situation and as a member serving the United States airforce I would hope businesses would do better for military members. Approving SCRA isnt optional for credit card companies its required by law if the service member is eligible and we are eligible. We have been approved by 8 other Credit card companies very easily it would look very bad on American Express if they were the only ones who didnt approve us. I would also like to add their department to call and get help for their SCRA benefits is HORRIBLE! Most reps dont speak english and no one knows anything about scra! Everytime I have called its over an hour explaining things and then not resolving anything. Every other Credit card company I have delt with has amazing costumer service for the service members requesting scra benefits and the process is so easy and they know what they are talking about. Some companies have approved and adjusted interest all in the same day!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: DE

Complaint narrative:
back in XX/XX/ I notice that there was charge for XXXX XXXX  coming out of my account that I didn't authorized. when I first noticed this was XXXX XXXX. I contacted PNC BANK and told them I didn't authorized this. Pnc Bank did there investigation and came back that it was not a real company and credited my account for {$19.00}. When I contact PNC bank at that time they notice that these charge has been coming out of my count for a year. they advised me to print out all my bank statements for a year and take it to the local branch. I did that. then pnc bank told me that they will not refund my money back that I have to contact the vendor. my thing is pnc don't want to credit my account for the {$2900.00}. over the year I had several new debit cards from pnc for fraudulent activity. but each time pnc was connecting the new card to the old card so whoever was making these charges was still able to do so. I just want PNC BANK to refund my {$2900.00} back in my account. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair Credit reporting act. The account list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX and XXXX to reinvestigate these accounts Capital one account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the when if the open date, date of last activity and mucg more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report 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 2024-01-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
I contacted relia card over and over and over again about my dissatisfaction with the internal policies Making a mandate of Congress ineffective with their internal policies and spending limits I warned them that this is a bad idea because nothing could stop a mandate of Congress once it's voted in especially a third party agency I contacted US bank they said they don't have anything to do with relia card even though the debit card was given to us has USYes Bank on it I told them about my confusion they said there's nothing they can do.

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 2024-01-25 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: EdFinancial Services
State: TX

Complaint narrative:
My Student Loan is now paid off as of XX/XX/year>. However, Ed Financial has now REMOVED the paid tradeline off of my credit report which also DELETES over XXXX  years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for XXXX  years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next XXXX  years after it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
This is Navient, and considering that they have one of the worst scores as a student loan company, it's not surprising. I am enrolled more than half time in school. They argued with me that I wasn't until I guess they were pushed into the wall. They have used my voluntary forbearance and deferment before while I was in school ( for months and months before ), even though I was clearly on the clearinghouse ( I checked ). They are now refusing to clear a late payment even though it was their issue to try to intentionally default the loan. I believe they need to be audited in how they are handling forbearance and deferment. I think they are cheating students out of theirs.

Company response to consumer: Closed with explanation