vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: PA

Complaint narrative:
The credit bureaus are reporting an incorrect auto loan charge-off from XXXX XXXX. My co signer owns my vehicle free and clear, and I have the title to prove it. I request that the credit bureaus review the title documentation and promptly delete this inaccurate account from my credit reports.

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC
State: PA

Complaint narrative:
Hello, I received a call yesterday from " GP Services '', saying they were retained by XXXX XXXX XXXX XXXX XXXX to collect {$1200.00} on a loan that was not paid. They would reduce the total amount owed to {$380.00} if I agreed to pay otherwise, they would close this out and turn it back over to XXXX XXXX and they would begin legal proceedings and at that point, it would be too late to take advantage of the reduced amount and I would not only be responsible for the full {$1200.00} but my XXXX XXXX would take a big hit. 

I explained that I've never done business with XXXX XXXX and this was not my loan. She said that the loan is attached to my Social Security number therefore that makes me responsible. I asked for proof of me taking out the loan and she avoided providing the proof. I asked for her to verify my address, which she had correct and she had the last XXXX digits of my Social Security number correct. 

I called the number back to see if a real person would answer and the same person who called me did. The number she called me from was XXXX. She provided more details regarding the " loan ''. She said the original loan was for {$500.00} from XXXX. She did not get more specific than this. 

I told her I would not pay and that XXXX XXXX would need to take me to court and try and prove the loan was mine. 

I only received a call and nothing in writing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this inquiry from 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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reviewed my recent credit report and noticed some accounts that appear to be inaccurate and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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 had a federal student loan with Navient. Due to the settlement I believe I am eligible for compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
Certified dispute letters were mailed on XX/XX/year> and received by Transunion on XX/XX/year> Transunion claims the documents were not sent by me even though I provided proof of identity. They are purposely stalling my dispute investigation requests. I requested a verification of debt, Transunion did not provide this information. 
I am requesting what their method of verification used was and to provide all of my written requests as required by FCRA laws. See dispute letter attached.

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 2024-09-20 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: TX

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-20 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: IL

Complaint narrative:
I was gifted a {$100.00} American Express prepaid gift card a few years ago, but it was temporarily misplaced. When I found it and tried to use it, it would not work. I contacted American Express and they said it was sent in as unclaimed property and I would have to submit an escheatment claim. The date printed on the card indicated funds are good through XXXXXXXX XXXX XXXX so I do not understand. They further said that I needed to send in a copy of my drivers license to an email address. I explained that I am not comfortable with that lack of security and just want the funds unlocked. They just keep repeating that I need to send personal information in via an email address. 

I can not find anything on American Express 's website or any FAQ page stating that this happens so I don't even trust that it is a legit person replying to my issue there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: Marlette Funding, LLC
State: MO

Complaint narrative:
I was charged {$850.00} for a car rental. The agreed upon amount was {$570.00}. I received no information from XXXXXXXX XXXX XXXX as to why they had charged me almost {$300.00} more. I filled up the gas and returned the car appropriately. Thankfully I could go to my credit card company and dispute the charge! OH -wait - I used my Best Egg card. 

I have filed a dispute 2 times. XX/XX/XXXX was the second time. In a letter they claim to have reached out to me on multiple occasions afterwards requesting more information. There were no calls or voicemails and no letters or emails sent. The one letter I did receive stated that the case had been closed because I did not respond. I called again and had the case reopened. I did receive a phone call on another case and also a letter. I faxed over the requested documentation for both cases on XXXX XXXX I received a letter from Best Egg stating that my case has been closed again. I do not know what to do about this company ignoring my repeated requests. I sent an email requesting to speak with a manager and that has been equally ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
I looked on my credit report and I seen account by a place called XXXX XXXX for a vehicle they say I owe {$7300.00} I do not know anything about that never had a vehicle from them before also have so many increase on there that are not mine none of them I don't know who did this but it don't belong to me

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 2024-09-20 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:
I looked on my credit report and I seen account by a place called XXXX XXXX for a vehicle they say I owe {$7300.00} I do not know anything about that never had a vehicle from them before also have so many increase on there that are not mine none of them I don't know who did this but it don't belong to me

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to promptly deliver physical documentation and an updated credit report. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Incorrect Name : - XXXX 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 2024-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account has been frozen for over a week now I contacted you guys and they unfroze my account last night I tried to transfer my funds to a safe secure account of mines because I dont need any dealings with them anymore and when I clicked transfer they FROZE me account AGAIN for absolutely NO REASON they are holding my funds HOSTAGE and I NEED ACCESS TO THESE FUNDS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a XXXX XXXX credit card holder. XXXX XXXX ran a credit card promotional offer where you could select a spend and receive a certain amount of bonus miles based on that spend. I selected to spend {$20000.00} from XX/XX/XXXX to XX/XX/XXXX in order to receive XXXX bonus miles. The terms and conditions state that I will receive my bonus miles XXXX weeks after the promotion closes. XXXX weeks after the promotion closed was the last week of XXXX. 

I have reached out to XXXX, who told me I had to contact Chase. I contacted Chase, who told me I had to contact XXXX. I have reached out to XXXX via email, chat, and telephone. XXXX has verified I signed up for the promotion. Chase has verified I met the requisite spend. Chase is telling me that because XXXX ran the promotion, that they are responsible for providing the miles. XXXX is telling me that this is a known issue, that they hate these types of promotions because they never work as intended, and that they need Chase to verify the card spend ( which they have ). Now they are telling me they are escalating it and that it can take XXXX additional weeks to resolve. 

I would like the XXXX bonus miles that I have earned through registering for this promotion and for completing the requisite spend amount. 

I have attached the email confirmation from signing up as well as all of my written communication with XXXX. I have not had much luck escalating via chat ; the chat ends before they can connect me with a supervisor. I have had the same experience over the phone. I did not attach my credit card statements from the time period because they contain personal information, but I am happy to provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-09-20 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-09-20 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: IL

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on 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 non-monetary relief
Consumer complaint received 2024-09-20 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: IL

Complaint narrative:
Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on 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