vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: EdFinancial Services
State: MD

Complaint narrative:
I received a message in XX/XX/XXXX from my loan servicer ( XXXX ) stating that a request had been submitted to US Department of Education for a refund on my payments made in XX/XX/XXXX. I have yet to receive my refund check. I am not able to get any information on when this will come. The payment has already been revered on my account but I have no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
This Loan account has been paid and closed please remove from credit report. 

CAPITAL ONE AUTO FINANCE POTENTIALLY NEGATIVE Account Info Account Name CAPITAL ONE AUTO FINANCE Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$17000.00} Highest Balance-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is the Federal Trade Commissions opinion regarding this type of account Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I submitted a dispute directly to XXXX regarding my account with Nordstrom/TD Bank XXXX This account has been paid in full as agreed w/ creditor in full and yet is STILL showing a balance. 

This is XXXX 's response " The dispute for the account with NORDSTROM/TD BANK USA that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. '' In this case both XXXX & Nordstrom bank are in violation of FCRA as XXXX. XXXX did not follow reasonable procedures to assure maximum possible accuracy and XXXX. Nordstrom is reporting inaccurate and incomplete information. 

Reasons : XXXX. XXXX was informed by me that this account was paid in full/ settled in full and is inaccurately reporting a balance. This should be very simple to verify and had they followed " reasonable procedures to assure maximum possible accuracy of the information '' this balance, erroneous payment history and erroneous account status would not still be showing there. 
XXXX. Nordstrom reported a settlement payment as a regular payment ( while still leaving all derogatory statuses and late payment ) and a statement balance after receiving a settlement payment bringing the account to a current and final status where there is no remaining collectable debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
This company keeps calling and calling and calling and now they are calling my employer harassing me I shouldnt have to get harassed at my employer that Im working would like for them to get sued or anything because this is harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX identified by the Account Number : 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX XXXX the amount of {$170.00} to create a remaining balancing of {$0.00}. XXXX XXXX XXXX sent my account to collections on XX/XX/XXXX to the collector transworld systems inc. I contacted transworld inc on XX/XX/XXXX to notify they can no long be on my credit report because I already paid the original creditor XXXX XXXX XXXX and there is no debt to be collected anymore. Transworld inc has refused to remove themselves from my credit report and stated that they will list my account balance as XXXX. XXXX XXXX XXXX has already informed transworld the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-04-19 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: TX

Complaint narrative:
You are reporting an account that isn't mine on my credit report. I received correspondence from XXXX naming another individual as the primary owner of the account XXXX ( see attached document ). Furthermore, I have no recollection of having a business relationship with XXXX. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. My name is XXXX XXXX and the letter is addressed to a person named XXXX XXXX. This is negligence on the credit bureau 's behalf. I have tried to get this remedied for some time now. I have proof of all correspondence and if this is not removed from my credit report within 7 days I will move forward with legal action. Please see the attached affidavit and correspondence naming someone else as the primary owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing a formal complaint regarding the egregious failure of multiple creditors to validate a disputed debt of {$2200.00}, in blatant violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I meticulously followed FCRA procedures by directly disputing this account on my credit report with the creditor ( s ). Each dispute included a detailed request for verification, demanding proof of the debt 's legal origin, confirmation it wasn't disputed due to faulty products, and documentation that it wasn't claimed as a tax deduction or insurance loss. Despite these repeated and well-founded attempts, the creditor ( s ) have exhibited a complete disregard for their legal obligations, failing to provide any response or communication regarding validation.

This utter lack of response from the creditor ( s ) constitutes a serious breach of my rights under the FCRA and raises significant concerns about the accuracy of the reported information. The presence of an unverified {$2200.00} debt on my credit report can inflict substantial harm, negatively impacting my ability to secure loans, housing, and other essential financial services. 

I demand that the CFPB conduct a swift and thorough investigation into this matter. It is imperative to ensure the creditor ( XXXX ) comply with FCRA regulations regarding debt validation. Furthermore, I request the immediate removal of this potentially inaccurate information from my credit reports. If the creditor ( s ) continue their blatant disregard for the law and fail to provide proper validation after this complaint, I will be forced to explore all available legal options to ensure my rights are protected and to hold them accountable for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MD

Complaint narrative:
After reviewing my TransUnion, XXXX and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After reviewing my XXXX, Experian and XXXX credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments 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 non-monetary relief
Consumer complaint received 2024-04-19 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:
XXXX, EQUIFAX, AND XXXX ARE REPORTING INACCURATE INFORMATION ON MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NC

Complaint narrative:
XXXX, XXXX, AND EXPERIAN ARE REPORTING INACCURATE INFORMATION ON MY 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This Loan account has been paid and closed please remove from credit report. 

XXXX XXXX XXXX  XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$17000.00} Highest 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 explanation
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Regarding Chase Bank to CFPB Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding an issue with a refund from a merchant. In XXXX, I received a refund of {$680.00} fromXXXX However, Chase Bank erroneously charged me for this amount, insisting that it was a debt that needed to be repaid. Furthermore, they added an additional {$13.00} as interest on this supposed debt. 

I want to emphasize that this refund was rightfully mine and not a debt owed to Chase Bank. It is unacceptable that they are attempting to coerce repayment, especially with added interest, for funds that are rightfully mine. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that Chase Bank rectifies this situation promptly by rescinding the erroneous charges and reimbursing any associated fees or charges incurred. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-19 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: FL

Complaint narrative:
This has been going on for years now and the bank tells me they dont see any bank errors in their process and are not refunding any fees. 

The bank is charging me overdraft fees for XXXX XXXX payments that was supposed to post or show on my account on XX/XX/2024, but are not being processed and posted until XX/XX/2024 and hitting me with fees even after I have transferred the amount from another bank account to cover the overdraft amount. 

But the bank is still charging me overdraft fees because the date shows it was posted on the XXXX of XXXX which it wasnt. 

They didnt give me any time to cover the fee on the date they claim it was posted. 

I would like them to be investigated for this violation of my 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 explanation
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Request to Opt-Out of Information Sharing and Privacy Rights Dear Sir/Madam, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically the opt-out provision outlined in 15 USC 6801, and the Privacy Act of 1974. 

Per the FCRA as a FEDERAL PROTECTED CONSUMER, Im now OPTING OUT OF ANY AND ALL AUTHORIZATION, I The CONSUMER may have given you written, unwritten verbal and nonverbal. Per 15 USC 6802. 

Account Name : Capital One Account Number : ( XXXX ) I request that you do not share my personal financial information with non-affiliated third parties, as allowed under the GLBA. Please process my request to opt-out of information sharing for marketing purposes immediately. I understand that this request is permanent unless I choose to revoke it in writing. 

Additionally, I request that you provide me with a copy of your privacy policy as required under the GLBA and the Privacy Act of 1974. Please also provide me with information on how to exercise my rights under these laws. 

Please acknowledge receipt of this letter and confirm that my request to opt-out of information sharing has been processed. I also request that you update my account to reflect this preference. I also would like a copy of the original contract with my signature. 

Thank you for your prompt attention to this matter. I appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.

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