vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Sent 2 rounds of my FTC report and the accounts still there and have not been fully validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Sent 2 rounds of my FTC report and the accounts still there and have not been fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XX/XX/2023 Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Re : Validation of Debt To Whom It May Concern : I am formally requesting that you validate all notation you have submitted to the three major credit reporting agencies by Southwest Credit Systems. 

I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, nor do I recognize the late payments associated with the account. Everything reporting here does not meet the FCRA.

1. Copy of the original contract with signature 2. A copy of the payment history 3. The name and address of the original creditor 4. Proof of collection authorization You have 30 days from the date you receive this letter to provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX, & XXXX or all that apply ) and update accounts to the positive. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
An account was opened with my information through Navy Federal Credit Union on XX/XX/XXXX ( over 7 years ago ) and the account was closed on XX/XX/XXXX. I have received a phone call regarding this account. 

I have verified through my states Attorney General that the Statute of Limitations of 4 years for enforcing open-ended loans ( including credit card accounts ) through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. 

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/, I noticed an unauthorized charge on my credit card for {$120.00}. I immediately notified my company Ollo. They cancelled the card and advised they would send a new one. On XX/XX/XXXX they reversed the unauthorized charge, but I did not receive my new card for approximately 2 months. During that waiting period they continued billing me for late charges as well as interest charges. I strongly believe it was unethical to continue charging these fees for a card I did not have access to. Nor did I appreciate the excessive phone calls, which were sometimes three calls a day. This is harassment. As of this date, the harassing calls and fees continue to mount. I would like an apology as well as a refund for all fees that are still occurring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent in two rounds of my FTC report and have accounts still remain and have not been fully validated. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent in two rounds of my FTC report and have accounts still remain and have not been fully validated. 
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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ROCKY MOUNTAIN MORTGAGE COMPANY
State: TX

Complaint narrative:
I have contacted Rocky Mountain Mortgage, I have never denied paying the alleged debt owned. I have told the numerous times that my wife would be the best to contact. I also have asked her to email them about the payment, her response was that if the full amount was not given by XX/XX/XXXX after telling and explaining my situation. 

I had no options, I am aware of the rights I have and however it is has been a hassle. I received a call XX/XX/XXXX at XXXX demanding full payment and attorney fees if I wish to keep the home.

I am asking through this method that you please provide me with a full forensic audit.

The first time we requested assistance because of covid we were denied for any grants. They granted a special forbiddance, but no covid grant. I am now going to exercise my rights and get everyone involved.
I will also put the sec.gov in notice and few more agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My IRS direct deposit was send to the wrong account in error ; Chase IL routing number and a non-recognized checking account number on XX/XX/23. Despite Chase 's policy of returning funds within 2 days, they have kept the funds to present date ( XX/XX/23 ). On Friday ( XX/XX/23 ) I was advised that the funds were being held to a Credit Card account and that they were unable ( DEP and CC ) to return my funds so alternatively they would transfer the funds if I opened a checking account. I did so while on the phone and afterwards was advised that they could not transfer the funds to me. Despite these deceptive banking practices, they maintained my funds and routed me to their XXXX XXXX Department on the Deposits side. That representative notes he's unable to locate or return the funds and that I should instead call the Credit area. I have collectively spend XXXX hours on the phone with Chase trying to get resolution for why they have XXXX ) held my IRS XXXX deposit funds and XXXX ) their deceptive banking practices to have me open a checking account that they did not transfer my deposits into. 

This has been constant aggravation and gross negligence of Chase. I need my funds to be returned to me right away before they cause further financial hardship on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was offered a 0 % intro on balance transfers and purchases for 15 months By Capital One XXXX XXXX Credit Card. Because of this offer, I was inclined to apply and seconds later I received an email informing me that I was approved. I waited to get my card in the mail. I activated my new card. I set up my online account. I attempted to make my first balance transfer and was not able to successfully complete. I called customer service and the first person informed me that if I was given an offer then it must be given to me. The representative could not help me but transferred me to a representative that could. I was transferred to a female that with the name of XXXX XXXX id # # XXXX. XXXX informed me that the terms were changed, I was given an alternate product and I was given the option to accept, and I accepted. However, I never was given the option of alternative terms and I was never notified in writing or email of said alternate terms. The terms in the documents that were sent to me via email never mentioned that I was not approved for my initial offer. It only spelled out the transfer fee of 3 %. Nowhere in the documents was it written that I could not make balance transfers and that I was not approved for that benefit of this card. XXXX XXXX informed me that if I didn't like it then I can close the account and that I could not escalate the matter or dispute the matter any further than her. She told me she has a supervisor but does not get involved in customer matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to inform you that I, XXXX XXXX XXXX XXXX only use this name and no other name. I want to clarify that I am not the owner of any debts associated with other names. 

As per 15 U.S. Code 1679c - Disclosures, I am entitled to know the information contained in my credit report. I request that you verify that my credit report only reflects the debts and accounts associated with my legal name, XXXX XXXX XXXX, and that no other names are included. 

I appreciate your assistance in ensuring the accuracy of my credit report. If you have any questions or require further information, please do not hesitate to contact me. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX, Transunion and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter out on XX/XX/2023 to XXXX, XXXX and Equifax. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- XXXX in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been making payments to Navient through the XXXX XXXX XXXX in the monthly amount of {$67.00}. Every year I do apply for the renewal which includes the current income at the time of the application. In my application dated XX/XX/XXXX, my pay stubs showed an increase of my salary from {$38000.00} to {$43000.00}. This is an increment of {$5000.00} which represents 13.1745 % increase from the previous salary. I have explained to Navient this simple math by applying 13.1745 % of {$67.00} which will result on an increment of {$8.00}, therefore my new IDR payment should be {$76.00} and not the amount being asked by Navient of {$110.00} per month which represents an increase of 63.8683 %. My increase of salary is 13.1745 % not 63.8683 %. I have made contact several times with Navient customer service since XX/XX/XXXX with no resolution by them. Also, I have written 2 letters, being the last one on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with Bridgecrest and it shows a balance of {$2200.00}. XXXX claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Sent 2 rounds of my FTC report and the accounts still there and have not been fully validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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: NM

Complaint narrative:
An account was opened with my information through XXXX XXXX XXXX XXXX on XX/XX/XXXX ( over 7 years ago ) and the account was closed on XX/XX/XXXX. I have received a phone call regarding this account. 

I have verified through my states Attorney General that the Statute of Limitations of 4 years for enforcing open-ended loans ( including credit card accounts ) through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. 

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction - According to 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 has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone got credit cards in my name since 2013

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